Getting around Indianapolis means dealing with busy highways like Interstate 465 and unpredictable weather, from icy roads in winter to heavy storms in summer. Big events like the Indy 500 and Colts games can add to the traffic — and the risk of a car accident.
Indianapolis drivers won’t likely pay the same rates as those in more urban areas, but it’s still wise to comparison shop to find the best car insurance policy for you at the lowest rate.
We’ve gathered car insurance quote data from Indianapolis Jerry customers to show you how your age, location within the city, driving record and preferred coverage can affect your rate.
More: Best car insurance in Indiana
Cheapest minimum coverage insurance in Indianapolis
Indiana requires drivers to carry the following minimum insurance:
- $25,000 in bodily injury liability per person injured in an accident.
- $50,000 for two or more people injured in one accident.
- $25,000 for damage to other peoples’ property.
New policies also include uninsured and underinsured motorist coverage, but drivers can reject this in writing. These are the minimum limits:
- $25,000 for uninsured motorist bodily injury coverage to one person, and $50,000 to two or more people in an accident
- $25,000 towards property damage
- $50,000 for underinsured motorist bodily injury coverage.
Here are cheapest car insurance quotes for minimum coverage in Indianapolis that Jerry customers have received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $31 | $368 | Progressive | 34 | March 19, 2025 | Indianapolis, IN | 46240 |
| $32 | $386 | Progressive | 30 | August 5, 2024 | Indianapolis, IN | 46202 |
| $33 | $392 | Progressive | 54 | December 27, 2024 | Indianapolis, IN | 46229 |
| $33 | $394 | Trexis | 48 | January 3, 2025 | Indianapolis, IN | 46234 |
| $34 | $410 | National General | 71 | May 8, 2025 | Indianapolis, IN | 46218 |
| $34 | $410 | Assurance America | 42 | May 1, 2025 | Indianapolis, IN | 46201 |
| $35 | $414 | Progressive | 27 | January 1, 2025 | Indianapolis, IN | 46227 |
| $35 | $423 | Trexis | 48 | June 19, 2025 | Indianapolis, IN | 46218 |
| $37 | $442 | Progressive | 42 | February 11, 2025 | Indianapolis, IN | 46205 |
| $38 | $452 | Progressive | 35 | January 7, 2025 | Indianapolis, IN | 46202 |
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Indiana
Cheapest full coverage insurance in Indianapolis
Full coverage provides more protection than the state’s minimum required insurance. This coverage includes collision insurance, which pays to repair your car after an accident, regardless of who is at fault, and comprehensive insurance, which kicks in if your car is damaged in a collision with an animal or by hazardous weather.
These are the cheapest quotes that Indianapolis drivers have received for full coverage via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $31 | $368 | Progressive | 34 | March 19, 2025 | Indianapolis, IN | 46240 |
| $32 | $386 | Progressive | 30 | August 5, 2024 | Indianapolis, IN | 46202 |
| $41 | $496 | Progressive | 53 | June 11, 2025 | Indianapolis, IN | 46224 |
| $44 | $526 | Progressive | 60 | January 16, 2025 | Indianapolis, IN | 46268 |
| $46 | $550 | Progressive | 57 | November 22, 2024 | Indianapolis, IN | 46224 |
| $48 | $576 | Progressive | 50 | April 21, 2025 | Indianapolis, IN | 46201 |
| $48 | $580 | Progressive | 45 | June 14, 2025 | Indianapolis, IN | 46226 |
| $50 | $604 | Progressive | 36 | April 13, 2024 | Indianapolis, IN | 46218 |
| $51 | $608 | Progressive | 35 | September 10, 2024 | Indianapolis, IN | 46231 |
| $53 | $630 | Assurance America | 45 | May 6, 2025 | Indianapolis, IN | 46268 |
Cheapest car insurance for young drivers in Indianapolis (18-29 years old)
Here are the cheapest quotes that Indianapolis drivers between 18 and 29 years old have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $35 | $414 | Progressive | 27 | No | January 1, 2025 | Indianapolis, IN | 46227 |
| $43 | $512 | Progressive | 29 | No | January 5, 2025 | Indianapolis, IN | 46240 |
| $48 | $574 | National General | 26 | No | December 5, 2024 | Indianapolis, IN | 46256 |
| $50 | $602 | Trexis | 29 | No | December 28, 2024 | Indianapolis, IN | 46256 |
| $52 | $620 | Progressive | 28 | No | March 21, 2025 | Indianapolis, IN | 46202 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Indianapolis (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $31 | $368 | Progressive | 34 | Yes | March 19, 2025 | Indianapolis, IN | 46240 |
| $32 | $386 | Progressive | 30 | Yes | August 5, 2024 | Indianapolis, IN | 46202 |
