Compare Top Car Insurance
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EverQuote
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Progressive
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See car insurance within your budget with the Name Your Price tool. Get a personalized rate based on your driving with Snapshot. 99% of drivers earn at least one of multiple discounts. Insures over 20 million drivers. |
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Liberty Mutual
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Customizes car insurance so you pay only for what you need. Has add-ons for new vehicle replacement, accident forgiveness and deductible savings. Over 15 types of discounts. Use the app to get ID cards, pay a bill or file a claim. |
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The General
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Access Auto Insurance
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Location
8403 N. Michigan Rd., Ste. C
Indianapolis, IN 46268
(317) 644-2767
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InsureOne
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Location
969 Shadeland Ave.
Indianapolis, IN 46219
(317) 279-4050
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Acceptance Auto Insurance
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Location
8239 Pendleton Pike
Indianapolis, IN 46226
(317) 897-5015
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Nationwide Insurance Agent: Nick Weybright
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Location
3905 West 96th St., Ste. 1200
Indianapolis, IN 46268
(317) 293-7000
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A-1 Insurance
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Location
2929 E. 96th St., Ste. A
Indianapolis, IN 46240
(317) 844-3049
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Williams & Associates Inc.
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Location
8888 Keystone Crossing Ste. 1300
Indianapolis, IN 46240
(317) 549-8994
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Geico
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Location
3837 N. High School Rd., Ste. 10
Indianapolis, IN 46254
(317) 216-0932
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Allstate Insurance Agent: Scott Verbarg
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Location
6120 Thompson Rd., Ste. B
Indianapolis, IN 46237
(317) 802-1550
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McBee Insurance Agency
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Location
1641 Shadeland Ave.
Indianapolis, IN 46219
(317) 351-2800
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Hoosier Insurance Group
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Location
450 E. 96th St., Ste. 500
Indianapolis, IN 46240
(317) 536-2999
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A.I. King Insurance Agency Inc.
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Location
8604 Allisonville Rd., Ste. 210
Indianapolis, IN 46250
(317) 841-6004
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Farmers Insurance Agent: Zachary Breneman
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Location
4810 S. Emerson Ave., Ste. A
Indianapolis, IN 46203
(317) 786-4321
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State Farm Insurance Agent: Jeff Kolp
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Location
3951 N. Meridian Ste. 250
Indianapolis, IN 46208
(317) 283-3172
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Infinity Auto Insurance
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Location
2555 E. 55th Pl., Ste. 209
Indianapolis, IN 46220
(800) 463-4648
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How to choose a car insurance company in Indianapolis
Car insurance rates can vary based on personal factors, such as age and driving record. Where you live plays a role, too. Urban areas have more drivers, which leads to more accidents. Some companies consider the rate of crime in your ZIP code, including thefts, vandalism and even insurance fraud, to determine how risky you are to insure. Trends in severe weather may also affect rates because storms can damage vehicles.
Indiana has a lower average car insurance premium of $1,021 per year than the national average of $1,318 per year. Even better news for Indy drivers: Rates in the capital are much lower than rates around the state.
In downtown Indianapolis, the average rate is a bit higher than surrounding areas. Rates stay higher on the east side; however, the southeast side of Indianapolis dips lower. This area (Acton and Wanamaker, for example) is one of the safest in the city, and has more rural roads with little traffic congestion, which contributes to the lower rate.
| Location | Annual premium |
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| Downtown Indianapolis (46202) | $484 |
| Englewood (46201) | $470 |
| Acton, Wanamaker (46259) | $448 |
| Lawrence (46226) | $469 |
| Speedway (46224) | $462 |
| Avon (46123) | $440 |
Indiana requires car insurance for all drivers. The minimum requirement is liability insurance. You need to have liability coverage for bodily injury ($25,000/person and $50,000/accident with multiple injuries) and property damage ($25,000/accident). This doesn’t cover damage to your vehicle. It’s recommended to add more coverage, such as comprehensive insurance, to make sure you are fully protected.
The law also demands coverage for uninsured or underinsured motorists. This is especially important in Indiana, which ranks eighth in the nation in uninsured motorists. Nearly 17 percent of Hoosier drivers don’t have insurance. Despite that, Indy rates remain on the low side, and well below the national average.
Auto insurance is a competitive business, and your options can be overwhelming. Use these selected companies with overall positive reviews to help you choose the best car insurance in Indianapolis.
Indianapolis Car Insurance Reviews
Progressive |
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Progressive agents are found throughout the city, but most are located on the extreme north or the extreme south parts of the city. Individual agents that represent Progressive have mostly favorable reviews. While customer service is the biggest complaint, they have low, competitive prices that may be worth it to careful drivers looking for coverage. |
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Liberty Mutual |
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Liberty Mutual has one location on the southside of Indy, plus a business office on the northside. Reviews are positive, both from people who have worked there and people who use them for insurance. While some comment that quotes are high, the consensus is that this is a solid business with great customer support. |
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The General |
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The General Car Insurance is a national agency that covers pretty much anyone—regardless of driving record. It’s a good choice for high-risk drivers or those with a history of accidents who struggle to get insurance elsewhere. However, their customer service and claims response are worse than other providers, according to reviewers in the region. |
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Access Auto Insurance |
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Access Auto Insurance has branches on all sides of the city, so no matter where you live, you can get to an office. They guarantee that you can get a free quote and sign up for insurance on the same day. With different locations and a user-friendly website, you can interact in-person or online to get coverage. |
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InsureOne |
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With locations on the north, south, east and west side of the city, InsureOne is available for in-person consultation. You can also apply for a quote online. Reviews are positive for customer service and affordability. If you are looking for a local company, InsureOne is an excellent choice. |
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