Table of contents
How much is car insurance in Jeffersonville?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Indiana are about $11 a month cheaper than the rates drivers pay in Jeffersonville.
Drivers relocating from out of state may enjoy some cost savings in Jeffersonville. The average monthly payment in Jeffersonville is about $18 less than the rate for the rest of the U.S.
While these numbers are the average rates for auto insurance in Jeffersonville, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Jeffersonville so that you can get a more accurate idea of what your policy will cost you. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates creep back up once you hit retirement in Jeffersonville.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. Male and female drivers in Jeffersonville, however, both pay around $62 a month for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Jeffersonville, drivers with one accident on their record will experience rates around $81 a month. In addition, drivers with a single ticket on their record can expect to pay around $48 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$55|
According to the first table above, the cheapest vehicles to insure in Jeffersonville are usually trucks and vans, at $54 per month.
SUV drivers will see rates of about $74, while the rates for car owners average out to about $60 per month.
Your rates can also vary depending on how old your vehicle is. 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 monthly premium decrease. In Jeffersonville, the most expensive vehicles to insure are vehicles two-to-three years old and six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Jeffersonville as well, where the difference is around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$99|
Another factor that comes into play is your living situation. If you rent your home or apartment in Jeffersonville, expect to pay around $5 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Jeffersonville, IN
Recent trends in car insurance for Jeffersonville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Car insurance rates in Jeffersonville increased from 2016-2017, where they reached a high of $64, before leveling out in 2018. Car insurance rates went up again in 2019, and finished down at $53 in 2021.
How does Jeffersonville compare to neighboring areas?
Why are car insurance rates in Jeffersonville different from other areas?
Car insurance companies will take into account several factors when choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Area crime rates
- Total amount of drivers in the community
- Off-street parking accessibility
- Road Safety (how many accidents each locality has)
- Local laws
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. With the knowledge 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 Jeffersonville?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Jeffersonville.
Jeffersonville Insurance FAQs
What factors affect car insurance quotes in Jeffersonville?
Car insurance companies calculate quotes based on a wide array of factors. These 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 Jeffersonville 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 Jeffersonville?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Jeffersonville?
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. 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 Jeffersonville 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?