Best Evansville, IN Auto Insurance in 2024 (Check Out the Top 10 Companies)

The best auto insurance in Evansville, IN, comes from State Farm, Geico, and Progressive. State Farm stands out with rates starting at just $70 a month.. These companies offer affordable prices, reliable coverage, and great service, along with discounts and flexible options for all types of drivers.

Our Top 10 Company Picks: Best Evansville, IN Auto Insurance

Progressive’s Snapshot program provides discounts for safe drivers, while State Farm’s Drive Safe & Save program rewards drivers for safe driving habits. Find the best auto insurance company near you by entering your ZIP code into our free quote tool.

#1 – State Farm: Top Overall Pick

Pros

• Good Coverage Options: State Farm has solid coverage choices, which are perfect for Evansville owners.
• Affordable Rates for Evansville: Basic coverage rates start at $72 per month. For expert tips, see our “State Farm Auto Insurance Review” guide.
• Local Support: State Farm’s strong agent network means you get helpful, personal Farmers nearby.

Cons

• Lower Discount for BundlingFarmers’lti-policy discount is only 17%, lower than some other companies.
• Can Be Pricey: Some coverage options are expensive, which could be a drawback if you’re on a budget.

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#2 – Geico: Best For Low Rates

Pros

• Affordable Rates: Geico has some of the lowest rates in Evansville, starting at just $70 per month for basic coverage.
• Significant Savings: Bundling your policies can save up to 25%. Read it in our guide, “Geico Auto Insurance Review.”
• Reliable: With an A++ rating, Geico is financially strong and dependable.

Cons

• Online-Only Service: Geico mainly operates online, so it could be better if you like talking to someone in person.
• Basic Coverage: Their basic coverage options might have limited extras or flexibility.

#3 – Progressive: Best for Safe Drivers

Pros

• Safe Driver Discounts: Progressive’s Snapshot program rewards safe for Evansville drivers with lower rates.
• Flexible Coverage: Progressive allows you to customize your coverage to fit your needs. Browse our comprehensive guide, “Progressive Auto Insurance Review.”
• Affordable Rates: Minimum coverage starts at around $75 per month, and there are chances to save even more.

Cons

• Smaller Bundling Discount: Progressive’s bundling discount is only 10% lower than other companies.
• Tracking Required: To get the Snapshot discount, you’ll need to allow Progressive to track your driving, which might not be for everyone.

#4 – Allstate: Best for Accident Forgiveness

Pros

• Safe Driver Discounts: Progressive’s Snapshot program rewards safe for Evansville drivers with lower rates.
• Flexible Coverage: Progressive allows you to customize your coverage to fit your needs. Browse our comprehensive guide, “Progressive Auto Insurance Review.”
• Affordable Rates: Minimum coverage starts at around $75 per month, and there are chances to save even more.

Cons

• Smaller Bundling Discount: Progressive’s bundling discount is only 10% lower than other companies.
• Tracking Required: To get the Snapshot discount, you’ll need to allow Progressive to track your driving, which might only be for some.

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#5 – Farmers: Best for Personalized Coverage

Pros

• Customizable Policies: Farmers lets you tailor your coverage to fit your needs as an Evansville auto owner.
• Good Bundling Discount: You can save up to 20% if you bundle policies with Farmers. For additional knowledge, check out the “Farmers Auto Insurance Reviewi” guide.
• Reliable Financial Stability: With an A rating, you can feel confident in Farmers’ financial strength.

Cons

• Higher Rates: Farmers’ minimum coverage rates start around $90 per month, which might be more expensive.
• Less Advanced Online Tools: Farmers’ online tools aren’t as modern as some other companies, which might be less convenient for some Evansville drivers.

#6 – Nationwide: Best for Safe Drivers

Pros

• Vanishing Deductible Program: nationwide, reduce their deductible over time with their unique reward system.
• Competitive Bundling Discount: Nationwide offers up to 20% off for bundling policies, a notable benefit for Evansville drivers.
• Strong Financial Rating: With an A+ rating, Nationwide gives Indiana drivers confidence in long-term stability. Use our “Nationwide Auto Insurance Review” guide for all the info.

Cons

• Average Rates: Nationwide’s minimum coverage rates in Evansville start around $80.
• Few Local Agents: Nationwide’s agent availability may be limited in certain areas, affecting drivers’ in-person support options.

#7 – Liberty Mutual: Best for Online Tools

Pros

• Easy Online Tools: Liberty Mutual offers user-friendly online tools that make managing your policy quick and accessible from anywhere.
• Big Bundling Discount: You can save up to 25% when you bundle your car insurance with other policies, reducing your costs.
• Flexible Payments: Flexible plans make it easy to manage premiums, which is perfect for Evansville auto insurance. Find out more in our guide, “Liberty Mutual Auto Insurance Review.”

Cons

• Higher Rates: Liberty Mutual’s minimum coverage rates start at $105, which may be higher than other insurance providers.
• Inconsistent Service: Some auto insurance customers have experienced inconsistent customer service, which can be frustrating when you need help.

