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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.
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.
Here are the cheapest carriers in Evansville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
Progressive | $39/mo |
 State Farm | $81/mo |
 Travelers | $112/mo |
 Nationwide | $127/mo |
 The General | $142/mo |
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 carrier reviews. The following are the top rated carriers that offer car insurance in Evansville. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 American Family | $137/mo | |
Nationwide | $183/mo | |
 Safeco | $149/mo | |
 Liberty Mutual | $155/mo | |
Travelers | $95/mo |
| Indianapolis | $120/mo |
| Fort Wayne | $109/mo |
| South Bend | $108/mo |
| Carmel | $99/mo |
| Evansville | $109/mo |
| Indiana | $109/mo |
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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:
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 | |
|---|---|
| teens | $320 |
| 20s | $194 |
| 30s | $151 |
| 40s | $128 |
| 50s | $124 |
| 60s | $120 |
| 70s | $127 |
| 80s | $187 |
| Driving History | |
|---|---|
| No Violation | $148 |
| Speeding Ticket | $166 |
| At-Fault Accident | $203 |
| Failure to Stop for Red Light / Stop Sign | $119 |
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.
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 Tie | |
|---|---|
| Excellent | $153 |
| Good | $177 |
| Average | $166 |
| Poor | $139 |
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.
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.
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Evansville drivers measure up to their fellow Indiana motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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.
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.
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.
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.
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.
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.
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.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
