Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Carmel

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Carmel Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

64Reviewed

44Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

600 East Carmel Drive, Carmel, IN 46032
WebsiteLicense: 37409

Expertise.com Rating

Review Sources

Google
5.0 (80)
Facebook
4.7 (45)

Why choose this provider?

Penwell Insurance is a Carmel-based independent insurance agency that provides a variety of insurance products in its locality. Some of the insurance products they offer are personal, business, and life coverage. Under its personal insurance, one can find auto, renters, homeowners, flood, boat and marine, and motorcycle coverage. The insurance agency's objective is to provide its clients with a complete picture of their risk profile and offer insurance solutions to fit their needs and budget.

  • Multiple Carriers
  • RV & Motorhome
  • Bundling Option

1075 Broad Ripple Avenue, Indianapolis, IN 46220
WebsiteLicense: 37013

Expertise.com Rating

Why choose this provider?

Specializing in providing assistance to drivers and vehicle owners, Accurate Auto Insurance offers all aspects of car insurance assistance to Carmel and the surrounding cities. Clients having complications with tickets, accidents, and suspension are also assisted by the company. In addition to autos, the agency offers coverage for motorcycles and SR22. Rideshare companies and businesses can also avail of the company's commercial auto insurance. Accurate Auto Insurance has offices throughout the Chicagoland area and greater United States.

  • RV & Motorhome

1905 South New Market Street Suite 158, Carmel, IN 46032
WebsiteLicense: 908076

Expertise.com Rating

Review Sources

Google
5.0 (32)
Facebook
5.0 (18)
Yelp
5.0 (1)

Why choose this provider?

The DeRoss Agency, Inc. is an independent insurance firm based in Carmel that serves all of Illinois. It provides assistance to both private and commercial vehicle owners to secure car insurance. Working with multiple financially sound carriers, it sources quotes for clients to choose from, taking into consideration their state’s laws, as well as their individual needs and risks. The DeRoss Agency, Inc. also insures other vehicles, such as motorcycles, boats, and various watercraft.

  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

450 East 96th Street, Indianapolis, IN 46240
WebsiteLicense: 714316

Expertise.com Rating

Review Sources

Google
5.0 (32)

Why choose this provider?

Hoosier Insurance Group maintains a network of insurance carriers to provide insurance solutions in Carmel. The firm walks clients through the insurance process of various companies, including Travelers, Safeco Insurance, and The Hartford. Its insurance products offer coverages for motorcycles, off-road vehicles, homeowners, and renters. Hoosier Insurance Group abides by the "Golden Rule" in its business dealings. Its insurance agents educate clients about potential risks and adopt a proactive approach in keeping individuals, families, and businesses protected.

  • Boats
  • Motorcyle & ATV

2421 Production Drive, Indianapolis, IN 46242
WebsiteLicense: 1020860

Expertise.com Rating

Review Sources

Google
4.7 (9)
Facebook
4.4 (7)

Why choose this provider?

Merritt Hall Insurance maintains a carrier-partner network to provide auto insurance options in Carmel. The firm helps car owners find suitable insurance coverage packages from multiple insurance quotes. These coverage types include compensation for losses or damage arising from theft, glass breakage, falling objects, fire, and flood. Policyholders also receive financial protection for collisions, with enhancement options for accident forgiveness, GAP coverage, and diminishing deductible. In addition, they obtain reimbursements for roadside assistance, medical payments, and rentals.

  • Multiple Carriers

2472 East 116th Street, Carmel, IN 46032
WebsiteLicense: 2790520

Expertise.com Rating

Review Sources

Google
3.4 (9)
Yelp
4.5 (2)

Why choose this provider?

David Zook is a State Farm insurance agent serving Carmel clients since 1980. He offers a wide range of car insurance coverages for teen drivers, rental cars, and sports cars. The coverage options can include collision and comprehensive insurance coverages that can protect drivers and their cars from covered losses. Banking and investment services are also available for clients. Zook is a member of the Hamilton County Chamber of Commerce as well as the National Association of Insurance and Financial Advisors.

  • Bundling Option

1800 North Meridian Street, Indianapolis, IN 46202
WebsiteLicense: 3174616

Expertise.com Rating

Review Sources

Google
4.8 (84)
Facebook
4.4 (23)

Why choose this provider?

Burns Family Insurance Agency is an independent insurance agency serving the insurance needs of customers in Carmel and nearby areas. The agency's goal is to educate the communities on the best options for their car insurance needs. Its insurance agents help clients choose the appropriate level of auto insurance coverage that depends on various factors, including assets that must be protected, the client's tolerance risk, and the value of the vehicle. Some additional lines of insurance they service are for SR-22A and antique cars.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

9100 Keystone Crossing, Indianapolis, IN 46240
WebsiteLicense: 444186

Expertise.com Rating

Review Sources

Google
5.0 (125)

Why choose this provider?

Steffey Insurance has been servicing the Carmel area since 1970. Its team of seasoned professionals provides personalized solutions to individuals, families, and businesses. They offer personal and commercial auto, home or commercial property, as well as life and umbrella insurance policies. The auto policy covers the financial responsibilities of the driving clients involved in an accident, including damages, injuries, and medical expenses. Steffey Insurance maintains a blog to further educate its clients about the insurance products it offers.

