Cheap Car Insurance in Indianapolis (2025)

Written by Xuyun Zeng and 1 other
Updated Jul 18, 2025
Insurance price card

Cheap Car Insurance in Indianapolis (2025)

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

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
$32 $388 Progressive 63 January 23, 2025 Indianapolis, IN 46203
$34 $408 Progressive 53 June 11, 2025 Indianapolis, IN 46224
$36 $436 Trexis 61 September 30, 2024 Indianapolis, IN 46226
$37 $442 Progressive 42 February 11, 2025 Indianapolis, IN 46205
$37 $446 Trexis 48 November 16, 2024 Indianapolis, IN 46222
$38 $452 Progressive 35 January 7, 2025 Indianapolis, IN 46202
$40 $474 Assurance America 56 June 17, 2025 Indianapolis, IN 46241
$42 $504 Progressive 35 November 21, 2024 Indianapolis, IN 46226
$42 $508 Progressive 31 March 25, 2025 Indianapolis, IN 46208
$44 $522 Progressive 43 December 16, 2024 Indianapolis, IN 46239
Last Updated Jul 17, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

SIMPLIFY YOUR CAR INSURANCE IN MINUTES WITH JERRY

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
$44 $522 Progressive 43 December 16, 2024 Indianapolis, IN 46239
$49 $590 Clearcover 29 July 15, 2025 Indianapolis, IN 46220
$50 $604 Progressive 36 April 13, 2024 Indianapolis, IN 46218
$53 $640 Progressive 54 June 28, 2025 Indianapolis, IN 46241
$53 $640 Progressive 43 July 31, 2024 Indianapolis, IN 46268
$53 $641 Trexis 38 May 15, 2025 Indianapolis, IN 46222
$56 $666 Progressive 46 October 2, 2024 Indianapolis, IN 46268
$61 $730 Progressive 34 March 19, 2025 Indianapolis, IN 46240
$63 $752 Progressive 36 September 21, 2024 Indianapolis, IN 46240
$63 $756 Progressive 42 April 29, 2025 Indianapolis, IN 46239
Last Updated Jul 17, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
$–
COMPARE QUOTES
Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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
$49 $584 Electric 26 No December 30, 2024 Indianapolis, IN 46231
$49 $590 Clearcover 29 Yes July 15, 2025 Indianapolis, IN 46220
$50 $602 Trexis 29 No December 28, 2024 Indianapolis, IN 46256
$53 $634 National General 28 No September 23, 2024 Indianapolis, IN 46259
$55 $664 Progressive 27 No November 6, 2024 Indianapolis, IN 46208
Last Updated Jul 18, 2025

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
$34 $408 Progressive 53 No June 11, 2025 Indianapolis, IN 46224
$37 $442 Progressive 42 No February 11, 2025 Indianapolis, IN 46205
$37 $446 Trexis 48 No November 16, 2024 Indianapolis, IN 46222
$38 $452 Progressive 35 No January 7, 2025 Indianapolis, IN 46202
$42 $504 Progressive 35 No November 21, 2024 Indianapolis, IN 46226
Last Updated Jul 17, 2025

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
$32 $388 Progressive 63 No January 23, 2025 Indianapolis, IN 46203
$36 $436 Trexis 61 No September 30, 2024 Indianapolis, IN 46226
$40 $474 Assurance America 56 No June 17, 2025 Indianapolis, IN 46241
$45 $542 Electric 68 No March 24, 2025 Indianapolis, IN 46218
$49 $592 Trexis 67 No November 16, 2024 Indianapolis, IN 46239
Last Updated Jul 17, 2025

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
$34 $408 Progressive 53 June 11, 2025 No Indianapolis, IN 46224
$37 $442 Progressive 42 February 11, 2025 No Indianapolis, IN 46205
$38 $452 Progressive 35 January 7, 2025 No Indianapolis, IN 46202
$42 $504 Progressive 35 November 21, 2024 No Indianapolis, IN 46226
$42 $508 Progressive 31 March 25, 2025 No Indianapolis, IN 46208
$44 $522 Progressive 43 December 16, 2024 Yes Indianapolis, IN 46239
$45 $542 Electric 68 March 24, 2025 No Indianapolis, IN 46218
$48 $575 Trexis 48 April 12, 2025 No Indianapolis, IN 46234
$48 $577 Trexis 42 May 1, 2025 No Indianapolis, IN 46201
$49 $590 Clearcover 29 July 15, 2025 Yes Indianapolis, IN 46220
Last Updated Jul 18, 2025

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 $37 $446 Trexis 48 November 16, 2024 Indianapolis, IN 46222
<550 $42 $504 Progressive 35 November 21, 2024 Indianapolis, IN 46226
<550 $48 $575 Trexis 48 April 12, 2025 Indianapolis, IN 46234
<550 $50 $600 Trexis 46 February 20, 2025 Indianapolis, IN 46241
<550 $50 $602 Trexis 29 December 28, 2024 Indianapolis, IN 46256
Last Updated Jul 18, 2025

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 $40 $474 Assurance America 56 No June 17, 2025 Indianapolis, IN 46241
At Fault With No Injury $49 $584 Electric 26 No December 30, 2024 Indianapolis, IN 46231
At Fault With No Injury $52 $620 Assurance America 54 No December 27, 2024 Indianapolis, IN 46229
At Fault With No Injury $53 $641 Trexis 38 Yes May 15, 2025 Indianapolis, IN 46222
At Fault With No Injury $57 $683 Trexis 30 No May 29, 2025 Indianapolis, IN 46260
Last Updated Jul 17, 2025

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 $60 $724 Safeco 75 December 5, 2024 Indianapolis, IN 46224
Speeding over 15 $65 $776 Progressive 30 July 3, 2025 Indianapolis, IN 46259
Speeding over 15 $71 $857 Trexis 35 June 6, 2025 Indianapolis, IN 46225
Speeding over 15 $73 $874 Assurance America 38 June 19, 2024 Indianapolis, IN 46260
Speeding over 15 $78 $930 Trexis 23 September 21, 2024 Indianapolis, IN 46222
Last Updated Jul 17, 2025

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 $100 $1,202 Progressive 35 May 6, 2025 Indianapolis, IN 46222
Last Updated Jul 19, 2025

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.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.