Indianapolis Car Insurance Cost – 2025 Rates + Cheapest to Insure

How much will auto insurance cost in Indianapolis? We compare insurance rates to find the vehicles with cheap car insurance in Indianapolis.

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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 Indianapolis for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Indianapolis for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Indianapolis includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Indianapolis, IN
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,912$409
Safe Driver Age 20$4,300$358
At-fault Accidents Age 40$3,026$252
Low Deductibles Age 40$2,796$233
Safe Driver Age 30$2,278$190
Safe Driver Age 40$2,136$178
Safe Driver Age 50$1,894$158
High Deductibles Age 40$1,798$150
Discount Rate Age 40$1,778$148
Safe Driver Age 60$1,774$148

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

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 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.

Average cost to insure popular 2024 model year vehicles in Indianapolis.
Figure 2: Average cost to insure popular 2024 model year vehicles in Indianapolis. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Indianapolis Zip Codes.

Indianapolis Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,576$131
Mazda CX-5$1,742$145
Honda CR-V$1,822$152
Nissan Rogue$1,920$160
Ford Explorer$1,940$162
Ford Escape$1,950$163
Nissan Sentra$1,956$163
Chevrolet Equinox$1,968$164
Toyota RAV4$1,970$164
Chevrolet Traverse$1,996$166
Honda Accord$2,064$172
Toyota Tacoma$2,162$180
Toyota Camry$2,294$191
Hyundai Elantra$2,322$194
Ford Mustang$2,346$196
Chevrolet Silverado$2,362$197
Ford F150$2,390$199
Ram Truck$2,470$206
Chevrolet Corvette$2,960$247

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 for the 2024 model year and also for all Indianapolis, IN Zip Codes. Updated June 26, 2025

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.

Top 25 Cheapest Cars, Trucks, and SUVs to Insure in Indianapolis
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,576$131
2Chevrolet Trailblazer$1,604$134
3Kia Soul$1,668$139
4Nissan Kicks$1,682$140
5Honda Passport$1,702$142
6Buick Envision$1,710$143
7Toyota Corolla Cross$1,720$143
8Hyundai Venue$1,736$145
9Mazda CX-5$1,742$145
10Ford Bronco Sport$1,750$146
11Volkswagen Tiguan$1,766$147
12Acura RDX$1,786$149
13Nissan Murano$1,794$150
14Buick Encore$1,814$151
15Subaru Outback$1,818$152
16Honda CR-V$1,822$152
17Buick Envista$1,828$152
18Volkswagen Taos$1,830$153
19Kia Niro$1,838$153
20Toyota GR Corolla$1,856$155
21Subaru Ascent$1,858$155
22Honda HR-V$1,860$155
23Nissan Leaf$1,872$156
24Chevrolet Colorado$1,882$157
25Honda 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

Top 25 cheapest vehicles to insure in Indianapolis, IN with the Subaru Crosstrek ranking first at $1,576 per year
Top 25 cheapest vehicles to insure in Indianapolis, IN with the Subaru Crosstrek ranking first at $1,576 per year

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.

Car insurance average cost by automotive segment in Indianapolis, IN.
Figure 3: Car insurance average cost by automotive segment in Indianapolis, IN. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Indianapolis Zip Codes.

Car Insurance Rates by Automotive Segment in Indianapolis, IN
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,964$164
Midsize SUV$2,108$176
Compact Car$2,110$176
Minivan$2,114$176
Midsize Pickup$2,156$180
Midsize Car$2,178$182
Compact Luxury SUV$2,316$193
Compact Luxury Car$2,352$196
Large SUV$2,358$197
Half-ton Pickup$2,368$197
Heavy Duty Pickup$2,456$205
Midsize Luxury SUV$2,538$212
Midsize Luxury Car$2,620$218
Sports Car$2,934$245
Large Car$3,072$256
Large Luxury SUV$3,306$276
Large Luxury Car$3,416$285

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 2024 model year vehicles and also for all Indianapolis, IN Zip Codes. Updated June 27, 2025

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.

Cheapest Insurance for Cars in Indianapolis
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,856$155
Nissan LeafCompact$1,872$156
Honda CivicCompact$1,890$158
Nissan SentraCompact$1,956$163
Subaru ImprezaCompact$1,964$164
Toyota PriusCompact$1,996$166
Kia K5Midsize$2,060$172
Honda AccordMidsize$2,064$172
Chevrolet MalibuMidsize$2,070$173
Toyota CorollaCompact$2,080$173
Kia ForteCompact$2,084$174
Volkswagen ArteonMidsize$2,098$175
Nissan VersaCompact$2,104$175
Subaru LegacyMidsize$2,110$176
Hyundai Ioniq 6Midsize$2,124$177
Mitsubishi Mirage G4Compact$2,156$180
Toyota CrownMidsize$2,162$180
Volkswagen JettaCompact$2,162$180
Hyundai SonataMidsize$2,164$180
Mazda 3Compact$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

Ranking of the cheapest compact, midsize, and large cars to insure in Indianapolis, IN, with the Toyota GR Corolla ranking first at $1,856 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Indianapolis, IN, with the Toyota GR Corolla ranking first at $1,856 per year.

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.

