Cheapest Auto Insurance in Terre Haute, Indiana (2024)

Auto-Owners has the cheapest car insurance in Terre Haute, with liability rates as low as $24 per month.

Sarah Brodsky
Written bySarah Brodsky
Sarah Brodsky
Sarah Brodsky
  • 15 years writing about personal finance

  • Created content for Credit Karma, KeyBank, and Thrivent

Sarah is a freelance writer who covers personal finance and economics. She enjoys delving into the details of insurance, credit, loans, and the labor market.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated May 23, 2024

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Cheapest recent rates near Terre Haute, Indiana

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $75/mo for full coverage in Terre Haute and other Indiana cities.

*Quotes generated for Insurify users in and around Terre Haute, Indiana within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Terre Haute, Indiana within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Auto insurance in Terre Haute costs an overall average of $94 per month, which is similar to the state average of $105. The city’s location on the Wabash river, large population, and Indiana’s relatively high rate of traffic accidents could contribute to the city's near-average car insurance rates.

Like all Indiana drivers, Terre Haute residents must buy at least the minimum amount of liability insurance Indiana requires.[1]

Here's what you need to know about comparing rates and getting affordable car insurance in Terre Haute.

Quick Facts
  • The average cost of car insurance in Terre Haute is $66 per month for liability coverage and $121 per month for full coverage.

  • Indiana law requires insurers to include uninsured and underinsured motorists coverage in policies, unless the driver rejects it in writing.[2]

  • High-risk drivers who can’t find insurance elsewhere may be able to get a policy through the Indiana Auto Insurance Plan.

3 of the cheapest car insurance companies in Terre Haute

The following companies offer some of the best prices on car insurance in Terre Haute. The right insurer for you depends on your circumstances, so it’s a good idea to ask several companies for quotes before making your decision.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$52$27Liability coverage
State Farm4.6$55$29Teen drivers
GEICO4.4$61$32Drivers with a speeding ticket
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best company for liability-only coverage: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$24/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$47/mo

Auto-Owners started in 1916 and today sells insurance in 26 states, including Indiana. It offers consistently low rates and works only with independent agents.

In addition to selling car insurance, it sells homeowners, life, and business insurance policies. Auto-Owners has a high J.D. Power claims satisfaction rating.[3]

Pros
  • Discounts available for bundling policies, paying premiums on time, and more

  • Lower-than-average number of customer complaints

Cons
  • Mobile app has mixed reviews

  • Telematics program only available to teen drivers

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best company for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$26/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$49/mo

State Farm has been in business for more than 100 years and sells several types of insurance, such as car, motorcycle, homeowners, life, health, and disability policies. It emphasizes community service and gives grants to nonprofits working on disaster preparedness, housing affordability, and related issues.

State Farm has an above-average J.D. Power claims satisfaction.

Pros
  • Savings of up to 15% possible via Steer Clear program for young drivers

  • Good student discount can save teens up to 25%

Cons
  • Low ratings on some customer review sites

  • Accident forgiveness not available

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best company for drivers with a speeding ticket: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$29/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$55/mo

When it started in 1936, GEICO served customers in the government or military, but today it sells insurance to customers regardless of where they work.

GEICO is the third-largest private passenger-car insurer in the U.S. by market share.[4] It has a high J.D. Power claims satisfaction ranking.[3]

Pros
  • Offers accident forgiveness

  • Savings of up to 10% possible for completing an approved defensive driving course

Cons
  • Gap insurance not available

  • Low ratings on some customer review sites

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

How to get the cheapest car insurance in Terre Haute

You’ll likely find cheaper car insurance if you have a clean driving record and drive a lower-priced car with good safety ratings. How often and how far you typically drive can also affect rates, because insurers expect someone who drives long miles for work every day to have a higher chance of filing a claim than someone who only heads out on occasional short excursions.[5]

Consider these strategies to find the best auto rate in Terre Haute:

  • Gather quotes from multiple insurers. Getting free car insurance quotes can help you understand which companies can offer you the coverage you need at the best price.

  • Bundle homeowners and car insurance. Insurance companies often quote lower rates to drivers who buy a car insurance policy with a homeowners insurance policy.

  • Boost your credit score. Paying down credit balances, catching up on paying any accounts that are overdue, and fixing errors on your credit report can improve your standing with the credit bureaus and raise your credit-based insurance scores.

