best car policy Indianapolis
2022
The Cheapest and Best Car Insurance in Indianapolis
The Cheapest Car Insurance Companies in Indianapolis
A broad coverage car indemnity policy provides higher limits than liability coverage but besides costs more. On average, the two indemnity companies with the lowest wide coverage car indemnity costs in Indianapolis are :
- Erie: $577 per year
- GEICO: $592 per year
Allstate has the highest rates for full moon coverage car insurance in Indianapolis, at $ 968 per calendar month. That means if you purchase your policy from the company, you will pay around $ 391 more than Erie policyholders. It is important to note that these are average rates, and your actual premiums might be higher or lower based on your driving history and the coverage amount .
Cheapest Car Insurance in Indianapolis
Full Coverage 100/300/100
- party 100/300/100
per year
- 1 .Erie
$577
- 2 .GEICO
$592
- 3 .Progressive
$658
- 4 .State Farm
$680
- 5 .American Family
$822
- 6 .Farmers
$849
- 7. United Farm Bureau of IN Group
$922
- 8 .Allstate
$968
MoneyGeek obtained the rates for this discipline using a 40-year-old male driver whose full coverage cable car insurance policy meets the limits outlined in our methodology. Drivers with liability coverage normally pay less than those with full coverage car insurance. That ’ sulfur because full coverage car insurance comes with two extra types of coverage, which include :
- Comprehensive Insurance: Includes coverage for damages not caused in an accident, such as vandalism and theft.
- Collision Insurance: Covers damages resulting from an at-fault accident or if you run through stationary objects.
For drivers with old vehicles, indebtedness indemnity or the express minimum car indemnity may be the best since it ‘s cheaper, particularly since getting a full coverage policy could be more expensive than the value of the car .
Compare Car Insurance Rates in Indianapolis
see you ‘re getting the best rate for your car indemnity. Compare quotes from the top policy companies. widget-location-pin
Cheapest Car Insurance in Indianapolis for Minimum Coverage
The cheapest car insurance in Indianapolis is the minimal state coverage. While it costs less, it does not provide adequate coverage and you may not be amply covered in character of an accident. This means you could pay more out of pocket if you are involved in an at-fault accident. On average, the cheapest state minimal coverage in the city comes from :
- Erie: $306 per year
- GEICO: $306 per year
Allstate has the highest rates in the express, charging roughly double what Erie and GEICO policyholders pay. person costs for the minimum indebtedness only car insurance can differ depending on diverse factors. You can use the postpone below to compare rates across different coverage limits .
Cheapest Minimum Liability Car Insurance in Indianapolis
submit Minimum
- company State Minimum
per year
- 1 .Erie
$306
- 2 .GEICO
$306
- 3 .State Farm
$342
- 4 .Progressive
$357
- 5. United Farm Bureau of IN Group
$425
- 6 .Farmers
$481
- 7 .American Family
$544
- 8 .Allstate
$628
Liability only car indemnity in Indianapolis lone meets Indiana ’ mho country minimum cable car indemnity requirements, including $ 25,000 in bodily injury coverage per person improving to $ 50,000 per accident and $ 25,000 for place damage. It is besides the cheapest in the city, although you may need to pay out of pocket if you get involved in an accident. For exemplify, if the property damage monetary value in an accident is more than $ 25,000, you will pay the extra measure yourself .
Indiana Minimum Liability Requirements
- detail description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for place price. A more protective level is 100/300/100 .
Cheapest Car Insurance in Indianapolis if You Have Driving Violations
Your drive phonograph record determines how much you pay for car indemnity in Indianapolis. Severe dealings violations such as speeding tickets and DUIs cause your rates to increase well. The more your drive phonograph record improves, the lower your car indemnity rates will be. Based on MoneyGeek ’ s research, the most low-cost car indemnity providers in the city for drivers with traffic violations are, on average :
- Cheapest after a ticket: Erie, at $624 per year
- Cheapest after an at-fault accident: Erie, at $781 per year
- Cheapest after a DUI: American Family, at $861 per year
If you have a inadequate drive commemorate, you can still get cheaper car insurance in Indianapolis by shopping around .
