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Carmel, IN Cheap Auto Insurance, Find Local Agents in Indiana for Maximum Savings

2929 E 96th St Ste A,
Indianapolis, IN
46240
(317) 844-3049
1130 Aaa Way,
Carmel, IN
46032
(317) 846-7399
5849 Stone Pine Trl,
Carmel, IN
46033
(317) 721-7475
12407 Old Meridian St,
Carmel, IN
46032
(317) 844-2507
9546 Allisonville Rd Ste 107,
Indianapolis, IN
46250
(317) 570-0854
8900 Keystone Xing Ste 800,
Indianapolis, IN
46240
(800) 878-9891
3501 Westfield Rd Ste 107,
W.field, IN
46062
(317) 594-3094
1031 E 169th St,
W.field, IN
46074
(317) 896-9814
2750 E 146th St Ste 204,
Carmel, IN
46033
(317) 569-9200
10085 Allisonville Rd Ste 204,
Fishers, IN
46038
(317) 570-8942
9755 Randall Dr Ste 101,
Indianapolis, IN
46280
(317) 663-4049
11555 N Meridian St Ste 220,
Carmel, IN
46032
(317) 574-5000
10085 Allisonville Rd,
Fishers, IN
46038
(317) 845-8154
8888 Keystone Xing Ste 710,
Indianapolis, IN
46240
(317) 810-0722
11555 N Meridian St Ste 100,
Carmel, IN
46032
(317) 575-4440
8395 Keystone Xing Ste 315,
Indianapolis, IN
46240
(317) 253-1155
725 S Range Line Rd,
Carmel, IN
46032
(317) 574-0800
70 E 91st St Ste 200,
Indianapolis, IN
46240
(317) 846-4622
9993 Allisonville Rd,
Fishers, IN
46038
(317) 813-0693
8606 Allisonville Rd Ste 240,
Indianapolis, IN
46250
(317) 813-2886
1001 E 86th St,
Indianapolis, IN
46240
(317) 251-1001
301 Pennsylvania Pkwy Ste 100,
Indianapolis, IN
46280
(765) 654-5546
316 S Range Line Rd Ste E,
Carmel, IN
46032
(317) 587-1970
3003 E 98th St Ste 250,
Indianapolis, IN
46280
(317) 848-8865
8445 Keystone Xing Ste 200,
Indianapolis, IN
46240
(317) 808-7711
705 E Main St,
W.field, IN
46074
(317) 399-2550
9333 N Meridian St Ste 100,
Indianapolis, IN
46260
(317) 846-5805
9202 N Meridian St Ste 150,
Indianapolis, IN
46260
(317) 574-6600
50 E 91st St,
Indianapolis, IN
46240
(317) 818-0900
8606 Allisonville Rd Ste 118,
Indianapolis, IN
46250
(317) 849-1942
1980 E 116th St Ste 330,
Carmel, IN
46032
(317) 844-7243
581 S Range Line Rd Ste B4,
Carmel, IN
46032
(317) 844-7020
9450 N Meridian St Ste B,
Indianapolis, IN
46260
(317) 819-1800
211 E Main St,
W.field, IN
46074
(317) 867-0688
108 N Union St,
W.field, IN
46074
(317) 896-5689
11988 Fishers Crossing Dr Ste,
Fishers, IN
46038
(800) 900-5915
75 Executive Dr Ste B,
Carmel, IN
46032
(317) 814-5215
411 E Main St,
W.field, IN
46074
(317) 896-2420
111 N Rangeline Rd,
Carmel, IN
46032
(317) 259-1345
783 E Main St,
W.field, IN
46074
(317) 804-2452
3091 E 98th St Ste 150,
Indianapolis, IN
46280
(317) 663-4141
41 1st St SE,
Carmel, IN
46032
(317) 843-2621
10401 N Meridian St Ste 300,
Indianapolis, IN
46290
(317) 229-6868
526 State Road 32 E,
W.field, IN
46074
(317) 804-5549
110 N Range Line Rd,
Carmel, IN
46032
(317) 846-4275
9302 N Meridian St Ste 200,
Indianapolis, IN
46260
(317) 574-8060
9265 Counselors Row Ste 108,
Indianapolis, IN
46240
(317) 925-1456
651 N Range Line Rd,
Carmel, IN
46032
(317) 815-8551
755 W Carmel Dr Ste 216,
Carmel, IN
46032
(317) 569-9970
