For a 40-year-old driver with a clean record, Indianapolis car insurance averages about $192 a month ($2,308 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 7% above the Indiana average of $180 a month. Progressive has the lowest full-coverage average among the insurers we rank, at about $107 a month.
Indianapolis costs more than the Indiana average for our benchmark driver: about $12 a month more than the Indiana average, and about $33 a month more than Carmel, just north in Hamilton County.
Our data covers 35 ZIP codes with an Indianapolis mailing address, from about $165 a month in 46280 to $216 in 46218.
Cost data comes from the auto rates insurers file with state regulators, priced across all 35 Indianapolis ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
Full coverage in Indianapolis averages $2,308 a year, or about $192 a month, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $655 a year ($55 a month), and 50/100/50 liability with comprehensive and collision averages $2,293 ($191 a month).
Progressive has the lowest full-coverage average among the four insurers in our Indianapolis rate data. The recent published statewide Indiana rate studies we reviewed are split on which insurer is cheapest for full coverage: two of the five put GEICO first, two Travelers and one Progressive, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among the insurers we price, at about $30 a month, followed by Auto-Owners at $40.
Full-coverage averages by insurer in Indianapolis
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $359 | $30 | $1,284 | $107 |
| Auto-Owners | $485 | $40 | $1,757 | $146 |
| Allstate | $1,086 | $91 | $2,956 | $246 |
| Indiana Farm Bureau | $690 | $58 | $3,233 | $269 |
| State Farm (Nov. 2025 rates)* | $730 | $61 | $2,635 | $220 |
| USAA (military families)* | $385 | $32 | $1,115 | $93 |
| GEICO* | $437 | $36 | $1,295 | $108 |
| Travelers* | $482 | $40 | $1,533 | $128 |
| Indiana Farmers* | $580 | $48 | $2,367 | $197 |
| Farmers* | $1,042 | $87 | $2,594 | $216 |
| Indianapolis average | $655 | $55 | $2,308 | $192 |
This table uses Indianapolis ZIP codes only. See how we calculated these rates.
Across the 35 Indianapolis ZIP codes we price, full coverage for our driver ranges from about $165 a month in 46280 to $216 in 46218, a gap of $607 a year. 46280, on the far north side next to Carmel, is the least expensive Indianapolis ZIP code in our data, and near-east and near-northwest ZIP codes such as 46218 and 46208 the most expensive.
Lowest-priced Indianapolis ZIP codes
Highest-priced Indianapolis ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Indianapolis’ average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 46201 | $669 | $56 | $2,486 | $207 | +8% |
| 46202 | $670 | $56 | $2,463 | $205 | +7% |
| 46203 | $662 | $55 | $2,397 | $200 | +4% |
| 46204 | $660 | $55 | $2,400 | $200 | +4% |
| 46205 | $684 | $57 | $2,485 | $207 | +8% |
| 46208 | $681 | $57 | $2,530 | $211 | +10% |
| 46214 | $663 | $55 | $2,259 | $188 | -2% |
| 46217 | $654 | $55 | $2,248 | $187 | -3% |
| 46218 | $674 | $56 | $2,589 | $216 | +13% |
| 46219 | $656 | $55 | $2,365 | $197 | +3% |
| 46220 | $663 | $55 | $2,338 | $195 | +2% |
| 46221 | $655 | $55 | $2,374 | $198 | +3% |
| 46222 | $676 | $56 | $2,515 | $210 | +9% |
| 46224 | $666 | $56 | $2,402 | $200 | +4% |
| 46225 | $665 | $55 | $2,346 | $196 | +2% |
| 46226 | $658 | $55 | $2,421 | $202 | +5% |
| 46227 | $660 | $55 | $2,274 | $190 | -1% |
| 46228 | $662 | $55 | $2,353 | $196 | +2% |
| 46229 | $645 | $54 | $2,258 | $188 | -2% |
| 46231 | $654 | $55 | $2,226 | $186 | -3% |
| 46234 | $651 | $54 | $2,225 | $185 | -4% |
| 46235 | $640 | $53 | $2,314 | $193 | +1% |
| 46236 | $645 | $54 | $2,192 | $183 | -5% |
| 46237 | $632 | $53 | $2,127 | $177 | -8% |
| 46239 | $644 | $54 | $2,261 | $188 | -2% |
| 46240 | $655 | $55 | $2,184 | $182 | -5% |
