Cheapest Auto Insurance in Terre Haute, Indiana (2024)
Auto-Owners has the cheapest car insurance in Terre Haute, with liability rates as low as $25 per month.
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Written bySarah Brodsky
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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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Edited byCourtney Mikulski
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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 November 21, 2024
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Table of contents
Auto insurance in Terre Haute costs an overall average of $99 per month, which is similar to the state average of $108. 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 $69 per month for liability coverage and $129 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 Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $54 | $27 | Liability coverage |
| State Farm | 9.3 | $57 | $29 | Teen drivers |
| GEICO | 9.0 | $63 | $32 | Drivers 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best company for liability-only coverage: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| 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. | $25/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. | $50/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best company for teen drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $27/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. | $52/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best company for drivers with a speeding ticket: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| 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. | $58/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
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 $25/mo.
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Based on 3,806+ reviews
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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 $69 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $25 |
| State Farm | $27 |
| USAA | $28 |
| GEICO | $29 |
| American Family | $39 |
| Clearcover | $45 |
| Progressive | $50 |
| Travelers | $52 |
| Farmers | $55 |
| Direct Auto | $59 |
| Root | $61 |
| Allstate | $62 |
| Dairyland | $65 |
| Nationwide | $69 |
| CSAA | $70 |
| National General | $73 |
| The General | $74 |
| Safeco | $76 |
| Bristol West | $79 |
| Elephant | $79 |
| Liberty Mutual | $81 |
| GAINSCO | $83 |
| Foremost | $104 |
| AssuranceAmerica | $115 |
| State Auto | $130 |
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 $129 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $50 |
| State Farm | $52 |
| USAA | $56 |
| GEICO | $58 |
| Clearcover | $74 |
| American Family | $77 |
| Root | $96 |
| Progressive | $97 |
| Travelers | $104 |
| Farmers | $108 |
| Direct Auto | $115 |
| CSAA | $116 |
| Allstate | $123 |
| Elephant | $123 |
| Nationwide | $136 |
| Safeco | $136 |
| National General | $145 |
| Dairyland | $160 |
| The General | $169 |
| Bristol West | $177 |
| AssuranceAmerica | $180 |
| Liberty Mutual | $182 |
| GAINSCO | $191 |
| Foremost | $196 |
| State Auto | $257 |
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 recent rates near Terre Haute, Indiana
Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $62/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 November 21, 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 November 21, 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 November 21, 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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Coverage ▲▼ | Minimum 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:
Collision coverage
Collision coverage pays for your car repairs or replacement if you hit a stationary object or another vehicle, regardless of fault.
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.
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.
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 $100 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $25 | $33 |
| State Farm | $27 | $35 |
| USAA | $28 | $37 |
| GEICO | $29 | $38 |
| American Family | $39 | $52 |
| Clearcover | $45 | $60 |
| Progressive | $50 | $66 |
| Travelers | $52 | $69 |
| Farmers | $55 | $72 |
| Direct Auto | $59 | $78 |
| Root | $61 | $86 |
| Allstate | $62 | $82 |
| Dairyland | $65 | $86 |
| Nationwide | $69 | $92 |
| CSAA | $70 | $94 |
| National General | $73 | $97 |
| The General | $74 | $100 |
| Safeco | $76 | $102 |
| Bristol West | $79 | $105 |
| Elephant | $79 | $112 |
| Liberty Mutual | $81 | $115 |
| GAINSCO | $83 | $118 |
| Foremost | $104 | $148 |
| AssuranceAmerica | $115 | $152 |
| State Auto | $130 | $185 |
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 $99 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $25 | $34 |
