- Average car insurance cost in Indianapolis is $2,136 per year, or $178 per month, for a policy with full coverage.
- Car insurance rates for a few popular vehicles in Indianapolis include the Toyota Camry at $2,294 per year, Hyundai Elantra at $2,322, and Subaru Forester at $1,900.
- For cheap car insurance in Indianapolis, compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Nissan Kicks, and Toyota Corolla Cross have some of the best auto insurance rates.
- Vehicles with segment-leading car insurance rates in Indianapolis include the Jaguar E-Pace ($1,996 per year), Toyota GR Corolla ($1,856 per year), Honda Passport ($1,702 per year), and Subaru Crosstrek ($1,576 per year).
- Auto insurance quotes in Indianapolis can vary from as low as $35 per month for a liability-only policy to over $668 per month for drivers requiring high-risk coverage.
How much does car insurance cost in Indianapolis?
In Indianapolis, the average car insurance expense is $2,136 per year, which is 3.9% less than the national average rate of $2,221. Per month, Indianapolis car insurance costs around $178 for a full coverage policy.
The average car insurance cost in Indiana is $2,034 per year, so Indianapolis drivers pay an average of $102 more per year than the overall Indiana state-wide average rate. The cost to insure a vehicle in Indianapolis compared to other Indiana cities is about $70 per year more expensive than in Evansville, $140 per year more expensive than in Fort Wayne, and $156 per year more than in South Bend.
The age of the rated driver is one of the largest influencers on the price you pay for auto insurance, so the list below details how age impacts cost by breaking down average car insurance rates for driver ages 16 through 60.
Average car insurance cost for Indianapolis drivers age 16 to 60
- 16 year old – $7,611 per year or $634 per month
- 17 year old – $7,373 per year or $614 per month
- 18 year old – $6,606 per year or $551 per month
- 19 year old – $6,016 per year or $501 per month
- 20 year old – $4,300 per year or $358 per month
- 30 year old – $2,278 per year or $190 per month
- 40 year old – $2,136 per year or $178 per month
- 50 year old – $1,894 per year or $158 per month
- 60 year old – $1,774 per year or $148 per month
The chart below shows examples of average Indianapolis car insurance cost. Rates are averaged for all Indianapolis Zip Codes and shown based on an assortment of driver ages, policy deductibles, and potential risk scenarios.

Average car insurance rates in the previous chart range from $1,778 per year for a 40-year-old driver with a great rate thanks to policy discounts to $4,912 per year for a 30-year-old driver with too many violations and accidents.
When the rates shown in the chart are converted to monthly figures, the average cost of car insurance per month in Indianapolis ranges from $148 to $409.
The cost to insure specific vehicles
The car insurance rates mentioned previously are averaged for every 2024 model year vehicle, which is useful for making big picture comparisons such as the difference in average auto insurance cost by location or driver age.
For more useful auto insurance cost comparisons, however, the rates will be more accurate if we instead look at the exact vehicle being insured. In the next few sections, we explore all kinds of rates for different makes and models, but for now, we will just look at the most popular vehicles to find out how car insurance rates stack up in Indianapolis.
The chart below details average car insurance cost for a small sample of popular cars, pickups, and SUVs you’ll find driving the streets of Indianapolis.

The vehicles that have high popularity in Indianapolis tend to be compact or midsize cars like the Toyota Corolla and Kia K5 and compact and midsize SUVs like the Honda CR-V, Ford Escape, and Toyota Highlander.
Additional popular vehicles from other vehicle segments include luxury SUVs like the Lexus RX 350, BMW X5, and Infiniti QX60, luxury cars like the Tesla Model S, BMW 530i, and Infiniti Q50, and pickup trucks like the Ford Ranger, Chevy Silverado, and Ford F-150.
We explore rates in much more detail a little later in this article, but first, let’s take a condensed look at the main concepts we covered so far.
- Car insurance rates drop significantly from age 20 to 30 – The average 30-year-old Indianapolis driver will pay $2,022 less each year than a 20-year-old driver, $2,278 compared to $4,300.
- Indianapolis car insurance rates are more expensive than the Indiana state average – $2,136 (Indianapolis average) compared to $2,034 (Indiana average)
- Car insurance for teen drivers can be expensive – Rates can range from $5,088 to $7,611 per year to insure a teenager in Indianapolis.
