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Last updated: August 29, 2025Best Cheap Car Insurance in Indianapolis
State Farm, USAA, GEICO, Hastings Mutual, and Buckeye are our top picks in Indianapolis.
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The Indianapolis metro area has been growing in recent years, especially the suburbs, where cars are often necessary.1 Although auto insurance in Indiana is almost 30 percent cheaper than the national average, prices have gone up across the board. Indianapolis is among the pricier places in the state to insure your car.
Key Takeaways
- Our overall choice for the best cheap auto insurance in Indianapolis is Hastings Mutual. The company that balances price and positive customer service the best is State Farm, and the best choice for veterans and active military members is USAA.
- Honorable mentions include Buckeye and GEICO.
- Prices can vary based on factors such as your age, your driving history and the number of cars insured, so it’s worth shopping around to see which company has the best rate for your individual situation.
Our Top Picks for the Best Cheap Auto Insurance in Indianapolis
- Best for Military Members and Veterans: USAA
- Best Value: State Farm
- Best for Fast Quotes: GEICO
- Best for Safe Drivers: Hastings Mutual
- Best Regional Provider: Buckeye
Compare the Best Cheap Auto Insurance in Indianapolis
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | North Central Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| USAA | $1,396 | $519 | Above average |
| State Farm | Above average | ||
| GEICO | $1,495 | $491 | Above average |
| Hastings Mutual | $1,221 | Data unavailable | Not rated |
| Buckeye | $1,112 | $313 | Not rated |
| Indianapolis | $1,825 | $565 | – |
Detailed List of the Best Cheap Providers in Indianapolis
1. Best for Military Members and Veterans - USAA
What We Like Most:
- Cheapest in Indianapolis
- Membership passes on to spouses and children
- Military-specific coverage
Why we chose it
USAA is perhaps the country’s most dependably cheap auto insurance provider, and it consistently gets high ratings on customer satisfaction reports, like those compiled by J.D. Power.
Who it’s best for
USAA is a great choice for military members, veterans and their families. People with no affiliation with the U.S. military are not eligible for USAA.
Indianapolis pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $85 | $24 |
| Annually | $1,019 | $291 |
| Difference from Indianapolis average | -44% | -48% |
2. Best Value - State Farm
What We Like Most:
- Local Indianapolis agents
- Good telematics discount
- Solid value for price
Why we chose it
Nationally, State Farm receives high ratings for its customer service, and Indianapolis is no exception. While other providers such as Hastings Mutual also receive positive ratings, third-party sources such as J.D. Power more consistently confirm State Farm’s reputation.
Who it’s best for
State Farm is a good choice for people who are interested in balancing reliable customer service with affordable rates. Although it’s not the absolute cheapest option, State Farm is a reputable, balanced provider of auto insurance in Indianapolis.
Indianapolis pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $116 | $43 |
| Annually | $1,396 | $518 |
| Difference from Indianapolis average | -24% | -8% |
3. Best for Fast Quotes - GEICO
What We Like Most:
- Fast online quotes
- Strong digital tools
- Cheap rates for households with teens in Indiana
Why we chose it
GEICO is one of the biggest providers on our list. Although the company performs reliably well on third-party assessments of quality, other insurers have lower average rates for auto insurance in Indianapolis. That said, it’s worth getting a quote from GEICO because it has lower-than-average rates for both full and minimum coverage in Indianapolis and is one of the cheapest providers nationally. It also allows customers to quickly and easily purchase policies online.
Who it’s best for
GEICO is best for tech-savvy drivers who prefer to purchase and manage their policies digitally. It also has cheap rates in Indiana for drivers with low credit and households with teen drivers.
Indianapolis pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $125 | $41 |
| Annually | $1,495 | $491 |
| Difference from Indianapolis average | -18% | -13% |
4. Best for Safe Drivers - Hastings Mutual
What We Like Most:
- Headquartered in the midwest
- Cheap rates for full coverage
- Well-rated by CRASH Network for claims handling
Why we chose it
Hastings Mutual provided the best balance of low prices and positive third-party ratings. Although Hastings is slightly pricier than Buckeye, our research indicates that customers are reliably satisfied with Hastings Mutual.
