Cheapest Auto Insurance in Evansville, Indiana (2024)
Auto-Owners offers the cheapest car insurance in Evansville, with minimum-coverage policies as low as $28 per month.
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Written byJanet Berry-Johnson
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 20, 2024
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Table of contents
Evansville, Indiana, residents can enjoy views of the Ohio River, visits to multiple museums, and plenty of parks. But before driving downtown to enjoy the city’s riverfront, you’ll first need car insurance. If you’re searching for the cheapest car insurance in Evansville, Indiana, it helps to know that the overall average cost is $111 per month, which is nearly the same as the overall state average of $108 and much lower than the overall national average of $154.
To help you compare quotes and decide which policy provides the most value at the right price, it’s a good idea to start with an understanding of how car insurance works in Indiana, the factors that affect rates, and how to save money on your auto insurance.
Quick Facts
Auto insurance costs an average of $144 per month for full coverage and $77 for liability-only coverage in Evansville.
Auto-Owners, State Farm, and USAA have the cheapest insurance in the city.
Having incidents on your driving record — including at-fault accidents, speeding tickets, and DUIs — can drive up the cost of your auto insurance.
3 of the cheapest car insurance companies in Evansville
With many different companies and coverage options available, knowing which is right for you can be challenging. The quotes you receive depend on your age, location, driving history, and vehicle. To make the decision easier, Insurify analyzed Evansville’s best car insurance companies. The average rates in the table below are for Indiana overall, not just Evansville.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $54 | $27 | Bundling |
| State Farm | 9.3 | $57 | $29 | High-risk drivers |
| USAA | 9.4 | $61 | $31 | Military members |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for bundling: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $28/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $55/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners is one of the top companies for auto insurance in Evansville, offering competitive rates and comprehensive coverage. Drivers can also take advantage of discounts for bundling, going claims-free, paperless billing, and more.
Pros
Offers policies for home, auto, life, and business insurance
If you bundle home and auto and have a claim that damages both, only one deductible applies
Cons
Quotes not available online — only through an agent
No 24/7 claims service
Best insurer for high-risk drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $30/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $59/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers some of Evansville’s lowest auto premiums, even if you have a speeding ticket, accident, or DUI on your record. Furthermore, it’s one of the leading car insurance companies in the country by market share.
Pros
Competitive pricing with many discounts available
Personalized service from a network of local agents
Cons
Poor Trustpilot ratings
Can’t buy a policy online
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $32/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $63/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers insurance, as well as a variety of financial products, for veterans, military members, and their families. If you’re eligible for USAA auto insurance, you can enjoy highly rated customer service and military-centric perks.
Pros
Usage-based insurance (UBI) options available in Indiana
Offers bundling discounts
Cons
Only available to active military, veterans, and their families
Bundle discounts not available for UBI insurance policies
How to get the cheapest car insurance in Evansville
Insurers base auto insurance rates on several factors, including your age, driving experience, the type of vehicle you drive, and your location.[1]
While factors like your age and location may be out of your control, you can still get cheap car insurance in Evansville with the following steps:
Increase your deductible. Raising your deductible can lower your monthly premiums because you’ll cover more of the cost to repair or replace your vehicle after a covered claim.
Take advantage of discounts. Many insurers offer discounts for having safety and anti-theft equipment installed on your vehicle, bundling home insurance and auto insurance policies, taking driver education courses, and for students who earn good grades.
Maintain a good credit score. Insurance companies in Indiana can use credit scores to determine premiums, so having a good credit score can result in cheaper insurance.[2]
Shop around. Don’t just settle for the first quote you get. Compare auto quotes from multiple insurance companies with the same coverage levels to find the one that offers you the cheapest coverage.
Find Cheap Auto Insurance in Evansville
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Evansville: Auto-Owners
If you’re looking for the most affordable car insurance in Evansville, Indiana, liability-only policies can be an option. Liability-only car insurance covers only the costs for injuries and damages you cause to other people and their property — it doesn’t cover any damage to your vehicle.
Liability-only policies in Evansville cost $77 per month, on average. The table below shows the average monthly premiums for liability-only policies from some of Evansville’s top car insurance companies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $28 |
| State Farm | $30 |
| USAA | $32 |
| GEICO | $33 |
| American Family | $44 |
| Clearcover | $50 |
| Progressive | $55 |
| Travelers | $59 |
| Farmers | $62 |
| Direct Auto | $66 |
| Root | $68 |
| Allstate | $70 |
| Dairyland | $73 |
| Nationwide | $77 |
| CSAA | $78 |
| National General | $82 |
| The General | $83 |
| Safeco | $85 |
| Bristol West | $88 |
| Elephant | $88 |
| Liberty Mutual | $90 |
| GAINSCO | $92 |
| Foremost | $116 |
| AssuranceAmerica | $128 |
| State Auto | $146 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Evansville: Auto-Owners
Full-coverage policies provide liability coverage for damage you cause to other people and their property but also cover the cost of repairing or replacing your vehicle if it’s damaged in an accident — regardless of fault — or another covered claim. Drivers in Evansville pay an average of $144 per month for full-coverage insurance.
