4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Kokomo, IN (July 2022)

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Kokomo, IN

The average cost of Indiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Kokomo, IN to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Kokomo is $136 per month, or $1632 annually.
  • Car insurance in Kokomo is $1 less than the average cost of car insurance in Indiana.
  • The cheapest car insurance provider in Kokomo on average is Clearcover, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

State Farm
$64
Progressive
$103
Travelers
$105
Nationwide
$120
The General
$152

Cheapest Car Insurance in Kokomo, IN

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in KokomoQuotes
State Farm$64 /mo
Progressive$103 /mo
Travelers$105 /mo
Nationwide$120 /mo
The General$152 /mo

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Average Car Insurance Cost

Indiana Cities
Indianapolis$120/mo
Fort Wayne$109/mo
Evansville$109/mo
South Bend$108/mo
Kokomo$109/mo
Indiana$111/mo
South Bend
$108
Fort Wayne
$109
Evansville
$109
Kokomo
$109
Average for IN
$111
Indianapolis
$120
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Indiana

All motor vehicles operated or parked on Indiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Indiana[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Indiana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Indiana, this coverage will help you recover from an accident as quickly as possible.

Find local Kokomo agents

  • Country Corner Insurance

    504 S. Berkley Rd.,
    Kokomo, IN 46901
  • Star Insurance Agency, Inc.

    1708 E Markland,
    Kokomo, IN 46901-6232
  • Bill Rayls Insurance Agency, Inc.

    701 N Washington,
    Kokomo, IN 46901-3313
  • Killingbeck Insurance Agency, Inc.

    1501 E Markland,
    Kokomo, IN 46904
  • Risk Management Insurance Services

    1222 E Hoffer St,
    Kokomo, IN 46902
  • Hobson Insurance Agency

    150 E Alto Rd,
    Kokomo, IN 46902
  • Gaffney Insurance Agency

    1732 S Washington St,
    Kokomo, IN 46902
  • Leicht Insurance, Inc. - Kokomo

    2605 E Markland Ave,
    Kokomo, IN 46901
  • Johnson Insurance Agency

    1604 E Hoffer St,
    Kokomo, IN 46902
  • Mathews Insurance Agency

    3825 S Lafountain St,
    Kokomo, IN 46902
View more

FAQs - Kokomo, IN Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • 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.

Insurify Insights

How Kokomo 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 Kokomo, 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 Kokomo 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.

chevrolet

Chevrolet Impala

Most Popular Car in Kokomo

#24

City with the Most Speeding Tickets Rank in Indiana

#1

City with the Most Moving Violations Rank in Indiana

#18

City with the Most DUIs Rank in Indiana

#11

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. Kokomo drivers rank 22 in the number of car accidents per driver across all cities in Indiana.

    • Rank within state: #22
    • Percent of drivers in Kokomo with an accident: 10.38%
    • Drivers in Kokomo, IN with an accident in their driving history pay on average 43.59% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Indiana, Kokomo drivers rank 24 in the number of speeding infractions per driver.

    • Rank within state: #24
    • Percent of drivers in Kokomo with a speeding ticket: 8.4%
    • Drivers in Kokomo, IN with a speeding ticket in their driving history pay on average 42.74% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kokomo drivers rank 18 in the number of DUI’s per driver across all cities in Indiana.

    • Rank within state: #18
    • Percent of drivers in Kokomo with a DUI: 2.31%
    • Drivers in Kokomo, IN with a DUI in their driving history pay on average 0% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Kokomo is the Chevrolet Impala.

  • 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, Kokomo drivers rank 13 in rude driving infractions.

    • Rank within state: #13
    • Percent of drivers in Kokomo with a reckless driving violation: 1.15%
    • Drivers in Kokomo, IN with a reckless driving violation in their driving history pay on average 0% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Kokomo drivers rank 2 in clean driving records across all cities in Indiana.

    • Rank within state: #2
    • Percent of drivers in Kokomo with clean record: 81.55%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Kokomo drivers rank 4 in failure to yield violations per driver across all cities in Indiana.

    • Rank within state: #4
    • Percent of drivers in Kokomo with a failure to yield violation: 0.33%
    • Drivers in Kokomo, IN with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • 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, Kokomo drivers rank 10 in the number of reckless driving offenses per driver.

    • Rank within state: #10
    • Percent of drivers in Kokomo with a reckless driving offense: 0%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Kokomo drivers rank 27 in hybrid and electric vehicle ownership across all cities in Indiana.

    • Rank within state: #27
    • Percent of drivers in Kokomo with a hybrid/electric vehicle: 0.26%
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.

Tanveen Vohra
Tanveen Vohra

Insurance Content Project Manager

Tanveen Vohra is an insurance content project manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Indiana Department of Insurance. "State Minimum Requirements." Accessed May 28, 2022