| 46241 | $655 | $55 | $2,320 | $193 | +1% |
| 46250 | $640 | $53 | $2,152 | $179 | -7% |
| 46254 | $672 | $56 | $2,349 | $196 | +2% |
| 46256 | $638 | $53 | $2,166 | $181 | -6% |
| 46259 | $606 | $51 | $2,055 | $171 | -11% |
| 46260 | $661 | $55 | $2,246 | $187 | -3% |
| 46268 | $656 | $55 | $2,274 | $190 | -1% |
| 46278 | $637 | $53 | $2,188 | $182 | -5% |
| 46280 | $616 | $51 | $1,982 | $165 | -14% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Indianapolis data: with the same $500 deductibles, full coverage averages $2,308 a year and 50/100/50 averages $2,293. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Auto-Owners charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not by much, for our benchmark driver. Comparing the same insurers in the same Indianapolis ZIP codes, full coverage averaged $2,316 a year in rates as of Nov. 30, 2025, and $2,308 as of Aug. 31, 2026, a 0.3% drop. Progressive cut its Indianapolis average 2.1% and Indiana Farm Bureau 0.9%, while Auto-Owners raised its average 1.5%; Allstate’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/10 limits fell 2.2%, led by Indiana Farm Bureau, which cut its liability-only average 8.0%.
Marion County averages about $193 a month for full coverage, the eighth-most expensive of the 86 Indiana counties we price.
The suburbs around the city cost less: Carmel averages about $159 a month, Fishers $164, Greenwood $165 and Plainfield $163. Where you live is one of the factors Indiana insurers use, so neighboring cities can be priced differently.
More Indiana cities and towns are in the Indiana rates by city table, and you can compare states on our car insurance rates by state page.
Carmel, about 14 miles north, averages $159 a month, Fishers $164 and Greenwood, about 10 miles south, $165.
Drivers in Indianapolis follow Indiana’s rules. Every policy must include at least 25/50/25 liability coverage:
Every new Indiana policy also includes uninsured and underinsured motorist coverage unless you reject it in writing.
Our Indiana requirements guide covers the details and what happens if you’re caught without insurance.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Indiana law and the Indiana Department of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Indianapolis averages about $192 a month ($2,308 a year) and liability-only coverage at 25/50/10 limits about $55 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 7% above the Indiana average of $180 a month.
Progressive has the lowest full-coverage average in our Indianapolis rate data, at about $107 a month, followed by Auto-Owners at $146. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average, at about $30 a month. The recent published statewide Indiana rate studies we reviewed are split on which insurer is cheapest for full coverage: two of the five put GEICO first, two Travelers and one Progressive, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Carmel, for our benchmark driver. Carmel full coverage averages about $159 a month and Indianapolis about $192, a difference of about $33 a month.
In our data, 46280 has the lowest full-coverage average in Indianapolis, at about $165 a month, and 46218 the highest, at about $216. The ZIP code table on this page lists all 35.
In our Indianapolis data, full coverage (100/300/100 with $500 deductibles) averages about $192 a month and liability-only coverage at 25/50/10 limits about $55, a difference of about $137 a month ($1,653 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not by much, for our benchmark driver. Comparing the same insurers and ZIP codes, Indianapolis full coverage fell 0.3% between November 2025 and August 2026, from about $2,316 to $2,308 a year. Progressive cut its Indianapolis average 2.1% and Indiana Farm Bureau 0.9%, while Auto-Owners raised its average 1.5%. Liability-only coverage at 25/50/10 limits fell 2.2%.
