Cheapest Car Insurance In Indianapolis, IN 2025
In Indianapolis, Auto-Owners offers the lowest price for minimum car insurance coverage, averaging $34 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the cheapest car insurance in Indianapolis, IN, can lead to a wide range of options.
If you’re after the cheapest liability-only coverage, Auto-Owners takes the top spot. For drivers wanting full coverage, State Farm has the best rates, while Clearcover offers the most affordable options for young drivers.
Cheapest Car Insurance Companies In Indianapolis, IN 2025
Cheapest Liability-only Car Insurance In Indianapolis: Auto-Owners
In Indianapolis, Auto-Owners offers the lowest-priced minimum coverage car insurance, averaging $34 per month.
Refer to the table below to compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $34 | $408 |
| GEICO | $39 | $468 |
| State Farm | $36 | $432 |
| American Family | $52 | $624 |
| Travelers | $70 | $840 |
Cheapest Full Coverage Insurance Rates In Indianapolis: State Farm
State Farm offers the lowest full coverage car insurance rates in Indianapolis, with average quotes of $72 per month.
The table below shows average car insurance quotes from budget-friendly providers in Indianapolis.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $72 | $864 |
| Travelers | $136 | $1,632 |
| American Family | $103 | $1,236 |
| Progressive | $128 | $1,536 |
| GEICO | $79 | $948 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm offers the lowest car insurance rates for seniors in Indianapolis, with an average monthly cost of $39.
The table below displays average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $39 | $468 |
| American Family | $58 | $696 |
| Clearcover | $77 | $924 |
| Nationwide | $92 | $1,104 |
| Travelers | $81 | $972 |
Cheapest Rates In Indianapolis For Teenagers: GEICO
GEICO offers the most affordable car insurance for teenage drivers in Indianapolis, with monthly premiums averaging $132.
The table below compares the companies offering the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $132 | $1,584 |
| Clearcover | $192 | $2,304 |
| Progressive | $233 | $2,796 |
| American Family | $186 | $2,232 |
| Farmers | $261 | $3,132 |
Cheapest Auto Insurance For Young Adults in Indianapolis: Clearcover
Clearcover provides the lowest quotes for young adults in Indianapolis, with average monthly rates of $63.
The table below allows you to compare the lowest auto insurance rates for young adults in Indianapolis.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $63 | $756 |
| Cincinnati Insurance | $94 | $1,128 |
| Safe Auto | $96 | $1,152 |
| USAA | $99 | $1,188 |
| Erie | $85 | $1,020 |
Cheapest Car Insurance In Indianapolis For Good Drivers: Auto-Owners
Auto-Owners offers the most affordable car insurance for good drivers in Indianapolis, with monthly premiums averaging $34.
If you’re a good driver, the table below shows average quotes from the most affordable insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $34 | $408 |
| GEICO | $39 | $468 |
| State Farm | $36 | $432 |
| American Family | $52 | $624 |
| Travelers | $70 | $840 |
Find affordable Indianapolis rates
Cheapest Car Insurance In Indianapolis After A Speeding Ticket: Auto-Owners
Auto-Owners offers some of the lowest rates in Indianapolis, with an average of $89 per month for drivers who have a speeding ticket on their record.
The table below shows average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $89 | $1,068 |
| GEICO | $101 | $1,212 |
| State Farm | $92 | $1,104 |
| American Family | $135 | $1,620 |
| Progressive | $170 | $2,040 |
Cheapest For Drivers With After At-Fault Accident: State Farm
For drivers with an at-fault incident, State Farm provides the lowest car insurance rates, averaging $95 per month.
Below are the car insurance companies offering the lowest rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $95 | $1,140 |
| GEICO | $106 | $1,272 |
| Progressive | $177 | $2,124 |
| Farmers | $193 | $2,316 |
| American Family | $140 | $1,680 |
Cheapest Rates In Indianapolis For Drivers After A DUI: Auto-Owners
Auto-Owners provides the lowest rates for drivers after a DUI, with average monthly premiums of $107 for Indianapolis residents.