  • Buy only the coverage you need. A basic policy with low coverage limits and a high deductible typically costs less than policies with extensive riders, high coverage amounts, and minimal deductibles.

Get Cheap Car Insurance in Terre Haute

Liability rates start at $24/mo.

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Cheapest liability-only car insurance in Terre Haute: Auto-Owners

Liability insurance protects you financially in case you cause an accident. If the other driver in the accident sues you, you could be responsible for paying their medical expenses or compensating them for property damage. Liability insurance pays what you owe, up to a set limit.

The average cost of liability insurance in the city is $66 per month. Here are the cheapest car insurance companies in Terre Haute for liability-only coverage:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners24
State Farm26
USAA27
GEICO29
American Family38
Clearcover43
Progressive47
Travelers51
Farmers53
National General53
Dairyland57
Direct Auto60
Allstate61
Midvale Home & Auto63
Nationwide66
GAINSCO70
Elephant71
Safeco71
The General71
Liberty Mutual73
CSAA75
Bristol West84
Foremost102
AssuranceAmerica114
State Auto126
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Terre Haute: Auto-Owners

A full-coverage insurance policy includes liability coverage plus collision coverage and comprehensive coverage. Collision coverage pays for damage to your car from a crash with another vehicle or object, regardless of fault. Comprehensive coverage helps pay for car damages from incidents like natural disasters, hitting an animal, vandalism, or theft.

“When you have a lien holder, typically they require that you have full coverage so that they can get paid back in the event of an accident,” says Camron Moss, an agent with A Plus Insurance. “If your car is paid off, but it is a newer car, it would be a good idea to have full coverage, just so that you can get a replacement vehicle [of] the same type and quality.”

The average cost of full-coverage insurance in the city is $121 per month. The following are average monthly quotes for full-coverage car insurance from the most affordable insurers in Terre Haute.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners47
State Farm49
USAA52
GEICO55
Clearcover70
American Family73
Progressive91
Travelers98
Midvale Home & Auto101
Farmers102
National General107
Elephant108
Allstate116
Direct Auto116
Nationwide128
GAINSCO132
CSAA134
Safeco134
Dairyland153
AssuranceAmerica159
Liberty Mutual167
The General167
State Auto178
Bristol West192
Foremost216
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Indiana

Like most other states, Indiana requires drivers to buy a minimum amount of liability coverage in case they’re responsible for an accident. You might need additional coverage types or higher limits than the minimum.

The state also requires insurers to offer the following optional coverages. Drivers who don’t want to buy these policy add-ons must state their rejection in writing.[2]

  • Uninsured motorist bodily injury: This coverage pays medical expenses for you and your passengers if an uninsured motorist causes an accident with your vehicle. The minimum limits are $25,000 per person or $50,000 per accident.

  • Uninsured motorist property damage: This compensates you for damage to your car or other property caused by an uninsured driver. Insurers must offer coverage of at least $25,000.

  • Underinsured motorist bodily injury: If an insured driver causes an accident and their policy doesn’t pay enough to cover the resulting medical expenses, this coverage can make up the difference. The coverage limit must be at least $50,000.

Indiana requires 25/50/25 liability insurance. The following table shows the mandatory types of coverage and the minimum limits for each:[1]

CoverageMinimum Requirements
Bodily injury liability

$25,000 per person

$50,000 per accident

Property damage liability$25,000 per accident
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

While these are just minimums, you may want more coverages to boost your policy. Consider adding these to your auto insurance policy:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for your car repairs or replacement if you hit a stationary object or another vehicle, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle repairs or replacement after non-collision incidents. These can include theft, vandalism, falling objects, severe weather, and more.

  • illustration card https://a.storyblok.com/f/162273/x/94dcf3f967/lender-requirement.svg

    Gap coverage

    If you finance or lease your vehicle, gap insurance can pay the difference between the remaining balance on your agreement and your insurance settlement if your car is a total loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    Rental reimbursement coverage helps pay for the cost of using a rental car or alternative transportation if your car is in the shop during a covered claim.

Cheapest car insurance for drivers with an incident

Drivers with an incident on their record — meaning an at-fault accident, speeding ticket, DUI, or other moving violation — typically face higher car insurance rates.[5] "Insurance companies try to determine how much they’re going to pay out per person," Moss says. "If you have a moving violation, maybe you would be more likely to file a claim than someone who hasn't had one."

