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How much is car insurance in Evansville?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $4 a month more expensive to insure your vehicle in Evansville than it is in the rest of Indiana.
On the flip side, the expected monthly payments for an auto insurance policy in Evansville are below the national average. It's around $27 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Bear in mind that while these rates are the average costs for drivers in Evansville, it doesn't mean that's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've analyzed the average rate for Evansville and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Evansville drivers may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This rings true in Evansville, where women pay around $6 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $51 each month, while men pay $57 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Evansville with a single accident will pay around $81 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $70 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$40|
|15 Years or Older||$54|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Evansville, with drivers paying around $51 per month for auto insurance.
Car owners can expect to pay an average of around $56 a month for their policy, while truck and van drivers are usually around $52 to insure each month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Evansville, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Overall, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Evansville can be as much as $15 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
One other element taken into consideration is your housing situation. Those who own their own home in Evansville can expect to pay around $6 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Evansville, IN
Recent trends in car insurance for Evansville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Evansville, the rates for auto insurance rose from 2017-2018, when they reached a high of $57. This shifted in 2019, when car insurance rates began to decrease. They hit a low of $49 in 2021, and finished up in 2022, at $56 a month.
How does Evansville compare to neighboring areas?
Why are car insurance rates in Evansville different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Frequency of car accidents
- Total amount of drivers in the community
- Off-street parking availability
- Community laws
- Regional crime rates
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Evansville?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Evansville.
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Evansville Insurance FAQs
What factors affect car insurance quotes in Evansville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Evansville different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Evansville?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Evansville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Evansville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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