4000 W 106th St Unit 125-400,
Carmel, IN
46032
(317) 634-4863
8925 N Meridian St Ste 101,
Indianapolis, IN
46260
(317) 582-1774
10726 Lakeview Dr,
Carmel, IN
46033
(317) 522-8801
3860 Cornwallis Ln,
Carmel, IN
46032
(317) 660-1532
104 N Union St,
W.field, IN
46074
(317) 867-0006
9000 Keystone Xing Ste 1060,
Indianapolis, IN
46240
(260) 437-7820
720 N Range Line Rd,
Carmel, IN
46032
(317) 844-3515
450 E 96th St Ste 500,
Indianapolis, IN
46240
(317) 399-6973
301 Pennsylvania Pkwy Ste 201,
Indianapolis, IN
46280
(800) 678-0361
240 E Carmel Dr,
Carmel, IN
46032
(317) 846-5861
1 E Carmel Dr Ste 250,
Carmel, IN
46032
(317) 863-2561
160 W Carmel Dr Ste 227,
Carmel, IN
46032
(317) 580-0900
1030 E 86th St Ste 34a,
Indianapolis, IN
46240
(317) 844-6500
154 Medical Dr Ste 170,
Carmel, IN
46032
(317) 571-5200
9135 N Meridian St Ste A4,
Indianapolis, IN
46260
(317) 844-4900
2935 E 96th St Ste 100,
Indianapolis, IN
46240
(317) 844-4402
3510 E 96th St Ste 35l,
Indianapolis, IN
46240
(317) 848-2728
8440 Woodfield Crossing Blvd Ste 470,
Indianapolis, IN
46240
(317) 254-1000
3520 E 96th St Ste 6l,
Indianapolis, IN
46240
(317) 844-9795
8606 Allisonville Rd Ste 138f,
Indianapolis, IN
46250
(317) 596-1177
815 W Carmel Dr,
Carmel, IN
46032
(317) 844-4683
250 W Carmel Dr,
Carmel, IN
46032
(317) 844-5400
222 W 161st St,
W.field, IN
46074
(317) 867-1303
14623 Linn Ct,
W.field, IN
46074
(317) 571-0064
10412 Allisonville Rd Ste 212,
Fishers, IN
46038
(317) 577-7872
11844 Allisonville Rd,
Fishers, IN
46038
(317) 849-7660
8606 Allisonville Rd Ste 240,
Indianapolis, IN
46250
(317) 813-3500
13295 Illinois St Ste 222,
Carmel, IN
46032
(317) 569-0699
160 W Carmel Dr Ste 293,
Carmel, IN
46032
(317) 844-8689
9202 N Meridian St Ste 150,
Indianapolis, IN
46260
(317) 574-6606
3510 E 96th St Ste 35l,
Indianapolis, IN
46240
(317) 582-0135
10412 Allisonville Rd Ste 115,
Fishers, IN
46038
(317) 595-9220
9225 Priority Way West Dr Ste 100,
Indianapolis, IN
46240
(317) 805-7500
33 West Main Street,
St Joseph, IN
56374
(320) 363-7350
15672 River Birch Rd,
W.field, IN
46074
(317) 867-0988
9202 N Meridian St Ste 150,
Indianapolis, IN
46260
(317) 574-6608
160 W Carmel Dr Ste 226,
Carmel, IN
46032
(317) 575-2900
600 E 96th St Ste 400,
Indianapolis, IN
46240
(317) 706-9500
450 E 96th St Ste 500,
Indianapolis, IN
46240
(317) 660-2207
9850 N Michigan Rd Ste F,
Carmel, IN
46032
(317) 879-1523
11611 N Meridian St Ste 600,
Carmel, IN
46032
(317) 984-5580
12460 N Meridian St,
Carmel, IN
46032
(317) 846-1000
248 E Carmel Dr,
Carmel, IN
46032
(317) 844-6277
301 Pennsylvania Pkwy Ste 100,
Indianapolis, IN
46280
(317) 853-3500
9382 Priority Way West Dr,
Indianapolis, IN
46240
(800) 288-0780
1033 3rd Ave SW Ste 111,
Carmel, IN
46032
(317) 815-1441
815 W Carmel Dr,
Carmel, IN
46032
(317) 844-4683
1081 3rd Ave SW Ste 6,
Carmel, IN
46032
(317) 848-7241
8606 Allisonville Rd Ste 240,
Indianapolis, IN
46250
(317) 752-1563
630 3rd Ave SW Ste 200,
Carmel, IN
46032
(877) 846-2558
8302 Fawnsbrook Dr,
Fishers, IN
46038
(317) 506-7718
