Compare Rates and Save on Auto Insurance

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The most affordable insurer in Indianapolis for you depends on your driver profile and needs. Auto-Owners Insurance Co has the lowest rate for minimum coverage, while American Family is the cheapest for full coverage or with an at-fault accident or DUI. Nationwide is the cheapest insurer for teens, while USAA is the ideal choice for military-affiliated drivers. We recommend American Family if you want the best combination of affordability and service.

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2023

Cheapest and Best Car Insurance in Indianapolis

Cheapest Minimum Liability Car Insurance in Indianapolis

On average, the cheapest car insurance companies for a minimum coverage policy in Indianapolis are:

  • Auto-Owners Insurance Co: $296 per year
  • State Farm: $299 per year

Allstate is the most expensive provider for minimum coverage, with a policy costing an average of $735 per year. As of October 2022, Auto-Owners Insurance Co also offers the cheapest car insurance in Indiana at an average annual rate of $240, making this company’s minimum coverage insurance cost around $56 more in Indianapolis than the state’s average premium. Your location does influence the cost of car insurance.

Company
Annual Premium
Monthly Premium

State Farm

$282

$23

Auto-Owners Insurance Co

$296

$25

State Farm

$299

$25

Auto-Owners Insurance Co

$305

$25

Westfield

$335

$28

American Family

$347

$29

Progressive

$349

$29

American Family

$355

$30

State Farm

$365

$30

American Family

$366

$30

Progressive

$367

$31

Westfield

$369

$31

GEICO

$374

$31

Auto-Owners Insurance Co

$376

$31

GEICO

$389

$32

Indiana Farm Bureau

$391

$33

Westfield

$394

$33

Progressive

$401

$33

Grange Insurance

$404

$34

Grange Insurance

$410

$34

Indiana Farm Bureau

$425

$35

GEICO

$426

$35

Travelers

$444

$37

Farmers

$447

$37

Grange Insurance

$452

$38

Farmers

$463

$39

Travelers

$472

$39

Indiana Farm Bureau

$494

$41

Travelers

$503

$42

Nationwide

$543

$45

Farmers

$549

$46

Nationwide

$551

$46

State Farm

$637

$53

American Family

$637

$53

American Family

$649

$54

State Farm

$692

$58

Nationwide

$694

$58

American Family

$701

$58

Auto-Owners Insurance Co

$702

$58

GEICO

$710

$59

Allstate

$716

$60

Auto-Owners Insurance Co

$723

$60

Allstate

$735

$61

GEICO

$773

$64

Westfield

$796

$66

Farmers

$800

$67

Westfield

$807

$67

Allstate

$819

$68

Progressive

$820

$68

Progressive

$836

$70

Farmers

$844

$70

Nationwide

$845

$70

Grange Insurance

$845

$70

Indiana Farm Bureau

$888

$74

GEICO

$896

$75

State Farm

$896

$75

Travelers

$900

$75

Travelers

$908

$76

Nationwide

$914

$76

Grange Insurance

$923

$77

Indiana Farm Bureau

$989

$82

Auto-Owners Insurance Co

$991

$83

Farmers

$1,024

$85

Grange Insurance

$1,026

$86

Progressive

$1,037

$86

Allstate

$1,048

$87

Travelers

$1,074

$89

Westfield

$1,089

$91

Allstate

$1,108

$92

Indiana Farm Bureau

$1,121

$93

Nationwide

$1,168

$97

Allstate

$1,333

$111

State law determines liability limits for a minimum coverage policy. In Indiana, minimum liability extends to bodily injury and property damage coverage at these amounts:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Your liability coverage will pay for expenses related to other people’s injuries and damages to property. For example, if you have a $25,000 liability limit for property damage per at-fault accident, your insurer will pay only up to $25,000 in total property damage. Costs that go beyond this limit will come out of your pocket.

Cheapest Full Coverage Car Insurance in Indianapolis

On average, the cheapest car insurance companies for a full coverage policy in Indianapolis are:

  • American Family: $649 per year
  • State Farm: $692 per year

Allstate has the most expensive full coverage policy, averaging $1,108 per year. At an average annual rate of $552, American Family is also the cheapest auto insurance company for full coverage in Indiana. In Indianapolis, American Family is more expensive by about $97 than the company’s state average price, showing that location affects car insurance costs, even with the same company.