The table below shows the average monthly premiums for full-coverage policies from some of the top car insurance companies in Evansville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $55 |
| State Farm | $59 |
| USAA | $63 |
| GEICO | $65 |
| Clearcover | $83 |
| American Family | $86 |
| Root | $108 |
| Progressive | $109 |
| Travelers | $116 |
| Farmers | $121 |
| Direct Auto | $128 |
| CSAA | $131 |
| Allstate | $138 |
| Elephant | $138 |
| Nationwide | $152 |
| Safeco | $152 |
| National General | $162 |
| Dairyland | $180 |
| The General | $189 |
| Bristol West | $198 |
| AssuranceAmerica | $201 |
| Liberty Mutual | $203 |
| GAINSCO | $214 |
| Foremost | $220 |
| State Auto | $288 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Evansville, Indiana
Drivers in and around Evansville, Indiana have found policies from Direct Auto, Liberty Mutual, Elephant, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Evansville, Indiana within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Evansville, Indiana within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Indiana
Indiana is an at-fault state, meaning drivers are financially responsible for any damage or injury when they cause an accident. All drivers must carry at least the minimum liability coverage Indiana law requires, including bodily injury liability and property damage liability. And all newly written auto policies in Indiana must also include uninsured and underinsured motorist coverage, unless the policyholder rejects the coverage in writing.
Here are Indiana’s minimum liability coverage requirements for drivers:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist bodily injury | $50,000 per accident |
“Buying the cheapest policy is not necessarily the best decision for every driver,” says Jeffrey L. Brewer, vice president of public affairs at the American Property Casualty Insurance Association. “Consider the type of vehicle that is being insured and the assets you need to protect.”
For additional coverage and peace of mind on the road, drivers should consider the following additions to their auto insurance policies, especially if they have an expensive or new car:
Comprehensive coverage
This covers vehicle damage from non-collision events, like falling objects, natural disasters, theft, and vandalism.
Collision coverage
This insurance add-on includes coverage for damages from an accident or collision, even if you caused it.
Roadside assistance
This provides coverage for getting a tow, jump-start, or tire change when your car breaks down.
Cheapest car insurance for drivers with an incident
Having incidents like at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations on your record can result in increased car insurance rates.[3] Insurers see drivers with these incidents as a higher risk and charge higher premiums to offset that risk.
However, these rate increases won’t last forever. As long as you avoid accidents, speeding, and driving under the influence, you may eventually see lower rates.
Find Cheap Auto Insurance in Evansville
Monthly rates start at $35 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
In Indiana, speeding tickets can add two points to your license and stay on your record for two years.[4] They can also increase your car insurance premiums. The average cost of car insurance for drivers with a speeding ticket in Evansville is $209 per month for full coverage and $112 for liability only.
If you’re looking for cheap car insurance in Evansville after a speeding ticket, start your search with the insurers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $28 | $37 |
| State Farm | $30 | $39 |
| USAA | $32 | $42 |
| GEICO | $33 | $44 |
| American Family | $44 | $58 |
| Clearcover | $50 | $67 |
| Progressive | $55 | $72 |
| Travelers | $59 | $79 |
| Farmers | $62 | $82 |
| Direct Auto | $66 | $87 |
| Root | $68 | $96 |
| Allstate | $70 | $93 |
| Dairyland | $73 | $96 |
| Nationwide | $77 | $103 |
| CSAA | $78 | $105 |
| National General | $82 | $109 |
| The General | $83 | $112 |
| Safeco | $85 | $114 |
| Bristol West | $88 | $117 |
| Elephant | $88 | $125 |
| Liberty Mutual | $90 | $128 |
| GAINSCO | $92 | $131 |
| Foremost | $116 | $165 |
| AssuranceAmerica | $128 | $169 |
| State Auto | $146 | $208 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
An at-fault accident is extremely likely to raise your rates.[3] Even just one accident signals higher risk to insurance companies, which increase prices accordingly. In Evansville, Indiana, the average cost of car insurance for drivers with an accident is $207 per month for full coverage and $111 for liability only.
The table below outlines the cheapest car insurance companies for drivers with an at-fault accident on their record in Evansville, Indiana.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $28 | $38 |
| State Farm | $30 | $40 |
| USAA | $32 | $43 |
| GEICO | $33 | $45 |
| American Family | $44 | $60 |
| Clearcover | $50 | $73 |
| Progressive | $55 | $75 |
| Travelers | $59 | $80 |
| Farmers | $62 | $84 |
| Direct Auto | $66 | $91 |
| Root | $68 | $98 |
| Allstate | $70 | $95 |
| Dairyland | $73 | $98 |
| Nationwide | $77 | $105 |
| CSAA | $78 | $109 |
| National General | $82 | $111 |
| The General | $83 | $114 |
| Safeco | $85 | $114 |
| Bristol West | $88 | $119 |
| Elephant | $88 | $117 |
| Liberty Mutual | $90 | $130 |
| GAINSCO | $92 | $119 |
| Foremost | $116 | $167 |
| AssuranceAmerica | $128 | $169 |
| State Auto | $146 | $215 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving while under the influence of drugs and alcohol is extremely dangerous. About 37 people in the U.S. die in drunk-driving-related crashes every day, according to the National Highway Traffic Safety Administration.[5]
Insurance companies charge the highest rates for drivers with a DUI on their record because they view them as a higher risk. And subsequent convictions can trigger a non-renewal for your policy, or the state can require an SR-22 insurance filing for you to drive again. Evansville drivers pay an average of $235 per month for full coverage and $126 for liability only after a DUI conviction.
The table below shows average monthly premiums for drivers with DUIs from some of Evansville’s top car insurance companies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $28 | $46 |
| State Farm | $30 | $49 |
| USAA | $32 | $53 |
| GEICO | $33 | $54 |
| American Family | $44 | $72 |
| Clearcover | $50 | $82 |
| Progressive | $55 | $90 |
| Travelers | $59 | $97 |
| Farmers | $62 | $102 |
| Direct Auto | $66 | $108 |
| Root | $68 | $100 |
| Allstate | $70 | $115 |
| Dairyland | $73 | $120 |
| Nationwide | $77 | $126 |
| CSAA | $78 | $115 |
| National General | $82 | $135 |
| The General | $83 | $136 |
| Safeco | $85 | $129 |
| Bristol West | $88 | $144 |
| Elephant | $88 | $144 |
| Liberty Mutual | $90 | $148 |
| GAINSCO | $92 | $151 |
| Foremost | $116 | $190 |
| AssuranceAmerica | $128 | $210 |
| State Auto | $146 | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Insurance companies typically charge older drivers less for car insurance. But seniors may have poorer vision or slower reaction times compared to younger drivers, which can lead to increased accidents and premiums.[6] Overall, though, seniors experience the best rates in Evansville compared to other age groups, according to Insurify data.
The average cost of car insurance for senior drivers in Evansville is $110 per month for full coverage and $59 for liability only. The table below shows the average monthly premiums for senior drivers from some of the top car insurance companies in Evansville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $21 | $42 |
| State Farm | $22 | $44 |
| GEICO | $25 | $50 |
| USAA | $25 | $48 |
| American Family | $33 | $65 |
| Progressive | $38 | $75 |
| Clearcover | $41 | $69 |
| Travelers | $44 | $87 |
| Farmers | $46 | $91 |
| Direct Auto | $49 | $96 |
| Allstate | $54 | $106 |
| Nationwide | $55 | $109 |
| Root | $55 | $87 |
| Dairyland | $56 | $138 |
| CSAA | $57 | $96 |
| National General | $60 | $119 |
| The General | $65 | $147 |
| Bristol West | $68 | $152 |
| Elephant | $69 | $108 |
| Safeco | $70 | $125 |
| Liberty Mutual | $73 | $164 |
| GAINSCO | $74 | $173 |
| Foremost | $89 | $169 |
| AssuranceAmerica | $93 | $145 |
| State Auto | $105 | $206 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teenagers typically pay higher car insurance rates than adults because they have less experience behind the wheel and are statistically more likely to be involved in an accident.[1] Teen drivers in Evansville pay an average of $260 per month for full coverage and $139 for liability only.