931 E 86th St Ste 107,
Indianapolis, IN
46240
(317) 536-6846
3501 Westfield Rd Ste 122,
W.field, IN
46062
(317) 867-5000
248 E Carmel Dr,
Carmel, IN
46032
(317) 844-6300
8925 N Meridian St Ste 101,
Indianapolis, IN
46260
(317) 582-1772
110 N Rangeline Rd,
Carmel, IN
46032
(317) 842-1014
9860 N Michigan Rd Ste D,
Carmel, IN
46032
(317) 228-0655
111 Congressional Blvd,
Carmel, IN
46032
(317) 846-5554
601 E 106th St Ste 100,
Indianapolis, IN
46280
(317) 564-4949
1980 E 116th St Ste 120c,
Carmel, IN
46032
(317) 848-7686
3510 E 96th St Ste 33l,
Indianapolis, IN
46240
(317) 575-8400
8395 Keystone Xing Ste 300,
Indianapolis, IN
46240
(317) 334-3743
581 S Range Line Rd Ste B3,
Carmel, IN
46032
(317) 844-9252
526 State Road 32 E,
W.field, IN
46074
(317) 755-8733
9993 Allisonville Rd,
Fishers, IN
46038
(317) 576-0055
9302 N Meridian St Ste 297,
Indianapolis, IN
46260
(317) 844-4701
10412 Allisonville Rd Ste 212,
Fishers, IN
46038
(317) 576-0250
14 W Main St,
Carmel, IN
46032
(317) 844-1270
4660 Lisborn Dr,
Carmel, IN
46033
(317) 816-0789
620 S Range Line Rd,
Carmel, IN
46032
(317) 844-6800
526 State Road 32 E,
W.field, IN
46074
(317) 250-2068
9247 N Meridian St Ste 300,
Indianapolis, IN
46260
(317) 844-7759
8250 Haverstick Rd Ste 145,
Indianapolis, IN
46240
(317) 489-4400
770 3rd Ave SW,
Carmel, IN
46032
(317) 814-8244
9465 Counselors Row,
Indianapolis, IN
45240
(317) 755-0666
11611 N Meridian St Ste 230,
Carmel, IN
46032
(317) 664-7023
360 Gradle Dr,
Carmel, IN
46032
(317) 848-4400
12460 N Meridian St,
Carmel, IN
46032
(317) 292-6112
Top Tips to Save on Your Auto Premium
You want to be sure to compare cheap car insurance quotes and with local agents to maximize your savings.
Top rated insurers like USAA, Progressive, Hartford, and Liberty Mutual are best. Over 84% are satisfied with claims handling with them.
Be sure to check your policy for mileage. If you drive less you can save hundreds more per year.
Don't assume an older model vehicle cost less to insure. Insurers go by the safety rating.
An easy way to lower comprehensive and collision coverage is to raise your deductible.
Take advantage of all discounts. Which can be 20% or more in savings.
A good driving history is the best way to keep your insurance rates as low as possible.
If you pay for coverage upfront in full you can save an additional 10% to 20%.
Don't let your coverage lapse. If so, you will see a spike in rates.
Before buying a car shop for quotes to see how much your premium may be.
If you have an older model vehicle consider dropping optional coverage such as comprehensive and collision.
Do some research and take a few minutes to learn the minimum coverage and other factors which apply in your state.
Maintain good credit to keep your premium as low as possible.
Make sure to do an annual rate check. Plus coverage you may or may not need.

Pros & Cons of Each Insurer

Type company name in search bar to find the pros, cons, and ratings. Otherwise each insurer is from highest to lowest rated.

