Buy Cheap Indianapolis, IN Auto Insurance
The average annual auto insurance rates in Indianapolis, IN are around $3,605 ($153/mo). The cheapest auto insurance company in Indianapolis USAA followed by GEICO, although rates will vary for each person. Indianapolis, IN car insurance must meet the state minimum requirements with coverage levels of 25/50/10 for liability and property damage as well as 25/50 for uninsured motorists coverage. Compare Indianapolis, Indiana auto insurance rates online to get the best price for you.
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UPDATED: Mar 26, 2021
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- The average annual auto insurance rates for Indianapolis, IN $3,605 ($153/mo)
- The cheapest auto insurance company in Indianapolis, IN is USAA, and the second cheapest is GEICO
- Indianapolis rates are affected by the traffic that is shared with Lafayette and Anderson
- The average commute time for Indianapolis is 23 min
Indianapolis, IN auto insurance rates are, on average, about $300 more than Anderson and about $650 more than Lafayette.
You can save on Indianapolis, Indiana auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap auto insurance in Indianapolis, IN for every age, credit history, and driving record.
Ready to find affordable auto insurance in Indianapolis, IN? Enter your ZIP code above to get started.
What is the cheapest auto insurance company in Indianapolis, IN?
The cheapest auto insurance company in Indianapolis, based on average rates, is USAA followed by GEICO. Keep in mind, however, that USAA is available only to military affiliates.
The top auto insurance companies in Indianapolis, IN, ranked from cheapest annual rates to most expensive are:
- USAA — $1,838
- GEICO — $2,605
- State Farm — $2,675
- Nationwide — $3,127
- Farmers — $3,295
- Travelers — $3,728
- American Family — $4,062
- Allstate — $4,264
- Progressive — $4,317
- Liberty Mutual — $6,140
There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.
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What auto insurance coverage is required in Indianapolis, IN?
All Indianapolis drivers have to meet the Indiana state law minimum requirements to buy auto insurance.
In Indiana, you have to carry at least:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $10,000 per incident for property damage
- $25,000 per person and $50,000 per incident for uninsured motorists
It’s recommended that most drivers carry more than the state minimum.
What affects auto insurance rates in Indianapolis, IN?
Indianapolis is the largest city in Indiana, but not necessarily the most expensive when it comes to auto insurance. Let’s take a look at how Indianapolis car insurance rates compared to cities nearby in Indiana.
- Gary, IN — $4,654 (most expensive)
- Anderson, IN — $3,300
- Indianapolis, IN — $3,605
- Lafayette, IN — $2,950 (cheapest)
INRIX ranks Indianapolis as the 79th-most congested city in the U.S. With traffic coming from Lafayette and Anderson, expect longer commute times.
City-Data reports the average commute time for Indianapolis is 23 minutes, but that can vary based on the time of day.
Car theft also affects rates. The FBI’s most recent annual statistics report Indianapolis having 4,904 car thefts in a city population of 870,788. That’s a rate of 563 cars stolen per 100,000 population.
Indianapolis, IN Auto Insurance: The Bottom Line
Indianapolis has about the same rates when compared to the state average, but you can still save by shopping around and comparing.
Before you buy auto insurance in Indianapolis, IN, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Indianapolis, IN auto insurance quotes.