If you have multiple incidents on your driving record, you may have trouble finding car insurance. Terre Haute drivers in this situation can apply for the Indiana Auto Insurance Plan. Any agent in the state can help a driver apply for this coverage. Launched in 1948, the program is intended to help high-risk drivers who haven’t been able to find a company to insure them voluntarily. 

Find Cheap Car Insurance in Terre Haute

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

How much a speeding ticket will raise your rates depends on the insurer and how serious the speeding incident was. In Terre Haute, drivers with a speeding ticket pay an average of $98 per month for liability coverage.

The following are average monthly quotes for liability coverage from some of the most affordable insurance companies offering policies in Terre Haute:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2432
State Farm2634
USAA2736
GEICO2938
American Family3850
Clearcover4357
Progressive4762
Travelers5168
Farmers5370
National General5377
Dairyland5776
Direct Auto6080
Allstate6181
Midvale Home & Auto6386
Nationwide6688
GAINSCO70102
Elephant71103
Safeco7195
The General7195
Liberty Mutual73106
CSAA75102
Bristol West84110
Foremost102148
AssuranceAmerica114154
State Auto126181
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

An at-fault accident will typically lead to higher premiums for the following three years, according to the Insurance Information Institute.[6] In Terre Haute, drivers with an at-fault accident on their records pay an average of $96 per month for liability coverage.

If you have a recent accident on your driving record, consider one of the insurers listed below.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2432
State Farm2635
USAA2736
GEICO2939
American Family3851
Clearcover4362
Progressive4764
Travelers5169
Farmers5371
National General5371
Dairyland5777
Direct Auto6083
Allstate6182
Midvale Home & Auto6390
Nationwide6690
GAINSCO7091
Elephant7194
Safeco7193
The General7198
Liberty Mutual73107
CSAA75106
Bristol West84111
Foremost102150
AssuranceAmerica114154
State Auto126187
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Accidents in which at least one driver was alcohol-impaired accounted for 30% of all fatal crashes in 2020, according to the National Highway Traffic Safety Administration (NHTSA).[7] Insurers take this violation seriously and may quote higher rates to drivers with a DUI.

In Terre Haute, drivers with DUIs on their records pay an average of $110 per month for liability coverage.

Drivers with DUI convictions may find the cheapest insurance in Terre Haute from the insurers below.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2440
State Farm2643
USAA2745
GEICO2948
American Family3863
Clearcover4372
Progressive4778
Travelers5185
Farmers5388
National General5388
Dairyland5795
Direct Auto60100
Allstate61102
Midvale Home & Auto63105
Nationwide66110
GAINSCO70117
Elephant71119
Safeco71119
The General71119
Liberty Mutual73122
CSAA75125
Bristol West84140
Foremost102170
AssuranceAmerica114190
State Auto126210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Drivers tend to pay lower car insurance rates starting around age 26, but costs go up again once they reach their 70s.[5] Older drivers get into accidents more often than middle-aged drivers, although the Insurance Institute for Highway Safety (IIHS) reports that the rate at which older motorists are killed in collisions decreased between 1997 and 2021.[8]

In Terre Haute, senior drivers pay an average of $45 per month for liability coverage and $83 per month for full coverage.

Here are the cheapest car insurance companies for senior drivers in Terre Haute.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1733
State Farm1834
USAA2038
GEICO2140
American Family2752
Progressive3059
Clearcover3151
Travelers3670
Farmers3772
National General3978
Dairyland42112
Direct Auto4281
Midvale Home & Auto4369
Allstate4585
Nationwide4586
Elephant5177
GAINSCO5298
Liberty Mutual52120
Safeco5298
CSAA5395
The General53125
Bristol West61140
Foremost72153
AssuranceAmerica78109
State Auto88124
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Finding affordable car insurance for teens can be challenging because teens have less driving experience than adult motorists and are statistically more likely to be involved in accidents.[5] Consequently, auto rates for teens are usually significantly higher than for adults.

Teens may be able to find cheaper rates if they stay on their parents’ insurance or get on the insurance plan of another older relative or friend. Teens who can’t join another person’s auto policy should look for discounts, like good student discounts, paperless discounts, and telematics-based discounts that set a rate based on driving behavior.