- Indianapolis average car insurance cost is less than the U.S. average – $2,136 (Indianapolis average) compared to $2,221 (U.S. average)
- Average cost per month ranges from $148 to $634 – That is the average car insurance price range for drivers aged 16 to 60 in Indianapolis.
- A low deductible policy costs more – A 30-year-old driver pays an average of $582 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
Which vehicles cost the least to insure in Indianapolis?
When shopping for the best price on car insurance, Indianapolis drivers will find some of the cheapest rates on models like the Mazda CX-30, Honda CR-V, Kia Sportage, and Subaru Crosstrek. Average insurance rates for those models are between $1,928 and $1,576 per year, or $161 and $131 per month.
Some other models that rank towards the top in our insurance cost comparison are the Subaru Outback, Subaru Impreza, and Chevrolet Colorado. Cost is slightly higher for these models than the cheapest vehicles in the table, but they still average less than $142 per month.
The following table breaks down the 25 car, truck, and SUV models with the cheapest auto insurance in Indianapolis, ordered by annual cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $1,576 | $131 |
2 | Chevrolet Trailblazer | $1,604 | $134 |
3 | Kia Soul | $1,668 | $139 |
4 | Nissan Kicks | $1,682 | $140 |
5 | Honda Passport | $1,702 | $142 |
6 | Buick Envision | $1,710 | $143 |
7 | Toyota Corolla Cross | $1,720 | $143 |
8 | Hyundai Venue | $1,736 | $145 |
9 | Mazda CX-5 | $1,742 | $145 |
10 | Ford Bronco Sport | $1,750 | $146 |
11 | Volkswagen Tiguan | $1,766 | $147 |
12 | Acura RDX | $1,786 | $149 |
13 | Nissan Murano | $1,794 | $150 |
14 | Buick Encore | $1,814 | $151 |
15 | Subaru Outback | $1,818 | $152 |
16 | Honda CR-V | $1,822 | $152 |
17 | Buick Envista | $1,828 | $152 |
18 | Volkswagen Taos | $1,830 | $153 |
19 | Kia Niro | $1,838 | $153 |
20 | Toyota GR Corolla | $1,856 | $155 |
21 | Subaru Ascent | $1,858 | $155 |
22 | Honda HR-V | $1,860 | $155 |
23 | Nissan Leaf | $1,872 | $156 |
24 | Chevrolet Colorado | $1,882 | $157 |
25 | Honda Civic | $1,890 | $158 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Indianapolis, IN Zip Codes. Updated June 27, 2025
A list of 25 ranked vehicles is not the best way to show a full summary of the cost of car insurance. A more useful way to examine auto insurance rates for different vehicles is by breaking them out by automotive segment.
The next section of this article illustrates the cost of insurance based on different automotive segments. The rates shown should give a good understanding of which vehicles have the least expensive average auto insurance rates. Then the following six sections show the cheapest rates for individual models in each segment.
Indianapolis auto insurance rates by automotive segment
If you’re shopping for a new or used vehicle, it’s important to have a basic understanding of which categories of vehicles are less expensive to insure. For example, maybe you’re wondering if compact SUVs are cheaper to insure than midsize SUVs or which size car has cheaper auto insurance.
The next chart shows average car insurance cost by vehicle segment in Indianapolis. From a segment perspective, small SUVs, vans, and midsize pickups have the cheapest rates, with sports cars and performance luxury models having the most expensive overall car insurance rates.

Average rates by segment are handy for getting a ballpark comparison, but the insurance cost for specific vehicles ranges considerably within each automotive segment listed in the chart above.
For example, in the small luxury car segment, Indianapolis auto insurance rates range from the Acura Integra at $1,898 per year to the BMW M340i at $2,610 per year.
Also, in the large SUV segment, the cost of insurance ranges from the Chevrolet Tahoe at $2,006 per year to the Toyota Sequoia costing $2,674 per year, a difference of $668 within that segment.
In the next parts of this article, we eliminate this variability by looking at car insurance cost in Indianapolis for specific makes and models of vehicles.
Cheapest car insurance rates in Indianapolis
Some of the cheaper non-luxury sedans to insure in Indianapolis are the Toyota Corolla, the Subaru Impreza, the Volkswagen Golf, and the Chevrolet Spark.
A few additional vehicles that rank very well when comparing annual rates are the Mazda 3, Honda Insight, Honda Civic, and Kia Rio. Ranking lower than the top ten, but still having more affordable rates than most vehicles, are the Honda Accord, the Volkswagen Passat, the Kia Forte, and the Chevrolet Malibu.
The table below lists the models with the cheapest car insurance rates in Indianapolis, ordered starting with the cheapest.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $1,856 | $155 |
Nissan Leaf | Compact | $1,872 | $156 |
Honda Civic | Compact | $1,890 | $158 |
Nissan Sentra | Compact | $1,956 | $163 |
Subaru Impreza | Compact | $1,964 | $164 |
Toyota Prius | Compact | $1,996 | $166 |
Kia K5 | Midsize | $2,060 | $172 |
Honda Accord | Midsize | $2,064 | $172 |
Chevrolet Malibu | Midsize | $2,070 | $173 |
Toyota Corolla | Compact | $2,080 | $173 |
Kia Forte | Compact | $2,084 | $174 |
Volkswagen Arteon | Midsize | $2,098 | $175 |
Nissan Versa | Compact | $2,104 | $175 |
Subaru Legacy | Midsize | $2,110 | $176 |
Hyundai Ioniq 6 | Midsize | $2,124 | $177 |
Mitsubishi Mirage G4 | Compact | $2,156 | $180 |
Toyota Crown | Midsize | $2,162 | $180 |
Volkswagen Jetta | Compact | $2,162 | $180 |
Hyundai Sonata | Midsize | $2,164 | $180 |
Mazda 3 | Compact | $2,212 | $184 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Indianapolis, IN Zip Codes. Updated June 26, 2025
For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Indianapolis car insurance quotes from the best companies in Indiana.
Cheapest SUV insurance rates in Indianapolis
For non-luxury SUVs, some of the least expensive vehicles to insure in Indianapolis are the Kia Sportage, the Honda CR-V, and the Toyota C-HR.
Other models that rank very well in our insurance cost comparison are the Mazda CX-5, Ford Edge, Volkswagen Atlas, and Subaru Crosstrek. Having slightly higher rates, but still better than most vehicles, are the Kia Soul, Hyundai Kona, Kia Telluride, and Jeep Compass.
The next table details the models with the cheapest auto insurance in Indianapolis, sorted by average cost.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $1,576 | $131 |
Chevrolet Trailblazer | Compact | $1,604 | $134 |
Kia Soul | Compact | $1,668 | $139 |
Nissan Kicks | Compact | $1,682 | $140 |
Honda Passport | Midsize | $1,702 | $142 |
Buick Envision | Compact | $1,710 | $143 |
Toyota Corolla Cross | Compact | $1,720 | $143 |
Hyundai Venue | Compact | $1,736 | $145 |
Mazda CX-5 | Compact | $1,742 | $145 |
Ford Bronco Sport | Compact | $1,750 | $146 |
Volkswagen Tiguan | Compact | $1,766 | $147 |
Nissan Murano | Midsize | $1,794 | $150 |
Buick Encore | Compact | $1,814 | $151 |
Subaru Outback | Midsize | $1,818 | $152 |
Honda CR-V | Compact | $1,822 | $152 |
Buick Envista | Midsize | $1,828 | $152 |
Volkswagen Taos | Compact | $1,830 | $153 |
Kia Niro | Compact | $1,838 | $153 |
Subaru Ascent | Midsize | $1,858 | $155 |
Honda HR-V | Compact | $1,860 | $155 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Indianapolis, IN Zip Codes. Updated June 26, 2025
See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.
Don’t see insurance cost for your SUV? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Indianapolis car insurance quotes from top-rated companies in Indiana.
Cheapest pickups to insure in Indianapolis
For pickup trucks, a few of the least expensive vehicles to insure in Indianapolis are the Chevrolet Colorado, the Ford Ranger, and the Nissan Frontier. The cost to insure these pickup models in Indianapolis with full coverage insurance averages $188 per month or less.
Other models that fair very well when comparing annual rates are the Toyota Tundra, Ford F150, GMC Canyon, and Honda Ridgeline. These vehicles have an average cost of $212 per month or less to insure for full coverage in Indianapolis.
The following table lists the pickups with the cheapest overall insurance rates in Indianapolis, ordered starting with the cheapest.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $1,882 | $157 |
Nissan Titan | Full-size | $2,000 | $167 |
Nissan Frontier | Midsize | $2,022 | $169 |
Ford Ranger | Midsize | $2,042 | $170 |
Ford Maverick | Midsize | $2,070 | $173 |
Honda Ridgeline | Midsize | $2,120 | $177 |
Hyundai Santa Cruz | Midsize | $2,158 | $180 |
Toyota Tacoma | Midsize | $2,162 | $180 |
GMC Sierra 2500 HD | Heavy Duty | $2,174 | $181 |
GMC Canyon | Midsize | $2,198 | $183 |
Jeep Gladiator | Midsize | $2,250 | $188 |
GMC Sierra 3500 | Heavy Duty | $2,264 | $189 |
Chevrolet Silverado HD 3500 | Heavy Duty | $2,284 | $190 |
Chevrolet Silverado HD 2500 | Heavy Duty | $2,346 | $196 |
GMC Sierra | Full-size | $2,360 | $197 |
Chevrolet Silverado | Full-size | $2,362 | $197 |
Nissan Titan XD | Heavy Duty | $2,364 | $197 |
Ford F150 | Full-size | $2,390 | $199 |
GMC Hummer EV Pickup | Full-size | $2,450 | $204 |
Ram Truck | Full-size | $2,470 | $206 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Indianapolis, IN Zip Codes. Updated June 26, 2025
See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.
Don’t see your pickup model? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Indianapolis car insurance quotes from top-rated auto insurance companies in Indiana.
Cheapest sports cars to insure in Indianapolis
Some of the cheaper sports cars to insure in Indianapolis include the Toyota Supra, the Ford Mustang, and the Subaru WRX. These vehicles cost $195 per month or less for the average auto insurance policy.
Additional vehicles that rank near the top in our comparison are the Chevrolet Camaro, Chevrolet Corvette, Nissan 370Z, and Porsche 718.
The following table details the sports cars with the cheapest insurance rates in Indianapolis, ordered starting with the cheapest.
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $1,976 | $165 |
Toyota GR86 | Sports Car | $2,252 | $188 |
Ford Mustang | Sports Car | $2,346 | $196 |
BMW Z4 | Sports Car | $2,362 | $197 |
Subaru WRX | Sports Car | $2,396 | $200 |
Toyota GR Supra | Sports Car | $2,400 | $200 |
BMW M2 | Sports Car | $2,470 | $206 |
Nissan Z | Sports Car | $2,476 | $206 |
Lexus RC F | Sports Car | $2,524 | $210 |
Subaru BRZ | Sports Car | $2,554 | $213 |
BMW M3 | Sports Car | $2,698 | $225 |
Porsche 718 | Sports Car | $2,752 | $229 |
Chevrolet Camaro | Sports Car | $2,778 | $232 |
Chevrolet Corvette | Sports Car | $2,960 | $247 |
Porsche 911 | Sports Car | $3,060 | $255 |
BMW M4 | Sports Car | $3,188 | $266 |
Lexus LC 500 | Sports Car | $3,204 | $267 |
Jaguar F-Type | Sports Car | $3,370 | $281 |
Mercedes-Benz AMG GT53 | Sports Car | $3,536 | $295 |
Porsche Taycan | Sports Car | $3,618 | $302 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Indianapolis, IN Zip Codes. Updated June 26, 2025
Don’t see your sports car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Indiana.
Cheapest luxury car insurance rates in Indianapolis
For luxury two and four-door cars, some of the cheaper vehicles to insure in Indianapolis include the Acura ILX, the Acura TLX, the Lexus ES 350, and the Mercedes-Benz A220.
Additional luxury cars that fair well in the table below are the Volvo S90, BMW i3, Cadillac CT4, and Genesis G70.
Having higher monthly rates, but still affordable at an average of $192 per month or less, are the Lexus RC 300, the Audi S3, the BMW Z4, and the Audi A3.
The next table lists the models with the cheapest car insurance in Indianapolis, sorted by average cost.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $1,898 | $158 |
BMW 330i | Compact | $2,176 | $181 |
Mercedes-Benz CLA250 | Midsize | $2,198 | $183 |
Lexus IS 300 | Midsize | $2,204 | $184 |
Acura TLX | Compact | $2,210 | $184 |
Cadillac CT4 | Compact | $2,230 | $186 |
Lexus ES 350 | Midsize | $2,230 | $186 |
Genesis G70 | Compact | $2,236 | $186 |
Mercedes-Benz AMG CLA35 | Midsize | $2,240 | $187 |
Lexus RC 300 | Midsize | $2,246 | $187 |
Lexus IS 350 | Compact | $2,256 | $188 |
Jaguar XF | Midsize | $2,260 | $188 |
Cadillac CT5 | Midsize | $2,304 | $192 |
Lexus ES 250 | Midsize | $2,312 | $193 |
Lexus RC 350 | Compact | $2,318 | $193 |
BMW 330e | Compact | $2,322 | $194 |
BMW 228i | Compact | $2,326 | $194 |
BMW 230i | Compact | $2,342 | $195 |
Lexus ES 300h | Midsize | $2,348 | $196 |
Audi S3 | Compact | $2,394 | $200 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Indianapolis, IN Zip Codes. Updated June 26, 2025
See our guide for luxury car insurance to view any vehicles not shown in the table.
