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Cheapest car insurance in Indianapolis, Indiana

Indiana requires minimum liability coverage of 25/50/25. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Filed per-carrier data
Methodology → All of Indiana →

Pulled directly from carrier rate filings for this city.

With 882,039 residents, Indianapolis sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 71% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, rates here land close to the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 USAAFiled rate, credit/record adjusted $100.55
02 GEICOFiled rate, credit/record adjusted $127.72
03 TravelersFiled rate, credit/record adjusted $153.31
04 ProgressiveFiled rate, credit/record adjusted $166.60
05 Auto-OwnersFiled rate, credit/record adjusted $190.70
06 Indiana Farmers InsuranceFiled rate, credit/record adjusted $225.71
07 FarmersFiled rate, credit/record adjusted $275.88
08 AllstateFiled rate, credit/record adjusted $279.45
09 Indiana Farm BureauFiled rate, credit/record adjusted $344.80
Rate explainer
Why is your best rate $100.55 and not $209.31?

Indianapolis is priced against 9 insurers for the 25-55 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-35.20
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Good (modeled) +$0.00
Driving record, One ticket (modeled) +$33.08
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.