Indianapolis, IN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Indianapolis, IN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Indianapolis, IN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Indianapolis, IN Auto Insurance Rates
- Indianapolis, IN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Indianapolis, IN
- Multi Vehicle Insurance Savings in Indianapolis, IN
- How Credit Score Affects Car Insurance Rates in Indianapolis, IN
- How DUI Affects Auto Insurance Premiums in Indianapolis, IN
- How Driving Violations Affect Auto Insurance Rates in Indianapolis, IN
- Indianapolis, IN Auto Insurance Discounts on Anti Theft Feature
- Indianapolis, IN Auto Insurance Company Reviews
Indianapolis, IN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Indianapolis, IN with that of other cities in and around Indianapolis.
| Indianapolis | Center | Warren Park | Rocky Ripple | Marion County | Spring Hill | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,182 | $1,467 | $1,182 | $1,183 | $1,182 | $1,329 |
Indianapolis, IN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Indianapolis, IN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Indianapolis | $1,461 | $1,234 |
| Center | $1,400 | $1,182 |
| Marion County | $1,217 | $1,028 |
| Spring Hill | $1,452 | $1,227 |
| Wynnedale | $1,258 | $1,062 |
| Warren Park | $1,484 | $1,254 |
| Rocky Ripple | $1,522 | $1,286 |
| Beech Grove | $1,611 | $1,361 |
Indianapolis, IN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Indianapolis, IN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,835 |
| 20 Years | $1,519 |
| 30 Years | $1,170 |
| 40 Years | $1,125 |
| 50 Years | $1,042 |
| 60 Years | $1,057 |
| 70 Years | $1,230 |
Indianapolis, IN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Indianapolis, IN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,009 | $355 |
| 3 Vehicles | $3,014 | $532 |
| 4 Vehicles | $4,019 | $709 |
Savings on 2 Vehicles bundle:$355
Savings on 3 Vehicles bundle:$532
Savings on 4 Vehicles bundle:$709
Indianapolis, IN Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Indianapolis, IN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Indianapolis | $1,182 | $1,829 |
| Center | $1,467 | $2,270 |
| Marion County | $1,182 | $1,829 |
| Spring Hill | $1,329 | $2,056 |
| Wynnedale | $1,655 | $2,561 |
| Warren Park | $1,182 | $1,829 |
| Rocky Ripple | $1,183 | $1,830 |
| Beech Grove | $1,157 | $1,790 |
Indianapolis, IN Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,014 |
| Excellent (740-799) | $1,158 |
| Good (670-739) | $1,232 |
| Average (580-669) | $1,607 |
| Poor (300-579) | $1,928 |
Indianapolis, IN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$52 | $1,234 |
| Driver's Failure In Showing Documents | +$115 | $1,297 |
| Driving With An Expired Registration | +$122 | $1,304 |
| Driving At A Considerably Slow Pace | +$256 | $1,438 |
| Using A Cellphone While Driving | +$271 | $1,453 |
| Running A Red Light | +$275 | $1,457 |
| Speeding | +$290 | $1,472 |
| Driving A Vehicle Without The Required Permission | +$368 | $1,550 |
| Driving With An Expired/Suspended License | +$797 | $1,979 |
Indianapolis, IN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,135 |
| Active Disabling Device | $1,135 |
| Tracking Device | $1,111 |
| Passive Disabling Device | $1,099 |
Latest Auto Insurance Reviews in Indianapolis, IN | Back to Top
Geicogeico is pretty good for what we could afford at the time it was very reasonable for what we needed. compared to other ones and for my age it is very affordable.
Farm BureauI love my insurance company company they go out of their way to help me whenever I need it. Everyone in the office helps and they never pass me off to another person that is great!
State FarmSt. Farm gave me a reasonable quote that was just what I needed without trying to sell me something else.
AllstateReliable, that what I call for this company. I have had some incidents with my driver license in the past but this company have tell me who I can get my insurance lower price and maintain a good rating with them.
AllstateReliable, that what I call for this company. I have had some incidents with my driver license in the past but this company have tell me who I can get my insurance lower price and maintain a good rating with them.
GeicoWhen I have had a claim, Geico has been quick to respond and take care of things. Customer service is easily accessed through online chat.
GeicoAlthough I understand that rates cannot remain the same, I dislike that even though I have been a customer of Geico for more than 10 years, my rates have increased this year.
Auto Owners InsuranceI love the quick customer service response. I usually call and get an answer within minutes of calling them. Their customer service is outstanding and always have answers quickly.
Safeco InsuranceI like that my liability coverage is higher and everything is covered, and almost like 500 dollars a year less than other companies. This helps save a lot.
GeicoI have called geico for several different issues over the years and their customer service is top notch. Also, the attorney they hired for my lawsuit was amazing - because of her, I won the case.
National GeneralI have progressive. What I like best is free roadside assistance. I have never been in accident, but they gave me free tow when my last car died. 5 all day.
Pekin InsuranceI like that the fact my company is always helpful. I like that they are a bigger national company. I like that they are well known.
ProgressiveThey are easy to use, and the least expensive for my son
GeicoI love the customer service at geico. I have never had any issue with them. They answer the phone quickly and they are extremely helpful and nice when talking to them.
State AutoI like that the rate was the lowest I could find for decent coverage. This was a nice part of the company for the past year.
GeicoI like Geico because they have a lot of members. My previous insurance was progressive and state farm. I pretty much just get the standard coverage.