Can’t-Miss Indianapolis Car Insurance [Comprehensive Guide]

Indianapolis car insurance laws require drivers to carry 25/50/10 in minimum liability coverage. With Indianapolis auto insurance rates averaging $292 per month, drivers should comparison shop online to find the cheapest car insurance in Indianapolis. Enter your ZIP code below and get free Indianapolis auto insurance quotes from local companies to find the best price for your policy.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 27, 2020

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Indianapolis StatisticsDetails
Density2,387 people per square mile
Average Cost of Car Insurance$3,512.78
Cheapest Insurance CompanyUSAA
Road ConditionsFair
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There are many enjoyable things about being out on the open road. Some people find driving fun or tranquil, while others may avoid it when they can. Whether you love to drive or just need to get from Point A to Point B, one fact reminds consistent: you’re going to need car insurance.

That’s where we come in. It can be really stressful having to do all this research to pick out the best insurance coverage for yourself. So we’ve done all the hard work for you.

If you live in the Indianapolis region, then this comprehensive guide is for you. We’ll give you all the information you need to find the perfect car insurance policy for you.

Ready to take the leap and compare car insurance rates? Don’t forget to use our FREE online tool today, all you need is your ZIP code.

The Cost of Car Insurance in Indianapolis

Let’s get down to business. In this first section, we’ll talk about some of the factors that may affect the cost of your car insurance in Indianapolis.

Male vs. Female vs Age

A lot of car insurance companies will charge differently depending on what demographics you fall into: your age, whether you’re male or female, whether you’re married or not. These are all silent factors that can affect your car insurance rates.

One of the more well-known differences in rates is the disparity between what men and women are charged. Men tend to pay more, with the justification being that men are more likely to engage in risky behavior than women.

In Indianapolis, men tend to pay an average of $3,604.96 for their car insurance coverage, while women only pay $3,314.27.

Gender isn’t the only factor you’ll have to take into account, as your age can also affect your rates.

17253560Cheapest RateCheapest Age
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As you can see from the table above, the younger you are, the more you tend to pay for your car insurance coverage.

Out of the age demographics listed, the 60-year-olds pay the least in Indianapolis, while those in the 17-year-old category pay the most.

Once again, it comes down to who is more likely to engage in risky or reckless behavior.

Another sneaky factor that can cost you more money is your marital status. Are you married? If you are, you can expect to pay less than your unmarried peers in Indianapolis, as seen in the table below.

Married 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleAverage
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Men still tend to pay a little more than their female partners. On average, the people paying the most for their insurance coverage in Indianapolis are younger male drivers.

Cheapest ZIP Codes in Indianapolis

You may not know this, but where you live in Indianapolis can affect what you pay for your coverage as well.

That’s right, people living in one ZIP often pay more for car insurance than those living in a neighboring ZIP code. See the table below.

Zip CodeAverage Rates
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According to the table, the lowest-priced ZIP code is $800 less than the highest-priced ZIP code. So definitely make sure to take this into account when comparing insurance rates.

What’s the best car insurance company in Indianapolis?

It seems like there is an infinite number of car insurance companies out there for you to choose from. When you’re trying to get your insurance coverage, this can be pretty overwhelming.

So in this section, we’ve taken some of the guesswork out of the equation for you. We’ll discuss some of the best car insurance companies in the Indianapolis area based on the various rates you would be paying for each.

Cheapest Car Insurance Rates by Company

The following table displays the cheapest car insurance rates by the largest providers in the state of Indiana:

GroupAverage PremiumDifference (+/-)Difference (%)
American Family$3,679.68$264.717.75%
Liberty Mutual$5,781.35$2,366.3869.29%
Nationwideno data availableno data availableno data available
State Farm$2,408.94-$1,006.03-29.46%
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Best Car Insurance for Commute Rates

How far you tend to commute on a regular basis can affect what a car insurance provider will charge you. The logic is that the more you drive, the more likely it is you will be in an accident.

Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average
American Family$4,013.01$4,111.08$4,062.05
Liberty Mutual$5,978.99$6,301.22$6,140.11
State Farm$2,600.17$2,749.11$2,674.64
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The bright side, however, is that not all providers charge differently for your commute. Providers such as Allstate, Farmers, Nationwide, Progressive, and Travelers do not charge for your commute in Indianapolis.

