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.
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 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.
Cheapest minimum coverage insurance in Indianapolis
Indiana requires drivers to carry the following minimum insurance:
- $25,000 for bodily injury per person.
- $50,000 per accident for all injuries.
- $25,000 for property damage.
Here are cheapest 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 | Assurance America | 42 | May 1, 2025 | Indianapolis, IN | 46201 |
| $34 | $410 | National General | 71 | May 8, 2025 | Indianapolis, IN | 46218 |
| $35 | $414 | Progressive | 27 | January 1, 2025 | Indianapolis, IN | 46227 |
| $37 | $442 | Progressive | 42 | February 11, 2025 | Indianapolis, IN | 46205 |
| $38 | $452 | Progressive | 35 | January 7, 2025 | Indianapolis, IN | 46202 |
| $39 | $472 | Progressive | 38 | October 21, 2024 | Indianapolis, IN | 46227 |
If you have a loan or lease on your vehicle, the lender will require
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 |
| $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 |
| $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 |
| $53 | $634 | Progressive | 28 | April 1, 2025 | Indianapolis, IN | 46250 |
| $53 | $640 | Progressive | 43 | July 31, 2024 | 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 |
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 |
| $44 | $526 | Progressive | 60 | Yes | January 16, 2025 | Indianapolis, IN | 46268 |
| $45 | $538 | Assurance America | 57 | No | December 8, 2023 | Indianapolis, IN | 46222 |
| $45 | $542 | Progressive | 63 | No | February 13, 2025 | Indianapolis, IN | 46203 |
| $45 | $542 | Electric | 68 | No | March 24, 2025 | Indianapolis, IN | 46218 |
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 |
| $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 |
| $42 | $504 | Progressive | 35 | November 21, 2024 | No | Indianapolis, IN | 46226 |
| $42 | $508 | Assurance America | 38 | May 10, 2024 | No | Indianapolis, IN | 46229 |
| $42 | $508 | National General | 43 | January 26, 2025 | No | Indianapolis, IN | 46224 |
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 | $43 | $512 | Progressive | 29 | No | January 5, 2025 | Indianapolis, IN | 46240 |
| At Fault With No Injury | $52 | $623 | Safeco | 31 | No | December 23, 2023 | Indianapolis, IN | 46202 |
| At Fault With No Injury | $53 | $636 | National General | 64 | No | March 10, 2025 | Indianapolis, IN | 46235 |
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 | $65 | $784 | Electric | 35 | January 5, 2025 | Indianapolis, IN | 46225 |
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 |
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 and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