"If you are trying to get an insurance policy on your own, and you’re a young driver, try not to get a vehicle that requires full coverage. So maybe stay away from newer vehicles," Moss says. The following table illustrates some full-coverage car insurance rates for teen drivers in Terre Haute.

In Terre Haute, teen drivers pay an average of $113 per month for liability coverage and $208 per month for full coverage.

Here are the cheapest car insurance companies for teen drivers in Terre Haute.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners4079
State Farm4381
GEICO4484
USAA4484
American Family65125
Clearcover82133
Progressive83161
Travelers90172
Farmers91175
Dairyland93250
National General97195
Allstate104198
Direct Auto107207
Midvale Home & Auto107172
Nationwide110213
The General112264
Elephant114174
CSAA120215
GAINSCO122231
Liberty Mutual133304
Bristol West140319
Safeco146275
Foremost176373
AssuranceAmerica207288
State Auto218308
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare Terre Haute Car Insurance Quotes

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Terre Haute car insurance quotes by credit tier

Indiana allows insurers to take drivers’ credit history into account when setting rates. Insurers generally view drivers with excellent or good credit as better risks and may quote lower premiums to them, while drivers with poor credit scores often pay higher rates.[9]

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Terre Haute?

The average rate for full-coverage insurance in Terre Haute is $121 a month. That’s less than the national average of $215 a month.

But the statewide average cost of full coverage in Indiana is just $140 per month, and auto insurance in Terre Haute is somewhat more expensive than in other nearby cities like Bloomington, Fort Wayne, and South Bend.

A variety of factors can cause car insurance premiums to be higher in some cities than in others. Insurers consider the size of the population, weather conditions, and accident rates when determining premiums.

More cities in Indiana

Here's how average rates in other Indiana cities compare to Terre Haute's rates.

CityFull CoverageLiability Only
Evansville$141$74
Fort Wayne$146$74
Indianapolis$160$77
Lafayette$126$67
Muncie$125$64
South Bend$136$65
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Terre Haute car insurance FAQs

Indiana drivers can learn more about how car insurance rates are increasing to better understand why it’s so important to find affordable car insurance coverage. Here are the answers to commonly asked questions about auto insurance in Terre Haute.

  • How much is car insurance in Terre Haute?

    The average cost of car insurance in Terre Haute is $66 per month for liability coverage and $121 per month for full coverage.

  • Who has the cheapest car insurance in Terre Haute?

    The cheapest liability car insurance companies in Terre Haute are Auto-Owners, State Farm, and USAA, with rates starting $24, $26, and $27 per month, respectively.

  • What are the best car insurance companies in Terre Haute?

    The best car insurance companies in Terre Haute are USAA, GEICO, Auto-Owners, and State Farm. These companies have low average car insurance costs, high third-party ratings, and solid IQ Scores, indicating customer satisfaction and financial strength.

  • How much car insurance do you need in Indiana?

    In Indiana, drivers must have $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[1]

  • Is Indiana a no-fault state?

    No. Indiana follows a fault system in car insurance. This means the driver responsible for a car accident is liable for the injuries and damages they cause. The driver’s liability insurance policy will cover damages and injuries they cause.[10]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Indiana Bureau of Motor Vehicles. "Proof of Financial Responsibility."
  2. Indiana Department of Insurance. "Auto Insurance."
  3. J.D. Power. "2023 U.S. Auto Claims Satisfaction Study."
  4. National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2022 Top 25 Groups and Companies by Countrywide Premium."
  5. III. "What determines the price of an auto insurance policy?."
  6. III. "Do auto insurance premiums go up after a claim?."
  7. National Highway Traffic Safety Administration. "Traffic Safety Facts."
  8. Insurance Institute for Highway Safety. "Older drivers."
  9. NAIC. "Credit-Based Insurance Scores."
  10. Nolo. "Indiana Auto Insurance Requirements."
Sarah Brodsky
Sarah Brodsky

Sarah Brodsky is a freelance writer with 15 years of experience covering personal finance and economics. She enjoys delving into the details of insurance, credit, loans, and the labor market. She’s written for publications including Bankrate, CNET, and Investopedia, and she’s created content for brands like Credit Karma, KeyBank, and Thrivent. When she’s not writing, you might find her learning languages or baking pizza. She has an AB in economics from the University of Chicago, and she lives in St. Louis, MO. Connect with her on LinkedIn.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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