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Best Car Insurance Companies in Indianapolis, IN

June 27, 2019, 2:32 p.m.

Indiana, like most states, requires that every driver have car insurance. It’s the best way to guarantee that you will be covered in a collision. And with about 30,000 accidents in Indy every year, it’s vital that you are protected. Cost, coverage and customer service are important factors in choosing insurance. Our partners at ConsumerAffairs researched the best car insurance in Indianapolis, so you can find the company that is right for you.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. RTV6 may receive compensation from our partners. Learn more.

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#1
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Insuramatch

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(844) 332-2089
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Progressive
Progressive
Features
  • InsuraMatch carrier
  • Home & auto bundles
  • Compare rates online
  • Name Your Price tool
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CALL INSURAMATCH FOR QUOTES*
(844) 332-2089
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#2
Liberty Mutual
Liberty Mutual
Features
  • Personalized coverage
  • Add-on coverage options
  • Discount opportunities
  • InsuraMatch carrier
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(844) 332-2089
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#3
The General
The General
Features
  • Manage your policy online
  • InsuraMatch carrier
  • High risk insurance
  • Online purchasing
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CALL INSURAMATCH FOR QUOTES*
(844) 332-2089
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#4
Access Auto Insurance
Access Auto Insurance
Features
  • Full coverage plans
  • Roadside assistance
  • Rental reimbursement
  • Multiple plan options
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Location
8403 N. Michigan Rd., Ste. C
Indianapolis, IN 46268
(317) 644-2767
#5
InsureOne
InsureOne
Features
  • Discounts available
  • Free quotes online
  • Motorcycle insurance
  • SR-22 insurance plans
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Location
969 Shadeland Ave.
Indianapolis, IN 46219
(317) 279-4050
Acceptance Auto Insurance
Acceptance Auto Insurance
Features
  • M-F: 9am - 6pm
  • Sat: 10am - 5pm
  • Closed Sun
  • acceptanceinsurance.com/our-products/auto-insurance/indiana/
Location
8239 Pendleton Pike
Indianapolis, IN 46226
(317) 897-5015
Nationwide Insurance Agent: Nick Weybright
Nationwide Insurance Agent: Nick Weybright
Features
  • M-Th: 9am - 5:30pm
  • Closed Fri, Sat and Sun
  • https://agency.nationwide.com/nick-weybright-in-indianapolis-in
Location
3905 West 96th St., Ste. 1200
Indianapolis, IN 46268
(317) 293-7000
A-1 Insurance
A-1 Insurance
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • a1insureit.com
Location
2929 E. 96th St., Ste. A
Indianapolis, IN 46240
(317) 844-3049
Williams & Associates Inc.
Williams & Associates Inc.
Features
  • M-Sat: 9am - 5pm
  • Closed Sun
  • wassociatesins.com
Location
8888 Keystone Crossing Ste. 1300
Indianapolis, IN 46240
(317) 549-8994
Geico
Geico
Features
  • M-F: 9am - 5pm
  • Sat: 9am - 12pm
  • Closed Sun
  • geico.com
Location
3837 N. High School Rd., Ste. 10
Indianapolis, IN 46254
(317) 216-0932
Allstate Insurance Agent: Scott Verbarg
Allstate Insurance Agent: Scott Verbarg
Features
  • M-Th: 8:30am - 5:30pm
  • F: 8:30am - 5pm
  • Closed Sat and Sun
  • gents.allstate.com/scott-verbarg-indianapolis-in1.html
Location
6120 Thompson Rd., Ste. B
Indianapolis, IN 46237
(317) 802-1550
McBee Insurance Agency
McBee Insurance Agency
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • mcbeeinsurancein.com
Location
1641 Shadeland Ave.
Indianapolis, IN 46219
(317) 351-2800
Hoosier Insurance Group
Hoosier Insurance Group
Features
  • M-F: 8:30am - 5pm
  • Sat: 9am - 12pm
  • Closed Sun
  • hoosierinsurancegroup.com
Location
450 E. 96th St., Ste. 500
Indianapolis, IN 46240
(317) 536-2999
A.I. King Insurance Agency Inc.
A.I. King Insurance Agency Inc.
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • aikinginsurance.com
Location
8604 Allisonville Rd., Ste. 210
Indianapolis, IN 46250
(317) 841-6004
Farmers Insurance Agent: Zachary Breneman
Farmers Insurance Agent: Zachary Breneman
Features
  • M-Sun: 6am - 10pm
  • agents.farmers.com/in/indianapolis/zachary-breneman
Location
4810 S. Emerson Ave., Ste. A
Indianapolis, IN 46203
(317) 786-4321
State Farm Insurance Agent: Jeff Kolp
State Farm Insurance Agent: Jeff Kolp
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • jeffkolp.net
Location
3951 N. Meridian Ste. 250
Indianapolis, IN 46208
(317) 283-3172
Infinity Auto Insurance
Infinity Auto Insurance
Features
  • M-F: 8am - 11pm
  • Sat: 8:30am - 10pm
  • Closed Sun
  • infinityauto.com
Location
2555 E. 55th Pl., Ste. 209
Indianapolis, IN 46220
(800) 463-4648

