Cheapest Auto Insurance in Evansville, Indiana (2024)

Evansville, Indiana, residents can enjoy views of the Ohio River, visits to multiple museums, and plenty of parks. But before driving downtown to enjoy the city’s riverfront, you’ll first need car insurance. If you’re searching for the cheapest car insurance in Evansville, Indiana, it helps to know that the overall average cost is $110 per month, which is nearly the same as the overall state average of $110 and much lower than the overall national average of $158.

To help you compare quotes and decide which policy provides the most value at the right price, it’s a good idea to start with an understanding of how car insurance works in Indiana, the factors that affect rates, and how to save money on your auto insurance.

3 of the cheapest car insurance companies in Evansville

With many different companies and coverage options available, knowing which is right for you can be challenging. The quotes you receive depend on your age, location, driving history, and vehicle. To make the decision easier, Insurify analyzed Evansville’s best car insurance companies. The average rates in the table below are for Indiana overall, not just Evansville.

Best insurer for bundling: Auto-Owners

Best insurer for high-risk drivers: State Farm

Best insurer for military members: USAA

How to get the cheapest car insurance in Evansville

Insurers base auto insurance rates on several factors, including your age, driving experience, the type of vehicle you drive, and your location.^[1]

While factors like your age and location may be out of your control, you can still get cheap car insurance in Evansville with the following steps:

• Increase your deductible. Raising your deductible can lower your monthly premiums because you’ll cover more of the cost to repair or replace your vehicle after a covered claim.

• Take advantage of discounts. Many insurers offer discounts for having safety and anti-theft equipment installed on your vehicle, bundling home insurance and auto insurance policies, taking driver education courses, and for students who earn good grades.

• Maintain a good credit score. Insurance companies in Indiana can use credit scores to determine premiums, so having a good credit score can result in cheaper insurance.^[2]

• Shop around. Don’t just settle for the first quote you get. Compare auto quotes from multiple insurance companies with the same coverage levels to find the one that offers you the cheapest coverage.

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Cheapest liability-only car insurance in Evansville: Auto-Owners

If you’re looking for the most affordable car insurance in Evansville, Indiana, liability-only policies can be an option. Liability-only car insurance covers only the costs for injuries and damages you cause to other people and their property — it doesn’t cover any damage to your vehicle.

Liability-only policies in Evansville cost $74 per month, on average. The table below shows the average monthly premiums for liability-only policies from some of Evansville’s top car insurance companies.

Cheapest full-coverage car insurance in Evansville: Auto-Owners

Full-coverage policies provide liability coverage for damage you cause to other people and their property but also cover the cost of repairing or replacing your vehicle if it’s damaged in an accident — regardless of fault — or another covered claim. Drivers in Evansville pay an average of $145 per month for full-coverage insurance.

The table below shows the average monthly premiums for full-coverage policies from some of the top car insurance companies in Evansville.

Car insurance requirements in Indiana

Indiana is an at-fault state, meaning drivers are financially responsible for any damage or injury when they cause an accident. All drivers must carry at least the minimum liability coverage Indiana law requires, including bodily injury liability and property damage liability. And all newly written auto policies in Indiana must also include uninsured and underinsured motorist coverage, unless the policyholder rejects the coverage in writing.

Here are Indiana’s minimum liability coverage requirements for drivers:^[2]

“Buying the cheapest policy is not necessarily the best decision for every driver,” says Jeffrey L. Brewer, vice president of public affairs at the American Property Casualty Insurance Association. “Consider the type of vehicle that is being insured and the assets you need to protect.”

For additional coverage and peace of mind on the road, drivers should consider the following additions to their auto insurance policies, especially if they have an expensive or new car:

• 

  Comprehensive coverage

  This covers vehicle damage from non-collision events, like falling objects, natural disasters, theft, and vandalism.

• 

  Collision coverage

  This insurance add-on includes coverage for damages from an accident or collision, even if you caused it.

• 

  Roadside assistance

  This provides coverage for getting a tow, jump-start, or tire change when your car breaks down.

Cheapest car insurance for drivers with an incident

Having incidents like at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations on your record can result in increased car insurance rates.^[3] Insurers see drivers with these incidents as a higher risk and charge higher premiums to offset that risk.