Looking for rates for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Indianapolis car insurance quotes from the best auto insurance companies in Indiana.
Cheapest luxury SUV insurance rates in Indianapolis
For luxury SUVs, a few of the least expensive models to insure in Indianapolis are the Acura RDX, the Acura MDX, and the Cadillac XT4. These luxury SUVs cost $178 per month or less for an average full-coverage auto insurance policy.
Other vehicles that rank close to the top in our insurance cost comparison are the Volvo XC60, the Cadillac XT5, the Lexus NX 300, and the Volvo XC90. These vehicles all cost $188 per month or less for full coverage insurance. Having slightly higher cost, but still better than most other luxury vehicles in Indianapolis, are the Lexus UX 250H, Lincoln Corsair, Mercedes-Benz GLC300, and Lexus RX 350.
The table below breaks down the top 20 cheapest luxury SUVs to insure in Indianapolis, ordered by annual cost.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $1,786 | $149 |
Lexus NX 250 | Compact | $1,890 | $158 |
Cadillac XT4 | Compact | $1,928 | $161 |
Jaguar E-Pace | Midsize | $1,996 | $166 |
Cadillac XT5 | Midsize | $2,016 | $168 |
Lexus NX 350h | Compact | $2,016 | $168 |
Lincoln Corsair | Compact | $2,040 | $170 |
Mercedes-Benz GLB 250 | Compact | $2,044 | $170 |
Lexus UX 250h | Compact | $2,050 | $171 |
Lexus NX 450h | Compact | $2,060 | $172 |
Infiniti QX50 | Midsize | $2,076 | $173 |
Mercedes-Benz GLA250 | Compact | $2,084 | $174 |
Cadillac XT6 | Midsize | $2,090 | $174 |
Mercedes-Benz GLA35 AMG | Compact | $2,090 | $174 |
Infiniti QX60 | Midsize | $2,100 | $175 |
Mercedes-Benz AMG GLB35 | Midsize | $2,104 | $175 |
Land Rover Evoque | Compact | $2,132 | $178 |
Acura MDX | Midsize | $2,134 | $178 |
Lexus NX 350 | Compact | $2,142 | $179 |
Lexus RX 350 | Midsize | $2,142 | $179 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Indianapolis, IN Zip Codes. Updated June 26, 2025
For more car insurance comparisons, see our guide for luxury SUV insurance.
Don’t see insurance cost for your luxury SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Indiana.
How to find cheaper Indianapolis auto insurance
Smart drivers in Indianapolis are always looking to cut the monthly cost of insurance So read through the money-saving ideas in the list below and maybe you’ll find a way to save some money the next time you need to insure a vehicle.
- Pay small claims out-of-pocket. Insurance companies reduce rates a little if you have no claims on your account. Car insurance should be used for large financial hits, not small claims.
- Buy vehicles with more affordable insurance. The vehicle you drive is a huge factor in the cost of insurance. As an example, a Subaru Forester costs $1,060 less per year to insure in Indianapolis than a Chevrolet Corvette. Lower performance vehicles cost less to insure.
- Bring up your credit score and save. Having excellent credit of 800+ may save up to $335 per year compared to a good credit rating of 670-739. Conversely, a below average credit score could cost up to $389 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Compare car insurance quote before buying a car. Different cars have very different car insurance rates, and companies can charge widely varying rates. Get plenty of comparison quotes before you buy a different car so you can avoid price shock when buying coverage for your new car.
- Qualify for discounts to lower insurance cost. Discounts may be available if the insureds are claim-free, are senior citizens, insure multiple vehicles on the same policy, insure their home and car with the same company, or many other discounts which could save the average Indianapolis driver as much as $358 per year on their insurance cost.