How to choose a car insurance company in Indianapolis

Indy Skyline

Car insurance rates can vary based on personal factors, such as age and driving record. Where you live plays a role, too. Urban areas have more drivers, which leads to more accidents. Some companies consider the rate of crime in your ZIP code, including thefts, vandalism and even insurance fraud, to determine how risky you are to insure. Trends in severe weather may also affect rates because storms can damage vehicles.

Indiana has a lower average car insurance premium of $1,021 per year than the national average of $1,318 per year. Even better news for Indy drivers: Rates in the capital are much lower than rates around the state.

In downtown Indianapolis, the average rate is a bit higher than surrounding areas. Rates stay higher on the east side; however, the southeast side of Indianapolis dips lower. This area (Acton and Wanamaker, for example) is one of the safest in the city, and has more rural roads with little traffic congestion, which contributes to the lower rate.

Location Annual premium
Downtown Indianapolis (46202) $484
Englewood (46201) $470
Acton, Wanamaker (46259) $448
Lawrence (46226) $469
Speedway (46224) $462
Avon (46123) $440
Note: Rates based on a 40-year-old male for liability coverage only

Indiana requires car insurance for all drivers. The minimum requirement is liability insurance. You need to have liability coverage for bodily injury ($25,000/person and $50,000/accident with multiple injuries) and property damage ($25,000/accident). This doesn’t cover damage to your vehicle. It’s recommended to add more coverage, such as comprehensive insurance, to make sure you are fully protected.

The law also demands coverage for uninsured or underinsured motorists. This is especially important in Indiana, which ranks eighth in the nation in uninsured motorists. Nearly 17 percent of Hoosier drivers don’t have insurance. Despite that, Indy rates remain on the low side, and well below the national average.

Auto insurance is a competitive business, and your options can be overwhelming. Use these selected companies with overall positive reviews to help you choose the best car insurance in Indianapolis.

*InsuraMatch companies are in good standing with regulatory authorities, have been vetted and approved by InsuraMatch and are represented by InsuraMatch or its affiliates.

Progressive

Progressive

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(844) 332-2089

Progressive agents are found throughout the city, but most are located on the extreme north or the extreme south parts of the city. Individual agents that represent Progressive have mostly favorable reviews. While customer service is the biggest complaint, they have low, competitive prices that may be worth it to careful drivers looking for coverage.

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Liberty Mutual

Liberty Mutual

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(844) 332-2089

Liberty Mutual has one location on the southside of Indy, plus a business office on the northside. Reviews are positive, both from people who have worked there and people who use them for insurance. While some comment that quotes are high, the consensus is that this is a solid business with great customer support.

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The General

The General

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(844) 332-2089

The General Car Insurance is a national agency that covers pretty much anyone—regardless of driving record. It’s a good choice for high-risk drivers or those with a history of accidents who struggle to get insurance elsewhere. However, their customer service and claims response are worse than other providers, according to reviewers in the region.

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Access Auto Insurance

Access Auto Insurance

Access Auto Insurance has branches on all sides of the city, so no matter where you live, you can get to an office. They guarantee that you can get a free quote and sign up for insurance on the same day. With different locations and a user-friendly website, you can interact in-person or online to get coverage.

InsureOne

InsureOne

With locations on the north, south, east and west side of the city, InsureOne is available for in-person consultation. You can also apply for a quote online. Reviews are positive for customer service and affordability. If you are looking for a local company, InsureOne is an excellent choice.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.