However, these rate increases won’t last forever. As long as you avoid accidents, speeding, and driving under the influence, you may eventually see lower rates.

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

In Indiana, speeding tickets can add two points to your license and stay on your record for two years.^[4] They can also increase your car insurance premiums. The average cost of car insurance for drivers with a speeding ticket in Evansville is $208 per month for full coverage and $106 for liability only.

If you’re looking for cheap car insurance in Evansville after a speeding ticket, start your search with the insurers below.

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

An at-fault accident is extremely likely to raise your rates.^[3] Even just one accident signals higher risk to insurance companies, which increase prices accordingly. In Evansville, Indiana, the average cost of car insurance for drivers with an accident is $209 per month for full coverage and $107 for liability only.

The table below outlines the cheapest car insurance companies for drivers with an at-fault accident on their record in Evansville, Indiana.

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

Driving while under the influence of drugs and alcohol is extremely dangerous. About 37 people in the U.S. die in drunk-driving-related crashes every day, according to the National Highway Traffic Safety Administration.^[5]

Insurance companies charge the highest rates for drivers with a DUI on their record because they view them as a higher risk. And subsequent convictions can trigger a non-renewal for your policy, or the state can require an SR-22 insurance filing for you to drive again. Evansville drivers pay an average of $238 per month for full coverage and $121 for liability only after a DUI conviction.

The table below shows average monthly premiums for drivers with DUIs from some of Evansville’s top car insurance companies.

Cheapest car insurance for seniors: Auto-Owners

Insurance companies typically charge older drivers less for car insurance. But seniors may have poorer vision or slower reaction times compared to younger drivers, which can lead to increased accidents and premiums.^[6] Overall, though, seniors experience the best rates in Evansville compared to other age groups, according to Insurify data.

The average cost of car insurance for senior drivers in Evansville is $107 per month for full coverage and $54 for liability only. The table below shows the average monthly premiums for senior drivers from some of the top car insurance companies in Evansville.

Cheapest car insurance for teens: Auto-Owners

Teenagers typically pay higher car insurance rates than adults because they have less experience behind the wheel and are statistically more likely to be involved in an accident.^[1] Teen drivers in Evansville pay an average of $256 per month for full coverage and $130 for liability only.

Young drivers concerned about their rates can lower their car insurance costs by:

• Staying on their parents’ auto insurance policies as long as possible

• Driving a vehicle with safety features such as airbags and an anti-theft device

• Choosing an insurer with discounts for teen drivers who maintain good grades and take a defensive driving course

The table below shows the average monthly premiums for teens from some of the top car insurance companies in Evansville.

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Evansville car insurance quotes by credit tier

In Indiana, car insurance companies can use credit history to evaluate how risky a driver is.^[2]

“The vast majority of states permit the use of credit-based insurance scores because there is a high correlation between credit scores and the likelihood of filing insurance claims,” Brewer says. “Numerous studies conducted by academicians, actuaries, and government agencies have also verified the connection between credit information and insurance losses. These studies have demonstrated that drivers with the lowest credit scores have the highest losses, and those with the highest credit scores have the lowest losses.”

The following chart shows the average monthly premiums for Evansville drivers based on different credit tiers.

Is car insurance more expensive in Evansville?

The average car insurance policy in Evansville, Indiana, costs much less than the national average. The overall average monthly premium for car insurance in Evansville is $110, compared to $158 for the national average.

One reason could be population. While Evansville is one of the more populated cities in Indiana, it’s still relatively small compared to places like Indianapolis and other major metro areas across the country.^{[7] [8]} Auto insurance companies tend to charge drivers in big cities more because the more crowded the roads are, the more likely drivers in those cities are to be involved in a crash.^[9]

However, car insurance rates can vary widely, so it’s essential to shop around and compare rates from different companies to ensure you get the best deal.

More cities in Indiana

Car insurance rates vary widely from one city — and ZIP code — to the next in Indiana. To help drivers compare and find the most affordable car insurance for their needs, Insurify compiled average monthly premiums for the following cities in Indiana. Several of these cities have lower average premiums than Evansville, but only by around $10 to $15 per month.

Evansville car insurance FAQs