Roofing materials
Metal vs Asphalt Roofing in Indiana
A plain comparison of cost, lifespan and Indiana weather performance to help you choose.
The short answer: If your roof has years left and the damage is in one area, repair it. If shingles are failing across the roof or the same leaks keep returning, a replacement saves money over time. We tell you which one applies, with photos.
The short version
Asphalt shingles cost less up front and are the most common roof in Indianapolis. Metal costs roughly twice as much per square foot but generally lasts longer and handles snow well. The right choice depends on your budget, how long you plan to stay, your roof’s shape and what you want the house to look like.
Asphalt shingle roofs cost less to install, while metal roofs cost more up front and generally last longer. This Old House reported May 2026 averages of about $4.40 per square foot ($5,621 total) for asphalt and about $8.53 per square foot ($10,901 total) for metal. Metal tends to suit homeowners staying long term, and asphalt suits tighter budgets.
Cost comparison
This Old House reported in May 2026 that asphalt averaged about $4.40 per square foot with an average total of about $5,621, while metal averaged about $8.53 per square foot with an average total of about $10,901. Those are averages. Your roof’s size, pitch, layers to remove, deck repairs and the exact product will change your price, so get a written quote after an inspection. See roof replacement cost in Indianapolis.
Lifespan
Asphalt shingles are commonly expected to last roughly 15 to 30 years depending on product and conditions. Metal roofing is generally expected to last longer, often cited at several decades, though the figure depends on the metal, coating and installation. Check the manufacturer’s warranty for specifics. Read how long a roof lasts in Indiana.
Performance in Indiana weather
Snow and ice
Metal panels shed snow readily, which can be an advantage, but sliding snow can be a hazard over doors and walkways, so snow guards are often used. Asphalt holds snow longer. Either roof needs good attic ventilation and insulation to avoid ice dams. See ice dams in Indiana.
Hail
Hail can dent some metal panels even when they remain watertight, and impact-resistant asphalt exists in Class 4 form. Ask about impact ratings for either option and check how your insurer treats cosmetic damage.
Wind
Both can be rated for high wind when installed correctly. Installation and fastening matter.
Noise
Metal can be louder in rain without proper decking and insulation, though modern installations reduce this.
Appearance
Asphalt comes in many colors and styles and suits most neighborhoods. Metal comes as standing seam panels or as metal shingles and has a more modern or farmhouse look. Check HOA or neighborhood rules before choosing.
Installation and repair
Asphalt is installed by most roofers and repairs are simple to do locally. Metal requires installers with specific experience, since poor installation can cause leaks at seams and fasteners. Ask any contractor about metal-specific experience and request references.
Energy
Reflective metal coatings can reduce heat gain in summer. Asphalt can also be ordered in lighter, reflective colors. Ventilation and insulation matter more than the surface material.
Insurance
Some insurers offer discounts for impact-resistant roofing and some treat metal differently. Ask your insurer in writing before deciding. See the hail damage claim guide.
Which is right for you?
- Choose asphalt if you want the lowest up-front cost, a wide choice of styles and easy repairs.
- Choose metal if you plan to stay many years, want long service life and can afford the higher initial cost.
- Either way, insist on proper underlayment, flashing and ventilation.
Read more on asphalt shingle roofing and metal roofing.
Questions to ask before you decide
- What is the total price, installed, for each option on my roof?
- What warranty applies and what voids it?
- How many metal roofs have you installed locally?
- How will you handle snow guards, flashing and ventilation?
- Is everything in a written contract? Indiana requires one for residential work over $150.
Sources
Cost figures come from This Old House, May 2026. Contract requirement from the Indiana Home Improvement Contracts Act. Lifespan statements are general industry estimates. Always confirm ratings and warranties with the manufacturer.
Metal vs asphalt questions
Is metal roofing worth the extra cost?
It can be if you plan to stay long term, since it generally lasts longer. If you may sell soon or have a tight budget, asphalt may make more sense.
How much more does metal cost than asphalt?
This Old House reported May 2026 averages of about $8.53 per square foot for metal and $4.40 for asphalt.
Does metal handle Indiana snow?
Yes, it sheds snow well, though snow guards are often used. Ventilation and insulation still matter for ice dams.
Does hail damage metal roofs?
Hail can dent some metal panels. Ask about impact ratings and how your insurer treats cosmetic damage.
Is metal roofing noisy?
It can be louder in rain without proper decking and insulation. Modern installations reduce this.
Which lasts longer, metal or asphalt?
Metal is generally expected to last longer. Check the specific product warranty.
Can I put metal over shingles?
Some systems allow it, but many contractors recommend a tear-off to inspect the deck. Ask your roofer and check local requirements.
Does metal lower insurance?
Some insurers offer discounts for impact-resistant roofing. Ask yours in writing.
Is metal harder to repair?
It requires installers with metal experience. Ask for local references.
Do I need a contract?
The Indiana Home Improvement Contracts Act requires a written contract for residential work over $150.
Related:
Roof trouble in Indianapolis? Get a written estimate.
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R&R Roofing
Roofing contractor serving Indianapolis, Indiana and the surrounding suburbs.
(317) 555-0142
123 Main Street, Indianapolis, IN 46204
License #RR-2019-4821, fully insured
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