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How much is car insurance in Goshen?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Goshen are on par with what you would pay anywhere else in Indiana.
When stacked up against the national average, the average monthly policy payment for Goshen is more affordable. Car insurance rates for the United States as a whole are, on average, $33 more expensive than the rates you'd pay in Goshen.
Keep in mind that these are the average auto insurance rates for Goshen, and that the rate you get could end up being something different. 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.
Don't worry, we've done the work for you and broken down average rates for Goshen to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're getting the cheapest rate, 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 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may creep back up a bit in Goshen.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This rings true in Goshen, where women pay around $8 less per month than men. Based on the chart above, you can see that male drivers pay $52 on average, while female drivers typically pay $44 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Goshen with a single accident will pay around $51 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $52.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$37|
|15 Years or Older||$46|
The most affordable vehicles to insure in Goshen are by and large trucks and vans, which run about $41 per month.
SUV drivers will see rates of about $46, while the rates for car owners average out to about $50 per month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Goshen, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Generally speaking, people who are married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
While married drivers normally pay less than single drivers, in Goshen both groups pay about the same rate.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
One other element taken into consideration is your housing status. Renters can expect to pay around $2 a month more than drivers who own property in Goshen. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Goshen, IN
Recent trends in car insurance for Goshen drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Car insurance rates in Goshen went up from 2017-2018, when they hit a high of $54. This pattern changed in 2021, when they began to decrease, and have continued to do so through the present, when car insurance rates reached a low of $36 a month.
How does Goshen compare to neighboring areas?
Why are car insurance rates in Goshen different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (how many accidents each locality has)
- Local crime rates
- Off-street parking availability
- Regional laws
- Amount of drivers
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. Knowing 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 particular neighborhood.
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.
But hold on! Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Goshen.
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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 you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Goshen different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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 Goshen?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Goshen?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Goshen or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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