Who it’s best for
Hastings Mutual is a good choice for customers who have relatively clean driving records and are looking for well-balanced, inexpensive auto insurance. If you’re a high-risk driver or have an extensive bad driving record in Indiana, other providers might be a better fit.
Indianapolis pricing
| Hastings Mutual | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $102 | Data unavailable |
| Annually | $1,221 | Data unavailable |
| Difference from Indianapolis average | -33% | – |
5. Best Regional Provider - Buckeye
What We Like Most:
- Regional focus
- Cheapest rates for non-military drivers
- Multiple Indianapolis agents
Why We Chose It
Buckeye Insurance Group is a smaller company that serves Ohio, Indiana and Kansas. In addition to auto insurance, Buckeye offers homeowners, farm and real estate insurance. We like the company for its competitive prices and regional focus. It’s a smaller regional company than Hastings, so is rated on fewer third-party measures, but has cheaper average rates in Indianapolis.
Indianapolis pricing
Buckeye has the cheapest average rates in Indianapolis after USAA, so it’s worth a look for drivers on a budget. It’s also best for those who prefer to shop with a local agent. According to its website, there are several independent agencies in Indianapolis that sell Buckeye policies.
Indianapolis pricing
| Buckeye | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $93 | $26 |
| Annually | $1,112 | $313 |
| Difference from Indianapolis average | -39% | -45% |
Indianapolis Best Cheap Picks — Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – North Central2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| USAA | 728 | D+ | 726 | 1.31 |
| State Farm | 646 | C- | 710 | 0.84 |
| GEICO | 651 | C- | 692 | 0.54 |
| Hastings Mutual | Not rated | B- | Not rated | 0.40 |
| Buckeye | Not rated | Not rated | Not rated | 0 |
| Average | 643 | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in Indianapolis
On average, USAA has the cheapest full coverage auto insurance in Indianapolis, but it is available only to military members, veterans and their families. Buckeye, Hastings Mutual and State Farm also have rates below the city and state averages.
| Company | Annual full coverage | Monthly full coverage |
|---|---|---|
| USAA | $1,019 | $85 |
| Buckeye | $1,112 | $93 |
| Hastings Mutual | $1,221 | $102 |
| State Farm | $1,396 | $116 |
| GEICO | $1,495 | $125 |
| Auto-Owners | $1,624 | $135 |
| Travelers | $1,728 | $144 |
| Indiana Farm Bureau | $1,835 | $153 |
| Progressive | $1,922 | $160 |
| Allstate | $3,335 | $278 |
| Indianapolis average | $1,825 | $152 |
| Indiana average | $1,713 | $143 |
| National average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Indianapolis
USAA is also the cheapest provider for minimum coverage auto insurance in Indianapolis, with an average annual rate of $291 (just over half the city average). Those who don’t qualify for USAA can get competitive minimum coverage rates from Buckeye, Auto-Owners and Farm Bureau.
| Company | Annual minimum coverage | Monthly minimum coverage |
|---|---|---|
| USAA | $291 | $24 |
| Buckeye | $313 | $26 |
| Auto-Owners | $413 | $34 |
| Farm Bureau | $483 | $40 |
| GEICO | $491 | $41 |
| State Farm | $518 | $43 |
| Progressive | $610 | $51 |
| Allstate | $1,006 | $84 |
| Indianapolis average | $565 | $47 |
| Indiana average | $500 | $42 |
| National average | $635 | $53 |
TIP:
Looking to switch insurers? Here’s our guide to changing car insurance providers.
How many auto collisions happen in Indianapolis?
