+120 more*These quotes are from Compare.com users in and around Indianapolis, Indiana within the last 10 days. Updated on October 27, 2026
*These quotes are from Compare.com users in and around Indianapolis, Indiana within the last 10 days. Updated on October 27, 2026
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10+ years writing and editing insurance content
Published in Washington Post, LA Times, and more
Nick leads Compare.com's editorial team in creating helpful, easy-to-understand content about insurance and personal finance.
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25+ years teaching risk management and insurance
Managing director, Brantley Risk & Insurance Center
An Appalachian State Univ. professor, David teaches risk management/insurance. He's appeared in the NY Times, CNN, and more.
Updated
Car insurance in Indianapolis costs an average of $118 per month, according to our research. Indianapolis drivers often face higher rates than the rest of Indiana — even compared to larger cities like Fort Wayne and Evansville. In fact, the Indiana Department of Transportation found that the “Crossroads of America” sees more than 7.5 million miles traveled per year.[1]
But even with these relatively high rates, many companies offer car insurance policies for much cheaper. For example, we found that Auto-Owners, State Farm, and USAA lead the pack with some of Indy’s most affordable coverage.
In this article, we’ll cover the cheapest insurers in Indianapolis for various driver types, how to pick the right company for your situation, and practical tips for saving money on your car insurance.
Auto-Owners offers the lowest average rate in Indy, at $48 per month.
Liability coverage in Indianapolis averages $79 per month, while full coverage costs $156.
Indiana requires all drivers to have liability insurance with minimum limits of 25/50/25, plus uninsured motorist coverage.
Even with higher-than-average rates across the city, several insurance companies offer coverage well below Indianapolis’ citywide average. The table below shows the most affordable insurers in Indianapolis, according to our comprehensive analysis of rates across the city.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $48 |
| State Farm | $52 |
| USAA | $55 |
| First Chicago | $61 |
| GEICO | $61 |
| Progressive | $61 |
| National General | $70 |
| Allstate | $76 |
| Direct Auto | $76 |
| American Family | $77 |
| First Acceptance | $84 |
| Safeco | $84 |
| The General | $84 |
| AssuranceAmerica | $89 |
| Hugo | $90 |
| Root | $91 |
| Trexis | $91 |
| Dairyland | $92 |
| Trexis One | $92 |
| GAINSCO | $94 |
| Travelers | $103 |
| Elephant | $105 |
| Liberty Mutual | $106 |
| Farmers | $107 |
| Mendota | $112 |
| Bristol West | $117 |
| Insurify Car | $140 |
| CSAA | $148 |
| State Auto | $255 |
Auto-Owners stands out with the most affordable average rate, at just $48 per month. That said, it may not necessarily be the cheapest for you since several factors affect how much you pay for coverage.
The following sections break down the cheapest companies by driver type and coverage level to help you find the best rates for your specific situation.
While the companies above provide a solid starting point on your search for cheaper car insurance, your personal rates can differ dramatically based on factors like your age, driving record, and more. That makes it crucial to compare rates from insurers that typically offer good deals for drivers like you.
To get you started, the breakdown below highlights the most affordable companies for different driver backgrounds and coverage types, based on our research.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $48 |
| Full coverage | Auto-Owners | $91 |
| Teens | Auto-Owners | $100 |
| Seniors | Auto-Owners | $38 |
| Drivers with a speeding ticket | Auto-Owners | $66 |
| Drivers with an at-fault accident | Auto-Owners | $67 |
| Drivers with a DUI | Auto-Owners | $70 |
| Drivers with excellent credit | Auto-Owners | $39 |
| Drivers with poor credit | Auto-Owners | $72 |
Policies in Indianapolis start as low as $48 per month.
Indiana requires all drivers to have liability insurance to use public roads. Our data shows that minimum coverage in Indianapolis averages $79 per month, but most insurance experts recommend purchasing more coverage. That’s because the state’s minimum limits may not cover all damages in a serious accident, potentially leaving you responsible for thousands in out-of-pocket costs.[2]
But if you need bare-bones coverage that only meets Indiana’s minimum requirements, we’ve highlighted the five cheapest companies in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $48 |
| State Farm | $52 |
| USAA | $55 |
| First Chicago | $61 |
| GEICO | $61 |
| Progressive | $61 |
| National General | $70 |
| Allstate | $76 |
| Direct Auto | $76 |
| American Family | $77 |
| First Acceptance | $84 |
| Safeco | $84 |
| The General | $84 |
| AssuranceAmerica | $89 |
| Hugo | $90 |
| Root | $91 |
| Trexis | $91 |
| Dairyland | $92 |
| Trexis One | $92 |
| GAINSCO | $94 |
| Travelers | $103 |
| Elephant | $105 |
| Liberty Mutual | $106 |
| Farmers | $107 |
| Mendota | $112 |
| Bristol West | $117 |
| Insurify Car | $140 |
| CSAA | $148 |
| State Auto | $255 |
Most drivers should consider full coverage, which protects their vehicle and provides more complete financial protection after an accident. Full-coverage car insurance typically includes comprehensive and collision insurance in addition to the state’s minimum liability and uninsured motorist requirements.