  • Multiple Carriers

712 West Main Street, Suite 106, Plainfield, IN 46168
WebsiteLicense: 814431

Expertise.com Rating

Review Sources

Google
4.5 (103)
Facebook
5.0 (16)

Why choose this provider?

Dunn Insurance is an independent insurance agency serving the Plainfield and Carmel areas. The agency works with several insurance carriers to provide suitable auto insurance options to its clients. The auto insurance it offers has liability coverage in case the policyholder injures other people in a vehicular accident. It also has comprehensive and collision coverage to allow its clients to avoid financial losses due to damage to their cars. The insurance carriers Dunn Insurance works with include Erie Insurance, Progressive, and Safeco Insurance.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

3077 East 98th Street, Indianapolis, IN 46280
WebsiteLicense: 2065690

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Jim Metzler has been providing insurance solutions in Carmel and the surrounding areas since 1981. He is an insurance agent under State Farm, which allows him to offer a wide range of insurance products, including auto policy coverage with collision, comprehensive, rental, and rideshare insurance. His firm can also quote auto insurance for young drivers and special vehicles. Some of its other products are homeowners, renters, life, and business insurance. Jim and his professional team have over 130 years of cumulative experience in the industry.

  • Multiple Carriers

Carmel, IN
WebsiteLicense: 1181480

Expertise.com Rating

Why choose this provider?

Colliver Insurance helps meet the auto insurance needs of clients in the Indianapolis and Carmel areas. Established in 1999, the agency works with several insurance carriers in offering a range of auto insurance options for its clients. Its licensed professionals explain these options and the factors the clients have to consider before deciding on the insurance policy to choose. The agency also walks its clients through the whole process. Additionally, the agency has a strong focus on good customer service.

  • Multiple Carriers

2929 East 96th Street, Indianapolis, IN 46240
WebsiteLicense: 449832

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

A-1 Insurance Agency is an independent business that provides car insurance to clients in Carmel. It offers policies that can include property, liability, and medical coverages. Aside from car insurance, the company also helps customers acquire home, business and commercial, life, and recreational insurance plans. A-1 Insurance Agency, which has been serving Indianapolis for 35 years, is composed of agents that are committed to being always ready to assist clients with their insurance needs.

  • Multiple Carriers

20222 Hague Road, Noblesville, IN 46062
WebsiteLicense: 452778

Expertise.com Rating

Review Sources

Facebook
5.0 (6)

Why choose this provider?

Gordon Insurance has been providing for the insurance needs of clients in the Noblesville and Carmel areas for more than two decades. This independent insurance agency offers a wide range of insurance products, including auto insurance, from several insurance carriers. The auto insurance policies it offers have bodily injury liability and uninsured motorist bodily injury coverage. In addition to automobiles, Gordon Insurance also offers insurance for motorcycles, boats, ATVs, and golf carts.

  • Multiple Carriers

7196 East US Highway 36, Avon, IN 46123
WebsiteLicense: 947008

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (11)

Why choose this provider?

Beck Curry Insurance Group is an independent insurance agency that handles the insurance demands of Carmel residents, families, and businesses. It offers a wide array of vehicle insurance products for cars, classic cars, trucks, SUVs, commercial cars, recreational vehicles, and motorcycles. It also provides insurance for scooters, boats, RVs, personal watercraft, and commercial trucks. The insurance professionals at Beck Curry Insurance Group share 40 years of experience in the industry. They maintain relationships with multiple insurance companies, including State Auto Insurance, Nationwide, and Grange Insurance.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Are incidents brought on by black ice covered by your Carmel auto insurance?

    If you are in a car accident in Carmel caused by black ice, your collision insurance will pay for the damage to your car, minus your deductible. Your liability insurance can also protect you, up to your policy limits, if you are at fault for the accident and someone else is injured or has property damage.

  • Does Carmel auto insurance include coverage for a car seat replacement?

    Yes. The collision coverage of a car insurance policy in Carmel will cover the cost of replacing a damaged car seat. Insurance companies may pay for the replacement of a car seat even if there are no signs that the accident has weakened its integrity.

  • What would happen if you failed to pay your monthly auto insurance premium in Carmel?

    If you don't pay your monthly auto insurance premium in Carmel, your insurance provider will cancel your policy. In addition to canceling your policy, the insurance provider may forbid you from getting another policy from them. Because of the coverage gap, your rate may be significantly higher when you get a new policy.

  • Does the roadside assistance coverage of your car insurance policy in Carmel extend to situations where you aren't operating your own vehicle?

    Yes. The majority of roadside assistance coverage in Carmel follows the person rather than the vehicle. This means that if you have a roadside assistance plan and are riding someone else's automobile, you should be able to access the same coverage just like when you are driving your own vehicle.

  • Do speeding violations raise your Carmel auto insurance premium?

    Yes. When purchasing auto insurance in Carmel, keep in mind that your driving history is important because insurance providers have discovered that a driver's past behavior frequently predicts their future driving behavior. As a result, your auto insurance rate will probably be higher than rates for drivers with pristine driving records if you've recently had speeding tickets, accidents, or other offenses.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.