Company
Annual Premium
Monthly Premium

State Farm

$282

$23

Auto-Owners Insurance Co

$296

$25

State Farm

$299

$25

Auto-Owners Insurance Co

$305

$25

Westfield

$335

$28

American Family

$347

$29

Progressive

$349

$29

American Family

$355

$30

State Farm

$365

$30

American Family

$366

$30

Progressive

$367

$31

Westfield

$369

$31

GEICO

$374

$31

Auto-Owners Insurance Co

$376

$31

GEICO

$389

$32

Indiana Farm Bureau

$391

$33

Westfield

$394

$33

Progressive

$401

$33

Grange Insurance

$404

$34

Grange Insurance

$410

$34

Indiana Farm Bureau

$425

$35

GEICO

$426

$35

Travelers

$444

$37

Farmers

$447

$37

Grange Insurance

$452

$38

Farmers

$463

$39

Travelers

$472

$39

Indiana Farm Bureau

$494

$41

Travelers

$503

$42

Nationwide

$543

$45

Farmers

$549

$46

Nationwide

$551

$46

State Farm

$637

$53

American Family

$637

$53

American Family

$649

$54

State Farm

$692

$58

Nationwide

$694

$58

American Family

$701

$58

Auto-Owners Insurance Co

$702

$58

GEICO

$710

$59

Allstate

$716

$60

Auto-Owners Insurance Co

$723

$60

Allstate

$735

$61

GEICO

$773

$64

Westfield

$796

$66

Farmers

$800

$67

Westfield

$807

$67

Allstate

$819

$68

Progressive

$820

$68

Progressive

$836

$70

Farmers

$844

$70

Nationwide

$845

$70

Grange Insurance

$845

$70

Indiana Farm Bureau

$888

$74

GEICO

$896

$75

State Farm

$896

$75

Travelers

$900

$75

Travelers

$908

$76

Nationwide

$914

$76

Grange Insurance

$923

$77

Indiana Farm Bureau

$989

$82

Auto-Owners Insurance Co

$991

$83

Farmers

$1,024

$85

Grange Insurance

$1,026

$86

Progressive

$1,037

$86

Allstate

$1,048

$87

Travelers

$1,074

$89

Westfield

$1,089

$91

Allstate

$1,108

$92

Indiana Farm Bureau

$1,121

$93

Nationwide

$1,168

$97

Allstate

$1,333

$111

Full coverage insurance dials up your level of protection by adding comprehensive and collision insurance to your liability policy.

  • Collision Insurance: It helps cover the repair or replacement of your vehicle if it sustains damage in an at-fault accident, such as a collision with another vehicle or an object.
  • Comprehensive Insurance: This helps cover the repair or replacement of your vehicle if it sustains damage in a non-accident incident like theft, vandalism or a weather-related event.

We recommend purchasing full coverage if you have a newer and more expensive car, but it might not be sensible to pay the added cost if you have an older vehicle with a low value.

Cheapest Car Insurance in Indianapolis After a Driving Offense

The average cheapest car insurance companies for a full coverage policy after driving violations in Indianapolis are:

  • Speeding ticket: State Farm ($755 per year)
  • At-fault accident: American Family ($878 per year)
  • DUI: American Family ($834 per year)

Allstate has the highest average annual premium after a ticket ($1,388), while Westfield charges the average highest rate following an at-fault accident ($1,872) or a DUI ($2,257). An unfavorable driving record has quite an impact on an insurance premium, so even the cheapest insurers might charge up to hundreds of dollars more compared to rates for safe drivers.

