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.

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How much does car insurance cost in Indianapolis?

In Indianapolis, the average car insurance expense is $1,420 per year, which is 15.7% less than the national average rate of $1,685. Per month, Indianapolis car insurance costs around $118 for a full coverage policy.

The average car insurance cost in Indiana is $1,318 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 $72 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 – $5,090 per year or $424 per month
  • 17 year old – $4,758 per year or $397 per month
  • 18 year old – $4,446 per year or $371 per month
  • 19 year old – $4,024 per year or $335 per month
  • 20 year old – $2,826 per year or $236 per month
  • 30 year old – $1,498 per year or $125 per month
  • 40 year old – $1,420 per year or $118 per month
  • 50 year old – $1,294 per year or $108 per month
  • 60 year old – $1,272 per year or $106 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 December 30, 2022
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$3,228$269
Safe Driver Age 20$2,826$236
At-fault Accidents Age 40$2,006$167
Low Deductibles Age 40$1,852$154
Safe Driver Age 30$1,498$125
Safe Driver Age 40$1,420$118
Safe Driver Age 50$1,294$108
Safe Driver Age 60$1,272$106
High Deductibles Age 40$1,198$100
Discount Rate Age 40$1,180$98

Average car insurance rates in the previous chart range from $1,180 per year for a 40-year-old driver with a great rate thanks to policy discounts to $3,228 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 $98 to $269.

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 December 30, 2022
Indianapolis Car Insurance Rates for Popular Vehicles
Indianapolis Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,084$90
Mazda CX-5$1,116$93
Honda CR-V$1,206$101
Ford Explorer$1,212$101
Chevrolet Equinox$1,278$107
Toyota Tacoma$1,298$108
Ford Escape$1,304$109
Nissan Rogue$1,308$109
Nissan Sentra$1,316$110
Toyota RAV4$1,316$110
Toyota Camry$1,350$113
Chevrolet Traverse$1,358$113
Honda Accord$1,438$120
Ford F150$1,446$121
Ford Mustang$1,540$128
Jeep Cherokee$1,544$129
Chevrolet Silverado$1,554$130
Hyundai Elantra$1,554$130
Ram Truck$1,554$130
Chevrolet Corvette$1,752$146

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 $1,328 less each year than a 20-year-old driver, $1,498 compared to $2,826.
  • Indianapolis car insurance rates are more expensive than the Indiana state average – $1,420 (Indianapolis average) compared to $1,318 (Indiana average)
  • Car insurance for teen drivers can be expensive – Rates can range from $3,578 to $5,090 per year to insure a teenager in Indianapolis.
  • Indianapolis average car insurance cost is less than the U.S. average – $1,420 (Indianapolis average) compared to $1,685 (U.S. average)
  • Average cost per month ranges from $106 to $424 – 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 $396 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 $1,210 and $1,084 per year, or $101 and $90 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 $92 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$1,074$90
2Subaru Crosstrek$1,084$90
3Nissan Kicks$1,090$91
4Honda Passport$1,106$92
5Nissan Rogue Sport$1,110$93
6Mazda CX-5$1,116$93
7Buick Encore$1,132$94
8Buick Envision$1,136$95
9Kia Seltos$1,152$96
10Subaru Ascent$1,158$97
11Hyundai Venue$1,160$97
12Subaru Impreza$1,178$98
13Ford Maverick$1,180$98
14Honda HR-V$1,180$98
15Chevrolet Colorado$1,182$99
16Acura RDX$1,184$99
17Hyundai Kona$1,192$99
18Subaru Forester$1,198$100
19Ford Edge$1,204$100
20Honda CR-V$1,206$101
21Mazda CX-30$1,210$101
22Ford Explorer$1,212$101
23Volkswagen Atlas$1,212$101
24Chevrolet Trax$1,218$102
25Nissan Murano$1,220$102

    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 December 30, 2022
    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 December 30, 2022
    Indianapolis Auto Insurance Rates by Automotive Segment
    Indianapolis Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,294$108
    Midsize Pickup$1,342$112
    Midsize SUV$1,388$116
    Minivan$1,392$116
    Compact Car$1,414$118
    Midsize Car$1,450$121
    Compact Luxury SUV$1,536$128
    Half-ton Pickup$1,540$128
    Large SUV$1,552$129
    Compact Luxury Car$1,564$130
    Heavy Duty Pickup$1,632$136
    Large Car$1,650$138
    Midsize Luxury SUV$1,652$138
    Midsize Luxury Car$1,806$151
    Sports Car$1,942$162
    Large Luxury SUV$2,088$174
    Large Luxury Car$2,194$183

    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 $1,276 per year to the BMW M340i at $1,736 per year.