Cheapest Car Insurance in Indianapolis With a Violation
Speeding ticket
- company Speeding Ticket
per year
- 1 .Erie
$624
- 2 .State Farm
$737
- 3 .GEICO
$848
- 4 .American Family
$861
- 5 .Progressive
$1,102
- 6 .Farmers
$1,133
- 7 .Allstate
$1,214
- 8. United Farm Bureau of IN Group
$1,272
Average Cost of Car Insurance in Indianapolis
Indianapolis
$759
Indiana
$725
U.S.
$1,424
The average car insurance rate in Indianapolis is $ 759 a class, which is a little bit more expensive than the annual state average of $ 725. Indianapolis ’ rate is still merely over half adenine dearly-won as the average national car policy premium of $ 1,424 per year.
Personalized Quotes to Get You the Cheapest Car Insurance in Indianapolis
To ensure that you get the best car policy in Indianapolis, make certain that you compare personalized car indemnity quotes. The rate you get from insurance companies depends on your singular circumstances. indemnity companies examine your age, where you live, what type of car you drive, your driving history and more to assess your risk tied. The hazardous you are to insure, the higher your premiums will be .
Compare Car Insurance Rates in Indianapolis
see you ‘re getting the best pace for your car indemnity. Compare quotes from the top indemnity companies. widget-location-pin
The Best Car Insurance Companies in Indianapolis
The best car policy providers in Indianapolis combine affordability with timbre overhaul. MoneyGeek ranked the companies using factors such as J.D. Power ’ s user satisfaction, affordability data and fiscal constancy scores. According to our ratings, the best car insurance companies in the city overall are :
- Erie: MoneyGeek score of 95 out of 100
- United Farm Bureau of Indiana Group: MoneyGeek score of 93 out of 100
Although USAA had the highest score of 100 out of 100, its policies are merely available to military members and their families .
1
USAA
grudge :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2
Erie
score :
95
5/5 Affordability 4/5 Claims Ratings 5/5 User Satisfaction A+ fiscal stability 3
United Farm Bureau of IN Group
sexual conquest :
92.5
5/5 Affordability 4/5 Claims Ratings 5/5 User Satisfaction A fiscal stability 4
Hartford
score :
87.5
3/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 5
Auto-Owners Insurance Co
mark :
87.5
3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 6
GEICO
score :
87.5
5/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 7
Cincinnati Insurance Companies
grudge :
87.5
3/5 Affordability 5/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8
Country Financial
grudge :
85
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 9
State Farm
score :
85
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 10
Nationwide
score :
82.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 11
Esurance
score :
82.5
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 12
Grange
score :
80
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 13
Progressive
score :
80
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 14
Allstate
score :
80
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 15
American Family
sexual conquest :
80
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 16
Travelers
sexual conquest :
80
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal constancy 17
MetLife
mark :
80
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 18
Farmers
score :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 19
Hanover
score :
75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 20
Liberty Mutual
grade :
75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 21
AAA
score :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 22
Safeco
sexual conquest :
72.5
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability
Average Cost of Car Insurance by Postal Code
The ZIP code you live in besides makes a difference in the cost of your car policy. In Indianapolis, the most expensive ZIP code for car policy is 46226, where you have to pay an average of $ 774 in annual premiums. If you live in 46237, you ’ ll have to pay an average of $ 729 a class, which is the cheapest rate in the city based on ZIP code. The deviation lies in the gamble factors in your area, such as the phone number of accidents, larceny cases and uninsured motorists .
- Zip Code State Minimum
per year
- 46237
$729
- 46227
$760
- 46254
$763
- 46203
$768
- 46226
$774
Factors That Impact Insurance Costs in Indianapolis
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of black accidents besides contribute to car policy rates in Indianapolis. How indianapolis ranks compared to the 300 most populous cities in the United States can have a meaning affect on premium costs .
Most Accidents With Fatalities
57th
/ 300
Most car Thefts
198th
/ 300
Most uninsured Motorists by State
8th
/ 50
personal Injury Protection Required No
Most annual rain
107th
/ 300
Most showery Days
48th
/ 300
Methodology and Assumptions
MoneyGeek ’ second average bounty rates for Indianapolis are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive criminal record. Learn more about MoneyGeek ’ randomness data and methodology here. About the generator
Mark Fitzpatrick is a aged contentedness coach with MoneyGeek specializing in policy. Mark has years of experience analyzing the policy commercialize and creating original research and subject. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .