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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Cheapest recent rates near Evansville, Indiana

Recent Evansville, Indiana car insurance prices for Ford, Chevrolet, GMC , and more.

*Quotes generated for Insurify users in and around Evansville, Indiana within the last 10 days. Last updated on October 31, 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 October 31, 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 October 31, 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 October 31, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated November 3, 2024

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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, it helps to know that the overall average cost is $110 per month, which is nearly the same as the overall state average of $110 and much lower than the overall national average of $158.

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 $145 per month for full coverage and $74 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-Owners8.5$53$27Bundling
State Farm9.3$56$29High-risk drivers
USAA9.4$60$31Military 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

Compare personalized, real-time quotes
User Reviews
3.7
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.
$53/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

  • No 24/7 claims service

Read more driver reviews of Auto-Owners
Debra - November 3, 2024
Verified

Excellent

They keep raising prices.

Scotty - November 2, 2024
Verified

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

Average

Ask many questions to cover all aspects of the policy.

Best insurer for high-risk drivers: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
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.
$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

Cons
  • Poor Trustpilot ratings

  • Can’t buy a policy online

Read more driver reviews of State Farm
James T - November 3, 2024
Verified

Overpaying

Too expensive.

Daniel - November 3, 2024
Verified

High Prices

I believe this company charges too much for their services.

Pasquale - November 3, 2024
Verified

Excellent

Very good.

Best insurer for military members: USAA

Compare personalized, real-time quotes
User Reviews
3.6
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.
$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

Read more driver reviews of USAA
Scott - November 2, 2024
Verified

Stay with USAA

The service is great, but it's getting expensive.

Troy - October 31, 2024
Verified

Watch the Amounts Change

They change their rates too much after you start policies. Safe Pilot always messed up, keep losing discount. Had to call every month.

Kent - October 29, 2024
Verified

Excellent

The insurance is a bit high.

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

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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 $74 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: Sunday, September 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$49
Progressive$56
Travelers$59
Farmers$62
National General$64
Dairyland$66
Direct Auto$68
Allstate$70
Nationwide$77
The General$81
Elephant$82
GAINSCO$84
Liberty Mutual$84
Safeco$84
CSAA$86
Bristol West$97
Foremost$117
AssuranceAmerica$131
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 $145 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Auto-Owners$53
State Farm$57
USAA$60
GEICO$63
American Family$83
Clearcover$83
Progressive$105
Travelers$112
Midvale Home & Auto$115
Farmers$116
Elephant$126
Allstate$133
Direct Auto$134
National General$139
Nationwide$146
CSAA$148
Safeco$157
GAINSCO$170
Dairyland$178
AssuranceAmerica$191
The General$193
Liberty Mutual$197
State Auto$205
Bristol West$221
Foremost$247
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

Recent Evansville, Indiana car insurance prices for Dodge, Chevrolet, GMC , and more.

*Quotes generated for Insurify users in and around Evansville, Indiana within the last 10 days. Last updated on October 31, 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 October 31, 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 October 31, 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 October 31, 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    This covers vehicle damage from non-collision events, like falling objects, natural disasters, theft, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    This insurance add-on includes coverage for damages from an accident or collision, even if you caused it.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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 $34 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 $208 per month for full coverage and $106 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: Sunday, September 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$43
American Family$44$57
Clearcover$49$65
Progressive$56$73
Travelers$59$78
Farmers$62$81
National General$64$84
Dairyland$66$87
Direct Auto$68$89
Allstate$70$91
Nationwide$77$102
The General$81$107
Elephant$82$116
GAINSCO$84$119
Liberty Mutual$84$119
Safeco$84$111
CSAA$86$115
Bristol West$97$127
Foremost$117$165
AssuranceAmerica$131$173
State Auto$146$207
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 $209 per month for full coverage and $107 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: Sunday, September 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$59
Clearcover$49$71
Progressive$56$76
Travelers$59$80
Farmers$62$83
National General$64$87
Dairyland$66$89
Direct Auto$68$94
Allstate$70$94
Nationwide$77$105
The General$81$111
Elephant$82$108
GAINSCO$84$109
Liberty Mutual$84$121
Safeco$84$111
CSAA$86$121
Bristol West$97$130
Foremost$117$169
AssuranceAmerica$131$175
State Auto$146$216
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 $238 per month for full coverage and $121 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: Sunday, September 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$49$81
Progressive$56$92
Travelers$59$97
Farmers$62$102
National General$64$105
Dairyland$66$109
Direct Auto$68$112
Allstate$70$115
Nationwide$77$127
The General$81$133
Elephant$82$135
GAINSCO$84$138
Liberty Mutual$84$138
Safeco$84$138
CSAA$86$141
Bristol West$97$160
Foremost$117$192
AssuranceAmerica$131$215
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 $107 per month for full coverage and $54 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Auto-Owners$21$39
State Farm$22$42
USAA$24$45
GEICO$25$47
American Family$32$61
Progressive$38$71
Clearcover$39$65
Travelers$44$83
Farmers$46$85
National General$46$101
Dairyland$50$134
Direct Auto$50$99
Allstate$53$101
Nationwide$54$103
The General$62$149
CSAA$63$108
Elephant$63$97
Liberty Mutual$66$156
GAINSCO$67$135
Safeco$67$125
Bristol West$73$167
Foremost$88$185
AssuranceAmerica$93$136
State Auto$105$147
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 $256 per month for full coverage and $130 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Auto-Owners$48$90
State Farm$51$98
GEICO$53$100
USAA$54$101
American Family$77$145
Clearcover$94$160
Progressive$100$188
Travelers$107$203
Dairyland$109$294
Farmers$109$204
Allstate$124$236
Direct Auto$124$245
National General$127$275
The General$130$309
Nationwide$134$254
Elephant$135$207
CSAA$140$241
GAINSCO$147$298
Liberty Mutual$149$351
Bristol West$165$376
Safeco$169$315
Foremost$209$441
AssuranceAmerica$243$354
State Auto$261$366
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.
Learn More: What Are the Best Cars for Teens to Drive?

Learn More: What Are the Best Cars for Teens to Drive?

Find Cheap Auto Insurance in Evansville

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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 $110, compared to $158 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$64$143
Fort Wayne$75$150
Indianapolis$78$166
Lafayette$68$130
Muncie$66$133
South Bend$66$138
Terre Haute$67$130
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.
Learn More: 12 Ways to Lower Your Car Insurance Costs

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 $110 per month, which breaks down to an average monthly cost of $145 for full coverage and $74 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
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.

Sources

  1. III. "What determines the price of an auto insurance policy?."
  2. Indiana Department of Insurance. "Auto Insurance."
  3. III. "Do auto insurance premiums go up after a claim?."
  4. Indiana Bureau of Motor Vehicles. "Driver Record Points."
  5. National Highway Traffic Safety Administration. "Drunk Driving."
  6. III. "Senior driving safety and insurance tips."
  7. U.S. Census Bureau. "QuickFacts: Evansville city, Indiana."
  8. U.S. Census Bureau. "QuickFacts: Indianapolis city (balance), Indiana."
  9. III. "Why did my auto insurance costs go up even when I didn’t file a claim?."
  10. Nolo. "Indiana Auto Insurance Requirements."
Janet Berry-Johnson
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 Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
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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