Best Car Insurance for Coverage Level Rates

Nobody likes to pay more for less. It makes no sense, right? Well, if you don’t compare your insurance rates, you could be doing exactly that. Some insurance companies charge more for lower levels of coverage than others charge for a higher level.

American Family$3,976.99$4,014.19$4,194.97$4,062.05
Liberty Mutual$6,372.55$5,925.79$6,121.98$6,140.11
State Farm$2,808.85$2,540.77$2,674.30$2,674.64
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For instance, a low coverage plan with Allstate would cost you $4,056.21, while a high coverage plan would only cost you $2,774.06 with Geico.

That mean’s you’d be paying $1,282.15 more for a coverage plan that wouldn’t offer you as much protection.

Best Car Insurance for Credit History Rates

You want your car insurance provider to be reliable, right? They want the same thing from you. Insurance companies want to know that you’ll pay your premiums.

This is why maintaining a good credit history is so important. It can be a vital way to cut down on the cost of your car insurance coverage.

American Family$3,605.80$3,019.57$5,560.78$4,062.05
Liberty Mutual$5,323.59$4,924.17$8,172.56$6,140.11
State Farm$2,326.40$1,806.57$3,890.95$2,674.64
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Travelers, for instance, charges an additional $629.75 to those with poor credit history compared to what they charge those with fair credit. So if you’re looking to cut down on the costs of car insurance, make sure to keep your credit history in good standing.

Best Car Insurance for Driving Record Rates

Your driving record is your way of showing your insurance provider that you are safe and responsible behind the wheel and that they should, therefore, charge you less for your coverage.

The worse your driving record is, however, the less reliable you appear; so the more infractions you have, the higher your rates will be.

GroupClean recordWith 1 accidentWith 1 DUIWith 1 speeding violationAverage
American Family$2,806.87$4,449.64$5,650.00$3,341.68$4,302.17
Liberty Mutual$4,736.88$5,624.20$8,960.20$5,239.14$6,440.43
State Farm$2,608.59$2,872.79$2,608.59$2,608.59$2,696.66
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Having just one ticket on your driving record with Geico can cost you $660.53 a year more than you’d pay if you had a clean record.

So be safe out there, it could save you in more ways than one.

Car Insurance Factors in Indianapolis

What other kinds of car insurance factors should you take into consideration?

In this section, we’ll discuss factors like Indianapolis’s metro report, the median household income, education in the area, and more.

Metro Report

If you’ve ever heard of the Brooking’s Institution’s annual Metro Monitor Report, you likely that this is an important study.

If you haven’t heard of it, no worries. This report basically gives you the economic performance of the top 100 largest metropolitan regions across the nation.

It gathers information for these top regions based on factors like growth and prosperity. They indicate a rate of change from the previous year, from the past five years, and the past 10 years. This data is then broken up into a score to show the region’s overall performance ranking.

The data below displays the information for the Indianapolis region:

  • Prosperity: (overall ranking of 17th of 100)
    • Productivity: +2.1 percent (11th of 100)
    • Standard of Living: +2.2 percent (21st of 100)
    • Average Annual Wage: +1.7 percent (17th of 100)
  • Growth: (overall ranking of 45th of 100)
    • Jobs: +1.3 percent (54th of 100)
    • Gross metropolitan product (GMP): +3.4 percent (20th of 100)
    • Jobs at young firms: +3.1 percent (54th of 100)

Why is all of this a really good thing for Indianapolis citizens? It means that Indianapolis is growing and rising in the ranks. It also means that there might be a higher influx of new residents coming in to fill the open jobs. And that means more people on the road.

Median Household Income

We know that the number of jobs is increasing in the Indianapolis area, so what about pay? What’s the median household income for residents of Indianapolis?

Well, the median household income is $47,225. What does this mean for your car insurance?

Since the average premium is $3,512.78, this means that the average Indianapolis resident will pay approximate 7.43 percent of their salary toward car insurance.

If you want to break down exactly how much of your income will go to car insurance, use the tool below.

Homeownership in Indianapolis

Why in the world would we include homeownership in a guide about car insurance in Indianapolis? Great question. As we’ve mentioned before, where you live can affect your car insurance rates. In addition, owning a home can affect them as well.

Not only does owning a home make you look more responsible to car insurance providers, which may earn you a lower rate, but you can often get a discount by bundling your home and auto insurance.

