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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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 Average (annual) Indiana Average U.S. Average
$1,212 $1,165 $1,548
Jump to Evansville auto insurance rates by:


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 view quotes specific to your unique driving profile.

Insurance Company Average 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.

Age bracket Average 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.

Gender/Marital Status Average 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.

Violation/Incident Average 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.

Credit Level Average 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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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 editorial 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.