Terre Haute, IN Car Insurance

Drivers in Terre Haute pay, on average, $51 a month for their car insurance. To learn more about what you're likely to pay in the Terre Haute area, read our guide below.
How much can residents of Terre Haute expect to pay for their car insurance? Compared to their surrounding area, how do rates in Terre Haute stack up? What about against the rest of Indiana? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Terre Haute?

Area Average Monthly Car Insurance Premium
Terre Haute$51
IN$51
United States$80

As you can tell by looking at the chart above, car insurance rates in Terre Haute are about the same as the rest of Indiana.

If you're thinking of moving to Terre Haute from out of state, you may still be in luck. It's about $29 cheaper to insure your vehicle in Terre Haute compared to the average rate for the United States as a whole.

Although these are the average car insurance rates in Terre Haute, you could end up paying 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 the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down the average rate for Terre Haute residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$78
25-34$43
35-44$41
45-54Not Enough Data
55-64$39
65+$36

Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $42 more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates rise again in Terre Haute.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$49

Female drivers pay, on average, slightly less than their male counterparts. This is true in Terre Haute, where male drivers pay about $5 more per month. As illustrated in the table above, male drivers in the area pay about $54 on average, while female drivers pay around $49 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$52
Multiple Accidents$79
1 Ticket$53
Multiple Tickets$105

Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Terre Haute with one accident will pay around $52 a month. Similarly, drivers with one ticket will typically pay around $53 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$52
2-3 Years$56
4-5 Years$47
6-7 Years$64
8-10 Years$50
11-14 Years$51
15 Years or Older$50

As you can see in the first table above, the cheapest vehicles to insure in Terre Haute are by and large SUVs, trucks, and vans, which run about $46 per month.

Car owners, meanwhile, pay on average $55 a month for insurance coverage.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Terre Haute, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$56
Married$44
Divorced$40
Widowed$37

Generally speaking, married policyholders will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.

The difference in rates based on relationship status in Terre Haute is about $12 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$45
Rent$52
Live with parents$94

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $7 a month more than drivers who own property in Terre Haute. But those who live at home with their parents can expect to pay significantly more.

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

Car Insurance Companies in Terre Haute, IN

Recent trends in car insurance for Terre Haute 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 rates for car insurance in Terre Haute had been decreasing from 2016-2017, before steadying out in 2018. Policy premiums decreased again recently, hitting a low of $35 in 2021.

How does Terre Haute compare to neighboring areas?

Why are car insurance rates in Terre Haute different from other areas?

Car insurance companies take in a variety of factors when figuring out how much individual insurance policies will cost. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Local laws
  • Total amount of drivers in the area
  • Road Safety (frequency of local car accidents)
  • Prevalence of crime
  • Access to off-street parking

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Terre Haute?

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 has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Terre Haute in no time.

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Terre Haute Insurance FAQs

What factors affect car insurance quotes in Terre Haute?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.

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

Auto insurance companies consider regional factors, such as parking situations, crime rates, 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 Terre Haute?

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 Terre Haute?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Terre Haute 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