If this alone hasn’t convinced you, a study done by the Consumer Federation of America states that renters faced premiums 7 percent higher than those who owned homes.

So what’s the living situation like in the Indianapolis area?

Well, in 2017, approximately 65.4 percent of the population in Indianapolis owned their own homes. This increased from the previous year’s 64.3 percent. This means more and more Indianapolis citizens are purchasing homes. These figures are also higher than the national average for homeownership, which is 63.9 percent.

The average property value for homes in Indianapolis was estimated to be $137,600 in 2017. This was an increase from the previous year, in which the average was only $128,200.

So, property values are going up, and that’s not stopping people from buying homes. This is a good sign for the city’s economy.

Education in Indianapolis

Education can be a big factor in a person’s decision to move to a new area. The more education options you have, the more job opportunities you’ll have in the future.

So what kind of education does the Indianapolis area have to offer?

There are over a dozen colleges and universities in the city.

The top three universities that call Indianapolis home are the following:

  • Ivy Tech Community College = 19,383 degrees awarded
  • Indiana University-Purdue University-Indianapolis = 7,425 degrees awarded
  • American College of Education = 1,546 degrees awarded

So you definitely have a lot of options for education in the area.

Of those who have graduated from these universities (and more), what majors were most popular?

  • General Business Administration and Management = 1,157 degrees awarded
  • Other Liberal Arts and Sciences, General Studies, and Humanities = 943 degrees awarded
  • Registered Nursing = 1,174 degrees awarded

These sound like great programs, right? But what is it going to cost you?

Well, if you’re in-state, you will only have to pay approximately $8,141. But if you’re out-of-state, you’ll have to pay approximately $29,170 for your tuition.

Wage by Gender in Common Jobs

According to Data USA, the state of Indiana has a general trend of paying women less than men, which is a problem nationwide.

Take a look at the table below to see just how much men and women make compared to one another in Indiana:

Job CategoryMale SalaryPremium as % of IncomeFemale SalaryPremium as % of Income
Miscellaneous Managers$96,3293.65%$70,7594.96%
Registered Nurses$58,8325.97%$59,6865.89%
Drivers/Sales Workers & Truck Drivers$51,6356.80%$30,86411.38%
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As you can see, in a miscellaneous management role, men earn an average of $96,329 while women only earn an average of $70,759 in the same position.

Poverty by Age and Gender

All across the country, you’ll find individuals living below the national poverty line.

Indianapolis is no different. Approximately 13.7 percent of the city’s population lives in poverty. This is above the national average of people living under the poverty line, which is 13.4 percent.

Of this 13.7 percent, the demographic most likely to be living in poverty is women age 25–34.

The poverty level has improved over the past few years. As you can see in the video below, a few years ago the situation was worse.

Poverty by Race and Ethnicity

Poverty can affect anyone, anytime. We know which gender is most affected, but what about the different races and ethnicities?

Race/EthnicityShare of PopulationShare of Poverty
White Alone55%39%
Black or African American Alone28%33%
Hispanic or Latino10.5%15%
Asian Alone3%3%
Two or More Races3%3%
Some Other Race Alone.5%7%
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As you can see from the table above, the racial group with the most people living in poverty is white. About 55 percent of the entire population of Indianapolis is white, and white individuals make up about 39 percent of those living in poverty. Here’s what the racial makeup of Indianapolis residents looks like:

  1. White = approximately 158,176 individuals
  2. Black = approximately 75,350 individuals
  3. Hispanic = approximately 38,449 individuals

Employment by Occupations

Obviously, in order to pay for your car insurance coverage, you’ll need to have income, right? So let’s take a look at what types of employment opportunities you have in the Indianapolis area.

Unfortunately, the number of people working in Indianapolis in 2017 declined from the previous year’s total of 416,000 employees to 414,000 employees (a .27 percent drop).

As we noted in an earlier section, this shouldn’t discourage you, as the number of jobs has recently begun to rise.

The following jobs are the most prevalent in Indianapolis:

  • Office and administrative support: 14.3 percent (59,393 workers)
  • Management occupations: 9.27 percent (38,406 workers)
  • Sales and related occupations: 8.8 percent (36,484 workers)
  • Production occupations: 6.23 percent (25,812 workers)
  • Food preparation and serving-related occupations: 6.17 percent (25,565 workers)

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Driving in Indianapolis

There are a lot of major roads in the Indianapolis area, so what can you expect to deal with while driving?

