Evansville Car Insurance

The Zebra
May 30, 2018

Car Insurance in Evansville

Premiums in Indiana, which sit under the national average by 21%, are recognized for being low-cost. While premiums in in Evansville are also relatively low, it is still imperative to save while insuring a vehicle. Who doesn't like to save money? Check out some tips below about how to save on car insurance in Evansville.

  • City Average: $1,181
  • State Average: $1,133
  • National Average: $1,427

Evansville Car Insurance by Age

With payments of $4,050 on average, teenage drivers pay the most in car insurance premiums. Looking across all age groups, drivers in their 50s tend to have the smallest rates. Their rates typically average $1,025. People in their 60s ($1,045) also have relatively low premiums. When Evansville drivers hit their 20s, therefore moving out of the teenage age range, they can save 60%, which is the biggest gap you'll see between any age group. When drivers turn 60, they will experience a rate increase related to their age for the first time.

  • Teenagers: $4,050
  • 20s: $1,635
  • 30s: $1,163
  • 40s: $1,103
  • 50s: $1,025
  • 60s: $1,045
  • 70s: $1,242

Evansville Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Evansville is determined by numerous considerations, including gender and marital status. $14 is the amount by which men's and women's car insurance premiums deviate. Rates for those who are widowed are a hair cheaper than rates for those who are single, while rates for divorced individuals are more expensive. While being married (as opposed to single) doesn't significantly alter your premiums, it does save you a small amount of money.

  • Female: $1,195
  • Male: $1,181
  • Single: $1,181
  • Married: $1,175
  • Divorced: $1,187
  • Widowed: $1,163

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Evansville Car Insurance by Credit Rating

Those with Exceptional credit (800-850) usually pay 46% less each year on premiums than those with Very Poor credit (300-579). Moving from Good (670-739) to Very Good (740-799) brings in the greatest percent decrease in premiums, as drivers save close to 16% per year.

  • Very Poor: $1,998
  • Fair: $1,713
  • Good: $1,458
  • Very Good: $1,224
  • Exceptional: $1,073

Evansville Car Insurance by Accident or Violation History

Possessing a spotless driving record is vital if you want to keep your insurance rates low. A DUI will increase your car insurance premiums more than other driving violations. In Evansville, drivers with a DUI need to spend $626 more than the city average to insure their vehicle. Reckless driving will also push your premiums up, with typical rates of $1,725. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you an additional 3% per year in premiums.

  • DUI: $1,807
  • Reckless Driving: $1,725
  • At-fault Accident (damages less than $1000): $1,684
  • At-fault Accident (damages greater than $2000): $1,735
  • Speeding Ticket (16-20 mph over speed limit): $1,434