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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|
| $31 | $368 | Trexis | 53 | September 8, 2024 | Indianapolis, IN | 46239 |
| $31 | $374 | Assurance America | 48 | January 24, 2024 | Indianapolis, IN | 46227 |
| $31 | $376 | Trexis | 48 | January 3, 2025 | Indianapolis, IN | 46234 |
| $31 | $376 | Trexis | 48 | January 3, 2025 | Indianapolis, IN | 46234 |
| $32 | $386 | Progressive | 69 | August 5, 2024 | Indianapolis, IN | 46202 |
| $32 | $386 | Progressive | 29 | August 5, 2024 | Indianapolis, IN | 46202 |
| $32 | $388 | Progressive | 63 | January 23, 2025 | Indianapolis, IN | 46203 |
| $32 | $388 | Trexis | 49 | December 17, 2024 | Indianapolis, IN | 46222 |
| $33 | $392 | Progressive | 53 | December 27, 2024 | Indianapolis, IN | 46229 |
| $33 | $394 | Trexis | 42 | November 23, 2024 | Indianapolis, IN | 46217 |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.
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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|
| $32 | $386 | Progressive | 69 | August 5, 2024 | Indianapolis, IN | 46202 |
| $32 | $386 | Progressive | 29 | August 5, 2024 | Indianapolis, IN | 46202 |
| $33 | $398 | Progressive | 29 | August 5, 2024 | Indianapolis, IN | 46202 |
| $33 | $398 | Progressive | 69 | August 5, 2024 | Indianapolis, IN | 46202 |
| $40 | $474 | Progressive | 26 | November 10, 2024 | Indianapolis, IN | 46205 |
| $44 | $526 | Progressive | 60 | January 4, 2025 | Indianapolis, IN | 46268 |
| $44 | $526 | Progressive | 60 | January 16, 2025 | Indianapolis, IN | 46268 |
| $46 | $550 | Progressive | 56 | November 22, 2024 | Indianapolis, IN | 46224 |
| $51 | $608 | Progressive | 34 | September 10, 2024 | Indianapolis, IN | 46231 |
| $53 | $640 | Progressive | 42 | 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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|
| $32 | $386 | Progressive | 29 | Yes | August 5, 2024 | Indianapolis, IN | 46202 |
| $33 | $398 | Progressive | 29 | Yes | August 5, 2024 | Indianapolis, IN | 46202 |
| $35 | $414 | Progressive | 27 | No | January 1, 2025 | Indianapolis, IN | 46227 |
| $37 | $446 | Progressive | 25 | No | December 4, 2024 | Indianapolis, IN | 46256 |
| $37 | $446 | Progressive | 25 | No | December 4, 2024 | Indianapolis, IN | 46256 |
Cheapest car insurance for mature drivers in Indianapolis (30-54 years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|
| $31 | $368 | Trexis | 53 | No | September 8, 2024 | Indianapolis, IN | 46239 |
| $31 | $374 | Assurance America | 48 | No | January 24, 2024 | Indianapolis, IN | 46227 |
| $31 | $376 | Trexis | 48 | No | January 3, 2025 | Indianapolis, IN | 46234 |
| $31 | $376 | Trexis | 48 | No | January 3, 2025 | Indianapolis, IN | 46234 |
| $32 | $388 | Trexis | 49 | No | December 17, 2024 | Indianapolis, IN | 46222 |
Cheapest car insurance for older drivers (55+ years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|
| $32 | $386 | Progressive | 69 | Yes | August 5, 2024 | Indianapolis, IN | 46202 |
| $32 | $388 | Progressive | 63 | No | January 23, 2025 | Indianapolis, IN | 46203 |
| $33 | $398 | Progressive | 69 | Yes | August 5, 2024 | Indianapolis, IN | 46202 |
| $36 | $436 | Trexis | 60 | No | September 30, 2024 | Indianapolis, IN | 46226 |
