Car Insurance in Indianapolis
Premiums in Indianapolis, which are $84 higher than Indiana's average, are known for being costly. So being knowledgeable about premiums while insuring a vehicle in Indianapolis is vital. Going over some tips below about how to save on Indianapolis car insurance can save you money.
- City Average: $1,217
- State Average: $1,133
- National Average: $1,427
Indianapolis Car Insurance by Gender and Marital Status
In Indianapolis, gender and marital status can play a role in your car insurance premiums. Rates for those who are widowed are a hair cheaper than rates for those who are single, while rates for divorced individuals are more expensive. While being single (as opposed to married) doesn't drastically affect your premiums, it does cost you a small amount more per year. On average, males have premiums that are a mere 1% cheaper than those for females.
- Female: $1,230
- Male: $1,217
- Single: $1,217
- Married: $1,210
- Divorced: $1,223
- Widowed: $1,197
Indianapolis Car Insurance by Accident or Violation History
Accidents and violations on your driving record can cost you in terms of car insurance premiums. On average, a DUI in Indianapolis will cost you 54% more in car insurance premiums versus the city average ($1,217). Reckless driving will drive your rates up as well, with typical rates of $1,787. Insurance rates are influenced by at-fault accident history, and more specifically, by how much damage was done in the accidents. Being at-fault in an accident with damages exceeding $2,000 costs you an additional 3% per year in premiums compared to an accident with damages less than $1,000.
- DUI: $1,870
- Reckless Driving: $1,787
- At-fault Accident (damages less than $1000): $1,732
- At-fault Accident (damages greater than $2000): $1,786
- Speeding Ticket (16-20 mph over speed limit): $1,476
Indianapolis Car Insurance by Credit Rating
The disparity between average car insurance premiums in Indianapolis for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $929/year. Drivers will see the biggest reduction in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $235 per year.
- Very Poor: $2,037
- Fair: $1,751
- Good: $1,494
- Very Good: $1,259
- Exceptional: $1,108
Indianapolis Car Insurance by Age
Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $4,135 on average. Indianapolis drivers see the biggest dip in premiums when they reach their 20s, as they save an average of 59% from moving out of the teenage age bracket. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest rates among any age group, with rates of $1,055. However, people in their 60s ($1,075) aren’t paying significantly more.
- Teenagers: $4,135
- 20s: $1,678
- 30s: $1,198
- 40s: $1,137
- 50s: $1,055
- 60s: $1,075
- 70s: $1,275
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in Indy
Major HighwaysI-65 U.S. 31 U.S. 36
Toll RoadsIndiana Toll Road
Car Insurance Companies in Indianapolis
Find Local Indianapolis Agents
Cliff Johnson Insurance Agency
3902 N. College Ave. Indianapolis, IN 46205
Gregory & Appel, Inc.
1402 N Capitol Ave Ste 400 Indianapolis, IN 46202
Merritt Hall Insurance
2421 Production Drive Indianapolis, IN 46242
Wells Fargo Insurance Services
300 N. Meridian St. Indianapolis, IN 46220
Williams & Associates Insurance
215 Terrace Avenue Suite B Indianapolis, IN 46225
Redding-Troy Insurance Agency
7740 E 88th St #100 Indianapolis, IN 46256
McGowan Insurance Group, Inc.
355 Indiana Ave Indianapolis, IN 46204
The Alliance Insurance Group, Inc.
4912 W 16th St Indianapolis, IN 46224
Insurance Partners Inc
2450 S. Tibbs Ave. Indianapolis, IN 46241
RMIA Inc. dba Risk Manager Insurance Agency
9119 Otis Avenue Indianapolis, IN 46216
6329 Hollister Drive Indianapolis, IN 46224
Fox and Fox, Inc.
3815 River Crossing Parkway Indianapolis, IN 46240
Walker & Associates Insurance
7364 E. Washington St Indianapolis, IN 46219
7212 N. Shadeland Ave. Indianapolis, IN 46250
CoLiance Risk Advisors, LLC
429 N Pennsylvania St #202 Indianapolis, IN 46204
Rural Insurance Agency Inc
225 S East St Indianapolis, IN 46202
Associated Insurance Group of Indiana
7799 Michigan Rd. Indianapolis, IN 46268
Sagamore Insurance Company
1099 N Meridian St Indianapolis, IN 46204
M J Schuetz Insurance Services
55 Monument Circle Indianapolis, IN 46204
Burns Insurance Agency
1433 N. Meridian St., Ste 205 Indianapolis, IN 46202
Underwriters Alliance of Indiana, Inc.
429 N. Pennsylvania St., Suite 202 Indianapolis, IN 46204
DeFrantz Ins & Realty Agcy Inc
7780 N. Michigan Road Indianapolis, IN 46268
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