CompanyProsConsRating out of 5 Stars
AmicaZero restrictions on which body shop you use for repairs.Few driver discounts, including pre-pay, low mileage, and military discounts.5
USAAJ. D. Power has rated USAA with a "perfect" score. Financial stability is highest rating of superior. USAA is only available to members of the military and their immediate family.5
AllstateAllstate offers a claims satisfaction guarantee. With Allstate's claims guarantee is typically a higher price in premiums. 4.5
American FamilyAttractive features, discounts and benefits including the teen safe driver program. Coverage is only available in 19 states. To get an online quote you have to enter your car's VIN. 4.5
Auto-Owners Good enhancement options from Auto-Owners Personal Automobile Plus Package. Service and claims handling is top notch. No national coverage. Auto-Owners offer coverage in 26 states.4.5
Country Financial Been in business for 85 years and has top financial strength. 24/7 customer service. Coverage is only available in 17 states.4.5
ErieFor South, Midwest, or Mid-Atlantic regions Erie consistently get high marks. Limited to certain regions of the country. 4.5
GEICOConsistently offers the lowest price. Known to raise rates during the time of the policy. 4.5
NationwideNationwide rewards accident-free years with its vanishing deductible program.Coverage isn’t available in Alaska, Hawaii, Louisiana, or Massachusetts.4.5
TravelersTravelers offers rates well below the national average. Not all coverage options are available in all states. Some customer complaints reported with billing/collection and customer service issues.4.5
ElectricValuable features and benefits for new cars, such as original equipment coverage. Perks for General Electric employees. Numerous discounts offered to bring your premium low. Mixed reviews on communications, billing, and collection practices.4.3
Cincinnati FinancialOffers Personal Auto Plus program to help drivers get low premiums. Strong financial ratings with lower than average industry complaints. Spotty complaints by consumers of claims process. Online presence is poor you normally have to call an agent. 4.2
Liberty MutualStrong customer service with attractive features such a new and better car replacement. New and Better car replacement are not offered in all states. And reports of poor claims handling for automobile repairs. 4
MetLifeMetLife includes several extras at no cost, such as expanded coverage when you rent a car and identity theft protection.Other than group discounts and standard bundling discounts, there aren’t a lot of opportunities for savings.4
Ameriprise FinancialVery attractive discounts and strong financial rating. Limited availability. Only 14 states you can get a policy.4
Tennessee FarmersLots of discounts such as distant student, homeowners, incident forgiveness, and more are available to give you better rates. No rate hikes for small claims/fender benders. If you get into a small accident, you won’t have to worry about the stability of your premium.Not all policy options are available in every state. 4
Progressive1 out of 10 drivers have Progressive. Offers roadside assistance and has strong financial strength. Doesn't offer new or better car replacement.4
Texas Farm BureauOffers competitive rates for all age drivers particularly drivers over 35. Not offered in all states. Only available in Texas. Focuses more on life insurance rather than auto. Many customers say there may be substantial rate hikes year by year. 4
FarmersWith Farmers you can insure about everything. Customer service is not 24/7 and reports of not-so-great claims handling. 4
Plymouth RockExcellent coverage with competitive premium rates. High satisfaction rate with customers. Considered by most reviews as the 1st or 2nd cheapest in the state of New Jersey. Only available in Connecticut, Massachusetts, New Hampshire, and New Jersey. It features several customer “perks” like the Get Home Safe® cab/ride share program and Door to Door Valet Claim Service. For unmarried drivers in the 4 states offered they are one of the cheapest. 4
Safeco24/7 customer support with a comprehensive line of products plus discounts. 24/7 claims handling. Customers have complained of claims being underpaid. 4
21st CenturyPart of Farmers. Has a partnership with Foremost Insurance to provide insurance on specialty vehicles like motorcycles and ATVs.If you have coverage outside of California you'll be directed to Farmers or Foremost.4
HartfordMechanical breakdown coverage helps cover the cost of repairs that aren’t covered by your car’s warranty. Claims satisfaction rating is only 2 out of 5 stars. 4
EsuranceOffers low rates, first rate website, and good customer service. Customers claim Esurance will penalize for cancelling a policy. No local agents. 4
Southern Farm BureauAffordable rates in the markets they service with a bevy of discount options.
