How much does auto insurance cost in Indianapolis?


Car insurance costs an average of $1,284 per year in Indianapolis. That's greater than than the average in Indiana ($1,165) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Indianapolis.


CAR INSURANCE RATES IN INDIANAPOLIS
Indianapolis Average (annual)Indiana AverageNational Average
$1,284$1,165$1,548

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Indianapolis car insurance rates by company


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, Erie offers Indianapolis's most affordable premiums. See below the best options for affordable auto insurance in Indianapolis. Don't forget to get car insurance quotes based on your driving profile.


INDIANAPOLIS CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
Erie$830
State Farm$1,012
AAA$1,139
Progressive$1,263
Indiana Farm Bureau$1,391

Consult our expert guide to finding the best cheap car insurance.



Indianapolis car insurance premiums by age

The age group that pays the least for car insurance in Indianapolis are drivers in their 50s ($1,101per year). Those in their 60s don't pay significantly more ($1,145).

Teenage drivers pay Indianapolis's most expensive auto insurance rates. When drivers hit their 20s in Indianapolis and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Indianapolis is $2,677, the largest such difference between any two age groups.


INDIANAPOLIS AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Annual Rate
Teenagers$4,475
20s$1,798
30s$1,253
40s$1,176
50s$1,101
60s$1,145
70s$1,419

Learn more about the impact of age on auto insurance rates.



Indianapolis car insurance rates by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Indianapolis, married drivers pay $64 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Indianapolis, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect auto insurance rates. In Indianapolis, the gap in car insurance rates between genders is $33 per year, with male drivers paying more than female drivers.


INSURANCE RATES IN INDIANAPOLIS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,251
Male$1,284
Single$1,220
Married$1,220
Divorced$1,284
Widowed$1,282

Read more about the relationships between gender, marital status and insurance rates.



Indianapolis auto insurance rates by citation and accident history


If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Indianapolis drivers found guilty of reckless driving face insurance rate increases of $604 per year, compared to the citywide average. A DUI violation may lead to a $538 increase, while a citation for speeding leads to a $359 rate hike.


AVERAGE INDIANAPOLIS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Annual Rate
DWI/DUI$1,822
Reckless Driving$1,888
At-fault Accident (damages less than $1,000)$1,708
At-fault Accident (damages greater than $2,000)$1,837
Speeding Ticket (16-20 mph over speed limit)$1,643

Learn more about the impact of driving violations on car insurance rates.



Indianapolis car insurance rates by credit tier


An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. Indianapolis drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 60% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Indianapolis, improving your credit to "Fair" could help you earn $1,060 in savings on insurance premiums each year.


INDIANAPOLIS CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Rate (annual)
Very Poor$2,629
Fair$1,569
Good$1,284
Very Good$1,167
Exceptional$1,060

Learn more about the relationship between poor credit and car insurance.



What drives up car insurance rates in Indianapolis?

Where you live in Indianapolis affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Indianapolis is no exception to the rule. From ZIP code 46290 to 46205, premiums rise by 18 percent—that’s $167.

Expensive Indianapolis ZIP codes: 46222, 46201, 46218, 46208, 46205

Cheap Indianapolis ZIP codes: 46290, 46280, 46259, 46237, 46250

Indianapolis Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Indianapolis, you can expect 129 rainy days with an annual rainfall of 42.4 inches. Indianapolis is also known to experience severe winter storms.

129

Rainy Days a Year

42"

Avg. Annual Rainfall

26"

Avg. Annual Snowfall

Be Prepared For

Driving in Indy

2
Major Highways
I-65 U.S. 31 U.S. 36
2
Public Transit
IndyGo Bus
2
Toll Roads
Indiana Toll Road
2
Popular Day Trips
Billie Creek Village Indiana Dunes State Park Bonneyville Mill County Park

Find Local Indianapolis Agents

Underwriters Alliance of Indiana, Inc.

429 N. Pennsylvania St., Suite 202, Indianapolis, IN 46204

CoLiance Risk Advisors, LLC

429 N Pennsylvania St #202, Indianapolis, IN 46204

Fox and Fox, Inc.

3815 River Crossing Parkway Suite 100, Indianapolis, IN 46240

M J Schuetz Insurance Services

55 Monument Circle Suite 500, Indianapolis, IN 46204

Walker & Associates Insurance

7364 E. Washington St, Indianapolis, IN 46219

Wenclewicz Insurance

7212 N. Shadeland Ave. Suite 201, Indianapolis, IN 46250

Williams & Associates Insurance

215 Terrace Avenue Suite B, Indianapolis, IN 46225

The Alliance Insurance Group, Inc.

4912 W 16th St, Indianapolis, IN 46224

Gregory & Appel, Inc.

1402 N Capitol Ave Ste 400, Indianapolis, IN 46202

Merritt Hall Insurance

2421 Production Drive Ste 203, Indianapolis, IN 46242

Associated Insurance Group of Indiana

7799 Michigan Rd., Indianapolis, IN 46268

Sagamore Insurance Company

1099 N Meridian St, Indianapolis, IN 46204

Wells Fargo Insurance Services

300 N. Meridian St., Indianapolis, IN 46220

McClain-Matthews Insurance

6329 Hollister Drive, Indianapolis, IN 46224

DeFrantz Ins & Realty Agcy Inc

7780 N. Michigan Road Suite C, Indianapolis, IN 46268

Burns Insurance Agency

1433 N. Meridian St., Ste 205, Indianapolis, IN 46202

Cliff Johnson Insurance Agency

3902 N. College Ave., Indianapolis, IN 46205

Insurance Partners Inc

2450 S. Tibbs Ave., Indianapolis, IN 46241

RMIA Inc. dba Risk Manager Insurance Agency

9119 Otis Avenue, Indianapolis, IN 46216

Redding-Troy Insurance Agency

7740 E 88th St #100, Indianapolis, IN 46256

McGowan Insurance Group, Inc.

355 Indiana Ave Suite 200, Indianapolis, IN 46204

Rural Insurance Agency Inc

225 S East St, Indianapolis, IN 46202

Not sure about Indianapolis

Check out these other Indiana cities:

Fort Wayne

2

$1,055

The average Indianapolitan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

169

That's equal to 169 pieces of pizza or $422 in savings

See How Much You Can Save in Indianapolis

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Recent Questions:

Indianapolis Car Insurance

Can I get an SR-22 car for my car that doesn't work?

Hello, You can get auto insurance with an SR-22 however, you will need to list the vehicle that you own (even if inoperable). You do not qualify for a non-owners policy because you own a car and drive your friend's car regularly.

My car was hit in the process of being repaired

This can be a tricky situation. Since there was damage caused by 2 different events, you will need to report both to the insurance company if that's how you want to get them repaired.

Does roadside assistance help with keys locked in a car?

While I cannot speak for the actual details of your policy, GEICO's roadside assistance does provide lockout services up to $100. Meaning, they would reimbursement you after-the-fact for your claim.