Your Indianapolis car insurance quote is just a click away. Simply enter your zip code above and you can instantly see which insurance companies are offering auto insurance policies in Indianapolis today. Then just pick one or more to get your quotes from.
If you would like to learn more about all your Indianapolis vehicle insurance options then please have a look at our sections below. We have information on local agents, typical rates, Indiana insurance laws and why an insurance quote is the best way to save money on your policy.
Indianapolis Car Insurance Agents
Getting instant Indianapolis car insurance quotes online remains the best way to shop around for coverage. Yet, at the same time you may also wish to speak to a local agent if you have questions or concerns about your auto policy. The following are listings of agents from some of the biggest auto insurance companies.
Allstate has 25 agents in Indianapolis itself and a further 28 agents in neighboring communities such as Carmel, Fishers, Greenwood, Brownsburg and Avon. Chances are there’s one near you.
Farmers Insurance has 45 agents in Indianapolis and many more in surrounding suburbs and towns.
With it’s focus on online and phone based insurance, Geico only has one agent for all of Indianapolis.
Progressive Insurance has also moved increasingly to online insurance policies in the past few years. Yet, they still have 5 local agents and brokers with whom they do business.
State Farm remains the leader when it comes to local car insurance agents. Unlike both Geico and Progressive they have maintained a real focus on agent based sales. As a result Indianapolis boasts of over 50 State Farm insurance agents.
Your insurance agency not listed? If you own an insurance agency that operates in Indianapolis and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Average Indianapolis Car Insurance Rates
Overall, knowing average insurance rates doesn’t really help you that much. Since every person has different driving habits, a different driving history, with different insurance needs and drives a different car; each person will get their own insurance rate. Nevertheless, a benchmark can be helpful for some. Thus, according to CarInsurance.com the average quoted premium rate for Indianapolis and Marion County drivers is $1,331 per year. This is over $400 more a year than the Indiana state average, but about $80 less than the US national average.
Driving Your Car In Indianapolis
Compared to other major cities in the US driving in Indianapolis is a breeze. You might not always feel like you’re in the Indy 500, but none of the 1,000 worst traffic corridors can be found in Indianapolis or surrounding counties. Overall, the INRIX National Traffic Scorecard ranks the city as the 44th most congested city in the country. Not great, but it has just 4% of the congestion compared to Los Angeles, the worst city on their list.
Still you don’t want to become complacent when it comes to driving in Indianapolis. That’s why you should check out the Indiana Department of Transportation’s Map of Indianapolis Area Traffic Conditions. You can learn about potential problems before yo get to them. Saving you time and helping you stay safe.
Indiana Vehicle Insurance Laws
The city of Indianapolis follows the strict guidelines that the state of Indiana has laid down when it comes to the coverage that needs to be acquired. For a single person in an accident the minimum liability insurance you need is $25,000 with that amount going to $50,000 if there is more than one person involved. The property damage requirement is lower than that of some other states, with only about $10,000 as a required minimum (25/50/10 coverage). Finally, you’ll also need $50,000 worth of bodily injury liability coverage for Uninsured/Underinsured drivers.
The state government encourages its constituents to get auto insurance with the additional coverage options like collision coverage, medical payments, etc. This is done as a precautionary measure due to the uncertainty of the roads in the city. Keep in mind that Indiana is an at-fault state, which means if you are found to have caused an accident you (and your insurance company) will be held responsible for all associated costs.
You can learn more about all your insurance requirements Indiana Bureau of Motor Vehicles website.
With such requirements, you may find it hard to get a cheap insurance quote that will be easy on your wallet. But luckily, there are ways to make the purchase a bit cheaper.
Indianapolis Car Insurance Quotes Online
One thing that may prove to be a beneficial way of getting covered, is getting your car insurance online. Various car insurance companies provide their insurance through their websites. This makes for purchasing a policy easier.
The best way to start is to make use of free auto insurance quotes from websites just like ours. You can see just how little you could be paying by entering your zip code in the form below.