Faster than average claim payout times.
Policyholders seem very happy with Farm Bureau's personable customer service.
Can be tough to get in touch with the correct person at times when filing a claim.
There have been several reports of cancelled policies after an initial claim.
4
NJMCompetitive premiums and offerings.
High satisfaction with claims processing and coverage. Most customers stay with them once covered.
Insurance only available to employees of select organizations.
Only in New Jersey and Pennsylvania.
4
Safety Ins.VIP Claims Centers from Safety can be a great way to expedite the claims settlement process and minimize upheaval / interruption in drivers' lives. Rates are low for married and unmarried drivers.
Local expertise and concentration of personnel and service facilities in Massachusetts and New Hampshire.
Only available in Massachusetts and New Hampshire. Many customers say the claims process can be extremely slow with many followups after a claim submission. 4
WawanesaIf you have a clean driving record your premium should be below average with this insurer. Available only in California and Oregon. Drivers with infractions may have a substantially higher premium. 3.9
TitanGood, fairly priced options for non-standard auto insurance.
Coverage and company affiliated and backed by Nationwide parent company.
Only available in 26 states. The complaints are higher than average compared to similar insurers.3.8
Alfa MutualGood ratings on their financial strength, and a lower than average complaint index.Some customers complain of delays in and poor investigations during the claims resolution process. Coverage strongest in Alabama, Mississippi, and Georgia. Known in these states: Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, and Kentucky3.5
AlliedRecent partnership with Nationwide increases their coverage area and availabilityMight not get the same level of coverage and customer service in all areas. Not knowing which company you’re dealing with might cause confusion during the claims process3.5
Farm Bureau MutualOffers lower than average rates. Has a suite of discounts and affinity programs. Only available in 19 states.3.5
ArbellaSolid financial strength and business ratings should make you more confident in choosing Arbella. Competitive rates inside their service area.Auto policies only available in two states, Massachusetts and Connecticut.3.5
Grange MutualBeen in business since 1935 with over 1 billion in revenues. Can offer rates lower than main-street companies.Coverage available on in 12 states, Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, South Carolina, Tennessee, Virginia and Wisconsin.3.5
MercuryMercury has a network of nearly 6,000 agents. Available in Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, Nevada, New York, Oklahoma, Pennsylvania, Texas, and Virginia.Some policyholders have expressed concerns in reviews about delays and lack of timely response and follow-up from claims representatives.3.5
Auto ClubExcellent roadside assistance service.
AM Best Rating of A+ Superior. Multiple membership discounts.
Drivers complain new vehicles will have excessive fees. 3.5
Kentucky Farm BureauOffers lower rates than most competitors. Nice discount options and coverage terms. Not available in all states. Only in Kentucky. 3.5
EncompassStrong financial ratings. Are able to get unique and tailor policy options at a reasonable price.Poor reviews by customers of claims process. 3.4
ElephantGood repair assistance program to help drivers with damage vehicles. Premiums are lower than average. Only available in Virginia, Texas, Illinois, and Maryland. Consumer complaints are higher than average.3.2
AcceptanceGreat for non-standard or high risk drivers. Drivers with good driving history will pay above average. Claims process can be time consuming. 3.1
State FarmSuperior claims handling. State Farm has been the best at claims for years. Doesn’t offer stacked uninsured motorist or new car replacement coverages.3
Horace MannEstablished for teachers and those part of union, etc. Offers competitive rates. Claims process can be slow and payout from accidents are lower than expected. 3
Home StateHome State insurance was originally chartered in 1948. Less known company with little advertising. Strongest in Texas and currently owned by Berkshire Hathaway Group. Specializes in nonstandard policies for drivers.Limited to area where you can get coverage from them. Price of policy is typically higher than the average policy holder. This is to be expected with nonstandard policy coverage. 3