Keep reading to find out more.

Major Highways

Just like with any major metropolitan area, there are going to be a number of major roadways you can take to get around Indianapolis. So what major highways run through the area?

Interstate/HighwayLength (Miles)Toll Road
SR 37229No
SR 135139No
US 36216No
US 402,286No
US 136804No
US 421941No
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The good news for you is that none of these roads are toll roads. There are only two sets of toll roads in Indianapolis overall:

  • Indiana Toll Road: This road runs 156 miles east-west through northern Indiana. You can pay this toll with cash, a credit/debit card, or an E-Z Pass Transponder.
  • RiverLink System: This road is located in Louisville, and can be paid with a prepaid account (E-Z Pass Transponder) or through an invoice on your license plate.

So make sure to note which roads you’ll be taking on your commute.

Roads in Indianapolis

We’d all prefer to drive on safe and smooth roads, right? No one likes driving over bumps and potholes. So in this section, we’ll discuss what to expect for roads in Indianapolis.

Road Conditions

The more damaged the road, the more likely it is that your car will be damaged.

Here’s a broad view of the road conditions in Indianapolis:

Poor ShareMediocre ShareFair ShareGood ShareVehicle Operating Cost
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As you can see, a majority of roads in Indianapolis are in poor or mediocre condition. You’ll want to make sure you drive safely on these roads, or your vehicle could suffer for it.

Does your city use speeding or red light cameras?

According to the law firm of Lee, Cossell and Crowley, red light cameras are currently illegal in the state of Indiana. Speeding cameras are also currently illegal in the state. So you won’t need to worry about speeding or red light cameras in the Indianapolis area.

This doesn’t mean you’re completely off the hook, however. Indiana lawmakers are considering instituting laws that would permit speed cameras in work zones. So keep an eye out for news on that front.

Vehicles in Indianapolis

What kinds of vehicles can you expect to see in the Indianapolis area?

Keep reading to find out.

Most Popular Vehicles Owned

Driving around the Indianapolis area, you’ll likely see certain vehicles more than others. So what exactly is the most popular vehicle in the area? Here are some facts from YourMechanic about vehicles in Indianapolis:

  • Most popular vehicle: Pontiac Grand AM
  • Percentage of American-made vehicles: 66 percent
  • Percentage of hybrid vehicles: 0.6 percent
  • Percentage of cars with V8 engines: 11.6 percent
  • Percentage of Suburus: 0.9 percent

So, if you’re out and about and see a few Pontiac Grand AMs, we wouldn’t be too surprised.

How many cars per household

Most households in Indianapolis own two vehicles, which matches the national average:

Number of CarsIndianapolis ShareUnited States Share
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Households without a Car

On the opposite side of the spectrum, how many households in Indianapolis are without a car?

According to the Federal Highway Administration, it isn’t surprising that the number of households without a vehicle in the area has increased from 2015 to 2016. As the number of those in poverty in the area has increased, it’s reasonable that this statistic would also increase.

2015 Households without Vehicles2016 Households without Vehicles2015 Vehicles per Household2016 Vehicles per Household
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Vehicle Theft in Indianapolis

One of the negative aspects of owning a vehicle, no matter where you live, is that it could possibly be stolen.

Here are the stolen vehicle statistics from Neighborhood Scout for the Indianapolis area in 2017:

AreaMotor Vehicle Theft (Total)Motor Vehicle Theft Rate
United States773,1392.37
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The vehicle theft rate of 5.89 for Indianapolis is almost twice the national average.

Based on data from Neighborhood Scout, some of the more dangerous areas in Indianapolis seem to be concentrated in the center of the city.

Here’s a wide view of the crime rate in the city:

Indianapolis Total CrimesViolentPropertyTotal
Number of Crimes11,66438,96250,626
Crime Rate
(per 1,000 residents)
Indiana Crime Rate (per 1,000 residents)3.9924.1728.16
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So in total, about 28.16 out of 1,000 Indianapolis residents will be the victim of a property or violent crime. That’s a lot.

