Indianapolis Car Insurance Cost – 2021 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 $1,484 per year, which is 2.6% less than the national average rate of $1,523. Per month, Indianapolis car insurance costs around $124 for a full coverage policy.

The average car insurance cost in Indiana is $1,092 per year, so Indianapolis drivers pay an average of $392 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 $354 per year more expensive than in Evansville, $420 per year more expensive than in Fort Wayne, and $438 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 – $5,314 per year or $443 per month
  • 17 year old – $4,964 per year or $414 per month
  • 18 year old – $4,634 per year or $386 per month
  • 19 year old – $4,194 per year or $350 per month
  • 20 year old – $2,946 per year or $246 per month
  • 30 year old – $1,562 per year or $130 per month
  • 40 year old – $1,484 per year or $124 per month
  • 50 year old – $1,350 per year or $113 per month
  • 60 year old – $1,326 per year or $111 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2021 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. Physical damage 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.
Indianapolis, IN Car Insurance Cost Summary
Average Car Insurance Cost in Indianapolis, IN
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,362$280
Safe Driver Age 20$2,946$246
At-fault Accidents Age 40$2,092$174
Low Deductibles Age 40$1,926$161
Safe Driver Age 30$1,562$130
Safe Driver Age 40$1,484$124
Safe Driver Age 50$1,350$113
Safe Driver Age 60$1,326$111
High Deductibles Age 40$1,254$105
Discount Rate Age 40$1,232$103

Average car insurance rates in the previous chart range from $1,232 per year for a 40-year-old driver with a great rate thanks to policy discounts to $3,362 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 $103 to $280.

The car insurance rates mentioned previously are averaged for every 2021 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Indianapolis car insurance cost is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Indianapolis Zip Codes.
Indianapolis Car Insurance Rates for Popular Vehicles
Indianapolis Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$1,192$99
Mazda CX-5$1,208$101
Chevrolet Equinox$1,268$106
Toyota Tacoma$1,306$109
Ford Escape$1,310$109
Nissan Rogue$1,316$110
Subaru Crosstrek$1,318$110
Nissan Sentra$1,326$111
Toyota RAV4$1,422$119
Ford Explorer$1,454$121
Chevrolet Traverse$1,474$123
Ford F150$1,474$123
Honda Accord$1,500$125
Toyota Camry$1,504$125
Ford Mustang$1,572$131
Ram Truck$1,600$133
Hyundai Elantra$1,624$135
Chevrolet Silverado$1,632$136
Jeep Cherokee$1,690$141
Chevrolet Corvette$1,850$154

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 $1,538 less each year than a 20-year-old driver, $1,740 compared to $3,278.
  • Indianapolis car insurance rates are more expensive than the Indiana state average – $1,484 (Indianapolis average) compared to $1,092 (Indiana average)
  • Car insurance for teen drivers can be expensive – Rates can range from $3,728 to $5,314 per year to insure a teenager in Indianapolis.
  • Indianapolis average car insurance cost is less than the U.S. average – $1,484 (Indianapolis average) compared to $1,523 (U.S. average)
  • Average cost per month ranges from $123 to $494 – 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 $454 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-3, Honda CR-V, Kia Sportage, and Subaru Crosstrek. Average insurance rates for those models are between $1,146 and $1,318 per year, or $96 and $110 per month.

Some other models that rank towards the top in our insurance cost comparison are the Subaru Outback, Mazda CX-30, 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 $107 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 Cost Monthly Cost
1Mazda CX-3$1,146$96
2Chevrolet Spark$1,156$96
3Honda CR-V$1,192$99
4Mazda CX-5$1,208$101
5Mazda CX-30$1,210$101
6Kia Rio5$1,212$101
7Ford Ecosport$1,216$101
8Toyota C-HR$1,218$102
9Toyota Corolla$1,222$102
10Hyundai Kona$1,226$102
11Nissan Rogue Sport$1,226$102
12Chevrolet Trax$1,236$103
13Chevrolet Colorado$1,238$103
14Kia Sedona$1,240$103
15Buick Envision$1,242$104
16Nissan Kicks$1,246$104
17Hyundai Venue$1,248$104
18Mitsubishi Eclipse Cross$1,248$104
19Hyundai Tucson$1,250$104
20Kia Sportage$1,252$104
21Ford Edge$1,260$105
22Jeep Compass$1,260$105
23Kia Soul$1,262$105
24Volkswagen Golf$1,262$105
25Acura RDX$1,264$105

