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Best Car Insurance in Indianapolis, IN

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Car insurance is mandatory in Indiana, but getting more than the minimum coverage protects you financially after an accident or theft. When buying a policy, look for a reputable provider offering the coverage and features you need. We found the best car insurance companies in Indianapolis to help you get insured quickly and affordably.

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Top 11 Indianapolis Car Insurance Companies

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Driving in Indianapolis, IN

Driving in Indianapolis comes with a specific set of issues, all of which illustrate the need for adequate car insurance coverage.

  • Crashes in Indianapolis: According to the most recent data from the Indiana Criminal Justice Institute, total traffic collisions in the state rose 3.2% annually from 2013 to 2017. If you’re involved in a car accident, you might be liable for related medical bills, car repairs and legal fees. Having the right auto insurance policy helps protect you from financial hardship as a result of a collision.
  • Road conditions in Indianapolis: Indianapolis is undergoing many construction and road repairs, mainly in several areas along Interstate 465. Interstate 69 and Interstate 865 have also had increased closings due to construction. Indianapolis residents should purchase auto insurance with appropriate coverage to protect themselves against property damage and collisions that might occur because of construction.
  • Vehicle theft in Indianapolis: In total, the city of Indianapolis reports approximately 5,000 car thefts per year, and Camby has seen an increase in car thefts within the past year. People living in neighborhoods with high property crime rates should look into comprehensive auto coverage to make sure their insurance policy covers vehicle theft.

Average car insurance quotes in Indianapolis, IN

The cost for a car insurance policy in Indianapolis typically starts at around $450 and can go up to $1,200 or more. The table below shows estimated yearly auto insurance premiums for a 30-year-old woman living in different areas of Indianapolis.

Indianapolis NeighborhoodComprehensiveLiabilityState minimum
Camby - 46113$1,088$476$450
Mile Square - 46202$1,154$512$483
Sunshine Gardens - 46217$1,086$490$463
Huntington Communities - 46278$1,069$483$456
Broad Ripple - 46230$1,175$512$483
Scarborough Lake - 46254$1,068$485$459

The table above uses neighborhoods and ZIP codes to see changes in pricing, but other factors also come into play, including your:

  • Coverage level
  • Gender
  • Credit score
  • Age
  • Driving history
  • Additional drivers on the policy

Does Indiana require car insurance?

Indiana requires residents to have car insurance with at least 25/50/25 coverage. In other words, to avoid penalties or consequences, you must have coverage with a minimum of $25,000 in bodily injury to one person, a minimum of $50,000 in bodily injury across an entire accident and a minimum of $25,000 in property damage.

According to a study from the Insurance Research Council, Indiana has the eighth-highest percentage of uninsured drivers in the U.S. Without specific coverage, getting into an accident with an uninsured driver raises the risk of you having to pay high out-of-pocket costs, even if you have car insurance. Uninsured drivers raise car insurance premiums for everyone else and, if caught, face up to a 90-day license suspension.

High-risk auto insurance

The state of Indiana recognizes that some people, particularly high-risk drivers, might have a difficult time finding coverage, which is why it offers the Indiana Auto Insurance Plan (IAIP). This program helps drivers get minimum car insurance, no matter their driving history. The IAIP assigns applicants to car insurance companies in Indiana, and the insurers are obligated to provide coverage. Drivers must show that they attempted to get coverage within the previous 60 days to be eligible.

Indy car insurance FAQ

Is Indiana a no-fault state for accidents?
No, Indiana is an at-fault state, which means the individual who causes an accident is held liable for expenses, including medical payments, legal fees and property damages.
How can I get car insurance discounts in Indianapolis?
Car insurance in Indianapolis is reasonably affordable, and many insurance companies offer discounts. For instance, military personnel, students with high GPAs and good drivers often get specific savings.
How do I find cheap SR-22 insurance in Indianapolis?
Many of the companies on our list provide cheap SR-22 insurance for high-risk drivers after a license suspension, car incident or significant traffic violation.

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    Indianapolis car insurance company information

    Access Auto Insurance

    Access Auto Insurance helps drivers with less-than-ideal credit get quick coverage. Drivers with foreign licenses, suspended licenses and temporary licenses can get insured through this company. Access Auto doesn’t require a credit check, and it has certified agents available to help with any questions.

