How Much Are Car Insurance Rates in Indianapolis?


On average, Indianapolis premiums exceed Indiana's average by 7%. Who doesn't like to save money? Check out some methods to save on car insurance in Indianapolis.


CAR INSURANCE PRICES: INDIANAPOLIS VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,217$1,133$1,427


Indianapolis Auto Insurance by Gender and Marital Status


Marital status as well as gender are important considerations in determining the cost of car insurance in Indianapolis. 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 significantly alter your premiums, it does cost you a bit more to insure your vehicle. Unfortunately for women, their premiums tend to be 1% more costly than for men.


INDIANAPOLIS CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,230
Male$1,217
Single$1,217
Married$1,210
Divorced$1,223
Widowed$1,197


Indianapolis Car Insurance Rates by Driver Age

The largest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Indianapolis start saving $2,456 annually. In Indianapolis, turning 60 means an increase in car insurance premiums. Up until then, progressing between age groups means decreasing prices. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance payments among any age group, with rates of $1,055/year. However, those in their 60s ($1,075) also have relatively low premiums. Teenage drivers have the most expensive rates out of all the age groups. They pay around $4,135 on car insurance premiums.


INDIANAPOLIS AUTO INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$4,135
20s$1,678
30s$1,198
40s$1,137
50s$1,055
60s$1,075
70s$1,275


Indianapolis Car Insurance After an Accident or Moving Violation


Do you realize the impact an accident or violation can have on your car insurance premiums? $653 is the additional cost per year for drivers with a DUI in Indianapolis, compared to the city average of $1,217. Reckless driving will also drive your rates up, with average rates of $1,787, which are 47% higher than the city average. When comparing premiums for drivers with at-fault accidents in Indianapolis, those with damages exceeding $2,000 pay 3% more than those with damages less than $1,000.


AVERAGE INDIANAPOLIS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Annual Premium
DUI/DWI$1,870
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 by Credit Level


Improving your credit can save you a good bundle of money. Those in the bottom credit tier (300-579) pay an average of almost twice as much for car insurance than those in the top credit tier (800-850). The most notable benefit of better credit comes from boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of $235 per year.


INDIANAPOLIS AUTO INSURANCE RATES BY CREDIT LEVEL
CreditAverage Rate
Very Poor$2,037
Fair$1,751
Good$1,494
Very Good$1,259
Exceptional$1,108


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 Zip Codes

46222   46201   46218   46208   46205  

Cheap Zip Codes

46290   46280   46259   46237   46250  

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

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

Find Local Indianapolis Agents

Sagamore Insurance Company

1099 N Meridian St Indianapolis, IN 46204

Fox and Fox, Inc.

3815 River Crossing Parkway Indianapolis, IN 46240

DeFrantz Ins & Realty Agcy Inc

7780 N. Michigan Road Indianapolis, IN 46268

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

_icon-city-pizza

169

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

See How Much You Can Save in Indianapolis

Just enter your zip code to get started


Recent Questions:

Indianapolis Car Insurance

My car was hit in the process of being repaired

Jun 26, 2018

About a month ago I was involved in an accident that caused damage to my back bumper and I am ...