Indianapolis Insurance Rates:

Indianapolis, IN homeowners insurance is roughly $695 to $940, about $57-$78/month. Our detailed guide reveals consumers can save upto $326 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
State Farm does often raise the premium on homeowners. Even with no claims submitted, there are periodic increases in their pricing. In order to get fair prices on the premium, I must bundle car insurance with the homeowner's package.
Grange Insurance
What I really like about the customer service is that they are always prompt in getting to me when I have a question and they do not outsource for the call center
Auto Owners
I don't really have many complaints about the company thus far. If anything, I would say they need more availability on their webpage and mobile app, and would like to see more options for lower deductibles.
Farmer's Insurance
I like the fact that they always put the customer first no matter what. They do make you feel important and that you are being heard. And they have amazing customer service.
State Farm
I like that he sends my bill to me each month and every year will send me a birthday card. He also sends emails which is easier for me.
American Modern Insurance
I've never heard from them, which is normal, I guess. They aren't super good at communicating about anything, really. I'll find out when I file a claim.
Geico
There is nothing that I really dislike about the company. I just wish my premium was a little bit lower. I understand though with my home age and with an old unused building on the property.
State Farm
The company overall is good. They take care of me as a person and know me. They are a big business, however, so they are not perfect. Things run slow. Anytime you deal with a slow process that like that, pains are felt. Overall I would likely not switch though as I am sure that slow process exists in all companies.
Aaa
I am satisfied with the service and how reliable they are and how they promptly correct my problems. I am also satisfied they have good customer service.
State Farm
There is nothing I dislike about the company. I think that they are great and should be around for a long time.
The Hartford
All of the staff that i have spoken to over the phone or in the office, have been beyond friendly.
State Farm
I am not given any information about ways to save money on my insurance or protect myself from new threats that could be developing in the area.
American Modern Insurance
I also like american modern because i have a specific home insurance agent that is assigned to me. because this agent is assigned to work on my case, he is very familiar with me and my home insurance claims when i reach out to him.

Indianapolis, IN Homeowners Insurance By Home Value

Indianapolis, IN Home Value Total Homes % of Total Average Indianapolis, IN Homeowners Insurance
Less than $50,000 15,123 8.0% $163
$50,000 to $59,999 6,799 3.0% $351
$60,000 to $69,999 9,332 5.0% $441
$70,000 to $79,999 10,126 5.0% $506
$80,000 to $89,999 12,379 7.0% $571
$90,000 to $99,999 12,478 7.0% $645
$100,000 to $124,999 32,177 18.0% $743
$125,000 to $149,999 24,576 13.0% $931
$150,000 to $174,999 19,347 10.0% $1102
$175,000 to $199,999 10,773 6.0% $1274
$200,000 to $249,999 11,358 6.0% $1535
$250,000 to $299,999 6,432 3.0% $1870
$300,000 to $399,999 5,871 3.0% $2377

Top Home Insurance Agents Near Indianapolis, IN

Home Insurance Company Near Indianapolis, IN Homeowners Insurance Agency Near Indianapolis, IN Address
NA Marvin Johnson & Associates 305 Washington St., Columbus, IN, 47201
NA Hbg-Wiggins Insurance Agency 1655 E Hawthorn Dr, Plainfield, IN, 46168
NA United Insurance Agencies 220 South Walnut St, Muncie, IN, 47305
Erie Gredy Insurance Agency Inc. 3939 S Walnut Street Suite 1, Bloomington, IN, 47401
Travelers Regions Insurance Inc 2701 ALBRIGHT RD, KOKOMO, IN, 46902

Cost Of Homeowners Insurance By Street Near Indianapolis, IN

Streets in Indianapolis Area Homeowners Insurance Cost
Brookview Cir, Westbourne Dr, Potters Cove Ct, Classic Cir, Harbour Isle, Brennan Rd, Sargent Ridge, Questover Cir, E Ray St, E Oak Ave$786
N Rybolt Ave, Forest View Dr, Leota St, Caisson St, Alonzo Pl, Chesterbrook Ct, Sheffield Ct, N Glen Arm Rd, Bel Moore Cir, Brendon Way Ct$803
Heathmore Dr, New Salem Overlook, Rock Oak Dr, Lahabra Ln, Meganwood Ct, Hillside Ave E Dr, S Bradley Ave, Capel Dr, Monon Cir, Purcell Cir$852
Rambling Rd, Sienna Cir, Old Trails Rd, Network Way, Harvest Ridge Ct, Jay Ct, Pinesprings W Dr, Navigate Way, Opal Ridge Ln, Manning Rd$859
Barnor Dr, Woodfront Pl, S Livingston Ave, S Whitcomb Ave, Skeeter Ct, Brown Cir, Shady Hollow Ln, Summerfield Dr, Oakwood Trl, Ingalls Way$820
Margaret Ct, Aylesford Ln, Orchestra Way, Lockerbie St, Frank St, Nantucket Ct, Bretton Wood Dr, Radcliffe Ct, E Oak Ave, Red Horizon Blvd$829
Derby Ct, Harway Ct, N Earl Ave, Solun Ct, Seascape Ct, Continental Ct, Stonecreek Dr, Admiralty Ln, Cedar Dr, Evison St$810
Elmtree Park Pl, Springdale Pl, Red Clover Dr, N Rochester Ave, Kansas St, Honey Creek Ct, Stone Ring Cir, Constantino Ln, Rebel Run, Park Central Ct$805
Grinnell Ln, Rosegate Pl, Stadium Dr, Chenille Ct, Pine Forge Cir, N Jefferson Ave, Busseron Ln, Carlyle Ln, Rawles Ave, Basin Park Dr$855
Elmtree Ct, Ridge Vale Pl, Thicket Hill Ln, Cromer Rd, Oakbrook Ct, Spinnaker Ct, Tenor Way, McCollough Ct, Bearwood Ct, Pinellas Park Dr$811