Company
Annual Premium
Monthly Premium

State Farm

$310

$26

State Farm

$329

$27

State Farm

$366

$30

Auto-Owners Insurance Co

$376

$31

State Farm

$389

$32

Auto-Owners Insurance Co

$389

$32

Progressive

$396

$33

Auto-Owners Insurance Co

$400

$33

State Farm

$402

$34

Westfield

$402

$34

State Farm

$409

$34

Auto-Owners Insurance Co

$413

$34

State Farm

$434

$36

Progressive

$436

$36

American Family

$441

$37

American Family

$441

$37

Westfield

$443

$37

American Family

$450

$38

American Family

$456

$38

American Family

$456

$38

American Family

$460

$38

American Family

$460

$38

Progressive

$462

$39

Progressive

$467

$39

American Family

$467

$39

American Family

$469

$39

Westfield

$472

$39

State Farm

$474

$40

Auto-Owners Insurance Co

$478

$40

Indiana Farm Bureau

$488

$41

Auto-Owners Insurance Co

$509

$42

Progressive

$514

$43

State Farm

$528

$44

Indiana Farm Bureau

$532

$44

GEICO

$536

$45

GEICO

$541

$45

Progressive

$544

$45

Grange Insurance

$550

$46

Grange Insurance

$564

$47

Farmers

$590

$49

Travelers

$597

$50

Grange Insurance

$602

$50

Grange Insurance

$613

$51

Indiana Farm Bureau

$617

$51

Indiana Farm Bureau

$617

$51

GEICO

$619

$52

Travelers

$626

$52

Travelers

$633

$53

Farmers

$635

$53

Progressive

$639

$53

Grange Insurance

$649

$54

Nationwide

$655

$55

Farmers

$656

$55

Travelers

$664

$55

Nationwide

$666

$56

Grange Insurance

$673

$56

Indiana Farm Bureau

$673

$56

Travelers

$687

$57

Farmers

$691

$58

State Farm

$696

$58

Grange Insurance

$696

$58

Travelers

$704

$59

Farmers

$708

$59

Grange Insurance

$711

$59

Progressive

$715

$60

Farmers

$720

$60

GEICO

$721

$60

Travelers

$731

$61

Indiana Farm Bureau

$733

$61

Farmers

$737

$61

Travelers

$740

$62

Progressive

$749

$62

GEICO

$754

$63

State Farm

$755

$63

Indiana Farm Bureau

$780

$65

Grange Insurance

$781

$65

Farmers

$791

$66

Nationwide

$791

$66

Indiana Farm Bureau

$798

$66

Nationwide

$804

$67

State Farm

$812

$68

Travelers

$813

$68

Nationwide

$820

$68

American Family

$825

$69

American Family

$825

$69

Farmers

$832

$69

American Family

$834

$70

American Family

$834

$70

GEICO

$839

$70

Allstate

$854

$71

Allstate

$867

$72

American Family

$871

$73

Auto-Owners Insurance Co

$873

$73

American Family

$878

$73

State Farm

$880

$73

Allstate

$881

$73

Allstate

$895

$75

American Family

$896

$75

American Family

$896

$75

Auto-Owners Insurance Co

$898

$75

Auto-Owners Insurance Co

$900

$75

Westfield

$903

$75

State Farm

$906

$75

Auto-Owners Insurance Co

$917

$76

Indiana Farm Bureau

$925

$77

Auto-Owners Insurance Co

$929

$77

GEICO

$932

$78

Westfield

$937

$78

Auto-Owners Insurance Co

$942

$78

Nationwide

$945

$79

American Family

$947

$79

Westfield

$954

$80

Nationwide

$958

$80

Westfield

$962

$80

Westfield

$968

$81

GEICO

$978

$81

State Farm

$978

$82

State Farm

$981

$82

Allstate

$996

$83

Nationwide

$998

$83

GEICO

$1,005

$84

Allstate

$1,010

$84

Allstate

$1,014

$84

Progressive

$1,040

$87

Allstate

$1,044

$87

Progressive

$1,070

$89

Nationwide

$1,071

$89

Indiana Farm Bureau

$1,082

$90

GEICO

$1,086

$90

Westfield

$1,108

$92

GEICO

$1,125

$94

Farmers

$1,136

$95

State Farm

$1,142

$95

