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Incredible Car Insurance Quotes Indianapolis References . But like major cities across the country, indianapolis insurance costs are often. A driver's gender will influence the car insurance rates they pay in some cases. Indy 500 Drivers Race Past Talk of Their Insurance, Says Agent from www.insurancejournal.com Cheapest auto insurance in indianapolis: The average annual cost of a full coverage car insurance policy in indianapolis is $1,322, which is $103 more than the indiana average of $1,219 per year. However, it will also leave you at risk.