How Much Does Car Insurance Cost in Indianapolis?

Indianapolis premiums exceed the state average by 7%, which is why the city is known for its costly premiums. We've analyzed how car insurance rates in Indianapolis compare to costs nationwide.

City AverageState AverageNational Average

Indianapolis Auto Insurance by Credit Rating

Improving your credit can save you a good amount of money. Those in the bottom credit tier (300-579) usually pay almost twice as much on premiums than those in the top credit tier (800-850). In terms of percent change, shifting from Good (670-739) to Very Good (740-799) has the largest positive impact on premiums, as it saves drivers nearly 16% per year.

Credit ScoreAverage Rate
Very Poor$2,037
Very Good$1,259

Indianapolis Car Insurance for Drivers With At-Fault Accidents or Violations

Previous accidents and violations can cost you in terms of prices on car insurance. Generally, a DUI in Indianapolis will cost you 54% more in car insurance premiums versus the city average ($1,217). Reckless driving will also drive your premiums up, with typical rates of $1,787. That is 47% higher than the city average. The value of the damage caused by an accident plays a part in how significantly insurance rates will increase. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you an additional 3% per year in premiums.

Incident or ViolationAverage Insurance Rate
Reckless Driving$1,787
At-fault Accident (damages less than $1,000)$1,732
At-fault Accident (damages greater than $2,000)$1,786
Speeding Ticket (16-20 mph over speed limit)$1,476

Indianapolis Car Insurance Rates by Driver Age

The greatest fall in premiums for Indianapolis drivers happens when they reach their 20s. Once out of the teenage age range, they reduce their premiums by $2,456. Insurance rates for drivers in Indianapolis continue to decrease through their 50s, but they can expect an increase when they hit 60. At $1,055, drivers in their 50s have the lowest car insurance rates among any age group. Those in their 60s ($1,075) have premiums that aren't much higher. Teenage drivers have the highest rates of any age group. They have car insurance payments that average $4,135.

AgeAverage Rate

Indianapolis Car Insurance by Marital Status and Gender

In Indianapolis, both marital status and gender can influence your auto insurance premiums. Rates for those who are divorced are a hair more expensive than rates for those who are single, while rates for widowed individuals are cheaper. While being married (as opposed to single) doesn't drastically affect your premiums, it does save you a bit of money. Males have premiums that are a mere 1% cheaper than those for females.

Marital Status/GenderAverage Rate

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 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

Williams & Associates Insurance

215 Terrace Avenue Suite B Indianapolis, IN 46225

M J Schuetz Insurance Services

55 Monument Circle Indianapolis, IN 46204

Sagamore Insurance Company

1099 N Meridian St Indianapolis, IN 46204

RMIA Inc. dba Risk Manager Insurance Agency

9119 Otis Avenue Indianapolis, IN 46216

McGowan Insurance Group, Inc.

355 Indiana Ave Indianapolis, IN 46204

Underwriters Alliance of Indiana, Inc.

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

Rural Insurance Agency Inc

225 S East St Indianapolis, IN 46202

Insurance Partners Inc

2450 S. Tibbs Ave. Indianapolis, IN 46241

Burns Insurance Agency

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

Wells Fargo Insurance Services

300 N. Meridian St. Indianapolis, IN 46220

Cliff Johnson Insurance Agency

3902 N. College Ave. Indianapolis, IN 46205

McClain-Matthews Insurance

6329 Hollister Drive Indianapolis, IN 46224

Walker & Associates Insurance

7364 E. Washington St Indianapolis, IN 46219

Associated Insurance Group of Indiana

7799 Michigan Rd. Indianapolis, IN 46268

Redding-Troy Insurance Agency

7740 E 88th St #100 Indianapolis, IN 46256

Gregory & Appel, Inc.

1402 N Capitol Ave Ste 400 Indianapolis, IN 46202

Merritt Hall Insurance

2421 Production Drive Indianapolis, IN 46242

The Alliance Insurance Group, Inc.

4912 W 16th St Indianapolis, IN 46224

DeFrantz Ins & Realty Agcy Inc

7780 N. Michigan Road Indianapolis, IN 46268

Fox and Fox, Inc.

3815 River Crossing Parkway Indianapolis, IN 46240

CoLiance Risk Advisors, LLC

429 N Pennsylvania St #202 Indianapolis, IN 46204

Wenclewicz Insurance

7212 N. Shadeland Ave. Indianapolis, IN 46250

See All

Not sure about Indianapolis

Check out these other Indiana cities...

Fort Wayne


The average Indianapolitan's annual cost of coverage


Our customer's average savings after comparing insurance


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

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Indianapolis Car Insurance

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