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Cheap Auto Insurance Quotes in Evansville, IN (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Evansville has some walkable neighborhoods and decent public transportation, but most people in the city drive to work. The average household has two cars. If you drive in Evansville, it’s important to have a car insurance policy to stay legal and protect your finances.
Quick Facts
- The average cost of car insurance in Evansville is $146 per month, or $1752 annually.
- Car insurance in Evansville is $9 more than the average cost of car insurance in Indiana.
- The cheapest car insurance provider in Evansville on average is Travelers, but you should always compare quotes to find your best personal rate.
Car Insurance in Evansville, IN
The average cost of Indiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Evansville, IN to find you the cheapest quotes in the area.
Quotes by Top Companies
Progressive$39
State Farm$81
Travelers$112
Nationwide$127
The General$142
Cheapest Car Insurance in Evansville, IN
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Evansville | Quotes |
|---|---|
| Progressive | $39 /mo |
| State Farm | $81 /mo |
| Travelers | $112 /mo |
| Nationwide | $127 /mo |
| The General | $142 /mo |
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Best Car Insurance in Evansville, IN
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Evansville. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| American Family | 89 | $137 /mo |
| Nationwide | 89 | $183 /mo |
| Safeco | 86 | $149 /mo |
| Liberty Mutual | 82 | $155 /mo |
| Travelers | 80 | $95 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Indiana Cities | |
|---|---|
| Indianapolis | $120/mo |
| Fort Wayne | $109/mo |
| South Bend | $108/mo |
| Carmel | $99/mo |
| Evansville | $109/mo |
| Indiana | $109/mo |
Carmel$99
South Bend$108
Average for IN$109
Fort Wayne$109
Evansville$109
Indianapolis$120
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in IN
Indiana drivers must purchase car insurance and must carry proof of financial responsibility in their vehicles. Unlike many states, Indiana requires uninsured motorist protection in addition to property damage liability and bodily injury liability coverage.
Motorists are required to purchase auto insurance coverage meeting these minimums:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two or more persons
- $25,000 for property damage liability
- $50,000 Uninsured Motorist Coverage
Evansville Car Insurance Rates by Driver Age
Living in Evansville is fairly affordable in many ways, including car insurance, as most drivers here get to enjoy low premiums for much of their lives. Those under the age of 20 naturally pay the most, with rates around $319; however, after a few decades, this price is cut nearly in half. Drivers in their 80s, who may not be as quick to react to danger on the road, find their rates increasing to an average of $186.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $320 |
| 20s | $194 |
| 30s | $151 |
| 40s | $128 |
| 50s | $124 |
| 60s | $120 |
| 70s | $127 |
| 80s | $187 |
Evansville Car Insurance Rates by Driving and Accident History
Motorists who have a driving record clear from any incidents get the benefit of paying low car insurance rates that average around $147. However, committing driving violations could make your car insurance very expensive. A speeding ticket pushes premiums to $165, and an at-fault accident is often the most expensive, as drivers will pay $202 after adding this to their driving history.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $148 |
| Speeding Ticket | $166 |
| At-Fault Accident | $203 |
| Failure to Stop for Red Light / Stop Sign | $119 |
Evansville Car Insurance Rates by Credit Tier
Car insurance prices will vary in Evansville based on your credit tier, but by and large, you won’t see much of a difference, whether your credit is the best or the worst. Drivers in the poor tier are charged an average of $138, while those in the excellent category are charged a mere $14 more. In Evansville, it’s clear that your car insurance premium is calculated using a number of factors beyond just your credit score.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $153 |
| Good | $177 |
| Average | $166 |
| Poor | $139 |
See More: Bad Credit Car Insurance Indiana
Find local Evansville agents
Gaslin Insurance Agency
2015 Stringtown Rd,
Evansville, IN 47711Schultheis Insurance Agency, Inc.
32 N Weinbach Ave,
Evansville, IN 47711Torian Insurance
3000 E Division St,
Evansville, IN 47711ISU Heston Insurance Agency
2029 Washington Ave,
Evansville, IN 47728Epic Insurance Midwest (Evansville)
20 NW 1st St; Suite 800,
Evansville, IN 47708-1464ET Shield
P.O. Box 5129 ,
Evansville, IN 47716Field & Main Benefits Div
1020 N Burkhardt Rd,
Evansville, IN 47715Heston Insurance Agency
2029 Washington Ave,
Evansville, IN 47714Hahn Insurance Agency
201 E Diamond Avenue,
Evansville, IN 47711Freeman, Will, Niemeier & Heston
1919 W. Franklin St,
Evansville, IN 47712
Evansville, IN DMV Information
The Indiana Bureau of Motor Vehicles offers many services online and at their 24/7 Connect Kiosks, and there are also three BMV branches in Evansville. When you’re ready to renew your car insurance, whether you do so online or in person, you’ll need proof of insurance. You can use Insurify to compare premiums and get a policy online in minutes. You might consider shopping for rates even if you already have an auto insurance policy since switching could potentially save you hundreds of dollars annually.
Public Transportation in Evansville, IN
The Metropolitan Evansville Transit System (METS) operates 22 fixed routes, and it’s possible to get around the city this way, but only about 2 percent of workers use the system to commute to work. About 3 percent of workers commute on foot, but the vast majority (about 92 percent) drive to work, commuting an average of 19 minutes to get there. In a pinch, you can catch an Uber or Lyft in Evansville, or use a traditional taxi service. But most residents get around by car and will need to maintain an active insurance policy.
How to get the best and cheapest car insurance in Evansville, IN
Don’t be one of the estimated 16.7 percent of Indiana drivers who forgo auto insurance. Losing your license or sustaining unaffordable damages to your vehicle could make it impossible for you to get to work. It’s simply not worth the risk.
Luckily, car insurance doesn’t have to cost an arm and a leg. If you use Insurify to compare premiums from different providers, you could potentially save a huge chunk of change. Plus, it takes just a few minutes to compare quotes from up to 20 different insurers. You’ll just need to answer a few questions to get started.
FAQs - Evansville, IN Car Insurance
Auto insurance in Evansville is relatively affordable. The average cost is just $109 per month, less than half the national average. However, your individual rate will depend on several factors, including your age and gender, coverage amount and deductible, and even your credit score. When it comes to state minimum liability insurance, Progressive offers the lowest rates for drivers with clean records. A 30-year-old male driving a 2012 Honda Accord with a $1,000 deductible would pay just $39 per month for car insurance with Progressive. But the best way to find the lowest premium for you is to compare customized quotes with Insurify. Our artificial intelligence technology makes it easy to identify the best deal in car insurance. For your first offense, your driver’s license will be suspended for at least 90 days, and you’ll pay a $250 reinstatement fee. You’ll also be required to file an SR-22 Certificate for three years. The penalties get more severe with subsequent offenses, and you could ultimately lose your license and have your registration suspended for a year.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Evansville Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Evansville, Indiana below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Evansville drivers measure up to their fellow motorists across Indiana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Evansville
#5
City with the Most Speeding Tickets Rank in Indiana
#4
City with the Most Moving Violations Rank in Indiana
#12
City with the Most DUIs Rank in Indiana
#22
City with the Most Suspended Licenses in Indiana
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Evansville drivers rank 6 in the number of car accidents per driver across all cities in Indiana.
- Rank within state: #6
- Percent of drivers in Evansville with an accident: 13.37%
- Drivers in Evansville, IN with an accident in their driving history pay on average 56% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Indiana, Evansville drivers rank 5 in the number of speeding infractions per driver.
- Rank within state: #5
- Percent of drivers in Evansville with a speeding ticket: 12.06%
- Drivers in Evansville, IN with a speeding ticket in their driving history pay on average 64% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Evansville drivers rank 12 in the number of DUI’s per driver across all cities in Indiana.
- Rank within state: #12
- Percent of drivers in Evansville with a DUI: 2.83%
- Drivers in Evansville, IN with a DUI in their driving history pay on average 21.6% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Evansville is the Ford F-Series Pickup.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Indiana, Evansville drivers rank 1 in rude driving infractions.
- Rank within state: #1
- Percent of drivers in Evansville with a reckless driving violation: 2.62%
- Drivers in Evansville, IN with a reckless driving violation in their driving history pay on average 52.8% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Evansville drivers rank 10 in clean driving records across all cities in Indiana.
- Rank within state: #10
- Percent of drivers in Evansville with clean record: 76.45%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Evansville drivers rank 9 in failure to yield violations per driver across all cities in Indiana.
- Rank within state: #9
- Percent of drivers in Evansville with a failure to yield violation: 0.15%
- Drivers in Evansville, IN with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Indiana, Evansville drivers rank 7 in the number of reckless driving offenses per driver.
- Rank within state: #7
- Percent of drivers in Evansville with a reckless driving offense: 0.07%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Evansville drivers rank 14 in hybrid and electric vehicle ownership across all cities in Indiana.
- Rank within state: #14
- Percent of drivers in Evansville with a hybrid/electric vehicle: 0.96%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others
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