Some parts of the city are safer than others. In Indianapolis, the safest neighborhoods to live in are as follows:

  1. Promontory Road / Old Stone Drive
  2. South Franklin Road / East Edgewood Avenue
  3. Acton / Charle Sumac Estates
  4. West 56th Street / Dandy Trail
  5. East 96th Street / Fall Creek Road
  6. Shore Acres
  7. Fairwood Hills
  8. Wanamaker
  9. East Hanna Avenue / 5 Points Road
  10. Glenns Valley / Sunshine Gardens


No one likes getting stuck in traffic — it’s one of the most frustrating aspects of driving! So what kind of traffic can you expect to run into while out and about in Indianapolis?

The INRIX Scorecard has the following data available for traffic in Indianapolis:

INRIX Scorecard for Indianapolis, IN Details
2018 IMPACT RANK (2017)177 (162)
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On average, Indianapolis residents spend 59 hours in traffic per year, and this time costs drivers an average of $826 per year.

TomTom offers more information on the traffic situation:

TomTom Congestion for Indianapolis, INDetails
World Rank379
Congestion Level13%
Extra Time (morning)+7 min
per 30 min trip
in the morning
Extra Time (evening) +11 min
per 30 min trip
in the evening
Morning / Evening Peak22% / 35%
Highways / Nonhighways7% / 18%
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At peak driving times in the morning, residents should expect to spend an extra seven minutes on their commute. At peak evening times, commutes may take an extra 11 minutes due to traffic congestion.

Finally, here’s what Numbeo has to offer regarding traffic in Indianapolis:

Numbeo Traffic Index for Indianapolis, INDetails
Traffic Index141.80
Time Index30.83 min
Inefficiency Index192.18
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The inefficiency index measures how efficiently traffic is being navigated, through factors such as how the road is constructed, how populated the roads are at peak times, and more.

The higher the number, the more inefficient the roadway is, and therefore the more congestion it’s likely to have.

Indianapolis has a relatively average inefficiency index, meaning that the congestion, while annoying, does tend to flow a little more smoothly here than it does in other cities.


When it comes to the daily commute, most Indianapolis citizens tend to drive alone, according to Data USA. Here’s how the numbers break down:

  • Drive Alone: 82.8 percent
  • Carpool: 8.04 percent
  • Work at Home: 5.16 percent

This isn’t that surprising, as Indianapolis is a pretty large and spread-out city, so most citizens opt to just drive themselves to work.

The next question that might come to mind is, how long will it take me to get to where I need to go?

According to Data USA, on average, the commute time in Indianapolis is 22.5 minutes.

This is actually pretty good considering that the average commute time nationally is 25.5 minutes. So Indianapolis actually beats the national average by three minutes.

How safe are Indianapolis streets and roads?

Accidents happen. But just how safe are you going to be driving around your area? Luckily, we can find out this very information through the National Highway Traffic Safety Administration’s (NHTSA) state crash reports. These reports give us a better understanding of the likelihood of various factors causing crashes in specific areas.

So we took a look at Marion County (where Indianapolis is located) for nine of the most common circumstances related to traffic fatalities.

County Statistics20132014201520162017Total
Total Fatalities8397104102109495
Single Vehicle4352585962274
Roadway Departure3039523953213
Passenger Car3028463742183
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As you can see, the highest fatality numbers in the Indianapolis area are for single-car crashes. This is followed closely by accidents caused by alcohol-impaired drivers.

Allstate America’s Best Drivers Report

How are people driving in Indianapolis? Do most people drive safely, or are there a lot of reckless drivers in the city?

Well, we can actually find that out.

Allstate conducts a Best Drivers Report each year to see how the different cities in the nation measure up.  Are there better drivers in one city versus another?

They perform this study by looking at two different facts — the average time between claims for drivers and hard-braking incidents.

Average Years Between Claims2019 Best Drivers Report RankingChange in
Ranking From
2018 to 2019
Hard-Braking Incidents per 1,000 miles
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Overall, Indianapolis did pretty well in 2019. It rose to a ranking of 75, which is much higher than its rank was the previous year.

The national average for time between claims is about eight years, while Indianapolis drivers tend to only file a claim every 9.5 years. This means that there are typically fewer accidents occurring in Indianapolis compared to the country as a whole.

On the other hand, the hard-braking numbers are a little less than stellar. The national average for this is about 19 incidents per 1,000 miles, while Indianapolis’ average was 21 incidents per 1,000 miles.

What does all of this mean?

We can glean from this information that Indianapolis residents are roughly on par with other drivers across the country in terms of safe driving.

Estar Repair Shops

If you’re in need of car repairs in a pinch, you’ll want to find a good E-Star repair shop to help you out. But what in the world are E-Star shops?

E-Star repair shops are facilities that have been designated as top-quality for their work, as well as for customer service.

So what are your options in Indianapolis? Well, within a 50-mile radius of the downtown area, there are 16 E-star repair shops, as listed below.

Name of FacilityAddressContact Information
email: [email protected]
P: (317) 357-1121
F: (317) 375-3510
AVON IN 46123
email: [email protected]
P: (317) 272-2048
F: (317) 272-2818
email: [email protected]
P: (317) 882-8280
F: (317) 885-4280
email: [email protected]
P: (317) 787-8366
F: (317) 782-2491
email: [email protected]
P: (317) 262-5159
F: (317) 262-1064
email: [email protected]
P: (317) 823-9154
F: (317) 823-1026
P: (317) 875-9325
F: (317) 875-9333
email: [email protected]
P: (317) 454-7400
F: (317) 454-7393
email: [email protected]
P: (317) 244-9571
F: (317) 244-2106
email: [email protected]
P: (317) 875-8434
F: (317) 876-7702
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Different regions of the country are known for different weather conditions.

If you live further up north, you can expect to see lower temperatures during the winter. The further south you live, the warmer the temperatures will likely be in summer.

What does this have to do with car insurance? Your car experiences these weather conditions just like you do, and there’s a chance it could be damaged as a result.

So what kind of weather can you expect to see in Indianapolis?

Temperature FactsDetails
Annual High62.4°F
Annual Low43.8°F
Average Temperature53.1°F
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As you can see in the table above, Indianapolis tends to run on the colder side. This would make sense, as it’s located in the north of the country. But what about rain? Rain can make driving more difficult and lead to more accidents? So does Indianapolis see an excessive amount of rain?

Weather FactsDetails
Average Sunshine186
Average Annual Rainfall42.2 inches
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Nope! Indianapolis tends to see an average amount of rain and sun according to Sperling’s Best Places.

Now, let’s talk about natural disasters. Why? Well, for the same reason you would want to know about the weather. Knowing what kinds of natural disasters are typical for your area will help you know what kind of insurance coverage you may need.

The Indianapolis area (Marion County) has seen approximately 15 disasters, according to Of these 15, 11 were declared major disasters by the president.

This average is slightly higher than the national average, which is only 13.

Here’s a breakdown of the specific disasters that have occurred in the Indianapolis area:

  • Floods: Eight
  • Storms: Eight
  • Tornadoes: Six
  • Winter Storms: Three
  • Snows: Two
  • Blizzard: One
  • Hurricane: One
  • Snowstorm: One

So, the most frequent disasters in Indianapolis have been floods and storms. Watch the video below to get an idea of what this flooding tends to look like.

Public Transit

If you’re looking to utilize public transit in your commute, there’s one primary transportation system in the Indianapolis area, called IndyGo.

IndyGo is one of the biggest transportation companies in the state of Indiana. It provides almost 10 million passenger trips per year.

In total, it operates approximately 30 routes throughout the entire state of Indiana and has several routes that go through the city of Indianapolis.

If this mode of transportation interests you, fares and passes start at $1.75 and go up to $30. Here are prices for the most common purchases:

  • Two-hour transfer ticket: Full fare $1.75 / Half fare $0.85
  • One-day pass: $4 / $2
  • 10 trips ticket: $17.50 / $8.50
  • Seven-day pass: $20 / $10
  • 31-day pass: $60 / $30
  • Open Door one trip: $3.50
  • Summer youth pass: $30
  • College S-Pass: $30
  • Veterans pass: $2 for initial / $5 for replacement

Make sure to take a look at the various routes to see which one would be best for you.

Parking in Metro Areas

Aside from traffic, what’s another frustrating thing drivers have to deal with? Parking. Parking in any downtown area can be an absolute nightmare.

So what options do you have for the downtown Indianapolis area?

Well, according to Downtown Indy, Inc., you will have about 73,000 parking spaces to choose from; which include side-street parking, parking garages, and off-street lots.

