Best Cheap Auto Insurance in Indianapolis, IN (2022)
The average Indianapolis, IN auto insurance rates are $300 per month. The minimum auto insurance in Indianapolis is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in Indianapolis, Indiana, compare quotes from multiple companies.
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UPDATED: Jun 29, 2022
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Table of Contents
- The minimum auto insurance required in Indianapolis, Indiana is 25/50/25
- The average commute length in Indianapolis is 23.6 minutes
- The most expensive auto insurance company in Indianapolis for teen drivers is Progressive
Indianapolis, Indiana auto insurance requirements are 25/50/25 according to Indiana auto insurance laws. Finding cheap auto insurance in Indianapolis can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Indianapolis, Indiana, including driving record, credit, commute time, and more.
Compare auto insurance in Indianapolis to other Indiana cities, including Carmel auto insurance rates, Indianapolis auto insurance rates, and Bloomington auto insurance rates to see how Indianapolis, Indiana auto insurance rates stack up.
More: Best Cheap Auto Insurance in Jasper, IN (2022)
Before you buy Indianapolis, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Indianapolis, Indiana auto insurance quotes.
Table of Contents
Minimum Auto Insurance in Indianapolis, Indiana
Indianapolis, Indiana auto insurance laws require that you have at least the Indiana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Indianapolis, Indiana.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Indianapolis, Indiana Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Indianapolis, Indiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,605 | $2,662 | $2,295 | $2,509 | $8,199 | $10,355 | $2,627 | $2,859 |
| American Family | $2,527 | $2,527 | $2,280 | $2,280 | $7,073 | $10,191 | $2,527 | $3,092 |
| Farmers | $1,490 | $1,472 | $1,273 | $1,430 | $8,027 | $8,573 | $1,968 | $2,127 |
| GEICO | $1,760 | $1,756 | $1,655 | $1,720 | $5,269 | $4,888 | $2,021 | $1,771 |
| Liberty Mutual | $4,222 | $4,222 | $3,887 | $3,887 | $9,149 | $13,774 | $4,222 | $5,759 |
| Nationwide | $1,908 | $1,947 | $1,674 | $1,783 | $5,663 | $7,333 | $2,249 | $2,456 |
| Progressive | $1,817 | $1,715 | $1,648 | $1,658 | $10,867 | $12,215 | $2,285 | $2,328 |
| State Farm | $1,613 | $1,613 | $1,450 | $1,450 | $5,046 | $6,440 | $1,790 | $1,996 |
| Travelers | $1,320 | $1,342 | $1,244 | $1,241 | $8,396 | $13,267 | $1,403 | $1,611 |
| USAA | $1,162 | $1,141 | $1,087 | $1,088 | $3,307 | $3,680 | $1,568 | $1,669 |
Cheap Indianapolis, Indiana Auto Insurance for Teen Drivers
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Finding cheap teen auto insurance in Indianapolis, Indiana is a challenge. Take a look at the annual teen auto insurance rates in Indianapolis, Indiana.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,199 | $10,355 |
| American Family | $7,073 | $10,191 |
| Farmers | $8,027 | $8,573 |
| GEICO | $5,269 | $4,888 |
| Liberty Mutual | $9,149 | $13,774 |
| Nationwide | $5,663 | $7,333 |
| Progressive | $10,867 | $12,215 |
| State Farm | $5,046 | $6,440 |
| Travelers | $8,396 | $13,267 |
| USAA | $3,307 | $3,680 |
Cheap Indianapolis, Indiana Auto Insurance for Seniors
What are senior auto insurance rates in Indianapolis, Indiana? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,295 | $2,509 |
| American Family | $2,280 | $2,280 |
| Farmers | $1,273 | $1,430 |
| GEICO | $1,655 | $1,720 |
| Liberty Mutual | $3,887 | $3,887 |
| Nationwide | $1,674 | $1,783 |
| Progressive | $1,648 | $1,658 |
| State Farm | $1,450 | $1,450 |
| Travelers | $1,244 | $1,241 |
| USAA | $1,087 | $1,088 |
Cheap Indianapolis, Indiana Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Indianapolis, Indiana compared to the annual auto insurance rates with a clean record in Indianapolis, Indiana.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,389 | $5,003 | $4,618 | $4,045 |
| American Family | $2,807 | $4,450 | $5,650 | $3,342 |
| Farmers | $2,946 | $3,441 | $3,540 | $3,253 |
| GEICO | $1,695 | $2,691 | $3,678 | $2,356 |
| Liberty Mutual | $4,737 | $5,624 | $8,960 | $5,239 |
| Nationwide | $2,692 | $3,464 | $3,322 | $3,028 |
| Progressive | $3,226 | $5,691 | $3,855 | $4,494 |
| State Farm | $2,609 | $2,873 | $2,609 | $2,609 |
| Travelers | $3,166 | $3,914 | $4,435 | $3,396 |
| USAA | $1,384 | $1,978 | $2,273 | $1,717 |
Cheap Indianapolis, Indiana Auto Insurance Rates After a DUI
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Finding cheap auto insurance after a DUI in Indianapolis, Indiana is not easy. Compare the annual rates for DUI auto insurance in Indianapolis, Indiana to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,618 |
| American Family | $5,650 |
| Farmers | $3,540 |
| GEICO | $3,678 |
