What Auto Insurance is Cheapest for Government Employees in Indianapolis?

This would be a quick read if we could just tell you the one best car insurance company that has the best auto insurance prices in Indiana. It’s just not that easy, however, as there are a whole slew of unknowns like citations or tickets, the miles you drive each year, and if you have ever had a coverage lapse, that all help calculate your car insurance rates. This article delves into the best ways to compare rates and should give you a good beginning to your search for cheaper coverage.

Finding out which company offers the cheapest car insurance rates for government employees may require a tad more effort in order to find the lowest price. Each auto insurer has their own unique process to set their prices, so to begin we’ll rank the most competitive car insurance companies in Indiana.

Best Cheap Insurance Rates in Indiana

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Indiana auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $602
2 USAA $661
3 Cincinnati Insurance $664
4 Erie $705
5 Western Reserve $838
6 Indiana Farmers Mutual $849
7 The Hartford $855
8 Auto-Owners $915
9 Nationwide $930
10 Motorists Mutual $956
11 State Farm $957
12 Utica National $995
13 Hastings Mutual $1,003
14 Safeco $1,003
15 Farmers $1,022
16 Westfield $1,061
17 Wolverine Mutual $1,072
18 Progressive $1,106
19 State Auto $1,120
20 GEICO $1,122
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Travelers may have some of the cheapest car insurance rates in Indianapolis at around $602 a year. This is $638 less than the average rate paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Western Reserve also are some of the cheaper Indianapolis, IN insurance companies.

In the above example, if you are a customer of USAA and switched to Travelers, you could earn annual savings of approximately $59. Drivers with Cincinnati Insurance might save as much as $62 a year, and Erie customers might lower prices by $103 a year.

To find the cheapest coverage for you, click here or quote rates from the companies below.

Bear in mind that those rates are averages across all drivers and vehicles in Indiana and do not factor in a specific zip code for government employees. So the car insurance company that has the cheapest price for you may not even be in the top 36 companies in the list above. That is why you need to quote rates from many companies using your own driver and vehicle profiles.

One of the many criteria that determine the amount you pay each year for auto insurance is where you live in Indianapolis. Larger areas tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The following table rates the most expensive cities in Indiana for government employees in which to purchase auto insurance. Indianapolis is listed at #6 with the yearly price of $1,082 on average, which is around $90 monthly.

Car insurance prices in Indianapolis
Rank City Premium Per Year
1 Gary $1,401
2 Hammond $1,314
3 Merrillville $1,095
4 Portage $1,093
5 Lawrence $1,088
6 Indianapolis $1,082
7 Jeffersonville $1,070
8 Terre Haute $1,067
9 New Albany $1,059
10 Evansville $1,055
11 Anderson $1,031
12 Kokomo $1,031
13 Elkhart $985
14 South Bend $976
15 Fort Wayne $976
16 Fishers $974
17 Richmond $973
18 Mishawaka $965
19 Muncie $965
20 Bloomington $958
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Prices are estimated as the vehicle garaging location can impact prices noticeably.

Bad driving habits will cost you more

The easiest method to maintain low car insurance rates in Indianapolis for state and federal workers is to be a cautious driver and avoid tickets and accidents. The chart below shows how speeding tickets and at-fault accidents can drive up car insurance rates for different categories of driver ages. The premiums assume a married female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

The chart shows that the average cost of an auto insurance policy in Indianapolis per year with no accidents or violations is $1,143. Get two speeding tickets and the average cost increases to $1,621, an increase of $478 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of car insurance for government employees goes up to an average of $3,383. That’s an increase of $2,241, or $187 per month, just for not paying attention while driving!

Buying coverage from a good quality company is difficult considering how many companies there are to choose from in Indianapolis. The company ratings below may help you decide which insurers you want to consider when trying to find the cheapest insurance for government employees.

The ratings below are only made up of the largest companies in the United States, so smaller regional companies are not included in these rankings. To view rates from these companies and more, click this link.

Top 10 Major Auto Insurance Companies in Indianapolis Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. State Farm
  6. Liberty Mutual
  7. Safeco Insurance
  8. Allstate
  9. 21st Century
  10. Travelers

Top 10 Major Auto Insurance Companies in Indianapolis Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

Why you should be comparing rates

Indianapolis car insurance rates are impacted by many things which can substantially decrease or increase the cost of having a policy. Simply having another birthday, adding a teenager to your policy, or getting a driving violation may generate price changes that can cause some rates to be cheaper than competitors. Not only that, but auto insurance companies change rates at least once a year in order to be able to pay unexpected claims. Significantly higher claims can cause increased rates, while a lower level of claims may produce more affordable Indianapolis car insurance rates.

To illustrate this example, the graph below shows the company with the cheapest car insurance in Indianapolis, IN for a 40-year-old male driver with no accidents, a clean driving record, and great credit. If we estimate prices based on his current risk factors, Travelers may have the cheapest car insurance rates in Indianapolis at $687 per year. This is $553 less than the average policy premium paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve are the remainder of the best Indianapolis, IN auto insurance companies.

The chart below compares rates after we give the driver in the first example a chargeable accident, bad credit, and a few blemishes on his driving record. Because each insurer has their own guidelines for filing rates in each state, comparing insurance quotes may now result in a significantly different list of companies as shown below.

Indiana Farmers Mutual now has the cheapest rate in Indianapolis, IN with Auto-Owners, USAA, Motorists Mutual, and Cincinnati Insurance now being in the top five. This shows why it is critical to compare many different companies to find the most affordable insurance quotes for government employees. Auto insurance prices are influenced by many risk factors and change frequently, so the best price the last time you checked may now be quite expensive.

The agents shown below can help you make a decision which car insurance company is the best fit, since some drivers aren’t sure which coverage they need and prefer to get some guidance when comparing insurance rates for state and federal workers. It’s not always simple to find the best rates on your own, so agents can bring peace of mind knowing you have sufficient coverage at claim time.

To locate an Indianapolis auto insurance agent nearest to you, click the button after the list.

Tia Walker – State Farm Insurance Agent
2169 Glebe St #100aCarmel, IN 46032(317) 890-1200

American Family Insurance – Brian Ciesil
1398 Shadeland Ave Ste 2233Indianapolis, IN 46219(317) 353-6225

Frances Johnson – State Farm Insurance Agent
5707 N Michigan RdIndianapolis, IN 46228(317) 257-3504

Affordable Insurance Agency
10 S Mickley AveIndianapolis, IN 46241(317) 484-9195

Leland Brown Sr. – State Farm Insurance Agent
5936 N Keystone Ave #201Indianapolis, IN 46220(317) 251-1400

Find an Indianapolis, IN insurance agent near you

Ideas for finding budget-friendly car insurance for government employees

Lowering your rates is not difficult, and here are some of the better thrifty ideas that can help Indianapolis drivers get cheap auto insurance.

The last item on the list is extremely critical, as was discussed in the prior article. Car insurance rates in Indianapolis can be changed at any time, so don’t be unwilling to switch companies if a better deal can be had.

Brand loyalty is great, but it isn’t a good idea if that dedication is costing a considerable chunk of change every month. Spend a few minutes and compare rates to find cheaper auto insurance for government employees.