Best Cheap Auto Insurance in Indianapolis, IN (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • 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.

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.

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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Indianapolis, Indiana

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

Finding cheap teen auto insurance in Indianapolis, Indiana is a challenge. Take a look at the annual teen auto insurance rates in Indianapolis, Indiana.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Indianapolis, Indiana

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.

Annual Indianapolis, Indiana Auto Insurance Rates by Driving Record

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

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.

Annual Auto Insurance Rates After a DUI in Indianapolis, Indiana

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.

Annual Auto Insurance Rates by Credit Score in Indianapolis, Indiana

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.

Annual Auto Insurance Rates by ZIP Code in Indianapolis, Indiana

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

Commute length and annual mileage affect Indianapolis, Indiana auto insurance. Find the cheapest annual Indianapolis, Indiana auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Indianapolis, Indiana

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.

Annual Auto Insurance Rates by Coverage Level in Indianapolis, Indiana

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.

Best Annual Auto Insurance Rates by Company in Indianapolis, Indiana

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

What auto insurance companies in Indianapolis, Indiana are the cheapest? Compare the top Indianapolis, Indiana auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Indianapolis, Indiana

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

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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