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.
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $35 | $414 | 65 | 07/29/25 | 46237 | ||
| $36 | $432 | 40 | 07/21/25 | 46205 | ||
| $46 | $548 | 43 | 11/12/25 | 46254 | ||
| $49 | $584 | 64 | 08/25/25 | 46259 | ||
| $55 | $656 | 42 | 09/08/25 | 46235 | ||
| $56 | $670 | 65 | 10/01/25 | 46220 | ||
| $56 | $674 | 52 | 10/03/25 | 46227 | ||
| $57 | $678 | 80 | 11/03/25 | 46259 | ||
| $57 | $678 | 42 | 06/21/25 | 46241 | ||
| $60 | $722 | 31 | 09/03/25 | 46203 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $25 | $294 | 29 | No | 05/29/25 | 46239 | ||
| $28 | $338 | 25 | No | 11/14/25 | 46222 | ||
| $31 | $376 | 28 | No | 10/06/25 | 46221 | ||
| $34 | $404 | 23 | No | 09/12/25 | 46224 | ||
| $50 | $598 | 28 | No | 07/16/25 | 46217 | ||
| $56 | $670 | 65 | 10/01/25 | 46220 | |||
| $56 | $674 | 52 | 10/03/25 | 46227 | |||
| $57 | $678 | 80 | 11/03/25 | 46259 | |||
| $57 | $678 | 42 | 06/21/25 | 46241 | |||
| $60 | $722 | 31 | 09/03/25 | 46203 |
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $27 | $322 | 43 | No | 06/23/25 | 46239 | ||
| $28 | $332 | 31 | No | 08/01/25 | 46217 | ||
| $31 | $376 | 42 | No | 06/20/25 | 46225 | ||
| $33 | $392 | 44 | No | 09/22/25 | 46224 | ||
| $33 | $396 | 45 | No | 06/25/25 | 46222 | ||
| $56 | $670 | 65 | 10/01/25 | 46220 | |||
| $56 | $674 | 52 | 10/03/25 | 46227 | |||
| $57 | $678 | 80 | 11/03/25 | 46259 | |||
| $57 | $678 | 42 | 06/21/25 | 46241 | |||
| $60 | $722 | 31 | 09/03/25 | 46203 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $35 | $414 | 65 | Yes | 07/29/25 | 46237 | ||
| $35 | $424 | 56 | No | 07/25/25 | 46235 | ||
| $36 | $434 | 60 | No | 08/12/25 | 46203 | ||
| $37 | $446 | 56 | No | 07/25/25 | 46208 | ||
| $38 | $450 | 59 | No | 08/17/25 | 46236 | ||
| $56 | $670 | 65 | 10/01/25 | 46220 | |||
| $56 | $674 | 52 | 10/03/25 | 46227 | |||
| $57 | $678 | 80 | 11/03/25 | 46259 | |||
| $57 | $678 | 42 | 06/21/25 | 46241 | |||
| $60 | $722 | 31 | 09/03/25 | 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 Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $26 | $310 | 39 | 11/13/25 | No | 46218 | ||
| $27 | $326 | 49 | 11/20/25 | No | 46254 | ||
| $28 | $340 | 65 | 07/21/25 | No | 46208 | ||
| $31 | $374 | 55 | 11/12/25 | No | 46235 | ||
| $32 | $378 | 41 | 06/19/25 | No | 46240 | ||
| $32 | $384 | 61 | 10/04/25 | No | 46241 | ||
| $33 | $394 | 46 | 06/05/25 | No | 46214 | ||
| $34 | $406 | 23 | 11/04/25 | No | 46259 | ||
| $35 | $414 | 29 | 11/12/25 | No | 46235 | ||
| $36 | $428 | 52 | 09/27/25 | No | 46227 |
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
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $34 | $410 | 42 | 10/10/25 | 46221 | ||
| <550 | $37 | $446 | 47 | 11/16/24 | 46222 | ||
| <550 | $42 | $500 | 45 | 10/29/25 | 46221 | ||
| <550 | $42 | $504 | 56 | 07/12/25 | 46268 | ||
| <550 | $42 | $504 | 34 | 11/21/24 | 46226 | ||
| $32 | $384 | 61 | 46241 | ||||
| $33 | $394 | 46 | 46214 | ||||
| $34 | $406 | 23 | 46259 | ||||
| $35 | $414 | 29 | 46235 | ||||
| $36 | $428 | 52 | 46227 |
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 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 | $34 | $402 | 53 | No | 02/20/25 | 46217 | ||
| At Fault With No Injury | $35 | $420 | 48 | No | 01/03/25 | 46234 | ||
| At Fault With No Injury | $37 | $440 | 48 | No | 07/20/25 | 46201 | ||
| At Fault With No Injury | $38 | $455 | 56 | No | 06/17/25 | 46241 | ||
| At Fault With No Injury | $38 | $461 | 30 | No | 10/05/25 | 46260 | ||
| $32 | $384 | 61 | No | 46241 | ||||
| $33 | $394 | 46 | No | 46214 | ||||
| $34 | $406 | 23 | No | 46259 | ||||
| $35 | $414 | 29 | No | 46235 | ||||
| $36 | $428 | 52 | No | 46227 |
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $41 | $490 | 47 | 10/17/25 | 46224 | ||
| Speeding over 15 | $41 | $496 | 33 | 11/10/25 | 46202 | ||
| Speeding under 15 | $54 | $646 | 31 | 07/01/25 | 46214 | ||
| Speeding under 15 | $60 | $721 | 29 | 09/16/25 | 46241 | ||
| Speeding over 15 | $60 | $724 | 38 | 10/29/25 | 46203 | ||
| $32 | $384 | 61 | 10/04/25 | 46241 | |||
| $33 | $394 | 46 | 06/05/25 | 46214 | |||
| $34 | $406 | 23 | 11/04/25 | 46259 | |||
| $35 | $414 | 29 | 11/12/25 | 46235 | |||
| $36 | $428 | 52 | 09/27/25 | 46227 |
Cheapest car insurance for drivers with DUIs in Indianapolis
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $28 | $336 | 45 | 09/15/25 | 46222 | ||
| DUI | $44 | $522 | 30 | 09/10/25 | 46260 | ||
| DUI | $52 | $625 | 45 | 09/15/25 | 46222 | ||
| DUI | $52 | $626 | 45 | 09/22/25 | 46219 | ||
| DUI | $57 | $685 | 45 | 09/22/25 | 46219 | ||
| 61 | 10/04/25 | 46241 | |||||
| 46 | 06/05/25 | 46214 | |||||
| 23 | 11/04/25 | 46259 | |||||
| 29 | 11/12/25 | 46235 | |||||
| 52 | 09/27/25 | 46227 |
More: DWI vs. DUI: What’s the difference?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from 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.