    Also, in the large SUV segment, the cost of insurance ranges from the Chevrolet Tahoe at $1,330 per year to the Jeep Grand Wagoneer costing $1,848 per year, a difference of $518 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$1,178$98
    Volkswagen JettaCompact$1,296$108
    Subaru LegacyMidsize$1,308$109
    Nissan SentraCompact$1,316$110
    Toyota CorollaCompact$1,332$111
    Volkswagen GolfCompact$1,336$111
    Toyota PriusCompact$1,338$112
    Toyota CamryMidsize$1,350$113
    Mazda 3Compact$1,362$114
    Kia K5Midsize$1,372$114
    Chevrolet MalibuMidsize$1,380$115
    Chrysler 300Full-size$1,386$116
    Honda CivicCompact$1,390$116
    Kia ForteCompact$1,392$116
    Mitsubishi Mirage G4Compact$1,400$117
    Nissan LeafCompact$1,432$119
    Honda AccordMidsize$1,438$120
    Toyota CrownMidsize$1,442$120
    Tesla Model 3Midsize$1,452$121
    Volkswagen ArteonMidsize$1,490$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 December 30, 2022
      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$1,074$90
      Subaru CrosstrekCompact$1,084$90
      Nissan KicksCompact$1,090$91
      Honda PassportMidsize$1,106$92
      Nissan Rogue SportCompact$1,110$93
      Mazda CX-5Compact$1,116$93
      Buick EncoreCompact$1,132$94
      Buick EnvisionCompact$1,136$95
      Kia SeltosCompact$1,152$96
      Subaru AscentMidsize$1,158$97
      Hyundai VenueCompact$1,160$97
      Honda HR-VCompact$1,180$98
      Hyundai KonaCompact$1,192$99
      Subaru ForesterCompact$1,198$100
      Ford EdgeMidsize$1,204$100
      Honda CR-VCompact$1,206$101
      Mazda CX-30Compact$1,210$101
      Ford ExplorerMidsize$1,212$101
      Volkswagen AtlasMidsize$1,212$101
      Chevrolet TraxCompact$1,218$102

        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 December 30, 2022
        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 $123 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 $125 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$1,180$98
        Chevrolet ColoradoMidsize$1,182$99
        Nissan FrontierMidsize$1,228$102
        Ford RangerMidsize$1,262$105
        GMC CanyonMidsize$1,290$108
        Toyota TacomaMidsize$1,298$108
        Hyundai Santa CruzMidsize$1,322$110
        Nissan TitanFull-size$1,406$117
        Honda RidgelineMidsize$1,412$118
        Ford F150Full-size$1,446$121
        GMC Sierra 2500 HDHeavy Duty$1,454$121
        Jeep GladiatorMidsize$1,476$123
        Toyota TundraFull-size$1,494$125
        GMC Sierra 3500Heavy Duty$1,500$125
        GMC SierraFull-size$1,550$129
        Chevrolet SilveradoFull-size$1,554$130
        Ram TruckFull-size$1,554$130
        Chevrolet Silverado HD 2500Heavy Duty$1,558$130
        Chevrolet Silverado HD 3500Heavy Duty$1,562$130
        Nissan Titan XDHeavy Duty$1,586$132

          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 December 30, 2022
          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 $124 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$1,312$109
          Audi TTSports Car$1,472$123
          Ford MustangSports Car$1,540$128
          BMW Z4Sports Car$1,552$129
          Subaru WRXSports Car$1,570$131
          Nissan ZSports Car$1,592$133
          Toyota GR SupraSports Car$1,620$135
          BMW M2Sports Car$1,638$137
          Toyota GR86Sports Car$1,638$137
          Subaru BRZSports Car$1,714$143
          Chevrolet CorvetteSports Car$1,752$146
          BMW M3Sports Car$1,792$149
          Lexus RC FSports Car$1,828$152
          Porsche 718Sports Car$1,830$153
          Chevrolet CamaroSports Car$1,858$155
          Mercedes-Benz AMG GT53Sports Car$1,972$164
          Jaguar F-TypeSports Car$2,038$170
          Porsche TaycanSports Car$2,084$174
          BMW M4Sports Car$2,110$176
          Lexus LC 500Sports Car$2,136$178

            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 December 29, 2022
            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 $127 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$1,276$106
            BMW 330iCompact$1,442$120
            Acura TLXCompact$1,466$122
            Cadillac CT4Compact$1,484$124
            Genesis G70Compact$1,514$126
            Cadillac CT5Midsize$1,528$127
            Lexus ES 350Midsize$1,534$128
            BMW 330eCompact$1,538$128
            Lexus ES 250Midsize$1,542$129
            BMW 228iCompact$1,546$129
            Lexus RC 300Midsize$1,546$129
            Mercedes-Benz AMG CLA35Midsize$1,550$129
            Audi A3Midsize$1,554$130
            BMW 230iCompact$1,558$130
            Mercedes-Benz C300Compact$1,566$131
            Audi A4Compact$1,574$131
            Lexus RC 350Compact$1,576$131
            Mercedes-Benz AMG CLA45Midsize$1,584$132
            Audi S3Compact$1,586$132
            Volvo S60Compact$1,588$132

              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 December 29, 2022
              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 $118 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 $120 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$1,184$99
              Lexus RX 350Midsize$1,272$106
              Cadillac XT4Compact$1,282$107
              Volvo XC40Compact$1,308$109
              Infiniti QX50Midsize$1,316$110
              Lexus UX 250hCompact$1,328$111
              Cadillac XT5Midsize$1,350$113
              Mercedes-Benz GLA250Compact$1,378$115
              Cadillac XT6Midsize$1,382$115
              Mercedes-Benz GLB 250Compact$1,384$115
              Lexus NX 250Compact$1,400$117
              Acura MDXMidsize$1,414$118
              Lexus NX 350hCompact$1,418$118
              Lexus NX 350Compact$1,428$119
              Lincoln CorsairCompact$1,428$119
              Lexus NX 450hCompact$1,430$119
              Lincoln NautilusMidsize$1,438$120
              BMW X1Compact$1,440$120
              Alfa Romeo TonaleCompact$1,442$120
              Mercedes-Benz GLC300Compact$1,446$121

                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 December 30, 2022
                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 $554 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 $223 per year compared to a good credit rating of 670-739. Conversely, a below average credit score could cost up to $258 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 $240 per year on their insurance cost.