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How Much Does Car Insurance Cost in Indianapolis?

In Indianapolis, car insurance costs an average of $1299 per year. This is more expensive than the Indiana average ($1179) but less expensive than the national average of $1557. Continue reading to determine how much you can expect to pay in Indianapolis based on your marital status, age, credit score, and other factors.

Indianapolis rates VS Indiana & the United States Averages

Indianapolis (annual average) Indiana (annual average) the United States
$1299 $1179 $1557

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What Would Increase Your Car Insurance Rate in Indianapolis?

Your car insurance rates in Indianapolis are affected by where you live. Aside from your driving history and credit score, where you live is a significant factor in the car insurance rates you'll pay. What's the reason? Crime, theft, and uninsured drivers differ by ZIP code.

So, if you live in a neighborhood where people don't get along, car insurance companies may consider you a high risk to insure, which means your rates may be higher than those of a neighbor down the street. And unfortunately, Indianapolis is no exception.

Auto theft statistics in Indianapolis

The Indianapolis car theft rate for 2021 was 567 per 100,000 population, a 0.9% increase from 2020.

Accidents Statistics in Indianapolis

According to the most recent accident statistics, 9.3 fatal accidents occurred in Indianapolis for every 100,000 people in 2021. One of the most disheartening statistics is the number of pedestrian accidents resulting in fatalities (per 100,000 people) in Indianapolis, nearly the same as the state average.

Useful Info For Driving In Indianapolis

While Indianapolis's driving laws are similar to neighboring cities, it's essential to be aware of any significant differences to avoid breaking any laws.

Follow these rules without fail:

  • At all times, drivers and passengers must wear a seatbelt.
  • If you are traveling with children under the age of eight, they must be adequately restrained in a safety seat.
  • Driving in dense fog with zero visibility is not permitted. If you must drive in dense fog with limited visibility, turn on both your headlights and emergency lights.
  • On a turn lane, you cannot overtake cyclists.
  • If the police pull you over, you must immediately turn on your interior light.

In large cities like Indianapolis, the speed limits on regular highways vary greatly, dropping to as low as 20 mph in some places. Avoid hefty fines by adhering to these general speed limits.

U-turns are illegal in many cities, but they are permitted in most circumstances in Indianapolis. To make a U-turn, you must have 750 feet of road visibility in both directions, so avoid making a U-turn near bends and steep gradients.

Indianapolis' parking laws are similar to those in the rest of the country. Parking in front of driveways, sidewalks, or railroad crossings is prohibited, and it is also illegal to leave your car unattended on a highway or interstate.

When parking, keep the following distances in mind:

  • Parking should not be done within 20 feet of a crosswalk at an intersection.
  • Parking is not permitted within 15 feet of a fire hydrant.
  • Parking is not permitted within 30 feet of a beacon, flashing stop sign, or traffic signal.
  • Parking should not be done within 30 feet of a safety zone.
  • Parking is not permitted within 50 feet of a railway crossing.

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Car Insurance Companies in Indianapolis

Here is the list of the 50 largest car insurance companies in Indianapolis. This is based on the number of premiums for policies they sold in the state during the period 2019 - 2021.

Car insurance companies
State Farm Celina Insurance
Progressive Alfa Mutual Group
Allstate Corp. The Hanover Insurance Group
Indiana Farm Bureau American Access Casualty Co.
Berkshire Hathaway Inc. Utica National Insurance Group
Liberty Mutual Hastings Mutual Insurance Co.
American Family Insurance CSAA Insurance Exchange
Erie Insurance West Bend Mutual Insurance Co.
Auto-Owners Insurance Auto Club Insurance Association
USAA National General Holdings Corp.
Indiana Farmers Mutual Insurance Co. Grinnell Mutual
Nationwide Central Insurance Companies
Farmers Insurance Selective
Travelers Western National Insurance
Safe Auto Insurance Group Inc. First Acceptance
Westfield Insurance Elephant Insurance Co.
The Cincinnati Insurance Cos. Markel
MetLife American National
The Hartford Horace Mann
Grange Insurance Amica
Shelter Insurance Donegal
Warrior Invictus Holding Co. Sentry
Western Reserve Group Producer's National Corp.
Pekin Insurance ACUITY A Mutual Insurance Co.
State Auto Encova Insurance

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


What kind of auto coverage is required in Indianapolis?

A valid Indianapolis auto insurance policy must include both bodily injury and property damage liability coverages. Your insurance company's premiums will cover any expenses you owe to injured people in an accident you caused, up to a specific limit (the limit on your policy).

How much is car insurance per month in Indianapolis?

The average cost of car insurance per month in Indianapolis is about $108. This is just an average estimate. The price can be higher or lower depending on various factors.

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