Indianapolis Auto Insurance Rates, Quotes, Agents & Reviews in IN

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.

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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 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

Geico
geico 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 Bureau
I 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 Farm
St. Farm gave me a reasonable quote that was just what I needed without trying to sell me something else.
Allstate
Reliable, 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.
Allstate
Reliable, 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.
Geico
When I have had a claim, Geico has been quick to respond and take care of things. Customer service is easily accessed through online chat.
Geico
Although 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 Insurance
I 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 Insurance
I 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.
Geico
I 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 General
I 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 Insurance
I 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.
Progressive
They are easy to use, and the least expensive for my son
Geico
I 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 Auto
I 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.
Geico
I 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.