Indianapolis Car Insurance Cost – 2023 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.

Start a Free QuoteCompare Indianapolis car insurance quotes and save on your next policy.

How much does car insurance cost in Indianapolis?

In Indianapolis, the average car insurance expense is $1,458 per year, which is 16.9% less than the national average rate of $1,728. Per month, Indianapolis car insurance costs around $122 for a full coverage policy.

The average car insurance cost in Indiana is $1,356 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 $68 per year more expensive than in Evansville, $140 per year more expensive than in Fort Wayne, and $158 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 – $5,226 per year or $436 per month
  • 17 year old – $4,886 per year or $407 per month
  • 18 year old – $4,566 per year or $381 per month
  • 19 year old – $4,132 per year or $344 per month
  • 20 year old – $2,904 per year or $242 per month
  • 30 year old – $1,538 per year or $128 per month
  • 40 year old – $1,458 per year or $122 per month
  • 50 year old – $1,328 per year or $111 per month
  • 60 year old – $1,304 per year or $109 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 2023 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.Data last updated on August 12, 2023
Indianapolis, IN Car Insurance Cost Summary
2023 Average Car Insurance Cost in Indianapolis, IN
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,316$276
Safe Driver Age 20$2,904$242
At-fault Accidents Age 40$2,058$172
Low Deductibles Age 40$1,902$159
Safe Driver Age 30$1,538$128
Safe Driver Age 40$1,458$122
Safe Driver Age 50$1,328$111
Safe Driver Age 60$1,304$109
High Deductibles Age 40$1,230$103
Discount Rate Age 40$1,212$101

Average car insurance rates in the previous chart range from $1,212 per year for a 40-year-old driver with a great rate thanks to policy discounts to $3,316 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 $101 to $276.

The car insurance rates mentioned previously are averaged for every 2023 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 2023 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.Data last updated on August 12, 2023
Indianapolis Car Insurance Rates for Popular Vehicles
Indianapolis Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,112$93
Mazda CX-5$1,148$96
Honda CR-V$1,236$103
Ford Explorer$1,244$104
Chevrolet Equinox$1,314$110
Toyota Tacoma$1,332$111
Ford Escape$1,338$112
Nissan Rogue$1,342$112
Nissan Sentra$1,352$113
Toyota RAV4$1,352$113
Toyota Camry$1,388$116
Chevrolet Traverse$1,394$116
Honda Accord$1,474$123
Ford F150$1,484$124
Ford Mustang$1,582$132
Jeep Cherokee$1,586$132
Hyundai Elantra$1,594$133
Ram Truck$1,594$133
Chevrolet Silverado$1,598$133
Chevrolet Corvette$1,800$150

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 $1,366 less each year than a 20-year-old driver, $1,538 compared to $2,904.
  • Indianapolis car insurance rates are more expensive than the Indiana state average – $1,458 (Indianapolis average) compared to $1,356 (Indiana average)
  • Car insurance for teen drivers can be expensive – Rates can range from $3,674 to $5,226 per year to insure a teenager in Indianapolis.
  • Indianapolis average car insurance cost is less than the U.S. average – $1,458 (Indianapolis average) compared to $1,728 (U.S. average)
  • Average cost per month ranges from $109 to $436 – 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 $408 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 $1,242 and $1,112 per year, or $104 and $93 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 $95 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
1Chevrolet Trailblazer$1,104$92
2Subaru Crosstrek$1,112$93
3Nissan Kicks$1,118$93
4Honda Passport$1,134$95
5Nissan Rogue Sport$1,138$95
6Mazda CX-5$1,148$96
7Buick Encore$1,164$97
8Buick Envision$1,166$97
9Kia Seltos$1,182$99
10Subaru Ascent$1,188$99
11Hyundai Venue$1,190$99
12Subaru Impreza$1,208$101
13Ford Maverick$1,212$101
14Honda HR-V$1,212$101
15Acura RDX$1,216$101
16Chevrolet Colorado$1,216$101
17Hyundai Kona$1,224$102
18Subaru Forester$1,232$103
19Ford Edge$1,236$103
20Honda CR-V$1,236$103
21Mazda CX-30$1,242$104
22Ford Explorer$1,244$104
23Volkswagen Atlas$1,246$104
24Chevrolet Trax$1,252$104
25Nissan Murano$1,252$104

