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

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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 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:

Quick Facts

  • The average cost of car insurance in Terre Haute is $141 per month, or $1692 annually.
  • Car insurance in Terre Haute is $4 more than the average cost of car insurance in Indiana.
  • The cheapest car insurance provider in Terre Haute on average is Travelers, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

State Farm
$63
Clearcover
$94
Elephant
$102
USH&C
$102
First Chicago
$112

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.
Insurance Provider in Terre HauteQuotes
State Farm$63 /mo
Clearcover$94 /mo
Elephant$102 /mo
USH&C$102 /mo
First Chicago$112 /mo

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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.
Best CompaniesScoreQuotes
Clearcover97$94 /mo
Nationwide89$169 /mo
Safeco86$114 /mo
Liberty Mutual82$134 /mo
Travelers80$82 /mo

Average Car Insurance Cost

Indiana Cities
Indianapolis$120/mo
Fort Wayne$109/mo
Evansville$109/mo
South Bend$108/mo
Terre Haute$119/mo
Indiana$113/mo
South Bend
$108
Fort Wayne
$109
Evansville
$109
Average for IN
$113
Terre Haute
$119
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.

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.
Driver's AgeAvg. Monthly Cost
teens$261
20s$159
30s$109
40s$101
50s$88
60s$88
70s$98
80s$108

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.
Driving HistoryAvg. Monthly Cost
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 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.
Credit TierAvg. Monthly Cost
Excellent$126
Good$134
Average$156
Poor$194

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
View more

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.

FAQs - Terre Haute, IN Car Insurance

  • 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.
  • 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.
  • 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.

Compare Car Insurance Quotes Instantly

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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.

Insurify Insights

How Terre Haute 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 Terre Haute, 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 Terre Haute 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 Terre Haute

#26

City with the Most Speeding Tickets Rank in Indiana

#21

City with the Most Moving Violations Rank in Indiana

#7

City with the Most DUIs Rank in Indiana

#10

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. 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 pay on average 57.66% 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, 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 pay on average 42.34% more than drivers with a clean record
  • 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 pay on average 11.71% 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 Terre Haute 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, 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 pay on average 37.84% 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; 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%
  • 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 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, 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%
  • 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%
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

Content Manager at Insurify

Tanveen Vohra is a content 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