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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
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 | Quotes |
|---|---|
 Progressive | $39/mo |
 State Farm | $81/mo |
 Travelers | $112/mo |
 Nationwide | $127/mo |
 The General | $142/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $137/mo | |
Nationwide | $183/mo | |
 Safeco | $149/mo | |
 Liberty Mutual | $155/mo | |
Travelers | $95/mo |
Indiana Cities | |
|---|---|
| Indianapolis | $120/mo |
| Fort Wayne | $109/mo |
| South Bend | $108/mo |
| Carmel | $99/mo |
| Evansville | $109/mo |
| Indiana | $109/mo |
Click here to learn about car insurance quotes and save on your current policy.
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 | Avg. Monthly Cost |
|---|---|
| teens | $320 |
| 20s | $194 |
| 30s | $151 |
| 40s | $128 |
| 50s | $124 |
| 60s | $120 |
| 70s | $127 |
| 80s | $187 |
| Driving History | Avg. Monthly Cost |
|---|---|
| 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 | Avg. Monthly Cost |
|---|---|
| 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.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Evansville stacks up for the state of Indiana:
