Car Insurance in Indianapolis
Numbers refreshed
Car insurance in Indianapolis: the Indiana averages, and how people there drive.
- $95Full coverage at the Indiana monthly average.
- 25/50/25.The state minimum limits.
What drivers in the Indianapolis area pay
Full coverage in Indiana averages $1,142 a year, and the legal minimum averages $523. In a big city, prices usually sit above the state average, because of more traffic, more claims and more theft.
| Coverage in Indiana | Per year | Per month |
|---|---|---|
| Liability | $523 | $44 |
| Collision | $397 | $33 |
| Comprehensive | $222 | $18 |
| Full coverage (all three) | $1,142 | $95 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Driving within Indianapolis
| Census figure | Indianapolis |
|---|---|
| People | 885,860 |
| Average trip to work | 25 minutes |
| Drive to work alone | 72% |
| Homes with no car | 8% |
| Median household income | $66,219 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
An estimate for you
The Indiana calculator works out a price using your car, age and record. You'll find the state's rules on Indiana car insurance requirements.
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