Indianapolis, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Indianapolis$122 to $124
Center$117
Marion County$122
Spring Hill$136

Indianapolis, IN Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Center township, Marion County, Indiana $118 $157 $236
Marion County, Indiana $122 $163 $245
Spring Hill town, Indiana $136 $181 $272

Indianapolis, IN Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Indianapolis, IN5.8%17.7%
Center7.02%20.73%
Marion County5.82%17.75%
Spring Hill3.19%8.05%

Indianapolis Renters Insurance as a Percentage of Rent

Indianapolis Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 2,331 1.0% $348
$200 to $299 3,273 2.0% $798
$300 to $499 10,683 7.0% $1248
$500 to $749 51,995 37.0% $1923
$750 to $999 43,561 31.0% $2673
$1,000 to $1,499 22,224 16.0% $3798
$1,500 or more 3,818 2.0% $5448

Indianapolis, IN Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
46203 $75,400 $800
46201 $69,700 $790
46222 $64,900 $790
46225 $63,600 $780
46218 $61,700 $780
46204 $266,700 $940
46220 $187,100 $870
46202 $170,700 $870
46228 $141,400 $840
46205 $120,000 $830
46208 $111,400 $820
46235 $106,100 $820
46219 $100,300 $810
46221 $100,200 $810

Indianapolis, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Indianapolis Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,200$5,600
Net Savings to Indianapolis Home Owner from High Deductible Plan $600

Indianapolis, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Indianapolis, IN Home Replacement Value MORE than Home Value Indianapolis, IN Home Replacement Value LESS than Home Value
Replacement Value $157,500 $113,500
Insurance Premium based on Replacement Value $650 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,500 Risk Exposure from Under Insuring Coverage is $31,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $50/year

Example Indianapolis Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmTravelersErie Insurance
Monthly Premium 626971
Year Built 201420051965
Home Details 5 Beds, 1 Baths4 Beds, 2 Baths3 Beds, 1 Baths
Coverage Amount $250000-$300000$200000-$250000$175000-$200000
Deductible > $10,000 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Indianapolis, IN from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 185,000 Wood Shake Roof 2,170 3 $5000 to $10,000 Deductible 250 6 Fiber-Cement Siding No
1943 85,000 Asphalt Shingles Roof 980 2 $2500-$5000 Deductible 100 4 Fiber-Cement Siding yes
2010 95,000 Composition Roof 1,240 2 $500- $1000 Deductible 110 3 Brick siding No
1984 110,000 Slate Shingles Roof 1,240 3 $2500-$5000 Deductible 300 9 Stucco siding yes
2011 85,000 Asphalt Shingles Roof 940 2 $500 Deductible 290 12 Brick siding No
1943 95,000 Wood Shake Roof 1,370 3 $500 Deductible 80 2 Stucco siding yes
1999 85,000 Composition Roof 1,240 3 $500- $1000 Deductible 90 2 Stone Siding yes
2000 270,000 Slate Shingles Roof 2,980 4 $5000 to $10,000 Deductible 980 12 Fiber-Cement Siding yes
1940 125,000 Wood Shake Roof 1,650 4 $2500-$5000 Deductible 440 10 Vinyl siding No
1974 190,000 Membrane Roof 2,260 5 $1000-$2500 Deductible 660 8 Wood siding No
1998 80,000 Metal Roof 1,160 2 $1000-$2500 Deductible 30 1 Brick siding No
2000 135,000 Slate Shingles Roof 2,150 4 $500- $1000 Deductible 340 7 Stucco siding No
1941 205,000 Composition Roof 2,610 4 $1000-$2500 Deductible 270 4 Wood siding yes
2014 125,000 Shingles Roof 1,550 2 $1000-$2500 Deductible 430 8 Stone Siding yes
1960 415,000 Asphalt Shingles Roof 4,590 5 $5000 to $10,000 Deductible 280 3 Vinyl siding yes
1990 110,000 Asphalt Shingles Roof 1,230 3 $500 Deductible 70 2 Brick siding No
1993 100,000 Wood Shake Roof 1,190 2 $1000-$2500 Deductible 230 7 Stucco siding yes
1982 90,000 Tile Roof 1,430 2 $500- $1000 Deductible 200 5 Stone Siding No