| $40 | $474 | Trexis | 66 | No | November 16, 2024 | Indianapolis, IN | 46239 |
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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|
| $31 | $374 | Assurance America | 48 | January 24, 2024 | No | Indianapolis, IN | 46227 |
| $32 | $386 | Progressive | 69 | August 5, 2024 | Yes | Indianapolis, IN | 46202 |
| $32 | $386 | Progressive | 29 | August 5, 2024 | Yes | Indianapolis, IN | 46202 |
| $33 | $394 | Trexis | 42 | November 23, 2024 | No | Indianapolis, IN | 46217 |
| $33 | $394 | Trexis | 42 | November 23, 2024 | No | Indianapolis, IN | 46217 |
| $33 | $394 | Trexis | 42 | November 23, 2024 | No | Indianapolis, IN | 46217 |
| $33 | $398 | Progressive | 69 | August 5, 2024 | Yes | Indianapolis, IN | 46202 |
| $33 | $398 | Progressive | 29 | August 5, 2024 | Yes | Indianapolis, IN | 46202 |
| $35 | $414 | Progressive | 27 | January 1, 2025 | No | Indianapolis, IN | 46227 |
| $37 | $446 | Progressive | 25 | December 4, 2024 | No | Indianapolis, IN | 46256 |
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
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|
| <550 | $33 | $392 | Progressive | 53 | December 27, 2024 | Indianapolis, IN | 46229 |
| <550 | $33 | $394 | Trexis | 42 | November 23, 2024 | Indianapolis, IN | 46217 |
| <550 | $33 | $394 | Trexis | 42 | November 23, 2024 | Indianapolis, IN | 46217 |
| <550 | $33 | $394 | Trexis | 42 | November 23, 2024 | Indianapolis, IN | 46217 |
| <550 | $37 | $446 | Trexis | 47 | November 16, 2024 | Indianapolis, IN | 46222 |
Cheapest car insurance for drivers with at-fault accidents in Indianapolis
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $31 | $376 | Trexis | 48 | No | January 3, 2025 | Indianapolis, IN | 46234 |
| At Fault With No Injury | $31 | $376 | Trexis | 48 | No | January 3, 2025 | Indianapolis, IN | 46234 |
| At Fault With No Injury | $32 | $388 | Trexis | 49 | No | December 17, 2024 | Indianapolis, IN | 46222 |
| At Fault With No Injury | $33 | $392 | Progressive | 53 | No | December 27, 2024 | Indianapolis, IN | 46229 |
| At Fault With No Injury | $33 | $394 | Trexis | 48 | No | January 3, 2025 | Indianapolis, IN | 46234 |
Cheapest car insurance for drivers with speeding tickets in Indianapolis
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $47 | $564 | Progressive | 29 | November 21, 2024 | Indianapolis, IN | 46220 |
| Speeding under 15 | $54 | $646 | Safeco | 34 | July 21, 2024 | Indianapolis, IN | 46201 |
| Speeding over 15 | $54 | $648 | National General | 74 | December 5, 2024 | Indianapolis, IN | 46224 |
| Speeding over 15 | $55 | $656 | Electric | 74 | December 5, 2024 | Indianapolis, IN | 46224 |
| Speeding under 15 | $56 | $671 | Safeco | 34 | July 21, 2024 | Indianapolis, IN | 46201 |
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 | $93 | $1,120 | Trexis | 53 | December 25, 2024 | Indianapolis, IN | 46202 |
| DUI | $121 | $1,450 | Electric | 53 | December 25, 2024 | Indianapolis, IN | 46202 |
| DUI | $129 | $1,552 | Assurance America | 31 | February 3, 2024 | Indianapolis, IN | 46203 |
| DUI | $132 | $1,582 | Progressive | 57 | July 19, 2024 | Indianapolis, IN | 46203 |
| DUI | $135 | $1,624 | Assurance America | 50 | May 12, 2024 | Indianapolis, IN | 46220 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.