HanoverEasy to customize your policy. Nice string of discounts.Prices can be higher than average.3
MapfreCan get low rates through Mapfre in Northeastern states such as Massachusetts.MAPFRE’s geographical territory is limited to 18 U.S. states. Not all policy options are available in every state.3
KemperKemper has excellent financial strength, flexible payment options and attractive discounts for policyholders.Their rates can be higher than average. 3
The GeneralHisk risk drivers can get a policy with The General. Good for a person with a history of auto accidents. Has a reputation of not paying out claims in a timely fashion. Not good do for a driver with a clean record.3
SentrySentry has the highest financial strength rating available from A.M. Best. Attractive discounts to lower your premium by 20% or more. There are a number of customer complaints in the areas of products and services.3
State Auto GroupState Auto provides a variety of insurance options including car, home, farm, and business. Premium prices are usually average with many customers getting a lower rate from their previous carrier. Been in business since 1921 and policies are offered in 27 states. Claims handling process has poor reviews throughout online review portals. Many customers claim of substantially high rate hike after small claims. 3
ChubbCan pay with Agreed Settlements upfront. Choice of repair shops and no rental car daily limit. Tailors to individuals with higher than average net worth. 3
Good2goOffers extremely low rates some as little at $30 a month. Strong financial ratings.No brand recognition. Most believe to be a new company though Good2go has 25 years experience. 2.5
InfinityImmigrant friendly. With an AB 60 driver’s license resource center, immigrants can learn how to get a license in one place. If you’re new to the country, this company is very supportive of your driving.Infinity does make the JP Power list. Have to assume the financials aren't that great. 2.5
LoyaAccess to full-service and proprietary offices where agents can handle quotes and claims.Mixed reviews on claims resolution and response times. Only available in the states of CA, CO, IL, NV, NM, and TX2.5
National GeneralSmart Services add features and coverages which most other companies don’t offer. Discounts for using or being affiliated with General Motors.Mixed reviews of claims handling and auto insurance coverage types. 2.5
SafewayIt is difficult to find anything good about this company. Presentation of inconsistent information from website and agents. 2
Access AutoBasic online website with some options so you don't have to talk to an agent. Better Business Bureau ratings are poor. Many times it is difficult to get a claims adjuster on the phone. 1.9

Minimum Coverage by State, Uninsured Motorist Protection, & Personal Injury Protection

Type your state in the search to find details.

Average Yearly Premium SavingsStateMinimum Auto Insurance Coverage Uninsured Motorist Protection Required?Personal Injury Protection (PIP) Required?
$613/yrAlabama25/50/25
$765/yrAlaska50/100/25
$875/yrArizona15/30/10
$643/yrArkansas25/50/25
$912/yrCalifornia15/30/5
$1,008/yrColorado25/50/15
$876/yrConnecticut20/40/10
$1,043/yrDelaware15/30/10
$342/yrFlorida10/20/10
$1,754/yrGeorgia25/50/25
$438/yrHawaii20/40/10
$775/yrIdaho25/50/15
$954/yrIllinois20/40/15
$1,211/yrIndiana25/50/10
$658/yrIowa20/40/15
$699/yrKansas25/50/10
$1,211/yrKentucky25/50/10
$533/yrLouisiana15/30/25
$732/yrMaine50/100/25
$619/yrMaryland30/60/15
$323/yrMassachusetts20/40/5
$487/yrMichigan20/40/10
$769/yrMinnesota30/60/10
$1,006/yrMississippi25/50/25
$790/yrMissouri25/50/10
$643/yrMontana25/50/10
$628/yrNebraska25/50/25
$876/yrNevada15/30/10
$899/yrNew Hampshire25/50/25
$893/yrNew Jersey15/30/5
$937/yrNew Mexico25/50/10
$1,041/yrNew York25/50/10
$473/yrNorth Carolina30/60/25
$644/yrNorth Dakota25/50/25
$612/yrOhio25/50/25
$687/yrOklahoma25/50/25
$653/yrOregon25/50/20
$1,687/yrPennsylvania15/30/5
$743/yrRhode Island25/50/25
$834/yrSouth Carolina25/50/25
$531/yrSouth Dakota25/50/25
$589/yrTennessee25/50/15
$1,634/yrTexas30/60/25
$897/yrUtah25/65/15
$921/yrVermont25/50/10
$465/yrVirginia25/50/20
$855/yrWashington25/50/10
$1,710/yrWest Virginia20/40/10
$1,027/yrWisconsin25/50/10
$318/yrWyoming25/50/20