Young drivers concerned about their rates can lower their car insurance costs by:
Staying on their parents’ auto insurance policies as long as possible
Driving a vehicle with safety features such as airbags and an anti-theft device
Choosing an insurer with discounts for teen drivers who maintain good grades and take a defensive driving course
The table below shows the average monthly premiums for teens from some of the top car insurance companies in Evansville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $48 | $95 |
| State Farm | $53 | $104 |
| GEICO | $54 | $107 |
| USAA | $55 | $109 |
| American Family | $78 | $153 |
| Clearcover | $95 | $157 |
| Progressive | $99 | $197 |
| Root | $105 | $167 |
| Travelers | $110 | $216 |
| Farmers | $112 | $218 |
| Dairyland | $121 | $299 |
| Direct Auto | $124 | $241 |
| Allstate | $128 | $253 |
| CSAA | $129 | $217 |
| The General | $136 | $310 |
| Nationwide | $139 | $273 |
| Elephant | $147 | $231 |
| Bristol West | $153 | $344 |
| Liberty Mutual | $159 | $359 |
| GAINSCO | $164 | $381 |
| National General | $166 | $328 |
| Safeco | $168 | $301 |
| Foremost | $212 | $402 |
| AssuranceAmerica | $242 | $380 |
| State Auto | $267 | $527 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Evansville car insurance quotes by credit tier
In Indiana, car insurance companies can use credit history to evaluate how risky a driver is.[2]
“The vast majority of states permit the use of credit-based insurance scores because there is a high correlation between credit scores and the likelihood of filing insurance claims,” Brewer says. “Numerous studies conducted by academicians, actuaries, and government agencies have also verified the connection between credit information and insurance losses. These studies have demonstrated that drivers with the lowest credit scores have the highest losses, and those with the highest credit scores have the lowest losses.”
The following chart shows the average monthly premiums for Evansville drivers based on different credit tiers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Evansville?
The average car insurance policy in Evansville, Indiana, costs much less than the national average. The overall average monthly premium for car insurance in Evansville is $111, compared to $154 for the national average.
One reason could be population. While Evansville is one of the more populated cities in Indiana, it’s still relatively small compared to places like Indianapolis and other major metro areas across the country.[7] [8] Auto insurance companies tend to charge drivers in big cities more because the more crowded the roads are, the more likely drivers in those cities are to be involved in a crash.[9]
However, car insurance rates can vary widely, so it’s essential to shop around and compare rates from different companies to ensure you get the best deal.
More cities in Indiana
Car insurance rates vary widely from one city — and ZIP code — to the next in Indiana. To help drivers compare and find the most affordable car insurance for their needs, Insurify compiled average monthly premiums for the following cities in Indiana. Several of these cities have lower average premiums than Evansville, but only by around $10 to $15 per month.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Elkhart | $65 | $127 |
| Fort Wayne | $76 | $147 |
| Indianapolis | $85 | $168 |
| Lafayette | $70 | $133 |
| Muncie | $69 | $126 |
| South Bend | $68 | $140 |
| Terre Haute | $69 | $129 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Learn More: 12 Ways to Lower Your Car Insurance Costs
Evansville car insurance FAQs
Check out Insurify’s guide on car insurance for high-risk drivers or by driving history to understand how your record can affect your rates. You can also learn more about car insurance in Evansville with the answers to common questions below.
How much is car insurance in Evansville?
The average cost of car insurance in Evansville is $111 per month, which breaks down to an average monthly cost of $144 for full coverage and $77 for liability only.
Which companies have the cheapest car insurance in Evansville?
Auto-Owners has the cheapest car insurance in Evansville, with a monthly liability-only rate of $28. Other affordable insurers include State Farm and USAA, with monthly liability rates of $30 and $32, respectively. The cheapest car insurance company for you will depend on many factors, including your age, gender, vehicle, ZIP code, and driving history.
What are the best car insurance companies in Evansville?
Some of the best car insurance companies in Evansville include Auto-Owners, State Farm, and USAA. These companies have high IQ Scores, strong customer satisfaction scores, and top financial stability ratings from third parties. Plus, these companies have cheap average rates compared to other insurers Insurify analyzed. You should always compare multiple quotes from different insurance companies with the same chosen coverage levels to find the one that offers the best rate for you.
How much car insurance do you need in Indiana?
Indiana requires drivers to carry $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability. Plus, insurance companies must include $50,000 per accident in uninsured motorist bodily injury coverage unless the policyholder rejects it in writing.[2]
Is Indiana a no-fault state?
No. Indiana is not a no-fault state.[10] Indiana is an at-fault state, which means drivers at fault for accidents are responsible for the injuries and property damage they cause to other people.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Indiana
Sources
- III. "What determines the price of an auto insurance policy?."
- Indiana Department of Insurance. "Auto Insurance."
- III. "Do auto insurance premiums go up after a claim?."
- Indiana Bureau of Motor Vehicles. "Driver Record Points."
- National Highway Traffic Safety Administration. "Drunk Driving."
- III. "Senior driving safety and insurance tips."
- U.S. Census Bureau. "QuickFacts: Evansville city, Indiana."
- U.S. Census Bureau. "QuickFacts: Indianapolis city (balance), Indiana."
- III. "Why did my auto insurance costs go up even when I didn’t file a claim?."
- Nolo. "Indiana Auto Insurance Requirements."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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