These spots typically cost from $5–$10 but can go up to a range of $5–$24 during busier times of the day.

The good news, though, is that parking is free all day on Sundays.

Air Quality

If you’ve seen any images of cities in China or India where air quality is so poor that citizens walk around with masks over their faces, you’ll know why air quality is so important.

According to the EPA Air Quality Index, this is what the air quality looks like in Indianapolis:

YearDays with AQIGood DaysModerate DaysUnhealthy Days for Sensitive GroupsUnhealthy Days
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The good news is, there has only been one unhealthy day in the past three years.


If you are active military personnel or a veteran, we’re grateful for your service.

In this section, we’ll briefly touch on the statistics for those who have served or are currently serving in the military, and what discounts they might be entitled to.

Veterans by Service Period

We’ve collected data to find out which service periods have the highest populations in the Indianapolis area.

Service PeriodIndianapolis ShareUnited States Share
World War II6%4%
First Gulf War20%18%
Second Gulf War25%26%
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In Indianapolis, the highest population of veterans were soldiers who served in the Vietnam War.

Discounts by Providers

If you’re a veteran or active military personnel, you qualify for military discounts. There are six insurance providers who currently have military discounts that you can apply for:

  • Allstate
  • Farmers
  • Geico
  • Liberty Mutual
  • State Farm
  • USAA

So make sure to check with your provider, because you don’t want to miss out on the discounts you’re entitled to.

Military Bases within an Hour of Indianapolis

In the state of Indiana, there are currently only three military bases. The closest one to Indianapolis is Grissom Air Reserve Air Force Base.

Indianapolis, IN Car Insurance FAQs

Do you still have a few questions about car insurance in Indianapolis? Check out some of the most frequently asked questions down below.

What companies are hiring in Indianapolis?

As we’ve mentioned in a previous section, the Indianapolis job market is pretty healthy. This is in part due to several major companies having their headquarters located here. These include the following:

  •  Eli Lilly and Company
  • Anthem Inc.
  • Angie’s List
  • RCI
  • Simon Property Group
  • Dow AgroSciences
  • Finish Line
  • NCAA

So if you’re looking for a job in Indianapolis, these companies are a good place to start.

Is there minimum insurance coverage I will need?

Yes. The state of Indiana requires that all drivers have at least minimum liability coverage. Indiana follows a minimum liability coverage rule of 25/50/10. What does this mean? Well, we’ve broken it down for you below:

  • 25 = $25,000 for payment in case of injury/death of one person in an accident you caused
  • 50 = $50,000 for payment in case of injuries/death of multiple people in an accident you caused
  • 10 = $10,000 for payment in case of property damage in an accident you caused.

You’ll want to make sure you have this minimum liability coverage before you start driving.

If I get in an accident in Indianapolis, whose insurance do I use?

The entire state of Indiana falls under something called an at-fault system.

This means that if you are in an accident, whoever was responsible for the accident will be liable for the costs incurred from that accident.

This is good news if you were not the one who caused the accident, but accidents do happen. So you’ll want to make sure you have the proper insurance coverage in case there comes a time when you’re the one at fault.

What is the cost of living in Indianapolis if I’m not planning to buy a house?

We touched on this in an earlier section, but the cost of living in Indianapolis is actually lower than it is in a lot of other cities in the nation.

In fact, according to Forbes Magazine, the cost of living in Indianapolis is below the national average by approximately 7.6 percent!

The typical rent costs only $800 per month on average. This is lower than the national average of $1,000 per month. Good news for Indianapolis renters.

Why is the local car dealership closed on Sundays?

Well, believe it or not, in the state of Indiana, it’s actually illegal to sell cars on Sundays.

You read that correctly, the state of Indiana is one of several states that have completely banned selling vehicles on Sunday.

Laws around this are so strict that it’s actually considered a Class B Misdemeanor.

This means that anyone caught selling cars on a Sunday can face a criminal charge, with a fine of $1,000 and even 180 days of jail time. So if you’re in the market to buy a new vehicle in Indianapolis, maybe do it on a Saturday instead?

You’ve done it! You made it to the end of this comprehensive guide for Indianapolis car insurance. We hope this information will make things easier when you go shopping for coverage.

If you’re ready to get started comparing car insurance, use our FREE online tool today. All you need is your ZIP code.



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