Lenders and leasing companies require you to purchase full coverage if you finance or lease your vehicle.[3] And even if you own your car outright, it’s worth considering full coverage if you don’t have enough savings to replace your car after an accident.
Full-coverage car insurance in Indianapolis averages $156 per month, according to our data. But even with higher rates, several insurers offer full coverage for close to the average liability price in Indianapolis.
The chart below displays the five cheapest insurers in Indianapolis for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $91 |
| State Farm | $96 |
| USAA | $101 |
| Progressive | $103 |
| GEICO | $114 |
| Safeco | $118 |
| Allstate | $139 |
| American Family | $142 |
| Direct Auto | $146 |
| Root | $148 |
| First Chicago | $156 |
| AssuranceAmerica | $165 |
| National General | $166 |
| Elephant | $171 |
| Liberty Mutual | $183 |
| First Acceptance | $190 |
| Travelers | $190 |
| Farmers | $198 |
| The General | $199 |
| CSAA | $214 |
| Trexis | $217 |
| Bristol West | $222 |
| Mendota | $227 |
| Trexis One | $234 |
| GAINSCO | $244 |
| Dairyland | $287 |
| State Auto | $473 |
Teen drivers face some of the highest insurance rates of any age group because they lack driving experience and statistically cause more accidents than older drivers.[4] Nationwide, our research shows that insurers charge the average teen nearly double what someone 20 or older pays for car insurance.
Teen drivers in Indianapolis pay $237 per month, on average. But it’s still possible to find competitive rates if you’re a teen driver, especially with the five insurers featured in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $100 |
| State Farm | $105 |
| USAA | $105 |
| GEICO | $116 |
| First Chicago | $123 |
| Progressive | $123 |
| National General | $144 |
| Root | $145 |
| American Family | $151 |
| Allstate | $153 |
| Direct Auto | $154 |
| The General | $159 |
| Dairyland | $166 |
| First Acceptance | $169 |
| GAINSCO | $172 |
| Safeco | $179 |
| Hugo | $181 |
| Trexis | $183 |
| Trexis One | $185 |
| AssuranceAmerica | $191 |
| Liberty Mutual | $194 |
| Elephant | $201 |
| Bristol West | $217 |
| Travelers | $221 |
| Farmers | $222 |
| Mendota | $225 |
| Insurify Car | $281 |
| CSAA | $361 |
| State Auto | $623 |
Senior drivers, on the other hand, typically enjoy the cheapest rates of any age group. That’s because they have decades of experience and tend to drive more cautiously than younger people.[5]
We found that the average Indy senior pays around $101 monthly for car insurance. But even with these lower average rates, you can likely find a better deal.
The chart below highlights the five cheapest insurers in Indianapolis for seniors, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $38 |
| State Farm | $41 |
| USAA | $44 |
| GEICO | $48 |
| First Chicago | $52 |
| Progressive | $52 |
| National General | $55 |
| American Family | $61 |
| Direct Auto | $62 |
| Allstate | $65 |
| AssuranceAmerica | $69 |
| The General | $71 |
| First Acceptance | $72 |
| Safeco | $73 |
| Hugo | $77 |
| Dairyland | $77 |
| Trexis | $78 |
| Trexis One | $79 |
| GAINSCO | $80 |
| Travelers | $82 |
| Root | $84 |
| Elephant | $84 |
| Farmers | $84 |
| Liberty Mutual | $87 |
| Mendota | $96 |
| Bristol West | $97 |
| CSAA | $109 |
| Insurify Car | $120 |
| State Auto | $192 |
Getting a ticket will typically increase your rates when your policy renews because insurance companies view tickets as indicators of risky driving behavior.[6] In fact, our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide.
Drivers with a recent ticket in Indianapolis pay an average of $167 per month to insure their cars. Still, several insurers offer significantly lower rates to people with a recent speeding ticket or other moving violation.
If you want to avoid a rate hike the next time your policy renews, check out the five insurers listed in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $66 |
| State Farm | $70 |
| USAA | $75 |
| GEICO | $85 |
| First Chicago | $86 |
| Progressive | $86 |
| National General | $93 |
| Direct Auto | $102 |
| American Family | $105 |
| Allstate | $108 |
| Root | $116 |
| Safeco | $117 |
| First Acceptance | $119 |
| The General | $119 |
| AssuranceAmerica | $120 |
| GAINSCO | $120 |
| Dairyland | $121 |
| Hugo | $127 |
| Trexis | $129 |
| Trexis One | $130 |
| Elephant | $137 |
| Travelers | $141 |
| Liberty Mutual | $143 |
| Farmers | $145 |
| Bristol West | $157 |
| Mendota | $159 |
| Insurify Car | $198 |
| CSAA | $206 |
| State Auto | $357 |
Causing an accident can make your rates jump even more than a ticket. That’s because it signals to insurers that you’re more likely to file a claim in the future. Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.
