Muncie, IN Car Insurance

The average cost for car insurance in Muncie is about $44 a month. To learn more about car insurance rates in the Muncie area, read our guide below.
What can Muncie residents expect to pay for their car insurance? Are rates in Muncie higher or lower than those in neighboring areas? How do they compare to the rest of Indiana? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Muncie?

Area Average Monthly Car Insurance Premium
Muncie$44
IN$51
United States$80

Compared to the rest of the Indiana, coverage in Muncie is about $7 a month cheaper.

Likewise, car insurance rates in Muncie are more affordable than the national average. The average monthly payment for the United States as a whole is about $36 more expensive than in Muncie.

Bear in mind that while these rates represent the expected monthly payments for Muncie drivers, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

We've done the heavy lifting for you and broken down the average rate for Muncie so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$62
25-34$39
35-44$41
45-54Not Enough Data
55-64$33
65+$33

It would make sense that older drivers have more driving experience, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $29 more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may climb back up in Muncie.

Average Car Insurance Rates by Gender

Gender Average
Male$42
Female$45

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Muncie, although men do pay a little 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
1 Accident$54
Multiple Accidents$66
1 Ticket$87
Multiple Tickets$59

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Muncie with one accident will pay around $54 a month. Similarly, drivers with one ticket will typically pay around $87 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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$34
2-3 Years$47
4-5 Years$51
6-7 Years$38
8-10 Years$45
11-14 Years$46
15 Years or Older$41

In terms of affordable coverage, the cheapest vehicles to insure in Muncie are usually trucks and vans, at $39 per month.

Car owners can expect to pay an average of around $46 a month for their policy, while SUVs usually cost around $41 a month to insure.

Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Muncie, 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)$47
Married$32
Divorced$40
Widowed$35

On average, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Muncie, with married couples paying about $15 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$40
Rent$43
Live with parents$56

Another factor that comes into play is your living accommodations. Homeowners in Muncie can expect to pay around $3 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Muncie, IN

Recent trends in car insurance for Muncie drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Muncie, the rates for car insurance rose from 2016-2017, before steadying out in 2018. Insurance rates had been increasing again, hitting a high of $47 in 2020, and finished down at $37 in 2021.

How does Muncie compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:

  • Frequency of car accidents
  • Access to off-street parking
  • Area crime rates
  • Local regulations
  • Total number 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. 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 Muncie?

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.

But wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Muncie.

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Muncie Insurance FAQs

What factors affect car insurance quotes in Muncie?

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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.

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

Parking situations, crime rates, and local laws -- 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 Muncie?

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 Muncie?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Muncie or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes