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.
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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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.
Quick Facts
Auto insurance costs an average of $159 per month in Evansville — just $3 more per month than the Indiana state average.
Having incidents on your driving record — including at-fault accidents, speeding tickets, and DUIs — can drive up the cost of your auto insurance.
Insurance companies in Indiana can use your credit score to determine your premiums.[1]
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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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$52/mo
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
I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified
Unhappy with Renewal Costs
The premium is ridiculously expensive for the few miles I drive.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$57/mo
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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$60/mo
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
USAA Excellence for Auto and Personal Property Insurance
Excellent.
Joseph - April 13, 2024
Verified
Excellent
It has been very good for a long time.
Candace - April 12, 2024
Verified
USAA Didn't Look Out for Me!
I was overcharged and rated incorrectly.
…
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.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
28
State Farm
30
USAA
32
GEICO
33
American Family
44
Farmers
62
Safeco
78
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
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.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
52
State Farm
57
USAA
60
GEICO
62
American Family
83
Travelers
94
Farmers
116
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.
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]
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person and $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 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.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
70
State Farm
73
USAA
78
GEICO
81
American Family
110
Farmers
152
Safeco
198
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
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.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
71
State Farm
76
USAA
81
GEICO
84
American Family
113
Farmers
156
Safeco
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 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.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
84
State Farm
92
USAA
96
GEICO
100
American Family
133
Farmers
186
Safeco
225
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
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.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
26
State Farm
28
GEICO
33
USAA
33
American Family
41
Farmers
59
Safeco
91
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
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:
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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
85
GEICO
96
State Farm
96
USAA
97
American Family
139
Farmers
199
Safeco
246
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.
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.
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 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.
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.
Evansville car insurance FAQs
Check out Insurify’s guide on car insurance for high-risk drivers or by driving historyto 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 $159 a month, which breaks down to an average monthly cost of $189 for full coverage and $114 for liability only.
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.[1]
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.
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
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%
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 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%
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%
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%
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%
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.
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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
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.