Cheapest Car Insurance In Indianapolis, IN 2025
GEICO offers the cheapest liability-only car insurance in Indianapolis, with an average rate of $39 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When scouring for the cheapest car insurance in Indianapolis, IN, the options can vary greatly.
For those seeking the cheapest liability-only coverage, GEICO emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that Buckeye offers the best rates for full coverage policies. While Wawanesa offers the cheapest car insurance rates for young drivers.
Key Takeaways
Indianapolis’s cheapest liability-only car insurance company is GEICO.
Car insurance in Indianapolis costs an average of $112 per month.
To get the lowest rates, shop around and compare quotes from multiple carriers.
Cheapest Liability-Only Car Insurance In Indianapolis – GEICO
GEICO is the cheapest car insurance company for minimum coverage car insurance in Indianapolis, with an average monthly cost of $39.
Use the table below to compare rates across different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $46 | $552 |
| GEICO | $39 | $468 |
| Indiana Farm Bureau | $49 | $588 |
| Progressive | $57 | $684 |
| State Farm | $44 | $528 |
Cheapest Full Coverage Insurance In Indianapolis – Buckeye
Buckeye has the cheapest car insurance rates for full coverage. Their quotes average $107 a month in Indianapolis.
The table below compares average auto insurance quotes from affordable insurers in Indianapolis.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $112 | $1,344 |
| Buckeye Insurance | $107 | $1,284 |
| GEICO | $116 | $1,392 |
| State Farm | $121 | $1,452 |
| Travelers | $119 | $1,428 |
Cheapest Car Insurance For Senior Drivers – Auto-Owners
Auto-Owners offers the cheapest car insurance policy for seniors in Indianapolis, at an average rate of $83 a month.
The below table shows average quotes from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $83 | $996 |
| Erie Insurance | $86 | $1,032 |
| GEICO | $88 | $1,056 |
| Progressive | $91 | $1,092 |
| State Farm | $85 | $1,020 |
Cheapest Car Insurance In Indianapolis For Teenagers – GEICO
Teenage drivers in Indianapolis can find the cheapest quotes from GEICO, with average monthly premiums of $254.
The table below shows the companies with the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $268 | $3,216 |
| GEICO | $254 | $3,048 |
| Nationwide | $279 | $3,348 |
| Progressive | $291 | $3,492 |
| State Farm | $262 | $3,144 |
Find Affordable Indianapolis Rates
Cheapest Car Insurance In Indianapolis After A Speeding Ticket – USAA
USAA offers the cheapest car insurance in Indianapolis, with average rates of $118 a month for drivers who have a speeding ticket on their record.
You can use the table below to find average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $127 | $1,524 |
| GEICO | $133 | $1,596 |
| Indiana Farm Bureau | $121 | $1,452 |
| State Farm | $129 | $1,548 |
| USAA | $118 | $1,416 |
Cheapest For Drivers With After At-Fault Accident – Indiana Farm Bureau
Indiana Farm Bureau offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $118 per month.
Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $127 | $1,524 |
| GEICO | $133 | $1,596 |
| Indiana Farm Bureau | $118 | $1,416 |
| Progressive | $141 | $1,692 |
| State Farm | $124 | $1,488 |
Cheapest Rates In Indianapolis For Drivers After A DUI – Indiana Farm Bureau
Indiana Farm Bureau offers the cheapest rates for drivers after a DUI in Indianapolis, with average monthly premiums of $142.
Drivers in Indianapolis with a DUI can find the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $158 | $1,896 |
| Auto-Owners | $150 | $1,800 |
| Indiana Farm Bureau | $142 | $1,704 |
| Progressive | $165 | $1,980 |
| State Farm | $148 | $1,776 |
Best Car Insurance Companies In Indianapolis
Drivers in Indianapolis can find the most affordable insurance with USAA for $121 a month. Indianapolis drivers might want to also consider Erie at $129 a month, or State Farm at $133 per month.
Shown below are the top 10 car insurance companies in Indianapolis, IN, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Allstate | $152 |
| Auto-Owners | $138 |
| Erie Insurance | $129 |
| Farmers Insurance | $144 |
| GEICO | $135 |
| Liberty Mutual | $158 |
| Nationwide | $141 |
| Progressive | $147 |
| State Farm | $133 |
| USAA | $121 |
Average Car Insurance Cost In Indianapolis
Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.
According to our latest research, the average cost of car insurance in Indianapolis is $112 per month, compared to the Indiana state average of $127, and the national average of $172 per month.
| Area | Average Monthly Rate |
| National | $172 |
| Indiana | $127 |
| Indianapolis | $112 |
Average Auto Insurance Rates In Indianapolis – By Age
Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $5,465 per year for car insurance.
As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $5,465 |
| 20s | $2,285 |
| 30s | $2,045 |
| 40s | $1,945 |
| 50s | $1,865 |
| 60s | $1,785 |
| 70s | $1,925 |
Average Car Insurance Rates In Indianapolis – By Vehicle
The type of vehicle you own plays a significant role in determining your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
You can use the table below to find average rates in Indianapolis for different vehicles.
| Vehicle | Average Monthly Rate |
| Audi Q7 | $212 |
| Buick Regal | $187 |
| Chevrolet Colorado | $196 |
| Dodge Caravan | $189 |
| Ford Fusion | $183 |
Find Affordable Indianapolis Rates
Average Cost Of Auto Insurance In Indianapolis – By Zip Code
Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.
You can use the table below to find average insurance rates for different zip codes in Indianapolis.
| Zip Code | Average Monthly Rate |
| 46227 | $152 |
| 46218 | $163 |
| 46220 | $148 |
| 46226 | $159 |
| 46201 | $155 |
How Much Is Car Insurance In Other Cities In Indiana?
The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.
For example, drivers in Hammond can expect to pay around $139 per month for car insurance, while residents of Columbus pay an average rate of $123 per month.
| City | Average Monthly Rate |
| Carmel | $132 |
| Columbus | $123 |
| Hammond | $139 |
| Muncie | $125 |
FAQs
Who has the lowest car insurance rates in Indianapolis?
The lowest car insurance rates in Indianapolis are offered by GEICO for the minimum coverage required by the State of Indiana and Buckeye for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Indianapolis?
The average cost of car insurance in Indianapolis is about $112 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Indianapolis, IN.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
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