The table below shows the lowest car insurance rates for Indianapolis drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $107 | $1,284 |
| GEICO | $127 | $1,524 |
| State Farm | $115 | $1,380 |
| Clearcover | $168 | $2,016 |
| Progressive | $210 | $2,520 |
Best Car Insurance Companies In Indianapolis
Auto-Owners offers the most affordable insurance for Indianapolis drivers at $34 per month, followed by State Farm at $36 and GEICO at $39.
Below are the top 10 car insurance providers in Indianapolis, IN, listed by their average monthly rates.
| Company | Monthly Premium |
| Auto-Owners | $34 |
| GEICO | $39 |
| State Farm | $36 |
| American Family | $52 |
| Travelers | $70 |
| Progressive | $67 |
| Farmers | $73 |
| Allstate | $82 |
| Nationwide | $91 |
| National Genaral | $109 |
Average Rates In Indianapolis – By Vehicle
The car you drive is a major factor in determining your insurance rates. Insurers consider details like the make, model, year, and body style. Generally, newer vehicles, especially luxury cars with advanced features and higher replacement costs, come with higher premiums.
The table below shows average insurance rates in Indianapolis for various types of vehicles.
| Vehicle | Average Monthly Rate |
| Ford Escape | $178 |
| Toyota Corolla | $222 |
| Dodge Journey | $264 |
| Audi A8 | $85 |
Average Auto Insurance Rates In Indianapolis – By Age
Age plays a significant role in determining car insurance rates. Younger drivers generally face higher premiums because of their inexperience and higher risk of accidents and violations. Teenagers can expect to pay about $2,253 annually for car insurance.
Once drivers turn 25, their insurance rates typically start to drop, provided they have a clean driving history.
Drivers in their 50s and early 60s typically enjoy the best insurance rates, as companies use age to gauge driving experience and risk, which impacts premium costs.
| Age | Average Yearly Rate |
| Teenagers | $2,253 |
| 20s | $1,783 |
| 30s | $1,235 |
| 40s | $1,243 |
| 50s | $1,120 |
| 60s | $1,144 |
| 70s | $1,185 |
How Much Is Car Insurance In Other Cities in Nevada?
Your city of residence plays a major role in determining your car insurance rates. Insurers consider factors like accident likelihood, theft, and vandalism, which tend to be higher in urban areas, leading to increased premiums.
For instance, car insurance in Gary costs about $200 per month, whereas Crawfordsville residents pay an average of $130 monthly.
| City | Average Monthly Rate |
| Jeffersonville | $146 |
| Anderson | $137 |
| Athens | $142 |
| Bloomington | $138 |
| Hammond | $192 |
| Crawfordsville | $130 |
| Gary | $200 |
| Elkhart | $135 |
| Fort Wayne | $140 |
| Evansville | $147 |
Average Cost Of Auto Insurance In Indianapolis – By Zip Code
Insurers use zip codes to assess local crime rates, which is why car insurance rates vary by zip code.
The table below shows the average insurance rates for various zip codes in Indianapolis.
| Zip Code | Average Monthly Rate |
| 46203 | $99 |
| 46222 | $111 |
| 46201 | $109 |
| 46221 | $115 |
| 46214 | $120 |
| 46231 | $93 |
Find affordable Indianapolis rates
Our Methodology
Based on a detailed analysis of factors like customer service, product options, pricing, and feedback from online review sites, I’ve created an in-depth overview of car insurance providers in Indianapolis, IN.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Indianapolis?
Auto-Owners provides the lowest car insurance rates in Indianapolis for the state’s minimum coverage, while State Farm offers the best rates for full coverage, including comprehensive and collision.
What is the average cost of car insurance in Indianapolis?
The average monthly cost for car insurance in Indianapolis is approximately $120, though rates may vary depending on factors like zip code, car make and model, and driving history.
