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.

129

Rainy Days a Year

42"

Avg. Annual Rainfall

26"

Avg. Annual Snowfall

Be Prepared For

Driving in Indy

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

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

McClain-Matthews Insurance

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

Wenclewicz Insurance

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

See All

Not sure about Indianapolis

Check out these other Indiana cities...

Fort Wayne

$1,055

The average Indianapolitan's annual cost of coverage

40%

Our customer's average savings after comparing insurance

169

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

See How Much You Can Save in Indianapolis

Click below to get free quotes in seconds!

Start Saving Now!
Additional Resources:

Indianapolis Car Insurance

7 Can’t-Miss Car Museums Across the U.S.
7 Can’t-Miss Car Museums Across the U.S.
Oct 28, 2016

Admiring automobiles is a classic American pastime: In fact, there are more than 100 museums dedicated to cars in the...

Kids and Pets Left in Hot Cars: What Can You Do?
Kids and Pets Left in Hot Cars: What Can You Do?
Aug 31, 2016

The interior temperature of a parked car sitting in the sun on a 78-degree day can reach 120 degrees in...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Bow-OW! Do You Need Car Insurance for Your Pet?
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016

Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...

The Danger of Trusting Your GPS
The Danger of Trusting Your GPS
Nov 02, 2015

If you use GPS regularly while driving, perhaps you’ve had fleeting “what if” thoughts—what if there’s a glitch and you’re...

10 Places It’s Cheap to Own a Car Right Now
10 Places It’s Cheap to Own a Car Right Now
Jun 08, 2015

Quoted wondered: In which of our 50 beautiful states is it the least expensive to own a car? We combined...

Travel Bans: When Hopping in Your Car Becomes Illegal
Travel Bans: When Hopping in Your Car Becomes Illegal
Feb 11, 2015

We’re sure your Twitter feed was inundated with updates and musings over the (some would say snowverrated) #Snowpocalypse of 2015. Winter...