Best Cheap Auto Insurance in Evansville, Indiana (2023)

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, premiums average $189 per month for full coverage and $114 per month for a liability-only policy.

To help you 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.

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Cheapest car insurance companies in Evansville

With many different companies and coverage options available, knowing which is right for you can be challenging. To make the decision easier, Insurify analyzed Evansville’s best car insurance companies.

Best insurer for bundling: Auto-Owners

Best insurer for high-risk drivers: State Farm

Best insurer for military members: USAA

Cheapest liability-only car insurance in Evansville

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.

The table below shows the average monthly premiums for liability-only policies from some of Evansville’s top car insurance companies.

Cheapest full-coverage car insurance in Evansville

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.

The table below shows the average monthly premiums for full-coverage policies from some of the top car insurance companies in Evansville.

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:^[1]

“Buying the cheapest policy is not necessarily the best decision for every driver,” says Jeffrey L. Brewer, vice president of public affairs at 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 noncollision 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.^[2] 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.

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Cheapest car insurance for drivers with a speeding ticket

In Indiana, speeding tickets can add two points to your license and stay on your record for two years.^[3] They can also increase your car insurance premiums.

If you’re looking for cheap car insurance in Evansville after a speeding ticket, start your search with the insurers below.

Cheapest car insurance for drivers with an at-fault accident

An at-fault accident is extremely likely to raise your rates in Evansville, Indiana.^[2] Even just one accident signals higher risk to insurance companies, which increase prices accordingly.

The table below outlines the cheapest car insurance companies for drivers with an at-fault accident on their record in Evansville, Indiana.

Cheapest car insurance for drivers with a DUI

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 and Safety Administration.^[4]

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 nonrenewal for your policy, or the state can require an SR-22 insurance filing for you to drive again.

The table below shows average monthly premiums for drivers with DUIs from some of Evansville’s top car insurance companies.

Cheapest car insurance for seniors

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.^[5] Overall, though, seniors experience the best rates in Evansville compared to other age groups, according to Insurify data.

The table below shows the average monthly premiums for senior drivers from some of the top car insurance companies in Evansville.

Cheapest car insurance for teens

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.^[6]

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.

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.^[6]

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.^[1]

• 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.

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Evansville car insurance quotes by credit tier

In Indiana, car insurance companies can use credit scores to evaluate how risky a driver is.^[1]

“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.

Is car insurance more expensive in Evansville?

The average car insurance policy in Evansville, Indiana, costs less than the national average. The average monthly premium for full-coverage car insurance in Evansville is $187, compared to $289 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 some of the top cities in Indiana. Many other cities have lower average premiums compared to Evansville, making it one of the more expensive cities for car insurance in Indiana.

Evansville car insurance FAQs

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.

Toyota Camry

Most Popular Car in Evansville

#12

City with the Most Speeding Tickets Rank in Indiana

#13

City with the Most Moving Violations Rank in Indiana

#31

City with the Most DUIs Rank in Indiana

#45

City with the Most Suspended Licenses in Indiana

• Accidents in Evansville

  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 13 in the number of car accidents per driver across all cities in Indiana.

  • Rank within state: #13
  • Percent of drivers in Evansville with an accident: 11.7%
• DUI/DWIs in Evansville

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Evansville drivers rank 31 in the number of DUI’s per driver across all cities in Indiana.

  • Rank within state: #31
  • Percent of drivers in Evansville with a DUI: 2.4%
• Reckless Drivers in Evansville

  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 9 in the number of reckless driving offenses per driver.

  • Rank within state: #9
  • Percent of drivers in Evansville with a reckless driving offense: 2.1%
• Rude Drivers in Evansville

  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 11 in rude driving infractions.

  • Rank within state: #11
  • Percent of drivers in Evansville with a reckless driving violation: 2.1%
• Speeding in Evansville

  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 12 in the number of speeding infractions per driver.

  • Rank within state: #12
  • Percent of drivers in Evansville with a speeding ticket: 10.7%
• Safest Drivers in Evansville

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Evansville drivers rank 55 in clean driving records across all cities in Indiana.

  • Rank within state: #55
  • Percent of drivers in Evansville with clean record: 72.8%
• Hybrid/Electric Vehicle Ownership in Evansville

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Evansville drivers rank 44 in hybrid and electric vehicle ownership across all cities in Indiana.

  • Rank within state: #44
  • Percent of drivers in Evansville with a hybrid/electric vehicle: 0.5%

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.