| Liberty Mutual | $8,960 |
| Nationwide | $3,322 |
| Progressive | $3,855 |
| State Farm | $2,609 |
| Travelers | $4,435 |
| USAA | $2,273 |
Cheap Indianapolis, Indiana Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Indianapolis, Indiana annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,282 | $3,936 | $3,574 |
| American Family | $5,561 | $3,606 | $3,020 |
| Farmers | $3,841 | $3,137 | $2,907 |
| GEICO | $3,137 | $2,605 | $2,073 |
| Liberty Mutual | $8,173 | $5,324 | $4,924 |
| Nationwide | $3,565 | $3,004 | $2,810 |
| Progressive | $4,751 | $4,218 | $3,981 |
| State Farm | $3,891 | $2,326 | $1,807 |
| Travelers | $4,148 | $3,518 | $3,517 |
| USAA | $2,471 | $1,638 | $1,405 |
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Cheap Indianapolis, Indiana Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Indianapolis, Indiana can vary. Compare the annual cost of auto insurance by ZIP code in Indianapolis, Indiana to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 46201 | $3,811 |
| 46202 | $3,746 |
| 46203 | $3,707 |
| 46204 | $3,698 |
| 46205 | $3,725 |
| 46208 | $3,717 |
| 46214 | $3,468 |
| 46216 | $3,522 |
| 46217 | $3,401 |
| 46218 | $3,815 |
| 46219 | $3,489 |
| 46220 | $3,435 |
| 46221 | $3,614 |
| 46222 | $3,664 |
| 46224 | $3,607 |
| 46225 | $3,818 |
| 46226 | $3,635 |
| 46227 | $3,549 |
| 46228 | $3,504 |
| 46229 | $3,472 |
| 46231 | $3,428 |
| 46234 | $3,395 |
| 46235 | $3,505 |
| 46236 | $3,432 |
| 46237 | $3,403 |
| 46239 | $3,510 |
| 46240 | $3,428 |
| 46241 | $3,459 |
| 46250 | $3,389 |
| 46254 | $3,479 |
| 46256 | $3,395 |
| 46259 | $3,327 |
| 46260 | $3,478 |
| 46268 | $3,371 |
| 46278 | $3,429 |
| 46280 | $3,099 |
| 46282 | $3,500 |
| 46290 | $3,061 |
Cheap Indianapolis, Indiana Auto Insurance Rates By Commute
More: Auto Insurance in Indianapolis (The Complete Guide)
Commute length and annual mileage affect Indianapolis, Indiana auto insurance. Find the cheapest annual Indianapolis, Indiana auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,264 | $4,264 |
| American Family | $4,013 | $4,111 |
| Farmers | $3,295 | $3,295 |
| GEICO | $2,561 | $2,649 |
| Liberty Mutual | $5,979 | $6,301 |
| Nationwide | $3,127 | $3,127 |
| Progressive | $4,317 | $4,317 |
| State Farm | $2,600 | $2,749 |
| Travelers | $3,728 | $3,728 |
| USAA | $1,814 | $1,862 |
Cheap Indianapolis, Indiana Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Indianapolis, Indiana? Check out the comparison of annual Indianapolis, Indiana auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,056 | $4,245 | $4,491 |
| American Family | $4,014 | $4,195 | $3,977 |
| Farmers | $3,186 | $3,290 | $3,409 |
| GEICO | $2,443 | $2,598 | $2,774 |
| Liberty Mutual | $5,926 | $6,122 | $6,373 |
| Nationwide | $3,162 | $3,102 | $3,115 |
| Progressive | $4,082 | $4,251 | $4,617 |
| State Farm | $2,541 | $2,674 | $2,809 |
| Travelers | $3,656 | $3,762 | $3,765 |
| USAA | $1,771 | $1,833 | $1,910 |
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Best By Category: Cheapest Auto Insurance in Indianapolis, Indiana
Compare the cheapest auto insurance companies in Indianapolis, Indiana in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Indianapolis, Indiana Auto Insurance Companies
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What auto insurance companies in Indianapolis, Indiana are the cheapest? Compare the top Indianapolis, Indiana auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,264 |
| American Family | $4,062 |
| Farmers | $3,295 |
| GEICO | $2,605 |
| Liberty Mutual | $6,140 |
| Nationwide | $3,127 |
| Progressive | $4,317 |
| State Farm | $2,675 |
| Travelers | $3,728 |
| USAA | $1,838 |
What affects auto insurance rates in Indianapolis, Indiana?
There are a lot of reasons why auto insurance rates in Indianapolis, Indiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Indianapolis, Indiana. Many local factors may affect your Indianapolis auto insurance rates.
Indianapolis Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Indianapolis, Indiana auto theft statistics, there have been 4,947 auto thefts in the city.
Indianapolis Commute Time
More: Best Cheap Auto Insurance in Seymour, IN (2022)
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Indianapolis, Indiana commute length is 23.6 minutes according to City-Data.
Indianapolis Traffic
How does Indianapolis, Indiana rank for traffic? According to Inrix Indianapolis, Indiana is the 439th most congested worldwide.
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Compare Indianapolis, Indiana Auto Insurance Quotes
Before you buy Indianapolis, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Indianapolis, Indiana auto insurance quotes.
More: Indiana Auto Insurance [Quotes + Definitive Coverage Guide]
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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