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How much is car insurance in Jeffersonville?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $10 a month more expensive to insure your vehicle in Jeffersonville than it is in the rest of Indiana.
Compared to the rest of the country, auto insurance in Jeffersonville is more affordable. You can expect to pay about $21 below the national average for auto insurance in Jeffersonville.
Bear in mind that while these rates represent the expected monthly payments for residents of Jeffersonville, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But worry not, we've done the heavy lifting and broken down the average rate for Jeffersonville to help you understand what exactly you might be asked to pay. 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|
It makes sense that the older you are, the more experience you have driving, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates rise again once you hit retirement age in Jeffersonville.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Jeffersonville, although women do pay a bit less on their monthly auto insurance coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
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, a driving record with a single accident will usually get you a rate around $77 a month. Similarly, drivers with one ticket will typically pay around $76 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$55|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Jeffersonville, with drivers paying around $52 per month for insurance.
Car owners will see a monthly rate of about $60, while SUV owners usually pay around $67 per month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is close to 5 years old. In Jeffersonville, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
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 $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $4 a month more than drivers who own property in Jeffersonville. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Jeffersonville, IN
Recent trends in car insurance for Jeffersonville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In Jeffersonville, the rates for car insurance had been decreasing from 2017-2018, before rising from 2019-2020. They finished up in 2022 at $55.
How does Jeffersonville compare to neighboring areas?
Why are car insurance rates in Jeffersonville different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Total number of drivers in the region
- Area crime rates
- Availability of off-street parking
- Frequency of car accidents
- Local regulations
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Jeffersonville?
While knowing 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.
Fortunately, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Jeffersonville in no time.
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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 like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Jeffersonville different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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 Jeffersonville?
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 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Jeffersonville 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.
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