Cheap Auto Insurance Quotes in Jeffersonville, IN (January 2022)

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Car Insurance in Jeffersonville, IN

Everyone is excited to get behind the wheel and start driving, but having the proper insurance in place is vital. Not only is an auto insurance policy legally required by the state of Indiana, but having the right coverage will keep you financially protected as well. Luckily, the city of Jeffersonville offers several options when it comes to purchasing car insurance.

While you are looking at purchasing insurance coverage for your vehicle, it is crucial to remember that location will play a role in determining your monthly rates. Different cities throughout Indiana will have different average rates for comparable coverage options. For example, the same standard auto insurance policy could cost $122 in Terre Haute and $149 in Jeffersonville.

$89
$96
$108
$123
$136
TravelersClearcoverElephantGAINSCOKemper Specialty

Cheapest Car Insurance in Jeffersonville, IN

Every driver wants to find a cheap car insurance policy, but very few do the shopping around that is required to find the most affordable rates. Many only look at large national companies like State Farm or Allstate Insurance. However, regional insurance companies can often provide quality service at cheap rates as well.

Along with these local providers, the table below offers a few other mid-size companies to consider adding to your comparison list.

Best Car Insurance in Jeffersonville, IN

Usually, determining the best car insurance company in an area can be difficult. However, Insurify has come up with a new way to rank providers that makes the process easier. Using the ICS, or Insurify Composite Score, you can now see how well or poorly an insurance carrier ranks against its competition regarding company health, pricing, and service.

Below is a look at the top-ranked insurance providers based on ICS in the Jeffersonville area.

Average Car Insurance Cost

$118
$120
$109
$109
$108
$146
IndianaIndianapolisFort WayneEvansvilleSouth BendJeffersonville
Click here to learn about car insurance quotes and save on your current policy.

Jeffersonville, IN Driving Facts

indiana

Minimum Car Insurance Requirements in IN

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:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two or more persons
  • $25,000 for property damage liability
  • $50,000 Uninsured Motorist Coverage

Jeffersonville Car Insurance Rates by Driving and Accident History

Regardless of other criteria, your driving history is one of the most significant factors that insurance companies will consider when creating a quote for you. If you have a clean driving record, you can expect an average rate of around $132 a month in Jeffersonville. However, if you have incidents such as speeding tickets or an at-fault accident on your record, your rates are likely to be much higher.

See the chart below for more details on how specific incidents can affect your overall monthly premium in Indiana.

Jeffersonville Car Insurance Rates by Credit Tier

There are added benefits for your car insurance rates if you have an excellent credit rating. It can even save you money each month. A driver in Jeffersonville with an excellent credit rating will pay on average $123 a month for coverage, while a driver with a bad rating typically pays monthly premiums around $190.

Use the chart below to see how your credit rating could impact your average monthly car insurance in Jeffersonville.

Jeffersonville DMV Information

For drivers looking to renew their license or purchase plates for a new vehicle, the local DMV is the best place to go. Located at 2944 East 10th Street, the agency also provides several other services for current and potential drivers, including:

  • CDL testing and driving courses
  • Title transfers
  • Road tests
  • Renew tags, license plates, and driver's licenses
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You can also inquire about auto insurance quotes at the Jeffersonville DMV./p>

Public Transportation in Jeffersonville

Since driving a vehicle isn't always an option, knowing what other transportation options are available is a good idea. In Jeffersonville, you have several public transportation options, including the 71 bus, which features more than 88 stops from Jeffersonville to Indiana University. You can also use the TARC bus if you need transport to a specific destination.

How to Get the Cheapest Car Insurance in Jeffersonville

Jeffersonville has many options when it comes to finding an affordable auto insurance plan. When you begin to look for a policy that meets your insurance needs, it is wise to request quotes from several companies. This ensures that you purchase a policy that is both economical and provides the coverage you need.

To help make the process of shopping for insurance easier, Insurify offers a unique online experience that allows you to quickly compare multiple quotes on a single page. Within a matter of minutes, you can review policies from more than 20 qualified companies and select the best policy for you.

Try the free Insurify auto insurance comparison tool and see what quotes you qualify for.

Find local Jeffersonville agents

Assured Partners NL - Jeffersonville
4500 Town Center Blvd Ste 200, Jeffersonville, IN 47130
Taggart Insurance Center, Inc.
230 East Court Avenue, Jeffersonville, IN 47131
Diversified Insurance Group Inc
1602 E 8th St, Jeffersonville, IN 47130-4750
C&F Insurance Group
812 Spring St., Jeffersonville, IN 47130-3637
Nicholson Insurance Agency LLC
2017 Allison Lane, Jeffersonville, IN 47130
Gettelfinger Insurance LLC
330 E Court Ave, Jeffersonville, IN 47130
Auto Insurance Express
1710 E 10th St # Aa, Jeffersonville, IN 47130
HBS Insurance
113 W Chestnut St, Jeffersonville, IN 47130
Indiana Farm Bureau Insurance
2004 Charlestown New Albany Pike, Jeffersonville, IN 47130
Innovators Insurance Group
1712 Williamsburg Dr Suite 200, Jeffersonville, IN 47130

Insurify Insights: How Jeffersonville Drivers Measure Up

hyundai
Hyundai Sonata
Most Popular Car in
Jeffersonville, IN
suspended licenses
#31
Cities with Most
Suspended Licenses Rank

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 Jeffersonville 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.

Accidents in Jeffersonville

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. Jeffersonville drivers rank 21 in the number of car accidents per driver across all cities in Indiana.

  • Rank within state: #21
  • Percent of drivers in Jeffersonville with an accident: 10.47%
  • Drivers in Jeffersonville, IN with an accident in their driving history paid on average 89.39% more than drivers with a clean record

Speeding in Jeffersonville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Indiana, Jeffersonville drivers rank 28 in the number of speeding infractions per driver.

  • Rank within state: #28
  • Percent of drivers in Jeffersonville with a speeding ticket: 6.73%
  • Drivers in Jeffersonville, IN with a speeding ticket in their driving history paid on average 44.7% more than drivers with a clean record

DUI/DWIs in Jeffersonville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Jeffersonville drivers rank 20 in the number of DUI’s per driver across all cities in Indiana.

  • Rank within state: #20
  • Percent of drivers in Jeffersonville with a DUI: 2%
  • Drivers in Jeffersonville, IN with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Jeffersonville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Jeffersonville is the Hyundai Sonata.

Hybrid/Electric Vehicle Ownership in Jeffersonville

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Jeffersonville drivers rank 5 in hybrid and electric vehicle ownership across all cities in Indiana.

  • Rank within state: #5
  • Percent of drivers in Jeffersonville with a hybrid/electric vehicle: 2.14%

FAQs - Jeffersonville, IN Car Insurance

How do I find cheap car insurance in Jeffersonville, IN?

There are several ways a driver in Jeffersonville, IN, can find cheap car insurance lower than the city average. Often, the best approach to finding these deals is to request multiple quotes from companies in the area. You may discover that a local insurance company offers better coverage for a lower price than large companies.

Something else that can help you obtain cheaper car insurance rates is to search for insurance providers that offer a discount for bundling insurance products. It is common for these places to offer lower rates if you have an auto insurance policy and another plan such as life insurance, homeowners insurance, or renters insurance.

How much does car insurance cost in Jeffersonville, IN?

Since pricing for auto insurance is based on several factors, including age, gender, vehicle type, and driving history, it can be challenging to know what you should be paying for coverage. A driver in Jeffersonville can expect to pay $149 a month for a car insurance policy. However, some drivers will receive rates lower than that, and others may see rates higher.

What drives up car insurance rates in Jeffersonville, IN?

More than anything else, car insurance rates tend to go up in Jeffersonville after a negative change in your driving history. The actual amount of the increase depends mainly on the severity of the incident. If you receive one speeding ticket, your rates may only increase by a minor amount. However, an at-fault accident could cause them to spike significantly.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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