Westfield

$1,143

$95

Auto-Owners Insurance Co

$1,144

$95

Farmers

$1,145

$95

Nationwide

$1,152

$96

Nationwide

$1,156

$96

Westfield

$1,167

$97

Allstate

$1,197

$100

Indiana Farm Bureau

$1,204

$100

Auto-Owners Insurance Co

$1,229

$102

Grange Insurance

$1,236

$103

Farmers

$1,246

$104

Travelers

$1,262

$105

Grange Insurance

$1,264

$105

Grange Insurance

$1,268

$106

Farmers

$1,269

$106

State Farm

$1,272

$106

Progressive

$1,273

$106

Grange Insurance

$1,274

$106

Auto-Owners Insurance Co

$1,288

$107

Progressive

$1,288

$107

GEICO

$1,306

$109

Westfield

$1,307

$109

Allstate

$1,309

$109

Progressive

$1,313

$109

Farmers

$1,316

$110

Travelers

$1,320

$110

Allstate

$1,327

$111

Nationwide

$1,345

$112

Travelers

$1,348

$112

Indiana Farm Bureau

$1,356

$113

Indiana Farm Bureau

$1,366

$114

Grange Insurance

$1,379

$115

Travelers

$1,380

$115

Farmers

$1,381

$115

Allstate

$1,388

$116

Farmers

$1,394

$116

Allstate

$1,406

$117

Travelers

$1,417

$118

Farmers

$1,430

$119

Nationwide

$1,430

$119

Travelers

$1,442

$120

Nationwide

$1,443

$120

Travelers

$1,465

$122

Grange Insurance

$1,485

$124

GEICO

$1,496

$125

Indiana Farm Bureau

$1,508

$126

GEICO

$1,522

$127

Grange Insurance

$1,532

$128

Progressive

$1,561

$130

Travelers

$1,572

$131

Allstate

$1,576

$131

Farmers

$1,577

$131

Travelers

$1,599

$133

Indiana Farm Bureau

$1,622

$135

Grange Insurance

$1,623

$135

Nationwide

$1,663

$139

Allstate

$1,675

$140

Progressive

$1,690

$141

Allstate

$1,701

$142

Indiana Farm Bureau

$1,712

$143

Allstate

$1,724

$144

GEICO

$1,759

$147

Nationwide

$1,761

$147

Progressive

$1,771

$148

Nationwide

$1,788

$149

Grange Insurance

$1,805

$150

Indiana Farm Bureau

$1,807

$151

Westfield

$1,861

$155

Westfield

$1,872

$156

GEICO

$1,873

$156

GEICO

$1,918

$160

Auto-Owners Insurance Co

$1,962

$163

Auto-Owners Insurance Co

$1,986

$166

GEICO

$2,042

$170

Indiana Farm Bureau

$2,049

$171

Progressive

$2,064

$172

Allstate

$2,072

$173

Nationwide

$2,106

$176

Westfield

$2,155

$180

Westfield

$2,246

$187

Westfield

$2,257

$188

Westfield

$2,539

$212

Auto-Owners Insurance Co

$2,737

$228

Having a severe violation on your record could drive up your insurance premium. Indianapolis drivers with a speeding ticket or DUI pay around $329 or $745 more, respectively, for full coverage compared to those with a clean record. There are options to explore to get affordable car insurance for drivers with bad driving records.

Cheapest Car Insurance in Indianapolis for Teens and Their Families

On average, the cheapest car insurance companies for a 16-year-old teen on a family policy in Indianapolis are:

  • Nationwide: $1,766 per year for female teens; $1,940 per year for male teens
  • State Farm: $1,866 per year for female teens
  • Allstate: $2,158 per year for male teens

Auto-Owners Insurance Co offers the least affordable full coverage for teens at roughly $3,170 for female teens or $3,308 for male teens on a family policy. Male teens are generally thought of as more impulsive and thrill-seeking, which could make them prone to driving recklessly. That results in a higher rate, but the good news is that any sex-specific difference in premium evens out starting in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$953

$1,725

State Farm

$966

$1,787

Nationwide

$1,013

$1,841

Travelers

$1,038

$1,809

Nationwide

$1,039

$1,982

GEICO

$1,049

$2,101

GEICO

$1,056

$1,938

Travelers

$1,078

$1,952

State Farm

$1,086

$2,009

GEICO

$1,086

$1,993

Travelers

$1,086

$2,170

GEICO

$1,090

$2,182

Travelers

$1,116

$2,020

Nationwide

$1,118

$2,596

State Farm

$1,124

$2,039

GEICO

$1,131

$3,160

State Farm

$1,143

$2,459

GEICO

$1,162

$2,327

Nationwide

$1,164

$2,116

Nationwide

$1,165

$2,859

GEICO

$1,169

$2,146

GEICO

$1,184

$2,869

Nationwide

$1,184

$2,418

GEICO

$1,184

$3,181

State Farm

$1,192

$2,206

Travelers

$1,196

$2,085

Farmers

$1,199

$1,712

Nationwide

$1,212

$2,313

State Farm

$1,217

$2,673

GEICO

$1,221

$2,889

Nationwide

$1,228

$2,233

Nationwide

$1,231

$2,653

Travelers

$1,234

$2,375

Travelers

$1,239

$2,495

Auto-Owners Insurance Co

$1,252

$3,066

Farmers

$1,260

$1,857

Auto-Owners Insurance Co

$1,271

$3,067

State Farm

$1,280

$2,321

Nationwide

$1,281

$2,444

Travelers

$1,290

$2,249

Progressive

$1,298

$1,946

Progressive

$1,301

$1,960

Auto-Owners Insurance Co

$1,336

$3,269

Farmers

$1,351

$2,690

State Farm

$1,356

$2,917

GEICO

$1,379

$4,360

Auto-Owners Insurance Co

$1,380

$3,330

Auto-Owners Insurance Co

$1,393

$3,805

State Farm

$1,405

$3,086

State Farm

$1,405

$3,500

State Farm

$1,413

$2,563

Auto-Owners Insurance Co

$1,431

$3,504

Farmers

$1,443

$2,998

Allstate

$1,444

$2,535

Allstate

$1,444

$2,535

GEICO

$1,445

$4,039

Travelers

$1,454

$2,799

Travelers

$1,456

$2,793

Travelers

$1,461

$3,266

Progressive

$1,467

$2,997

GEICO

$1,468

$4,518

Auto-Owners Insurance Co

$1,468

$4,112

Progressive

$1,488

$2,241

Auto-Owners Insurance Co

$1,493

$4,659

State Farm

$1,507

$3,253

Allstate

$1,508

$2,120

Allstate

$1,508

$2,120

GEICO

$1,509

$6,583

Auto-Owners Insurance Co

$1,518

$3,662

Allstate

$1,529

$2,150

Allstate

$1,529

$2,150

GEICO

$1,537

$4,129

Allstate

$1,541

$4,991

Allstate

$1,541

$4,991

Auto-Owners Insurance Co

$1,553

$4,105

Nationwide

$1,561

$4,415

Progressive

$1,561

$2,769

Farmers

$1,566

$2,546

Allstate

$1,566

$2,323

Allstate

$1,566

$2,323

Progressive

$1,572

$2,356

Nationwide

$1,574

$5,208

Allstate

$1,575

$2,214

Allstate

$1,575

$2,214

GEICO

$1,605

$6,546

Progressive

$1,617

$2,435

State Farm

$1,619

$4,026

Farmers

$1,621

$2,314

Progressive

$1,632

$3,333

Progressive

$1,640

$2,933

Farmers

$1,644

$3,737

Farmers

$1,647

$6,170

Farmers

$1,660

$2,369

Nationwide

$1,664

$3,865

Farmers

$1,667

$2,851

Progressive

$1,672

$3,416

Travelers

$1,673

$4,089

Progressive

$1,677

$3,869

Allstate

$1,677

$3,328

Allstate

$1,677

$3,328

Nationwide

$1,687

$5,215

Allstate

$1,691

$2,967

Allstate

$1,691