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Indianapolis, IN.
    Top 25 Cheapest Cars, Trucks, and SUVs to Insure in Indianapolis

    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 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Indianapolis car insurance cost by segment is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Indianapolis Zip Codes.
    Indianapolis Auto Insurance Rates by Automotive Segment
    Indianapolis Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Large Van$1,342$112
    Small SUV$1,344$112
    Midsize Truck$1,350$113
    Midsize Van$1,384$115
    Midsize Minivan$1,406$117
    Small Car$1,452$121
    Midsize SUV$1,480$123
    Midsize Car$1,534$128
    Large Truck$1,562$130
    Small Luxury SUV$1,598$133
    Large SUV$1,600$133
    Large Car$1,664$139
    Midsize Luxury SUV$1,724$144
    Small Luxury Car$1,728$144
    Heavy Duty Truck$1,774$148
    Midsize Luxury Car$1,988$166
    Sports Car$2,106$176
    Large Luxury SUV$2,140$178
    Large Luxury Car$2,358$197
    Exotic Car$2,986$249

    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 Mercedes-Benz A220 at $1,436 per year to the BMW M4 at $2,418 per year.

    Also, in the large SUV segment, the cost of insurance ranges from the Chevrolet Tahoe at $1,532 per year to the GMC Yukon costing $1,658 per year, a difference of $126 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/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet SparkCompact$1,156$96
    Kia Rio5Compact$1,212$101
    Toyota CorollaCompact$1,222$102
    Volkswagen GolfCompact$1,262$105
    Subaru ImprezaCompact$1,272$106
    Nissan SentraCompact$1,326$111
    Honda CivicCompact$1,340$112
    Mazda 3Compact$1,340$112
    Kia RioCompact$1,364$114
    Honda InsightMidsize$1,368$114
    Hyundai AccentCompact$1,376$115
    Mazda 6Midsize$1,390$116
    Kia ForteCompact$1,396$116
    Chevrolet MalibuMidsize$1,402$117
    Toyota PriusCompact$1,476$123
    Subaru LegacyMidsize$1,486$124
    Kia CadenzaFull-size$1,488$124
    Honda AccordMidsize$1,500$125
    Toyota CamryMidsize$1,504$125
    Volkswagen PassatMidsize$1,508$126

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Indianapolis, IN.
      Cheapest Insurance for Cars in Indianapolis

      Some of the more popular non-luxury cars that did not make the list include the Hyundai Sonata at an average of $1,698 per year, the Hyundai Elantra costing $156, the Volkswagen GTI costing $1,522, and the Chrysler 300 at $1,592.

      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/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-3Compact$1,146$96
      Honda CR-VCompact$1,192$99
      Mazda CX-5Compact$1,208$101
      Mazda CX-30Compact$1,210$101
      Ford EcosportCompact$1,216$101
      Toyota C-HRCompact$1,218$102
      Hyundai KonaCompact$1,226$102
      Nissan Rogue SportCompact$1,226$102
      Chevrolet TraxCompact$1,236$103
      Buick EnvisionCompact$1,242$104
      Nissan KicksCompact$1,246$104
      Hyundai VenueCompact$1,248$104
      Mitsubishi Eclipse CrossCompact$1,248$104
      Hyundai TucsonCompact$1,250$104
      Kia SportageCompact$1,252$104
      Ford EdgeMidsize$1,260$105
      Jeep CompassCompact$1,260$105
      Kia SoulCompact$1,262$105
      Chevrolet EquinoxCompact$1,268$106
      Chevrolet BlazerMidsize$1,270$106

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Indianapolis, IN.
        Cheapest Insurance for SUVs in Indianapolis

        A few of the more popular SUV models that did not make the cut include the Ford Escape at an average of $1,310 per year, the Ford Explorer at an average of $1,454, and the Toyota Highlander costing $1,584.