    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.Data last updated on August 12, 2023
    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 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 2023 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.Data last updated on August 12, 2023
    Indianapolis Auto Insurance Rates by Automotive Segment
    Indianapolis Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,328$111
    Midsize Pickup$1,376$115
    Midsize SUV$1,424$119
    Minivan$1,430$119
    Compact Car$1,452$121
    Midsize Car$1,488$124
    Compact Luxury SUV$1,580$132
    Half-ton Pickup$1,582$132
    Large SUV$1,596$133
    Compact Luxury Car$1,606$134
    Heavy Duty Pickup$1,678$140
    Midsize Luxury SUV$1,694$141
    Large Car$1,696$141
    Midsize Luxury Car$1,854$155
    Sports Car$1,992$166
    Large Luxury SUV$2,144$179
    Large Luxury Car$2,252$188

    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 $1,310 per year to the BMW M340i at $1,782 per year.

    Also, in the large SUV segment, the cost of insurance ranges from the Chevrolet Tahoe at $1,368 per year to the Jeep Grand Wagoneer costing $1,900 per year, a difference of $532 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
    Subaru ImprezaCompact$1,208$101
    Volkswagen JettaCompact$1,332$111
    Subaru LegacyMidsize$1,344$112
    Nissan SentraCompact$1,352$113
    Toyota CorollaCompact$1,370$114
    Volkswagen GolfCompact$1,372$114
    Toyota PriusCompact$1,376$115
    Toyota CamryMidsize$1,388$116
    Mazda 3Compact$1,398$117
    Kia K5Midsize$1,408$117
    Chevrolet MalibuMidsize$1,420$118
    Chrysler 300Full-size$1,422$119
    Honda CivicCompact$1,428$119
    Kia ForteCompact$1,432$119
    Mitsubishi Mirage G4Compact$1,440$120
    Nissan LeafCompact$1,472$123
    Honda AccordMidsize$1,474$123
    Toyota CrownMidsize$1,480$123
    Tesla Model 3Midsize$1,490$124
    Volkswagen ArteonMidsize$1,530$128

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 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.Data last updated on August 12, 2023
      Cheapest Insurance for Cars in Indianapolis

      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
      Chevrolet TrailblazerCompact$1,104$92
      Subaru CrosstrekCompact$1,112$93
      Nissan KicksCompact$1,118$93
      Honda PassportMidsize$1,134$95
      Nissan Rogue SportCompact$1,138$95
      Mazda CX-5Compact$1,148$96
      Buick EncoreCompact$1,164$97
      Buick EnvisionCompact$1,166$97
      Kia SeltosCompact$1,182$99
      Subaru AscentMidsize$1,188$99
      Hyundai VenueCompact$1,190$99
      Honda HR-VCompact$1,212$101
      Hyundai KonaCompact$1,224$102
      Subaru ForesterCompact$1,232$103
      Ford EdgeMidsize$1,236$103
      Honda CR-VCompact$1,236$103
      Mazda CX-30Compact$1,242$104
      Ford ExplorerMidsize$1,244$104
      Volkswagen AtlasMidsize$1,246$104
      Chevrolet TraxCompact$1,252$104

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 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.Data last updated on August 12, 2023
        Cheapest Insurance for SUVs in Indianapolis