$2,967

Auto-Owners Insurance Co

$1,695

$4,479

Farmers

$1,704

$3,392

Farmers

$1,705

$2,513

Auto-Owners Insurance Co

$1,711

$4,985

Farmers

$1,719

$4,024

Nationwide

$1,728

$6,073

Progressive

$1,734

$2,599

GEICO

$1,734

$7,565

Auto-Owners Insurance Co

$1,739

$5,424

Travelers

$1,740

$3,336

Farmers

$1,742

$6,695

Auto-Owners Insurance Co

$1,749

$6,284

Travelers

$1,754

$3,963

Progressive

$1,764

$5,426

Farmers

$1,766

$2,602

Nationwide

$1,766

$6,285

Nationwide

$1,772

$4,351

State Farm

$1,777

$4,411

Farmers

$1,777

$3,692

State Farm

$1,780

$3,842

Nationwide

$1,824

$6,033

GEICO

$1,849

$7,540

State Farm

$1,857

$4,619

State Farm

$1,866

$5,273

Progressive

$1,927

$4,470

Farmers

$1,927

$7,221

Nationwide

$1,940

$7,344

Progressive

$1,961

$4,006

Progressive

$1,978

$6,152

Progressive

$1,983

$6,097

Nationwide

$2,003

$7,041

Progressive

$2,006

$6,983

GEICO

$2,043

$12,588

Farmers

$2,048

$7,870

State Farm

$2,068

$5,054

Travelers

$2,074

$5,049

Travelers

$2,078

$5,080

Farmers

$2,092

$10,121

Allstate

$2,113

$6,843

Allstate

$2,113

$6,843

Allstate

$2,158

$9,134

Allstate

$2,158

$9,134

Progressive

$2,171

$6,751

Travelers

$2,175

$6,782

Progressive

$2,210

$7,713

Farmers

$2,222

$11,053

GEICO

$2,239

$13,304

State Farm

$2,366

$5,784

State Farm

$2,378

$6,602

Auto-Owners Insurance Co

$2,613

$5,610

Travelers

$2,624

$6,388

Auto-Owners Insurance Co

$2,636

$7,399

Travelers

$2,763

$8,740

Auto-Owners Insurance Co

$2,851

$6,121

Auto-Owners Insurance Co

$2,965

$8,323

Auto-Owners Insurance Co

$3,170

$8,683

Auto-Owners Insurance Co

$3,308

$12,131

Including a teen driver on a family policy could save hundreds of dollars in auto insurance. For instance, the average 16-year-old male driver in Indianapolis who purchases an individual policy pays around $4,369 per year for full coverage. If on a family policy, the total cost reduces to roughly $2,057 per year, a savings of around $2,312 annually. Don’t forget to shop around to find the cheapest auto insurance for teens.

Cheapest Car Insurance in Indianapolis for Military Drivers

The cheapest car insurance companies for active or veteran military families in Indianapolis are:

  • USAA: $453 per year
  • American Family: $649 per year

What’s shown above are the average rates for a full coverage policy. USAA not only has the cheapest auto insurance for military-affiliated drivers, but it also has an extensive list of coverages and services that are specifically tailored to the needs of military personnel. For an even more affordable option, you could purchase USAA’s minimum coverage policy, which only costs around $195 per year. Auto-Owners Insurance Co offers the second-cheapest minimum coverage policy at roughly $296 per year.

