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How much is car insurance in Evansville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Evansville as it does in the rest of Indiana.
When stacked up against the national average, the average monthly policy payment for Evansville is more affordable. Auto insurance coverage in Evansville is about $26 cheaper than it is for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Evansville, and that the rate you get could end up being something different. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've analyzed the average rate for Evansville and broken down the different factors to help you understand what your policy's monthly premium will be. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay $44 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may start to rise again in Evansville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Evansville totals about $4 a month. Based on the chart above, you can see that female drivers pay around $52 on average, while male drivers typically pay $56 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay significantly less than those with infractions. The rate for drivers in Evansville with a single accident on their record is about $77 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $112.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$55|
If you look at the first table above, you'll see that SUVs, trucks, and vans are by and large the cheapest vehicles to insure in Evansville, with drivers paying around $52 per month for auto insurance.
Car owners, meanwhile, pay on average $55 per month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Evansville, the most expensive vehicles to insure are vehicles fifteen years and older and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
The cost of auto insurance in Evansville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Those who own their own home in Evansville can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Evansville, IN
Recent trends in car insurance for Evansville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
Auto insurance rates in Evansville dropped from 2016-2017, before leveling out in 2018. Car insurance rates fell again recently, reaching a low of $43 in 2021.
How does Evansville compare to neighboring areas?
Why are car insurance rates in Evansville different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Regional regulations
- Rate of car accidents
- Availability of off-street parking
- Total number of drivers in the region
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Evansville?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Evansville.
Evansville Insurance FAQs
What factors affect car insurance quotes in Evansville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Evansville different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Evansville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.