Cheapest Insurance for SUVs in Indianapolis
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,576$131
Chevrolet TrailblazerCompact$1,604$134
Kia SoulCompact$1,668$139
Nissan KicksCompact$1,682$140
Honda PassportMidsize$1,702$142
Buick EnvisionCompact$1,710$143
Toyota Corolla CrossCompact$1,720$143
Hyundai VenueCompact$1,736$145
Mazda CX-5Compact$1,742$145
Ford Bronco SportCompact$1,750$146
Volkswagen TiguanCompact$1,766$147
Nissan MuranoMidsize$1,794$150
Buick EncoreCompact$1,814$151
Subaru OutbackMidsize$1,818$152
Honda CR-VCompact$1,822$152
Buick EnvistaMidsize$1,828$152
Volkswagen TaosCompact$1,830$153
Kia NiroCompact$1,838$153
Subaru AscentMidsize$1,858$155
Honda HR-VCompact$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

Ranking of the cheapest compact, midsize, and large SUVs to insure in Indianapolis, IN, with the Subaru Crosstrek ranking first at $1,576 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Indianapolis, IN, with the Subaru Crosstrek ranking first at $1,576 per year.

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.

Cheapest Insurance for Pickups in Indianapolis
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,882$157
Nissan TitanFull-size$2,000$167
Nissan FrontierMidsize$2,022$169
Ford RangerMidsize$2,042$170
Ford MaverickMidsize$2,070$173
Honda RidgelineMidsize$2,120$177
Hyundai Santa CruzMidsize$2,158$180
Toyota TacomaMidsize$2,162$180
GMC Sierra 2500 HDHeavy Duty$2,174$181
GMC CanyonMidsize$2,198$183
Jeep GladiatorMidsize$2,250$188
GMC Sierra 3500Heavy Duty$2,264$189
Chevrolet Silverado HD 3500Heavy Duty$2,284$190
Chevrolet Silverado HD 2500Heavy Duty$2,346$196
GMC SierraFull-size$2,360$197
Chevrolet SilveradoFull-size$2,362$197
Nissan Titan XDHeavy Duty$2,364$197
Ford F150Full-size$2,390$199
GMC Hummer EV PickupFull-size$2,450$204
Ram TruckFull-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

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Indianapolis, IN, with the Chevrolet Colorado ranking first at $1,882 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Indianapolis, IN, with the Chevrolet Colorado ranking first at $1,882 per year.

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.

Cheapest Insurance for Sports Cars in Indianapolis
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,976$165
Toyota GR86Sports Car$2,252$188
Ford MustangSports Car$2,346$196
BMW Z4Sports Car$2,362$197
Subaru WRXSports Car$2,396$200
Toyota GR SupraSports Car$2,400$200
BMW M2Sports Car$2,470$206
Nissan ZSports Car$2,476$206
Lexus RC FSports Car$2,524$210
Subaru BRZSports Car$2,554$213
BMW M3Sports Car$2,698$225
Porsche 718Sports Car$2,752$229
Chevrolet CamaroSports Car$2,778$232
Chevrolet CorvetteSports Car$2,960$247
Porsche 911Sports Car$3,060$255
BMW M4Sports Car$3,188$266
Lexus LC 500Sports Car$3,204$267
Jaguar F-TypeSports Car$3,370$281
Mercedes-Benz AMG GT53Sports Car$3,536$295
Porsche TaycanSports 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

Ranking of the cheapest sports cars to insure in Indianapolis, IN, with the Mazda MX-5 Miata ranking first at $1,976 per year.
Ranking of the cheapest sports cars to insure in Indianapolis, IN, with the Mazda MX-5 Miata ranking first at $1,976 per year.

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.

Cheapest Insurance for Luxury Cars in Indianapolis
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,898$158
BMW 330iCompact$2,176$181
Mercedes-Benz CLA250Midsize$2,198$183
Lexus IS 300Midsize$2,204$184
Acura TLXCompact$2,210$184
Cadillac CT4Compact$2,230$186
Lexus ES 350Midsize$2,230$186
Genesis G70Compact$2,236$186
Mercedes-Benz AMG CLA35Midsize$2,240$187
Lexus RC 300Midsize$2,246$187
Lexus IS 350Compact$2,256$188
Jaguar XFMidsize$2,260$188
Cadillac CT5Midsize$2,304$192
Lexus ES 250Midsize$2,312$193
Lexus RC 350Compact$2,318$193
BMW 330eCompact$2,322$194
BMW 228iCompact$2,326$194
BMW 230iCompact$2,342$195
Lexus ES 300hMidsize$2,348$196
Audi S3Compact$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

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Indianapolis, IN, with the Acura Integra ranking first at $1,898 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Indianapolis, IN, with the Acura Integra ranking first at $1,898 per year.

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.

Cheapest Insurance for Luxury SUVs in Indianapolis
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,786$149
Lexus NX 250Compact$1,890$158
Cadillac XT4Compact$1,928$161
Jaguar E-PaceMidsize$1,996$166
Cadillac XT5Midsize$2,016$168
Lexus NX 350hCompact$2,016$168
Lincoln CorsairCompact$2,040$170
Mercedes-Benz GLB 250Compact$2,044$170
Lexus UX 250hCompact$2,050$171
Lexus NX 450hCompact$2,060$172
Infiniti QX50Midsize$2,076$173
Mercedes-Benz GLA250Compact$2,084$174
Cadillac XT6Midsize$2,090$174
Mercedes-Benz GLA35 AMGCompact$2,090$174
Infiniti QX60Midsize$2,100$175
Mercedes-Benz AMG GLB35Midsize$2,104$175
Land Rover EvoqueCompact$2,132$178
Acura MDXMidsize$2,134$178
Lexus NX 350Compact$2,142$179
Lexus RX 350Midsize$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

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Indianapolis, IN, with the Acura RDX ranking first at $1,786 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Indianapolis, IN, with the Acura RDX ranking first at $1,786 per year.

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.