Company
Annual Premium
Monthly Premium

USAA

$195

$16

USAA

$205

$17

USAA

$241

$20

State Farm

$282

$23

Auto-Owners Insurance Co

$296

$25

State Farm

$299

$25

Auto-Owners Insurance Co

$305

$25

Westfield

$335

$28

American Family

$347

$29

Progressive

$349

$29

American Family

$355

$30

State Farm

$365

$30

American Family

$366

$30

Progressive

$367

$31

Westfield

$369

$31

GEICO

$374

$31

Auto-Owners Insurance Co

$376

$31

GEICO

$389

$32

Indiana Farm Bureau

$391

$33

Westfield

$394

$33

Progressive

$401

$33

Grange Insurance

$404

$34

Grange Insurance

$410

$34

Indiana Farm Bureau

$425

$35

GEICO

$426

$35

Travelers

$444

$37

Farmers

$447

$37

USAA

$447

$37

Grange Insurance

$452

$38

USAA

$453

$38

Farmers

$463

$39

Travelers

$472

$39

Indiana Farm Bureau

$494

$41

Travelers

$503

$42

Nationwide

$543

$45

Farmers

$549

$46

Nationwide

$551

$46

USAA

$573

$48

State Farm

$637

$53

American Family

$637

$53

American Family

$649

$54

State Farm

$692

$58

Nationwide

$694

$58

American Family

$701

$58

Auto-Owners Insurance Co

$702

$58

GEICO

$710

$59

Allstate

$716

$60

Auto-Owners Insurance Co

$723

$60

Allstate

$735

$61

GEICO

$773

$64

Westfield

$796

$66

Farmers

$800

$67

Westfield

$807

$67

Allstate

$819

$68

Progressive

$820

$68

Progressive

$836

$70

Farmers

$844

$70

Nationwide

$845

$70

Grange Insurance

$845

$70

Indiana Farm Bureau

$888

$74

GEICO

$896

$75

State Farm

$896

$75

Travelers

$900

$75

Travelers

$908

$76

Nationwide

$914

$76

Grange Insurance

$923

$77

Indiana Farm Bureau

$989

$82

Auto-Owners Insurance Co

$991

$83

Farmers

$1,024

$85

Grange Insurance

$1,026

$86

Progressive

$1,037

$86

Allstate

$1,048

$87

Travelers

$1,074

$89

Westfield

$1,089

$91

Allstate

$1,108

$92

Indiana Farm Bureau

$1,121

$93

Nationwide

$1,168

$97

Allstate

$1,333

$111

How to Compare Cheap Indianapolis Car Insurance Quotes Online

Comparing rates from various auto insurance providers in Indianapolis could help you identify the cheapest company for you, but completing the online form could take up to 15 minutes for each company. You’ll need to provide a lot of personal information.

With MoneyGeek’s car insurance calculator, you’ll benefit from the thousands of quotes that we’ve collected from different providers. You’ll only need to provide your age, vehicle type, preferred coverage level and driving record to get a personalized ballpark estimate of your premium.

Auto Insurance Calculator

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Best Car Insurance in Indianapolis: Summary

How much you value affordability, service quality, coverage and other factors will determine the best car insurance company and type of policy for you. We rounded up MoneyGeek’s top picks for the best car insurance in Indianapolis, Indiana, by category:

  • Best overall: American Family (MoneyGeek score of 80 out of 100)
  • Best for service: Westfield (MoneyGeek score of 68 out of 100)
  • Best cheap: Auto-Owners Insurance Co (MoneyGeek score of 84 out of 100)

Note that factors are weighed differently in each category, so you might notice that a company’s overall MoneyGeek score changes by section. American Family offers many essential coverages, which you can add to the cheapest full coverage policy in Indianapolis, making it the best auto insurance company in Indiana and the city of Indianapolis. Receiving a MoneyGeek score of 85 out of 100, USAA is another insurer that’s worth considering if you meet its eligibility requirements.

Best Overall Car Insurance in Indianapolis

These are the best car insurance providers in Indianapolis that offer the ideal combination of affordability and service quality:

  • American Family: MoneyGeek score of 80 out of 100 ($649 per year)
  • Auto-Owners Insurance Co: MoneyGeek score of 77 out of 100 ($723 per year)

American Family rightfully earned the top spot on our list by providing essential coverages in exchange for the average cheapest full coverage premium in Indianapolis. USAA is another insurer that military personnel on active duty and veterans should consider. It received a MoneyGeek score of 85 out of 100.

American Family Insurance

pros

Offers the cheapest full coverage policy, averaging $649 per year

Received a high score for customer satisfaction

Offers all four of the essential coverages

cons

Weak claims management

Doesn’t offer deductible modification

COMPANY HIGHLIGHTS

American Family gets the basics right by offering essential add-on coverages like roadside assistance, rental car reimbursement and gap insurance, plus original equipment manufacturer (OEM) coverage. If your car is involved in an accident, you would want the damaged parts to be replaced with original products from your car’s manufacturer. That ensures an optimal match without sacrificing quality and function. With American Family’s OEM coverage, you’re guaranteed to receive original product replacements and not aftermarket parts from a third-party manufacturer that might be compatible with your car but could compromise the safety or overall look of your vehicle. Even a single accident could create a massive dent in your finances, but having American Family’s auto death indemnity coverage could help ease the burden of costs related to death or injuries.