In Indianapolis specifically, drivers with a recent accident can expect to pay $169 per month for their car insurance, based on our research. But you can often find a better deal with one of the five insurers highlighted in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $67 |
| State Farm | $72 |
| USAA | $77 |
| GEICO | $84 |
| First Chicago | $87 |
| Progressive | $87 |
| National General | $97 |
| Direct Auto | $108 |
| American Family | $108 |
| Allstate | $109 |
| Root | $119 |
| The General | $120 |
| First Acceptance | $120 |
| Safeco | $121 |
| AssuranceAmerica | $123 |
| GAINSCO | $125 |
| Dairyland | $126 |
| Hugo | $129 |
| Trexis | $130 |
| Trexis One | $131 |
| Elephant | $143 |
| Travelers | $145 |
| Liberty Mutual | $147 |
| Farmers | $150 |
| Mendota | $160 |
| Bristol West | $162 |
| Insurify Car | $200 |
| CSAA | $219 |
| State Auto | $364 |
A DUI conviction causes the sharpest increase in car insurance rates of any infraction — 59% nationwide, according to our analysis. We found that the average Indianapolis driver with a DUI conviction pays $176 per month for car insurance.
In addition to these steep rate hikes, getting a DUI can make it difficult to find coverage at all since many insurance companies consider people with DUI convictions too risky. Fortunately, some insurers specialize in high-risk drivers, and many offer relatively affordable rates to people with DUIs.[7]
The chart below shows the five cheapest insurers in Indianapolis for people with DUIs, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $70 |
| State Farm | $76 |
| USAA | $80 |
| GEICO | $90 |
| First Chicago | $91 |
| Progressive | $91 |
| National General | $102 |
| American Family | $108 |
| Direct Auto | $111 |
| Allstate | $113 |
| The General | $119 |
| First Acceptance | $125 |
| AssuranceAmerica | $130 |
| Root | $133 |
| Hugo | $134 |
| Dairyland | $134 |
| Safeco | $135 |
| Trexis | $135 |
| Trexis One | $137 |
| GAINSCO | $137 |
| Travelers | $150 |
| Elephant | $153 |
| Liberty Mutual | $155 |
| Farmers | $156 |
| Mendota | $167 |
| Bristol West | $171 |
| Insurify Car | $208 |
| CSAA | $216 |
| State Auto | $359 |
Some insurance companies check your credit history when calculating your rates because research shows a correlation between credit and the likelihood of filing a claim. Companies use a credit-based insurance score to determine your likelihood of defaulting on your bill or filing claims in the future.[8] While each company calculates this score differently, you can generally expect to pay more if you have a spotty credit history.
Drivers with poor credit in Indianapolis pay an average of $144 per month for car insurance. But not all companies use credit when setting rates, and some offer extremely affordable coverage regardless of your credit history.
If you’re struggling with your credit but still want affordable car insurance, start your search with the five companies below.
Company | Average Monthly Premium |
|---|---|
| USAA | $68 |
| GEICO | $71 |
| Auto-Owners | $72 |
| First Chicago | $74 |
| Progressive | $74 |
| State Farm | $75 |
| National General | $85 |
| American Family | $92 |
| Allstate | $93 |
| Direct Auto | $93 |
| First Acceptance | $102 |
| Safeco | $103 |
| The General | $103 |
| AssuranceAmerica | $109 |
| Hugo | $110 |
| Trexis | $111 |
| Root | $111 |
| Trexis One | $112 |
| Dairyland | $112 |
| GAINSCO | $115 |
| Travelers | $121 |
| Farmers | $124 |
| Liberty Mutual | $125 |
| Elephant | $128 |
| Mendota | $137 |
| Bristol West | $143 |
| Insurify Car | $171 |
| CSAA | $181 |
| State Auto | $316 |
Compare personalized quotes from Indianapolis’ top insurers.
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Indiana, like nearly every state, requires all drivers to have car insurance. If you want to drive legally in the Hoosier State, you’ll need to have at least the following:[9]
$25,000 per person and $50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
Most experts recommend buying coverage above the state’s minimum limits since Indiana’s requirements may not cover all costs in a serious accident. Lenders require comprehensive and collision coverage if you finance or lease your car.
For example, imagine you cause an accident that totals a new SUV worth $45,000 (just below the average new car price in 2025).[10] Indiana’s minimum $25,000 property damage limit would leave you responsible for $20,000 out of pocket. Higher coverage limits protect you from these potentially devastating costs — and they usually cost only a few bucks extra.
Here are answers to some of the most commonly asked questions about car insurance in Indy.
Car insurance in Indianapolis costs $79 per month for liability insurance and $156 for full coverage, according to Compare.com data.
It depends on several factors, including your address, driving history, age, and coverage needs. Compare.com data shows that Indianapolis drivers pay an average of $118 per month for car insurance compared to the national average of $143.
Auto-Owners offers the lowest average liability rates, at just $48 per month, according to Compare.com data.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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