Evansville, IN Car Insurance

Learn more about rates and trends in Evansville.

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How much is auto insurance in Evansville?

 

Car insurance costs an average of $1,212 per year in Evansville. That's more expensive than the statewide average in Indiana ($1,165) and cheaper than the national average of $1,548. Our guide to Evansville auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

 
EVANSVILLE AUTO INSURANCE PREMIUMS
Evansville Average (annual)Indiana AverageU.S. Average
$1,212$1,165$1,548
 
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Evansville auto insurance rates by provider

 

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Evansville, Erie provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Evansville below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
EVANSVILLE CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
Erie$814
State Farm$1,021
AAA$1,068
Progressive$1,208
Indiana Farm Bureau$1,232
 

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

 
 

 

Evansville car insurance premiums by age

The best age for car insurance rates as a driver in Evansville is your age_50s: drivers in this age group pay an average of $1,044per year. Those in their age_60s don't pay much more ($1,086).

The Evansville drivers who pay the highest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Evansville is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Evansville is $2,555, the largest such difference between any two age brackets.

 
EVANSVILLE CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Yearly Rate
Teenagers$4,252
20s$1,697
30s$1,183
40s$1,113
50s$1,044
60s$1,086
70s$1,346
 

Learn more about the impact of age on car insurance premiums.

 
 

 

Evansville car insurance rates by gender and marital status

 

Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers usually pay less for car insurance than their single counterparts. In Evansville, married motorists pay $59 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Evansville, insurance rates for those who are widowed are less expensive than rates for those who are single.

Another component of auto insurance pricing is gender. In Evansville, the gap in average auto insurance premiums between genders is $28 per year, with male drivers paying more than female drivers.

 
EVANSVILLE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,184
Male$1,212
Single$1,153
Married$1,153
Divorced$1,212
Widowed$1,210
 

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

 
 

 

Evansville car insurance costs by accident and citation history

 

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most costly citations to receive are DUI and reckless driving. Evansville drivers found guilty of reckless driving face insurance rate increases of $577 per year, compared to the citywide average. A DUI violation may lead to a $513 increase, while a citation for speeding leads to a $338 rate hike.

 
AVERAGE EVANSVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Rate
DWI/DUI$1,725
Reckless Driving$1,789
At-fault Accident (damages < $1,000)$1,618
At-fault Accident (damages > $2,000)$1,736
Speeding Ticket (16-20 mph over speed limit)$1,550
 

Learn more about citations' impact on your auto insurance rates.

 
 

 

Evansville car insurance rates by credit tier

 

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Evansville drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 60% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Evansville, improving your credit to "Fair" could help you earn a $1,005 decrease in yearly insurance premiums.

 
EVANSVILLE CAR INSURANCE PREMIUMS BY CREDIT TIER
Credit LevelAverage Rate (annual)
Very Poor$2,488
Fair$1,483
Good$1,212
Very Good$1,101
Exceptional$1,000
 

Get additional information on how credit impacts car insurance costs.

 
 

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.