| $33 | $392 | Progressive | 54 | No | December 27, 2024 | Indianapolis, IN | 46229 |
| $33 | $394 | Trexis | 48 | No | January 3, 2025 | Indianapolis, IN | 46234 |
| $34 | $410 | Assurance America | 42 | No | May 1, 2025 | Indianapolis, IN | 46201 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $34 | $410 | National General | 71 | No | May 8, 2025 | Indianapolis, IN | 46218 |
| $38 | $455 | Trexis | 56 | No | June 17, 2025 | Indianapolis, IN | 46241 |
| $44 | $526 | Progressive | 60 | Yes | January 16, 2025 | Indianapolis, IN | 46268 |
| $45 | $542 | Electric | 68 | No | March 24, 2025 | Indianapolis, IN | 46218 |
| $45 | $542 | Progressive | 63 | No | February 13, 2025 | Indianapolis, IN | 46203 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Indianapolis
A driving record with no claims or violations can help ensure that you get the best possible rate on your car insurance. Here are the cheapest rates that Indianapolis drivers with clean records have been quoted via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $31 | $368 | Progressive | 34 | March 19, 2025 | Yes | Indianapolis, IN | 46240 |
| $32 | $386 | Progressive | 30 | August 5, 2024 | Yes | Indianapolis, IN | 46202 |
| $34 | $410 | Assurance America | 42 | May 1, 2025 | No | Indianapolis, IN | 46201 |
| $35 | $414 | Progressive | 27 | January 1, 2025 | No | Indianapolis, IN | 46227 |
| $35 | $423 | Trexis | 48 | June 19, 2025 | No | Indianapolis, IN | 46218 |
| $37 | $442 | Progressive | 42 | February 11, 2025 | No | Indianapolis, IN | 46205 |
| $38 | $452 | Progressive | 35 | January 7, 2025 | No | Indianapolis, IN | 46202 |
| $39 | $472 | Progressive | 38 | October 21, 2024 | No | Indianapolis, IN | 46227 |
| $41 | $496 | Progressive | 53 | June 11, 2025 | Yes | Indianapolis, IN | 46224 |
| $42 | $504 | Progressive | 35 | November 21, 2024 | No | Indianapolis, IN | 46226 |
Cheapest car insurance for drivers with low credit scores in Indianapolis
Insurers may charge higher premiums to drivers with credit scores below 550, meaning you may have to shop around to find a low-cost policy. These are the cheapest quotes that Indianapolis drivers with low scores have received via Jerry.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $33 | $392 | Progressive | 54 | December 27, 2024 | Indianapolis, IN | 46229 |
| <550 | $42 | $504 | Progressive | 35 | November 21, 2024 | Indianapolis, IN | 46226 |
| <550 | $45 | $534 | Trexis | 48 | November 16, 2024 | Indianapolis, IN | 46222 |
| <550 | $48 | $576 | Progressive | 50 | April 21, 2025 | Indianapolis, IN | 46201 |
| <550 | $50 | $600 | Trexis | 46 | February 20, 2025 | Indianapolis, IN | 46241 |
Cheapest car insurance for drivers with at-fault accidents in Indianapolis
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $33 | $392 | Progressive | 54 | No | December 27, 2024 | Indianapolis, IN | 46229 |
| At Fault With No Injury | $33 | $394 | Trexis | 48 | No | January 3, 2025 | Indianapolis, IN | 46234 |
| At Fault With No Injury | $38 | $455 | Trexis | 56 | No | June 17, 2025 | Indianapolis, IN | 46241 |
| At Fault With No Injury | $43 | $512 | Progressive | 29 | No | January 5, 2025 | Indianapolis, IN | 46240 |
| At Fault With No Injury | $53 | $636 | National General | 64 | No | March 10, 2025 | Indianapolis, IN | 46235 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Indianapolis
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $51 | $616 | Assurance America | 33 | June 2, 2025 | Indianapolis, IN | 46220 |
| Speeding over 15 | $53 | $634 | Progressive | 28 | April 1, 2025 | Indianapolis, IN | 46250 |
| Speeding under 15 | $54 | $646 | Safeco | 35 | July 21, 2024 | Indianapolis, IN | 46201 |
| Speeding over 15 | $55 | $656 | Electric | 75 | December 5, 2024 | Indianapolis, IN | 46224 |
| Speeding over 15 | $68 | $818 | Progressive | 34 | January 31, 2025 | Indianapolis, IN | 46240 |
Cheapest car insurance for drivers with DUIs in Indianapolis
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $65 | $780 | Progressive | 35 | May 4, 2025 | Indianapolis, IN | 46222 |
| DUI | $83 | $994 | Progressive | 24 | February 20, 2025 | Indianapolis, IN | 46237 |
| DUI | $90 | $1,078 | National General | 24 | February 20, 2025 | Indianapolis, IN | 46237 |
| DUI | $93 | $1,120 | Trexis | 54 | December 25, 2024 | Indianapolis, IN | 46202 |
| DUI | $98 | $1,180 | Progressive | 30 | May 16, 2025 | Indianapolis, IN | 46220 |
More: DWI vs. DUI: What’s the difference?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