Read MoneyGeek's American Family Insurance Auto Insurance Review

Best Car Insurance in Indianapolis for Customer Service

These are the best car insurance companies in Indianapolis for customer service after excluding cost in our analysis:

  • Westfield: MoneyGeek score of 68 out of 100 ($807 per year)
  • Auto-Owners Insurance Co: MoneyGeek score of 66 out of 100 ($723 per year)

Most of Westfield’s policyholders are highly satisfied with the overall service that they receive and with how the company processes claims. While other insurers charge higher rates for delivering superior service, Westfield’s policies remain reasonably priced, ranking as the fifth cheapest option in Indianapolis for full coverage.

Westfield

pros

Provides the best customer experience out of 11 insurers

Three out of four of the essential coverages

Offers gap insurance and a coverage package

cons

Limited coverage options

Average claims management

Doesn’t offer deductible modification or original equipment manufacturer (OEM) coverage

COMPANY HIGHLIGHTS

Westfield might seem to have limited options for add-on coverages, but these could already be sufficient for many drivers. If you bundle your auto and home policies, you could get a coverage package that includes loan/lease coverage, trip protection coverage, replacement cost coverage and other benefits all neatly packed into your policy. Westfield also ticks three out of the four essential coverages: rental car and/or travel reimbursement, roadside assistance and gap insurance. Note that rental car coverage is included in the coverage package, which makes it a great value for the money. Whether you’re frequently on the road or just drive occasionally, roadside assistance is a must for worry-free travel. Westfield also offers 24/7 roadside assistance as an add-on to a standard policy. If you have a loan on your car, your Westfield policy’s gap insurance coverage will pay $5,000 from your balance if your car is totaled.

Best Cheap Car Insurance Companies in Indianapolis

After analyzing rates and service quality for a policy that only meets Indiana’s minimum coverage requirements, we found that the best auto insurance companies in Indianapolis are:

  • Auto-Owners Insurance Co: MoneyGeek score of 84 out of 100 ($296 per year)
  • Westfield: MoneyGeek score of 80 out of 100 ($335 per year)

Most drivers will find that a minimum coverage policy is the cheapest option that’s available to them. This type of policy has a serious downside that you need to be aware of before signing up: minimum coverage provides the least amount of protection against liability costs, and it won’t cover damages to your car after an accident.

Auto-Owners and American National

pros

An affordable minimum coverage policy costs around $296 per year

Cheapest for minimum coverage out of 11 insurers

Offers three of the four essential coverages: roadside assistance, rental car reimbursement and gap insurance

cons

Average rating on claims management

No defensive driving or driver’s education discount

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co offers the cheapest minimum coverage policy in Indianapolis with a good selection of optional coverages. It also features an impressively long list of discounts, including ones that are easily available to most insurance buyers. You could maximize your savings through a bundling discount by purchasing your auto policy in addition to a qualified home, life, condo or renter’s insurance policy from Auto-Owners Insurance Co. You’ll also get discounts for being a safe driver and for having safety features in your car, like an anti-lock brake system, airbags or an anti-theft device. Auto-Owners Insurance Co also awards sizable discounts to policyholders who go paperless, pay in full or have paid their premium on time for the last 36 months. If you have a teen driver in the family, having a permanently installed GPS device could help you get more affordable rates by qualifying for a teen driver monitoring discount.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

Average Cost of Car Insurance in Indianapolis

The average cost of car insurance in Indianapolis is $847 per year. This is around $69 more than the average cost of car insurance in Indiana ($778), but is still roughly $418 cheaper than the national average ($1,265).

The sample full coverage policy in our study has $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Although the average premium in Indianapolis tends to be lower than in other cities in the country, location is just one of several key factors that insurers look at when calculating a premium.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.