Carmel, IN Car Insurance

Auto insurance costs an average of $91 per month in Carmel. If you're paying too much, compare rates and save.

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How much does car insurance cost in Carmel?

Car insurance costs an average of $1,103 per year in Carmel. That's less than the Indiana average ($1,165) and less expensive than the nationwide average of $1,548. Our guide to Carmel car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more.

Carmel Average (per year) Indiana Average National Average
$1,103 $1,165 $1,548


Carmel auto insurance rates by company

Getting quotes from many different companies is the best way to find good coverage at a price that fits your budget. For a typical insurance customer, Erie provides Carmel's cheapest rates. Reference below the top options for affordable insurance in Carmel. Don't forget to get car insurance quotes based on your unique driving profile.

Insurer Average Annual Rate
Erie $744
State Farm $870
AAA $943
Progressive $1,098
Indiana Farm Bureau $1,138

Consult our expert guide to finding the best cheap car insurance.

Carmel car insurance premiums by age

The age bracket that pays the least for auto insurance in Carmel consists of drivers in their 50s, who pay an average of $941. Rates for Carmel drivers in their 60s are also relatively affordable, at just $976 per year.

Teenage drivers pay Carmel's most expensive insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Carmel is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Carmel is $2,063, the largest such difference between any two age brackets.

Age Average Annual Rate
Teenagers $3,516
20s $1,453
30s $1,068
40s $1,011
50s $941
60s $976
70s $1,194

Find out more about how age can change car insurance costs.

Carmel car insurance rates by marital status and gender

Marital status and gender are contributing factors to car insurance rates in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Carmel pay $54 less than single drivers for auto insurance.

Gender is another factor that can affect auto insurance rates. In Carmel, the gap in car insurance costs between genders is $25 per year, with male drivers paying more than female drivers.

Gender/Marital Status Average Yearly Rate
Female $1,078
Male $1,103
Single $1,103
Married $1,049
Divorced $1,103
Widowed $1,101

Discover more about how gender and marital status have on insurance rates.

Carmel auto insurance costs by accident and citation history

No matter where you live, steering clear of accidents and violations is the best way to keep your auto insurance rates at a minimum. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Carmel, a reckless driving citation results in an average insurance rate increase of $525 per year, compared to the citywide average. For the sake of comparison, a DUI offense results in a $469 increase, and a speeding ticket brings about a $309 rate hike.

Violation Average Yearly Rate
DWI/DUI $1,572
Reckless Driving $1,628
At-fault Accident (damages less than $1,000) $1,467
At-fault Accident (damages greater than $2,000) $1,580
Speeding Ticket (16-20 mph over speed limit) $1,412

Learn more about the impact of driving violations on car insurance rates.

Carmel car insurance rates by credit score

Credit score is often closely related to car insurance costs. In fact, Carmel drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 55% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a great way to bring down the cost of your auto insurance. In Carmel, improving your credit to "Fair" could help you earn $417 in savings on insurance premiums each year.

Credit Tier Average Yearly Rate
Very Poor $2,130
Fair $1,713
Good $1,410
Very Good $1,162
Exceptional $955

Get more information on how credit impacts car insurance costs.

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The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison tool, The Zebra partners with companies such as Allstate, Liberty Mutual, and Progressive to help consumers browse pricing, coverage, and service level for both home and auto insurance policies.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.