Cheapest Car Insurance In Indianapolis, IN 2024
Auto-Owners Insurance Co is the most affordable option in Indianapolis, with an average monthly rate of $21 for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the cheapest car insurance in Indianapolis, IN, options can vary significantly.
For those seeking the lowest liability-only coverage, Auto-Owners Insurance Co is the clear winner. Drivers needing more comprehensive protection will find that American Family offers the best rates for full coverage policies. Meanwhile, Clearcover provides the most affordable rates for young drivers.
Cheapest Car Insurance Companies In Indianapolis, IN 2024
Cheapest Car Insurance In Indianapolis After At-Fault Accident: Auto-Owners Insurance Co
Auto-Owners Insurance Co provides the lowest car insurance rates for drivers with an at-fault incident, with an average monthly rate of $80.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance Co | $80 | $960 |
| Grange Insurance | $102 | $1,224 |
| American Family | $81 | $972 |
| Nationwide | $148 | $1,776 |
| Travelers | $112 | $1,344 |
Cheapest Minimum Coverage Car Insurance In Indianapolis: Auto-Owners Insurance Co
In Indianapolis, Auto-Owners Insurance Co is the most affordable car insurance provider for minimum coverage, with an average monthly cost of $21.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance Co | $21 | $252 |
| Westfield | $107 | $1,284 |
| American Family | $86 | $1,032 |
| Progressive | $113 | $1,356 |
| Travelers | $111 | $1,332 |
Cheapest Car Insurance In Indianapolis For Young Adults: Clearcover
Clearcover provides the lowest rates for young adults in Indianapolis, with average monthly premiums of around $54.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $54 | $648 |
| SafeAuto | $87 | $1,044 |
| Erie | $91 | $1,092 |
| USAA | $84 | $1,008 |
| Cincinnati Insurance | $100 | $1,200 |
Cheapest Full Coverage Car Insurance In Indianapolis: American Family
In Indianapolis, American Family offers the most affordable rates for full coverage car insurance, with average monthly premiums of $49.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $49 | $588 |
| Travelers | $80 | $960 |
| Auto-Owners Insurance Co | $67 | $804 |
| GEICO | $83 | $996 |
| Progressive | $76 | $912 |
Cheapest Car Insurance In Indianapolis For Seniors: Clearcover
Clearcover provides the most affordable car insurance rates for seniors in Indianapolis, with average monthly premiums of $54.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $54 | $648 |
| Cincinnati Insurance | $73 | $876 |
| Erie | $61 | $732 |
| USAA | $101 | $1,212 |
| SafeAuto | $65 | $780 |
Cheapest Auto Insurance Rates In Indianapolis For Teenagers: Clearcover
Teen drivers in Indianapolis can get the most affordable rates from Clearcover, with average monthly premiums of $66.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $66 | $792 |
| SafeAuto | $142 | $1,704 |
| USAA | $132 | $1,644 |
| Victoria | $158 | $1,896 |
| Erie | $137 | $1,644 |
Cheapest Car Insurance In Indianapolis After A Speeding Ticket: Auto-Owners Insurance Co
Auto-Owners Insurance Co is significantly more affordable compared to other companies, offering average monthly rates of $67.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance Co | $67 | $804 |
| Westfield | $107 | $1,284 |
| American Family | $82 | $984 |
| Progressive | $100 | $1,200 |
| Travelers | $104 | $1,248 |
Cheapest Car Insurance In Indianapolis For Drivers After A DUI: American Family
For drivers in Indianapolis with a DUI, American Family offers the lowest rates, with average monthly premiums of $68.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $68 | $816 |
| Allstate | $127 | $1,524 |
| Progressive | $94 | $1,128 |
| State Farm | $141 | $1,692 |
| Travelers | $124 | $1,488 |
Best Car Insurance Companies In Indianapolis
Here are the top 10 car insurance companies in Indianapolis, IN, ranked by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $109 |
| Clearcover | $60 |
| Pekin Insurance | $100 |
| SafeAuto | $81 |
| Cincinnati Insurance | $108 |
| Elephant Insurance | $64 |
| Indiana Farmers Mutual Ins | $102 |
| USAA | $87 |
| Grange Mutual | $123 |
| Erie | $94 |
Average Cost Of Car Insurance In Indianapolis – By Vehicle
| Vehicle | Average Monthly Rate |
| 2005 Ford Explorer | $260 |
| 2012 Gmc Terrain | $290 |
| 2006 Jeep Grand Cherokee | $155 |
| 2009 Saturn Outlook | $130 |
Average Cost Of Car Insurance In Indianapolis – By Age
| Age | Average Yearly Rate |
| Teenagers | $2,304 |
| 20s | $1,692 |
| 30s | $1,284 |
| 40s | $1,176 |
| 50s | $1,044 |
| 60s | $1,200 |
| 70s | $1,056 |
How Much Is Car Insurance In Other Cities in Indiana?
| City | Average Monthly Rate |
| Jeffersonville | $115 |
| Anderson | $93 |
| Indianapolis | $121 |
| Bloomington | $84 |
| Hammond | $125 |
| Crawfordsville | $67 |
| Gary | $123 |
| Elkhart | $85 |
| Fort Wayne | $112 |
| Evansville | $105 |
Average Cost Of Auto Insurance In Indianapolis – By Zip Code
| City | Average Monthly Rate |
| 46113 | $112 |
| 46016 | $70 |
| 46201 | $101 |
| 46071 | $156 |
| 46202 | $125 |
Our Methodology
Based on a thorough analysis of customer service ratings, product options, pricing, and an extensive review of online sources and user experiences, I have developed a detailed 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?
In Indianapolis, Auto-Owners Insurance Co offers the lowest rates for the minimum coverage required by Indiana, while American Family provides the most affordable rates for full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Indianapolis?
In Indianapolis, the average cost of car insurance is approximately $120 per month. Rates can vary based on factors such as your zip code, car’s year and model, and driving record.