    • Address: 2107 W. Washington St., Indianapolis, IN 46222; Multiple locations
    • Phone: (317) 687-8807
    • Hours: M - F: 9am - 6pm; Sat: 9am - 5pm
    • Website: access-insurance.com
    McBee Insurance Agency

    McBee Insurance Agency is open to walk-ins and drivers who aren’t covered through regular policies. This family-owned and -operated business specializes in serving high-risk drivers. It invites customers to get a quote for free on its website and offers discounts.

    • Address: 1641 Shadeland Ave., Indianapolis, IN 46219; Multiple locations
    • Phone: (317) 351-2800
    • Hours: M - F: 9am - 5pm
    • Website: mcbeeinsurancein.com
    A-1 Insurance

    A-1 Insurance’s licensed agents work with more than 25 carriers to find its customers the best car insurance in Indianapolis. The company deals with carriers like Nationwide, First Chicago Insurance Company, Universal Insurance Company, Progressive, Grange Insurance, State Auto Insurance Companies and Indiana Farmers Insurance. Customers can pay online and conveniently manage their account on A-1’s website.

    • Address: 2929 E. 96th St., Ste. A, Indianapolis, IN 46240; Multiple locations
    • Phone: (317) 844-3049
    • Hours: M - Th: 8:30am - 5pm; F: 8:30am - 4:30pm
    • Website: a1insureit.com
    Steffey Hatoway Insurance

    Steffey Hatoway Insurance employs a team of insurance professionals, financial consultants and benefits specialists who work to personalize each client’s coverage. It has several options for car insurance in Indianapolis, including coverage against bodily injury, property damage and uninsured motorists. It also gives the option to add other car insurance features, including roadside assistance, rental car coverage, new car replacement, accident forgiveness, trip interruption coverage and pet injury protection.

    • Address: 9100 Keystone Crossing, Ste. 510, Indianapolis, IN 46240; Multiple locations
    • Phone: (317) 334-3743
    • Hours: M - Th: 8:30am - 5:30pm; F: 9am - 1pm
    • Website: steffeyins.com
    Dalessandro Agency Inc.

    Dalessandro Agency Inc. is an independent agency that provides car insurance in Indianapolis. It represents carriers such as Nationwide, Bristol West Insurance Group, Progressive, Foremost Insurance Group, Safeco Insurance and The Hartford. Drivers can use their online bill payment system to take care of their insurance premiums quickly.

    • Address: 4918 S. Emerson Ave., Indianapolis, IN 46203; Multiple locations
    • Phone: (317) 780-2500
    • Hours: M - F: 8am - 6pm; Sat: 9am - 2pm
    • Website: daimichigan.com
    Williams & Association Insurance

    Williams & Association helps clients shop for the best car insurance in Indianapolis. The company’s website lets customers make a number of policy changes, including adding a driver or vehicle, claiming an accident or requesting a policy ID card.

    • Address: 8888 Keystone Crossing, Ste. 1300, Indianapolis, IN 46240
    • Phone: (317) 549-8994
    • Hours: M - Sat: 9am - 5pm
    • Website: wassociatesins.com
    Wenclewicz Insurance

    With Wenclewicz Insurance, clients can shop for policies from brands like Grange Insurance, Progressive Insurance, Safeco Insurance, Travelers Insurance, ASI Insurance, AAA Insurance and Auto-Owners Insurance. The company also offers complimentary quotes and policy reviews for all of its clients.

    • Address: 7202 Shadeland Ave., Ste. 207, Indianapolis, IN 46250
    • Phone: (317) 288-5099
    • Hours: M - F: 8:30am - 5:15pm
    • Website: wencinsurance.com
    Exceed Car Insurance

    Exceed Insurance represents multiple popular insurance carriers, including AAA Insurance, The Hartford, Nationwide, Progressive and Grange Insurance. Clients have access to a range of coverage options for their car insurance policies.

    • Address: 4150 Lafayette Road, Ste. I, Indianapolis, IN 46254
    • Phone: (317) 295-1279
    • Hours: M - F: 9am - 6pm
    • Website: exceedinsurance.com