Cheapest Car Insurance Quotes in Indianapolis

Finding the cheapest car insurance quotes in Indianapolis shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Indianapolis Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in Indianapolis

The car insurance rate in Indianapolis is $936 for a six-month policy, which is $187 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $364, making it a popular choice for budget-conscious drivers. Rates in Indianapolis can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Indianapolis

$936

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Indianapolis

1st place: American Family

At $364 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $505 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $513 for six months, making it the third cheapest auto insurance company in Indianapolis.

Indianapolis Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Indianapolis, IN is American Family, offering policies at just $364 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $505.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1901 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Indianapolis drivers find the best deals.

Cheap Car Insurance Companies in Indianapolis, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$364	$61
Auto-Owners Insurance Co	$505	$86
Westfield	$513	$85
Nationwide	$639	$108
Hastings Mutual	$713	$120
USAA	$728	$123
Hastings Insurance	$803	$134
Progressive	$846	$143
Travelers	$846	$143
Auto-Owners	$958	$161
Farm Bureau	$1225	$204
State Farm	$1359	$229
Allstate	$1715	$289
Farmers	$1901	$324

Key Takeaways

Way's key takeaways about car insurance in Indianapolis

The auto insurance costs in Indianapolis fall around $364 for six months.
The cheapest auto insurance company in Indianapolis is Westfield.
Teen drivers pay the highest rate in Indianapolis at $825 per month.

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Cheapest Minimum Liability Car Insurance in Indianapolis

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Indianapolis are given below.

Westfield provides the cheapest minimum car insurance coverage in Indianapolis. Their Average 6 Month Premium is $156. Farmers is the most expensive at $683 for the same period.

Cheapest Liability Coverage in Indianapolis, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
American Family	$200	$34
Auto-Owners Insurance Co	$208	$35
USAA	$208	$35
Hastings Mutual	$223	$38
Indiana Farmers	$230	$39
Progressive	$268	$45
Auto-Owners	$275	$46
Grange	$275	$46
Travelers	$290	$49
SafeAuto	$305	$51
Farm Bureau	$371	$64
State Farm	$371	$63
Allstate	$646	$109
Farmers	$683	$114

Cheapest Full Coverage Car Insurance in Indianapolis

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Indianapolis is American Family at $61 per month and $364 for six months.

Cheapest Full Coverage Car Insurance Quotes in Indianapolis, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$364	$61
Auto-Owners Insurance Co	$505	$86
Westfield	$513	$85
Nationwide	$639	$108
Hastings Mutual	$713	$120
USAA	$728	$123
Hastings Insurance	$803	$134
Progressive	$846	$143
Travelers	$846	$143
Auto-Owners	$958	$161
Farm Bureau	$1225	$204
State Farm	$1359	$229
Allstate	$1715	$289
Farmers	$1901	$324

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Average Car Insurance in Indianapolis by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Indianapolis, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Indianapolis, Indiana, may be increasing due to several external factors. Indiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Indianapolis's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Indianapolis

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$480
40s	USAA	$450
50s	USAA	$426
60s	USAA	$444
70s	Buckeye Insurance Group	$474

Cheapest Car Insurance Rates for Teen Drivers in Indianapolis,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Indianapolis at $31 per month. At $4849 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
American Family	$208	$35
Auto-Owners Insurance Co	$268	$45
Grange	$290	$49
USAA	$816	$138
Travelers	$1054	$178
Progressive	$1144	$193
Auto-Owners	$2806	$478
Allstate	$3660	$610
State Farm	$3876	$659
Farm Bureau	$4314	$719
Farmers	$4849	$825

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Indianapolis.

As young drivers face the highest rates in Indianapolis, USAA offers the cheapest auto insurance rates at $480 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Indianapolis, Westfield is the cheapest car insurance provider. At $298 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Indianapolis is State Farm, offering rates of around $5554 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$298	$50
American Family	$311	$53
Nationwide	$349	$59
Grange	$371	$63
Progressive	$950	$160
Travelers	$958	$161
USAA	$1114	$190
Allstate	$1485	$250
Farm Bureau	$2510	$426
Auto-Owners	$3104	$518
Farmers	$3104	$528
State Farm	$5554	$926

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Save up to $971/yr on car insurance rates in Indianapolis.

Car Insurance Rates with An Accident in Indianapolis

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Indianapolis, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Indianapolis

The cheapest car insurance companies after an at-fault accident in Indianapolis include American Family and AutoOwners Insurance Co, offering $253 and $290, respectively. Allstate is an expensive provider with an average six-month premium of $3066.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$253	$43
Auto-Owners Insurance Co	$290	$49
Indiana Farmers	$298	$50
Grange	$326	$55
USAA	$571	$96
Travelers	$661	$111
Auto-Owners	$690	$116
Progressive	$705	$119
State Farm	$965	$163
Farmers	$1515	$255
Farm Bureau	$1819	$304
Allstate	$3066	$521

Indianapolis Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Indianapolis IN. For example, the car insurance in Indianapolis after a DUI increases to $943 for a six month policy. While the rate increases by $230 for a six-month policy in the case of a speeding ticket.

