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 Average||U.S. Average|
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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 Company||Average Annual Rate|
|Indiana Farm Bureau||$1,232|
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 bracket||Average Yearly Rate|
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 Status||Average Annual Rate|
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/Incident||Average Annual Rate|
|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|
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 Level||Average Rate (annual)|