        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 $126 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 $128 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
        Ford MaverickMidsize$1,212$101
        Chevrolet ColoradoMidsize$1,216$101
        Nissan FrontierMidsize$1,260$105
        Ford RangerMidsize$1,294$108
        GMC CanyonMidsize$1,326$111
        Toyota TacomaMidsize$1,332$111
        Hyundai Santa CruzMidsize$1,356$113
        Nissan TitanFull-size$1,444$120
        Honda RidgelineMidsize$1,450$121
        Ford F150Full-size$1,484$124
        GMC Sierra 2500 HDHeavy Duty$1,494$125
        Jeep GladiatorMidsize$1,516$126
        Toyota TundraFull-size$1,534$128
        GMC Sierra 3500Heavy Duty$1,542$129
        GMC SierraFull-size$1,592$133
        Ram TruckFull-size$1,594$133
        Chevrolet SilveradoFull-size$1,598$133
        Chevrolet Silverado HD 2500Heavy Duty$1,602$134
        Chevrolet Silverado HD 3500Heavy Duty$1,606$134
        Nissan Titan XDHeavy Duty$1,630$136

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 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.Data last updated on August 12, 2023
          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 $127 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$1,348$112
          Audi TTSports Car$1,512$126
          Ford MustangSports Car$1,582$132
          BMW Z4Sports Car$1,594$133
          Subaru WRXSports Car$1,610$134
          Nissan ZSports Car$1,636$136
          Toyota GR SupraSports Car$1,662$139
          Toyota GR86Sports Car$1,684$140
          BMW M2Sports Car$1,694$141
          Subaru BRZSports Car$1,758$147
          Chevrolet CorvetteSports Car$1,800$150
          BMW M3Sports Car$1,840$153
          Lexus RC FSports Car$1,878$157
          Porsche 718Sports Car$1,878$157
          Chevrolet CamaroSports Car$1,908$159
          Mercedes-Benz AMG GT53Sports Car$2,024$169
          Jaguar F-TypeSports Car$2,094$175
          Porsche TaycanSports Car$2,140$178
          BMW M4Sports Car$2,170$181
          Lexus LC 500Sports Car$2,194$183

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 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.Data last updated on August 12, 2023
            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 $131 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 IntegraCompact$1,310$109
            BMW 330iCompact$1,482$124
            Acura TLXCompact$1,506$126
            Cadillac CT4Compact$1,524$127
            Genesis G70Compact$1,554$130
            Cadillac CT5Midsize$1,570$131
            Lexus ES 350Midsize$1,574$131
            BMW 330eCompact$1,580$132
            Lexus ES 250Midsize$1,582$132
            BMW 228iCompact$1,586$132
            Lexus RC 300Midsize$1,588$132
            Mercedes-Benz AMG CLA35Midsize$1,590$133
            Audi A3Midsize$1,594$133
            BMW 230iCompact$1,598$133
            Mercedes-Benz C300Compact$1,612$134
            Audi A4Compact$1,616$135
            Lexus RC 350Compact$1,618$135
            Audi S3Compact$1,628$136
            Mercedes-Benz AMG CLA45Midsize$1,628$136
            Volvo S60Compact$1,630$136

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 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.Data last updated on August 12, 2023
              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 $121 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 $123 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$1,216$101
              Lexus RX 350Midsize$1,306$109
              Cadillac XT4Compact$1,316$110
              Volvo XC40Compact$1,344$112
              Infiniti QX50Midsize$1,350$113
              Lexus UX 250hCompact$1,366$114
              Cadillac XT5Midsize$1,386$116
              Mercedes-Benz GLA250Compact$1,416$118
              Mercedes-Benz GLB 250Compact$1,418$118
              Cadillac XT6Midsize$1,420$118
              Lexus NX 250Compact$1,438$120
              Acura MDXMidsize$1,452$121
              Lexus NX 350hCompact$1,454$121
              Lexus NX 350Compact$1,464$122
              Lincoln CorsairCompact$1,466$122
              Lexus NX 450hCompact$1,472$123
              Lincoln NautilusMidsize$1,478$123
              BMW X1Compact$1,480$123
              Alfa Romeo TonaleCompact$1,484$124
              Mercedes-Benz GLC300Compact$1,486$124

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 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.Data last updated on August 11, 2023
                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 $568 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 $229 per year compared to a good credit rating of 670-739. Conversely, a below average credit score could cost up to $265 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 $246 per year on their insurance cost.