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Cheap Auto Insurance Quotes in Terre Haute, IN (January 2022)

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Last Updated: January 2022

Car Insurance in Terre Haute, IN

People living in Terre Haute and in other cities across Indiana are required to have car insurance to be legal and safe drivers on the road. The average rates for car insurance in Indiana are significantly lower than the national average, costing drivers an average of $162 per month. But it’s possible for hoosiers to find cheaper car insurance if they know where to look.

Getting cheap auto insurance coverage that will satisfy the Indiana state law requirements doesn’t have to be complicated. With Insurify, you can compare car insurance quotes from multiple providers without ever having to talk to an insurance agent. Use Insurify and get the best and cheapest auto insurance for you today. It’s free and only takes a few minutes! Your auto insurance rates depend on where you live in Indiana and can vary from city to city. It is possible to get car insurance for cheaper if you bundle your car insurance policy with other insurance products, such as your home insurance, life insurance, or renters insurance. You can find the average car insurance costs for major cities in Terre Haute below:
$63
$94
$102
$102
$112
State FarmClearcoverElephantUSH&CFirst Chicago

Cheapest Car Insurance in Terre Haute, IN

To find the cheapest car insurance policy, you need to shop around and compare multiple quotes from different insurance agencies in Terre Haute. Quotes will vary between insurance providers because they weigh factors such as your driving record, your age, and your credit score a bit differently. Although the following are the cheapest insurance providers in Terre Haute on average, it’s always a good idea to shop around and compare quotes to find your personal best rate.

Best Car Insurance in Terre Haute, IN

While price is an important factor, it’s important to find a car insurance company that is reliable in paying claims and has good customer reviews. We evaluated a range of financial strength and customer satisfaction indicators to find the best car insurance companies so that you can see the best auto insurance providers in Terre Haute.

However, remember that these car insurance quotes are just estimates based on statistics. To find the best car insurance for you, use Insurify to get free quotes from 10+ providers.

Average Car Insurance Cost

$113
$120
$109
$109
$108
$119
IndianaIndianapolisFort WayneEvansvilleSouth BendTerre Haute
Click here to learn about car insurance quotes and save on your current policy.

Terre Haute, 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

Terre Haute Car Insurance Rates by Driver Age

When it comes to car insurance rates, your age is one of the first things that your local agent takes a look at. Teens and younger drivers have the highest auto insurance rates, but you can expect your auto insurance costs to go down as you gain more experience on the road. You can find car insurance rates for the different age groups in Indiana below.
Driving History
Clean Record$109
Speeding Ticket$173
At-Fault Accident$181
Failure to Stop for Red Light / Stop SignN/A

Terre Haute Car Insurance Rates by Driving and Accident History

On average, your insurance rates will increase if you have any driving infractions on your record. That’s because insurance providers view drivers with infractions such as a speeding ticket, a DUI, or a car accident as riskier to insure than drivers with a clean record. You can compare average car insurance costs for drivers with different driving histories below.

Terre Haute Car Insurance Rates by Credit Tier

Most insurers use your credit score when determining your rate. Historical research shows that people with low scores account for a higher percentage of paid claims. If you have excellent credit, you’ll pay less for car insurance than someone with bad credit. Here’s what you can expect to pay for car insurance in Flagstaff, Arizona based on your credit score.

Terre Haute DMV Information

Although most states call their state-level government agency responsible for providing different services related to cars and other vehicles the Department of Motor Vehicles, Indiana has the Bureau of Motor Vehicles. Terre Haute is home to one branch of the Indiana BMV. The Terre Haute BMV is open from 8:30am to 6:30pm on Monday through Friday and is open for walk-ins and appointments. The Terre Haute BMV is located at:

2920 Professional Ln
Terre Haute, IN 47802
(888) 692-6841

Public Transportation in Terre Haute

If you would prefer to leave the car at home and commute via public transportation, Terre Haute has options for you. The Terre Haute Transit has 11 bus routes around the city with a total of 151 bus stops, making it easy for anyone taking the bus to get to their desired destination.

If you don’t want to drive your own car but also don’t want the crowds of a bus, you can catch an Uber or a Lyft in Terre Haute to get from point A to point B.

How to get the cheapest car insurance in Terre Haute

The best way to get the cheapest car insurance that meets all of your insurance needs is to compare quotes from multiple insurance providers. Rather than getting quotes from individual insurance agents, you can save time by using Insurify to find the right policy for you. You can also use Insurify to find your homeowners insurance, because bundling your home insurance and auto insurance policies will likely get you cheaper premiums.

Simply spend a few minutes answering basic questions on Insurify’s trusted site and instantly get multiple real and personalized auto insurance quotes that you can compare side by side in one place. It’s easy, fast, and free! Learn more in the FAQ below.

