The best car insurance in Indianapolis, IN

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The average annual cost of a full coverage car insurance policy in Indianapolis is $1,322 per year. That’s $103 more than the statewide average for Indiana, which is $1,219 per year.

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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.

Key Takeaways

  • USAA offers the lowest average rate for a full coverage car insurance policy in Indianapolis at $773 per year

  • GEICO is the cheapest car insurance company for Indianapolis drivers with bad credit

  • Indiana requires $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage

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.

Company

Average cost

JD Power Rating

USAA

$773

890

GEICO

$842

871

State Farm

$940

881

Auto-Owners Insurance

$1,053

890

Grange Insurance

$1,139

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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.

ZIP code

Average cost

46201

$1,411

46202

$1,362

46203

$1,358

46204

$1,367

46205

$1,419

46208

$1,428

46214

$1,311

46216

$1,289

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.

Violation

USAA

GEICO

State Farm

Auto-Owners Insurance

Grange Insurance

At-fault accident

$1,206

$1,825

$1,308

$1,695

$1,506

DUI

$1,299

$2,153

$1,199

$2,704

$2,066

Suspended license

$1,251

$2,593

$1,199

$2,704

$2,039

Open container

$1,143

$2,153

$1,036

$1,363

$2,066

Expired registration

$1,052

$1,360

$1,036

$1,060

$1,168

Driving without lights

$1,052

$1,360

$1,036

$1,060

$1,724

Not showing documents

$1,052

$1,360

$1,036

$1,060

$1,168

Running a red light

$1,052

$1,360

$1,036

$1,060

$1,724

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.

Company

Rates for drivers with bad credit

GEICO

$1,331

USAA

$1,530

Grange Insurance

$1,538

Nationwide

$1,950

Auto-Owners Insurance

$1,971

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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.

Frequently asked questions

Who has the cheapest car insurance rates in Indianapolis?

Our data shows that the two cheapest car insurance companies in the city of Indianapolis are USAA and GEICO.

Is Indiana a no-fault state?

No, Indiana is an at-fault state. The insurance of the driver who is at-fault for an accident will pay for the other party’s medical bills and repair costs, up the limits of the policy.

Does Indiana require car insurance?

Yes, Indiana requires a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage. Uninsured/underinsurance motorist coverage is also required, unless specifically rejected.

Methodology

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.