        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 $119 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 $126 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/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$1,238$103
        Nissan FrontierMidsize$1,302$109
        Ford RangerMidsize$1,306$109
        Toyota TacomaMidsize$1,306$109
        GMC CanyonMidsize$1,414$118
        Jeep GladiatorMidsize$1,430$119
        Honda RidgelineMidsize$1,444$120
        Ford F150Full-size$1,474$123
        Toyota TundraFull-size$1,508$126
        GMC SierraFull-size$1,568$131
        Ram TruckFull-size$1,600$133
        Nissan TitanFull-size$1,602$134
        Chevrolet SilveradoFull-size$1,632$136
        Chevrolet Silverado HD 3500Heavy Duty$1,660$138
        GMC Sierra 2500 HDHeavy Duty$1,728$144
        Chevrolet Silverado HD 2500Heavy Duty$1,740$145
        GMC Sierra 3500Heavy Duty$1,770$148
        Ford F250 Super DutyHeavy Duty$1,794$150
        Ford F350 Super DutyHeavy Duty$1,794$150
        Ram Truck 2500Heavy Duty$1,796$150

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Indianapolis, IN.
          Cheapest Insurance for Pickups in Indianapolis

          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 $144 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/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$1,286$107
          Ford MustangSports Car$1,572$131
          Audi TTSports Car$1,674$140
          Subaru WRXSports Car$1,692$141
          Nissan 370ZSports Car$1,724$144
          Toyota SupraSports Car$1,732$144
          Subaru BRZSports Car$1,808$151
          Porsche 718Sports Car$1,842$154
          Chevrolet CorvetteSports Car$1,850$154
          Chevrolet CamaroSports Car$1,894$158
          Dodge ChallengerSports Car$2,034$170
          Jaguar F-TypeSports Car$2,294$191
          Lexus LC 500Sports Car$2,380$198
          Porsche 911Sports Car$2,468$206
          Acura NSXSports Car$2,812$234
          BMW i8Sports Car$2,816$235
          Audi R8Sports Car$3,024$252
          Nissan GT-RSports Car$3,030$253

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Indianapolis, IN.
            Cheapest Insurance for Sports Cars in Indianapolis

            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 $142 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/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$1,374$115
            Mercedes-Benz A220Compact$1,436$120
            Volvo S60Compact$1,552$129
            Lexus RC 300Midsize$1,586$132
            BMW 330iCompact$1,590$133
            BMW Z4Compact$1,598$133
            Cadillac CT4Compact$1,600$133
            Acura TLXCompact$1,622$135
            Lexus ES 350Midsize$1,634$136
            Lexus RC 350Compact$1,638$137
            Mercedes-Benz AMG CLA45Midsize$1,642$137
            BMW i3Compact$1,644$137
            BMW 230iCompact$1,650$138
            Lexus IS 300Midsize$1,662$139
            Audi A5Full-size$1,668$139
            Alfa Romeo GiuliaCompact$1,674$140
            Genesis G70Compact$1,674$140
            Audi S3Compact$1,682$140
            Audi A3Midsize$1,688$141
            Cadillac CT5Midsize$1,706$142

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Indianapolis, IN.
              Cheapest Insurance for Luxury Cars in Indianapolis

              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 $133 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 $124 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/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$1,264$105
              Cadillac XT4Compact$1,306$109
              Volvo XC40Compact$1,334$111
              Volvo V60Midsize$1,414$118
              Cadillac XT5Midsize$1,450$121
              Lincoln CorsairCompact$1,470$123
              Lexus UX 250HCompact$1,480$123
              Lincoln NautilusMidsize$1,490$124
              Volvo XC60Compact$1,496$125
              Lexus RX 350Midsize$1,518$127
              BMW X1Compact$1,520$127
              Lexus UX 200Compact$1,522$127
              Mercedes-Benz GLB 250Compact$1,522$127
              Infiniti QX50Midsize$1,524$127
              Lexus NX 300Compact$1,528$127
              Jaguar E-PaceMidsize$1,532$128
              Mercedes-Benz GLC300Compact$1,538$128
              Lexus RX 350LMidsize$1,558$130
              Cadillac XT6Midsize$1,574$131
              Land Rover DefenderCompact$1,580$132

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Indianapolis, IN.
                Cheapest Insurance for Luxury SUVs in Indianapolis

                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 $546 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 $233 per year compared to a good credit rating of 670-739. Conversely, a below average credit score could cost up to $270 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 $252 per year on their insurance cost.