| State Farm | $27 | $36 |
| USAA | $28 | $38 |
| GEICO | $29 | $39 |
| American Family | $39 | $53 |
| Clearcover | $45 | $66 |
| Progressive | $50 | $68 |
| Travelers | $52 | $71 |
| Farmers | $55 | $74 |
| Direct Auto | $59 | $82 |
| Root | $61 | $88 |
| Allstate | $62 | $84 |
| Dairyland | $65 | $87 |
| Nationwide | $69 | $94 |
| CSAA | $70 | $98 |
| National General | $73 | $99 |
| The General | $74 | $102 |
| Safeco | $76 | $102 |
| Bristol West | $79 | $107 |
| Elephant | $79 | $105 |
| Liberty Mutual | $81 | $117 |
| GAINSCO | $83 | $108 |
| Foremost | $104 | $150 |
| AssuranceAmerica | $115 | $152 |
| State Auto | $130 | $191 |
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 $113 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $25 | $41 |
| State Farm | $27 | $44 |
| USAA | $28 | $46 |
| GEICO | $29 | $48 |
| American Family | $39 | $64 |
| Clearcover | $45 | $74 |
| Progressive | $50 | $82 |
| Travelers | $52 | $85 |
| Farmers | $55 | $90 |
| Direct Auto | $59 | $97 |
| Root | $61 | $90 |
| Allstate | $62 | $102 |
| Dairyland | $65 | $107 |
| Nationwide | $69 | $113 |
| CSAA | $70 | $103 |
| National General | $73 | $120 |
| The General | $74 | $122 |
| Safeco | $76 | $116 |
| Bristol West | $79 | $130 |
| Elephant | $79 | $130 |
| Liberty Mutual | $81 | $133 |
| GAINSCO | $83 | $136 |
| Foremost | $104 | $171 |
| AssuranceAmerica | $115 | $189 |
| State Auto | $130 | $213 |
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 $53 per month for liability coverage and $98 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $19 | $38 |
| State Farm | $20 | $39 |
| USAA | $21 | $43 |
| GEICO | $22 | $44 |
| American Family | $29 | $58 |
| Progressive | $35 | $67 |
| Clearcover | $37 | $61 |
| Travelers | $39 | $78 |
| Farmers | $41 | $81 |
| Direct Auto | $44 | $86 |
| Allstate | $48 | $95 |
| Nationwide | $49 | $97 |
| Root | $49 | $78 |
| Dairyland | $50 | $123 |
| CSAA | $51 | $85 |
| National General | $54 | $106 |
| The General | $58 | $132 |
| Bristol West | $61 | $136 |
| Elephant | $62 | $97 |
| Safeco | $62 | $112 |
| Liberty Mutual | $65 | $147 |
| GAINSCO | $67 | $154 |
| Foremost | $80 | $151 |
| AssuranceAmerica | $83 | $130 |
| State Auto | $93 | $184 |
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 $124 per month for liability coverage and $233 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $43 | $87 |
| GEICO | $48 | $96 |
| State Farm | $48 | $92 |
| USAA | $48 | $97 |
| American Family | $69 | $137 |
| Clearcover | $85 | $140 |
| Progressive | $90 | $175 |
| Root | $94 | $148 |
| Travelers | $97 | $194 |
| Farmers | $99 | $194 |
| Dairyland | $108 | $266 |
| Direct Auto | $111 | $216 |
| Allstate | $114 | $226 |
| CSAA | $116 | $192 |
| The General | $121 | $277 |
| Nationwide | $124 | $245 |
| Elephant | $132 | $206 |
| Bristol West | $137 | $307 |
| Liberty Mutual | $143 | $322 |
| GAINSCO | $148 | $340 |
| National General | $148 | $293 |
| Safeco | $150 | $269 |
| Foremost | $190 | $358 |
| AssuranceAmerica | $217 | $340 |
| State Auto | $238 | $470 |
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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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 $129 a month. That’s less than the national average of $204 a month.
But the statewide average cost of full coverage in Indiana is just $144 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.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Evansville | $144 | $77 |
| Fort Wayne | $147 | $76 |
| Indianapolis | $168 | $85 |
| Lafayette | $133 | $70 |
| Muncie | $126 | $69 |
| South Bend | $140 | $68 |
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 $69 per month for liability coverage and $129 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 $25, $27, and $28 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
- 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.
Related articles
More cities in Indiana
Sources
- Indiana Bureau of Motor Vehicles. "Proof of Financial Responsibility."
- Indiana Department of Insurance. "Auto Insurance."
- J.D. Power. "2023 U.S. Auto Claims Satisfaction Study."
- National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2022 Top 25 Groups and Companies by Countrywide Premium."
- III. "What determines the price of an auto insurance policy?."
- III. "Do auto insurance premiums go up after a claim?."
- National Highway Traffic Safety Administration. "Traffic Safety Facts."
- Insurance Institute for Highway Safety. "Older drivers."
- NAIC. "Credit-Based Insurance Scores."
- Nolo. "Indiana Auto Insurance Requirements."
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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 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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