Goshen, IN Car Insurance

The average cost for car insurance in Goshen is about $49 a month. To learn more about policy rates and coverage in the Goshen area, continue reading our guide below.
What should residents of Goshen expect to pay for their car insurance? How does Goshen compare to the surrounding area and the rest of Indiana? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Goshen?

Area Average Monthly Car Insurance Premium
Goshen$49
IN$51
United States$80

As you can see in the chart above, car insurance rates in Goshen are slightly less expensive than the rest of Indiana.

If you're thinking of moving to Goshen from out of state, you may still be in luck. You can expect to pay about $31 below the national average for auto insurance in Goshen.

Although these are the average rates for auto insurance in Goshen, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down average rates for Goshen residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$68
25-34$43
35-44$47
45-54Not Enough Data
55-64$27
65+$37

Generally, the older you are, the more experienced you are on the roads. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $31 more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Goshen drivers may see their rates climb back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$52
Female$46

Female drivers pay, on average, slightly less than their male counterparts. The difference in Goshen is about $6 per month. Based on the chart above, you can see that female drivers pay around $46 on average, while male drivers typically pay $52 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$50
Multiple AccidentsNot Enough Data
1 Ticket$47
Multiple Tickets$64

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Goshen with one accident will pay around $50 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $47.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$37
2-3 Years$60
4-5 Years$58
6-7 Years$39
8-10 Years$48
11-14 Years$50
15 Years or Older$48

In Goshen, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $40 per month to insure their vehicle.

Car owners can expect to pay an average of around $51 a month for their policy, while SUVs usually cost around $47 a month to insure.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Goshen, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$51
Married$49
Divorced$40
Widowed$29

Generally, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in Goshen.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$46
Live with parents$68

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Goshen, expect to pay around $3 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Goshen, IN

Recent trends in car insurance for Goshen drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

The cost of car insurance in Goshen had been increasing from 2016-2018, before steadying out in 2019. Insurance rates finished down in 2021, at $45 a month

How does Goshen compare to neighboring areas?

Why are car insurance rates in Goshen different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Off-street parking accessibility
  • Local crime rates
  • Number of drivers in the community
  • Local regulations
  • Frequency of car accidents

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Goshen?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Goshen.

Compare the cheapest quotes from dozens of insurance companies

Goshen Insurance FAQs

What factors affect car insurance quotes in Goshen?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Goshen different from other neighboring cities?

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Goshen?

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 Goshen?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Goshen 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.

Find your best rate in just a few minutes