Indianapolis auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1025	$171
One Med/PIP claim	$1025	$174
Not-at-fault accident	$1084	$181
Two Med/PIP claims	$1099	$186
One comp claim	$1106	$185
Failure to show documents	$1159	$198
Failure to wear a seat belt	$1166	$194
Two comp claims	$1174	$200
Child safety restraint	$1188	$198
Driving without lights	$1188	$203
Driving with expired registration	$1233	$205
Speeding 6 - 10 MPH over limit	$1255	$214
Driving too slowly	$1263	$210
Failure to yield	$1263	$215
Following too closely	$1263	$210
Illegal turn	$1263	$215
Speeding in school zone	$1263	$210
Cell phone violation	$1270	$216
Speeding 11 - 15 MPH over limit	$1270	$211
Texting while driving	$1270	$216
Wrong way/wrong lane	$1270	$211
Failure to stop at a red light	$1278	$218
Improper passing	$1285	$214
Speeding 16 - 20 MPH over limit	$1285	$219
At-fault accident - less than $1000	$1300	$216
Passing school bus	$1321	$225
Speeding 21 - 25 MPH over limit	$1389	$231
At-fault accident - $1000-$2000	$1433	$244
In 65 MPH zone	$1455	$243
At-fault accident - greater than $2000	$1463	$249
Operating a vehicle without permission	$1566	$261
Open container	$1581	$269
Racing	$1923	$320
Reckless driving	$1930	$329
Refusal to submit to a chemical test	$1953	$325
DUI	$1968	$335
Leaving scene of an accident/hit and run	$2005	$334
Driving with a suspended license	$2020	$344

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Indianapolis after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Indianapolis.

The cheapest car insurance premiums in Indianapolis are offered by American Family at $253 for a six-month policy. However, it can be as expensive as $3408 with companies like Farmers.

Indianapolis car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$253	$43
Grange	$460	$79
Travelers	$698	$118
Progressive	$705	$119
USAA	$861	$145
Farm Bureau	$1433	$241
State Farm	$1448	$244
Allstate	$1581	$266
Auto-Owners	$2183	$368
Hastings Mutual	$2346	$399
Farmers	$3408	$568

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Indianapolis are offered by Westfield at $193. However, it can be as expensive as $2391 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Indianapolis after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$193	$33
American Family	$253	$43
Auto-Owners Insurance Co	$268	$45
Travelers	$750	$126
Progressive	$765	$129
USAA	$765	$128
State Farm	$816	$138
Auto-Owners	$1106	$185
Farm Bureau	$1470	$250
Farmers	$2361	$394
Allstate	$2391	$406

Car Insurance Price Trends in Indianapolis, Indiana

Car insurance rates in Indianapolis have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Indianapolis rose by $195 in January compared to $168 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Indianapolis rose to $51 in January, compared to $49 in December. This represents an increase of $2 when comparing January and December.

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Average Car Insurance Cost in Indianapolis by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Indianapolis. At $945 for a six-month policy, insuring your car at 46228 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
46228	$945	$159
46229	$964	$162
46204	$936	$157
46226	$973	$163
46227	$983	$165
46205	$954	$160
46268	$954	$160
46224	$964	$162
46202	$954	$160
46203	$973	$163
46225	$936	$157
46222	$964	$162
46201	$964	$162
46208	$954	$160
46220	$964	$162
46221	$954	$160
46240	$954	$160
46241	$964	$162
46260	$964	$162
46280	$936	$157
46217	$964	$162
46239	$964	$162
46218	$964	$162
46259	$945	$159
46237	$973	$163
46216	$936	$157
46235	$964	$162
46236	$964	$162
46214	$954	$160
46256	$954	$160
46278	$936	$157
46234	$954	$160
46219	$964	$162
46290	$936	$157
46231	$945	$159
46254	$973	$163
46250	$945	$159

Frequently Asked Questions

How much is car insurance in Indianapolis?

The car insurance in Indianapolis is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Indianapolis?

The cheapest car insurance in Indianapolis is $61 per month for full coverage.

How much is car insurance in Indianapolis for teenagers?

Car insurance for teenagers costs $186 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Indianapolis?

The average cost of car insurance is $749 for a six-month policy. It will cost around $158 per month to insure your car in Indianapolis.

Is car insurance expensive in Indianapolis?

Car insurance can be expensive in Indianapolis if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Indianapolis can be affordable.

Cheapest Car Insurance Quotes in Indianapolis

Why you can trust Way?

How Much Is Car Insurance in Indianapolis

Avg. Car Insurance in Indianapolis

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Indianapolis

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Indianapolis Car Insurance Rates by Company

Cheap Car Insurance Companies in Indianapolis, IN

Way's key takeaways about car insurance in Indianapolis

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Indianapolis

Cheapest Liability Coverage in Indianapolis, IN

Cheapest Full Coverage Car Insurance in Indianapolis

Cheapest Full Coverage Car Insurance Quotes in Indianapolis, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Indianapolis by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Indianapolis, IN increasing?

Car Insurance Premiums by Age in Indianapolis

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Indianapolis,IN

If you are in your twenties USAA is the best choice for car insurance in Indianapolis.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Indianapolis

Cheapest Car Insurance Companies after an At-Fault Accident in Indianapolis

Indianapolis Car Insurance Rates by Violation

Indianapolis auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Indianapolis after a DUI

Indianapolis car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Indianapolis after Speeding ticket

Car Insurance Price Trends in Indianapolis, Indiana

Average Car Insurance Cost in Indianapolis by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Indianapolis, IN

Car Insurance Rates by State in the USA (2025 Update)

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