Find local Terre Haute agents

USI Insurance Services , LLC
24 N 6th Street, Terre Haute, IN 47807-3124
Sycamore Insurance Associates, LLC
999 Ohio St, Terre Haute, IN 47807
Merrill & Merrill Insurance
19 S. 6th St., Suite 502, Terre Haute, IN 47807
Ken Hargis Insurance Agency
1220 Wabash Ave, Terre Haute, IN 47807
Voldico Insurance
1108 Ohio St., Terre Haute, IN 47807
Sam Boaz Insurance & Real Estate
517 South 7th St, Terre Haute, IN 47807-4447
Epic Insurance Midwest (Terre Haute)
925 Wabash Ave Ste 200, Terre Haute, IN 47807-3229
Tatem & Associates
2901 Ohio Blvd., Suite 221, Terre Haute, IN 47803-2373
Crapo Insurance Agency, Inc
1235 Ohio St, Terre Haute, IN 47807
Robert Wilson Insurance Agency
2952 S 7th St, Terre Haute, IN 47802

Insurify Insights: How Terre Haute Drivers Measure Up

chevrolet
Chevrolet Impala
Most Popular Car in
Terre Haute, IN
suspended licenses
#6
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 Terre Haute 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 Terre Haute

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. Terre Haute drivers rank 24 in the number of car accidents per driver across all cities in Indiana.

  • Rank within state: #24
  • Percent of drivers in Terre Haute with an accident: 8.77%
  • Drivers in Terre Haute, IN with an accident in their driving history paid on average 57.66% more than drivers with a clean record

Speeding in Terre Haute

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Indiana, Terre Haute drivers rank 26 in the number of speeding infractions per driver.

  • Rank within state: #26
  • Percent of drivers in Terre Haute with a speeding ticket: 7.13%
  • Drivers in Terre Haute, IN with a speeding ticket in their driving history paid on average 42.34% more than drivers with a clean record

DUI/DWIs in Terre Haute

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Terre Haute drivers rank 7 in the number of DUI’s per driver across all cities in Indiana.

  • Rank within state: #7
  • Percent of drivers in Terre Haute with a DUI: 3.27%
  • Drivers in Terre Haute, IN with a DUI in their driving history paid on average 11.71% more than drivers with a clean record

Most Popular Vehicle in Terre Haute

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Terre Haute is the Chevrolet Impala.

Rude Drivers in Terre Haute

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, Terre Haute drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Terre Haute with a reckless driving violation: 2.53%
  • Drivers in Terre Haute, IN with a reckless driving violation in their driving history paid on average 37.84% more than drivers with a clean record.

Safest Drivers in Terre Haute

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Terre Haute drivers rank 3 in clean driving records across all cities in Indiana.

  • Rank within state: #3
  • Percent of drivers in Terre Haute with clean record: 81.28%

Failure to Yield the Right of Way in Terre Haute

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Terre Haute drivers rank 6 in failure to yield violations per driver across all cities in Indiana.

  • Rank within state: #6
  • Percent of drivers in Terre Haute with a failure to yield violation: 0.3%
  • Drivers in Terre Haute, IN with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Terre Haute

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, Terre Haute drivers rank 1 in the number of reckless driving offenses per driver.

  • Rank within state: #1
  • Percent of drivers in Terre Haute with a reckless driving offense: 0.45%

Hybrid/Electric Vehicle Ownership in Terre Haute

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Terre Haute drivers rank 24 in hybrid and electric vehicle ownership across all cities in Indiana.

  • Rank within state: #24
  • Percent of drivers in Terre Haute with a hybrid/electric vehicle: 0.44%

FAQs - Terre Haute, IN Car Insurance

How do I find cheap car insurance in Terre Haute, IN?

The easiest way to find cheap car insurance in Terre Haute, Indiana is to use Insurify to identify the car insurance companies that can offer you the cheapest premiums. You’ll just need to enter your information once, which beats going to multiple providers’ individual websites for quotes. The average Insurify user saves $585 per year just by switching to a cheaper provider they found using the platform.

How much does car insurance cost in Terre Haute, IN?

The average cost of car insurance in Terre Haute is $110 per month, or $1,320 per year. However, it is important to remember that personal factors such as your age, your driving history, and even your marital status can affect your rates.

What drives up car insurance rates in Terre Haute, IN?

While car insurance in Indiana is cheaper on average than car insurance across the nation as a whole, different elements in your driving record such as a DUI or a speeding ticket can cause your rates to go up. Younger drivers and drivers with bad credit histories will also see higher insurance premiums.

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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