According to official Indianapolis government data, there were 36,662 automotive collisions in Marion County in 2023; of these, 135 were fatal.6 While the government has not yet released data for 2024, Indianapolis Metro Planning Organization (IMPO), which keeps detailed records of the kind and quantity of serious collisions in the Indianapolis metropolitan area, reports that 614 vehicle crashes in the city of Indianapolis resulted in serious or fatal injuries in 2024.7
The IMPO also collects information on the frequency and cost of collisions at specific intersections. According to its data, the most collisions occurred at the intersection of 1st and Churchman avenues, while the costliest collisions overall happened at the intersection of Moller Road and 38th Street.8 Moller and 38th also had the highest combined frequency and cost of collisions.
FYI:
Dealing with the logistics of a collision can be difficult. Here’s our guide on who to call first after a car crash.
Minimum auto insurance requirements in Indiana
According to the Bureau of Motor Vehicles, Indiana state law mandates that drivers have at least the following auto insurance coverage:
- Bodily injury liability: $25,000 per person / $50,000 per accident
- Property damage liability: $25,000 per accident9
Frequently Asked Questions
What should I do if insurance providers deny me coverage?
If you are denied coverage with a particular insurance provider, first take a look at our list of the best car insurance companies for high-risk drivers to see if they will cover you. Another option if you are a high-risk driver or have other difficulties securing auto insurance in Indianapolis is the Indiana Auto Insurance Plan, which is accessible through any Indiana insurance agent. This state-organized, cross-company plan ensures that every Indiana driver has access to motorist insurance.10 Auto insurance through the state-assigned pool will likely be more expensive than average. Once your driving record improves, shop around with standard providers to see if you can find a lower rate.
What is a deductible?
A deductible is the amount of money you must pay toward a collision or comprehensive claim before insurance kicks in to cover the rest. For example, if you have a $500 deductible and incur $2,000 in damage to your car, you will pay $500 and the insurance will provide the remaining $1,500. Deductibles vary based on the plan you select, with lower deductibles typically costing more per month.
What does car insurance cover?
On the most basic level, auto insurance helps pay for damages incurred as a result of collisions. These include property damage as well as medical expenses. More comprehensive plans can include what insurance companies call “acts of God,” meaning events like tornadoes or storms. Minimum coverage will not pay for damage if a tree falls on your car during a rainstorm, but more comprehensive coverage might.
What is gap insurance?
Gap insurance covers the difference between the amount the auto insurer pays and the amount you owe on the lease or loan. Auto insurers pay for damages based on the car’s market value at the time of a collision. This can create a problem if you financed your vehicle and the amount you owe on the loan is more than the car’s market value.
For example, say you owe $14,000 in car payments but your car is valued at $5,000. If you total your car, insurance will pay out your car’s $5,000 market value, leaving you on the hook for the remaining $9,000. Gap insurance is designed to cover the remaining $9,000 (minus any deductible).
Will I qualify for discounts?
Many providers offer car insurance discounts, but they vary from company to company. These include discounts for owners of multiple vehicles, low-mileage drivers, car owners with a demonstrated record of safe driving, and more.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Indianapolis, Indiana for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Medical payments: $5,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Indianapolis Suburbs Drive Metro Area Growth. Axios Indianapolis. (2024, March 20).
https://www.axios.com/local/indianapolis/2024/03/20/indianapolis-suburbs-drive-metro-area-growthIt’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-study2025 Insurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htm2023 County Profiles. Indiana Criminal Justice Institute. (2023).
https://www.in.gov/cji/research/files/2023-County-Profiles-PDF.pdfCrash Dashboard with Splashscreen. Esri ArcGIS Experience. (2025).
https://experience.arcgis.com/experience/fa54891c4a8740db9098da65dacaa076IMPO Safety Study 2023. (2023).
https://d144uep0xgc2gz.cloudfront.net/downloads/Data/2023-IMPO-Safety-Study.pdfProof of Financial Responsibility. Indiana Bureau of Motor Vehicles. (2025).
https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/Auto Insurance. Indiana Department of Insurance. (2025).
https://www.in.gov/idoi/consumer-services/types-of-insurance/auto-insurance/
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