The best way to get the cheapest rates on car insurance is to compare quotes before you buy. Policygenius makes it easy to see what you’ll pay with top companies, so you can choose the policy that’s best for you.
Cheapest car insurance companies in Indianapolis, IN
Insurance costs vary depending on your age, driving record, address, credit score and the kind of car you drive. But costs can also vary from one car insurance company to the next, which is why it’s so important to compare quotes before you buy a policy.
Cheapest car insurance rates by ZIP code in Indianapolis, IN
Insurance companies use ZIP codes to figure out the risks of owning a car where you live. Rates of car theft and vandalism in your neighborhood, as well as the number of accidents and traffic tickets issued nearby can affect what you pay for coverage.
Choosing the right car insurance company in Indianapolis, IN
There’s no one right car insurance company for every driver — the right company is the one that offers you the most coverage at the lowest rates. But the cheapest company for one driver may not be the cheapest company for you.
The best way to find the right policy for you is to shop around and compare quotes before you buy. Policygenius can help you compare options so you can feel confident you’re making the right choice.
Car insurance rates for drivers with driving violations in Indianapolis, IN
The more driving violations you have on your driving record, the more you will have to pay for car insurance. And more serious violations, like a DUI or an at-fault accident, will mean bigger rate increases.
Cheapest car insurance for drivers with bad credit in Indianapolis, IN
Insurance companies will also consider your credit score when you apply for car insurance, and a low credit score means you’ll pay more for coverage.
Buying car insurance in Indianapolis, IN
Indiana requires every driver to have at least a minimum amount of car insurance coverage. All Indiana drivers must have at least the following amounts:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Car insurance policies in Indiana must include uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident unless that coverage is expressly rejected in writing, however not having UM/UIM coverage could leave you on the hook for thousands of dollars if you’re hit by a driver without car insurance.
How to get cheap car insurance in Indianapolis, IN
Drive safely: Drive with care to avoid accidents and traffic violations.
Shop around: Check rates from several car insurance companies to find the best rate available.
Get discounts: Ask about discounts for low mileage drivers, safe drivers, good students, and for things like insuring multiple cars on the same policy
Bundle policies: Get your auto and home insurance from the same insurance company and save on both.
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.