Car Insurance in Indianapolis

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Customized Coverage for Indy Drivers

You don't have to be competing in the Indy 500 to face risks while being behind the wheel in Indianapolis. With a population of more than 880,000 residents. Indianapolis offers residents everything from quiet side streets to crowded interstates. Be sure you're prepared for the drive with dependable car insurance in Indianapolis.

The city is known as the Crossroads of America, which becomes clear as you navigate the many interstates that spread out from the city center in every direction. In order to stay connected, the average Indianapolis household has two cars. Average temperatures in Indianapolis are comfortable, typically ranging from 22 to 85 degrees.

Data USA says the average commute time in Indianapolis is just under 24 minutes. While IndyGo public transportation has bus routes throughout the city, over 77% of drivers commute alone. Be sure you have the right coverage that balances a competitive annual rate with the protection you need as you drive.

Average Rates for Auto Insurance in Indianapolis

Insurance rates in Indianapolis average $847 per year. which is slightly higher than the rest of the state. Your personal rates for car insurance in Indianapolis vary based on a number of factors, including the following:

  • Your driving history
  • The type of vehicle you drive
  • Your credit score
  • The level of coverage you choose
  • Demographics
  • Your chosen insurance provider

As the largest city in Indiana, Indianapolis tends to have more traffic congestion and related accidents than the rest of the state. The city sees an average annual snowfall of 22 inches. so snowy and icy road conditions can also increase the risk of an accident. Staying safe and alert can help reduce the risk of an incident, but you should still explore collision and comprehensive coverage options for covering expenses related to damages or injuries resulting from an auto accident.

Your Options for Car Insurance in Indianapolis

The state of Indiana requires liability insurance as a minimum while operating a motor vehicle, so it's essential that you find an insurance provider to give you at least this coverage before starting your daily commute, running errands or sightseeing around Hoosier City. Here are the state-required minimum insurance options:

  • $25,000 per accident in property damage liability
  • $25,000 per person and $50,000 per accident in bodily injury liability
  • $25,000 per person and $50,000 per accident in uninsured motorist bodily injury
  • $50,000 per person and $50,000 per accident in uninsured motorist bodily injury
  • $25,000 per accident in uninsured motorist property damage

It's important to note that underinsured and uninsured motorist auto insurance coverages can be rejected in writing. In addition, drivers in Indianapolis can choose to include collision, comprehensive and medical coverage. These areas of coverage help pay for repairs to your vehicle and for medical bills related to an incident. You can also increase the level of liability coverage above the state minimum, so be sure to compare coverage options as well as providers to get the rate you deserve.

Cruise Confidently in Indianapolis with the Help of VIU by HUB

From a high-speed commute along Interstate 70 to a leisurely drive throughout the suburbs of Indy, enjoy the peace of mind that comes with quality coverage. With VIU by HUB, you can find the car insurance in Indianapolis you need. Compare rates from top providers today and tailor your coverage to fit your driving habits and vehicle.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


U.S. Census

Data USA




Indiana Bureau of Motor Vehicles

Auto insurance in Indiana by city

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