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What's the average car insurance rate in Fishers?


The average car insurance rate in Fishers, Indiana, is $1,139 per year. That's less than the statewide average in Indiana ($1,165) and cheaper than the nationwide average of $1,548. Our guide to Fishers car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to find out more.


FISHERS CAR INSURANCE RATES
Fishers Average (per year) Indiana Average National Average
$1,139 $1,165 $1,548


Contents:


Fishers car insurance premiums by company


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the carrier from which you receive the most affordable quote. In Fishers, Erie provides the most affordable rates for the typical insurance customer. We've listed the best cheap car insurance companies in Fishers below. Use this information as a starting point and make sure to seek out quotes specific to your unique driving profile.


FISHERS CAR INSURANCE RATES BY COMPANY
Insurance Company Average Rate (annual)
Erie $744
State Farm $868
AAA $937
Indiana Farm Bureau $1,138
Progressive $1,173


Read our guide to finding the best cheap auto insurance.



Fishers car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Fishers are drivers in their 50s, who pay an average of $970 per year. Drivers in their 60s pay marginally higher rates — $1,008 per year.

Teen drivers pay Fishers's most expensive auto insurance rates. When drivers hit their 20s in Fishers and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Fishers is $2,154, the largest such difference between any two age groups.


FISHERS AUTO INSURANCE COSTS BY AGE
Age group Average Yearly Rate
Teens $3,656
20s $1,502
30s $1,104
40s $1,044
50s $970
60s $1,008
70s $1,234


Find out more about how age affects auto insurance rates.



Fishers car insurance rates by marital status and gender


Marital status and gender are contributing factors to car insurance rates in some cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Fishers pay $56 less than single drivers for auto insurance.

Gender is another factor that can impact auto insurance costs. The typical male driver in Fishers pays $26 more each year for car insurance than does his female counterpart.


FISHERS CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/Gender Average Yearly Rate
Female $1,113
Male $1,139
Single $1,139
Married $1,083
Divorced $1,139
Widowed $1,138


Find out more about how gender and marital status have on auto insurance rates.



Fishers car insurance rates by violation history


If you want to keep your car insurance costs down, keep your driving record clean. 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 Fishers, a reckless driving citation results in an average insurance rate increase of $541 per year, compared to the citywide average. For the sake of comparison, a DUI offense results in a $478 increase, and a speeding ticket brings about a $321 rate hike.


FISHERS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation Average Yearly Rate
DUI/DWI $1,617
Reckless Driving $1,680
At-fault Accident (damages less than $1,000) $1,528
At-fault Accident (damages > $2,000) $1,641
Speeding Ticket (16-20 mph over speed limit) $1,460


Get more info on how a bad driving history can impact your car insurance costs.



Fishers car insurance rates by credit score


An important insurance rating factor in most states is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Fishers 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 meaningful step toward saving money on auto insurance. In Fishers, improving your credit to "Fair" could help you earn a $428 decrease in yearly insurance premiums.


FISHERS CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit Level Average Rate (annual)
Very Poor $2,194
Fair $1,766
Good $1,456
Very Good $1,201
Exceptional $987


Learn more about the relationship between credit and car insurance.



Ross Martin photo
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.