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#8 – USAA: Best for Military Families

Pros

• Great for Military Families: USAA is ideal for military families and a top choice for the best Evansville, IN, auto insurance. Check out our guide, “USAA Auto Insurance Review.”
• Excellent Customer Service: Regarding the best Evansville auto insurance, USAA stands out for its fantastic customer service and affordable rates.
• Affordable Rates: USAA offers some of the most affordable rates, starting at $65 monthly for minimum coverage. That’s great for those looking to save money while staying covered.

Cons

• Membership Limitations: USAA is only available to military members, veterans, and their families. If you’re not connected to the military, you won’t be able to get coverage with them.
• Limited Bundling Discount: USAA offers a 10% discount for bundling policies, which is lower than other insurance providers in Evansville, IN.

#9 – American Family: Best for Customer Loyalty

Pros

• Customer Loyalty Discounts: American Family offers some of the best loyalty discounts in Evansville, IN. Our guide, “American Family Auto Insurance Review,” offers helpful tips.
• High Bundling Discount: Evansville drivers can save considerably on combined policies with a 25% discount for bundling.
• Financial Stability: An A rating from A.M. Best ensures owners a reliable provider with American Family.

Cons

• Higher Starting Rates: Their minimum coverage is around $85 per month, higher than other options.
• Limited Reach: American Family is only available in some places, so in-person support might only sometimes be an option.

#10 – Travelers: Best for Hybrid Discounts

Pros

• Hybrid Vehicle Discounts: Travelers offers exclusive discounts for drivers with hybrid or electric vehicles.
• Strong Financial Rating: With an A++ rating, Travelers gives driver owners confidence in long-term financial security.
• Bundling Savings: Travelers offers a 13% bundling discount, allowing drivers to save money by combining policies. Learn more with our guide, “Travelers Auto Insurance Review.”

Cons

• Higher Premiums for Basic Coverage: Travelers’ rates for minimum coverage in Evansville, IN, are higher, starting at $88.
• Limited Physical Locations: Travelers may have fewer local offices, limiting in-person service for drivers in some regions.

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Evansville, IN Auto Insurance | Cheap Car Insurance in Evansville, IN

In Evansville, Indiana auto insurance requires 25/50/10 coverage, and luckily, it’s affordable! Farmers, State Farm, and others offer rates starting at $28/month.

Fun fact: This historic steamboat town blends charm with modern growth and great local insurance deals. To find free Evansville, IN auto insurance quotes from significant providers today, provide your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Indiana

Finding the best auto insurance in Evansville, IN, can feel overwhelming, but understanding your options and the minimum car insurance requirements can make the process easier.

Evansville, IN Auto Insurance Monthly Rates by Provider & Coverage Level

This article helps you compare providers like Geico, State Farm, and Progressive to find the best coverage based on your needs and budget, whether you need primary liability or full coverage.

Evansville, IN Report Card: Auto Insurance Discounts

Minimum auto insurance is cheaper but offers limited protection. In Evansville, rates average $100, but with the correct discounts, coverage can be as low as $34.

Evansville, Indiana Cheapest Auto Insurance

If you’re looking for cheap auto insurance companies in Evansville, USAA, Geico, and State Farm offer low rates, but customer service and claims are essential. We’ll cover the five most common claims to guide you.

Evansville, IN Auto Accident & Insurance Claim Statistics

Consider Evansville Insurance on Highway 41 and compare rates online. Companies factor in things like credit score and driving history, so getting multiple quotes can help you save.

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Major Factors in Cheap Car Insurance in Evansville, Indiana

How quickly do insurance policy changes go into effect? Insurance companies consider many factors when setting auto insurance rates in Evansville, IN, including gender and location—which are often hard or impossible to change. Understanding local auto insurance coverage requirements in Evansville ensures your policy meets the necessary standards.

ZIP Code’s Role in Pricing

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra drivers on the road increase the likelihood of an accident! The population of Evansville is 120,310, and the median household income is $32,414..

Automotive Accidents

Evansville has a higher accident fatality rate than other cities in Indiana, which could raise your insurance premiums. Check with your local agent to see if Safe Driver discounts are available.

Evansville, IN Accidents & Claims per Year by City

To save on insurance, contact your local agent about Safe Driver discounts. A clean driving record can help lower your costs.

Evansville Auto Theft Rates

Even in small cities or rural towns, auto theft can still be a problem. To make it less of a problem for you, consider installing a passive anti-theft system on your car. Cheap auto insurance companies in Evansville, Indiana, may reward you with lower rates.

“We need to not only invest in transitioning to a lower-carbon economy, but invest in protecting people, in resilience, and remediation.”

ICYMI: @Allstate CEO Tom Wilson was on Squawk Box last week unveiling our landmark study on the economic benefits of climate preparedness. pic.twitter.com/qbu8mlpsbG

— U.S. Chamber (@USChamber) July 1, 2024

In 2012, there were 420 auto thefts in Evansville, almost double the number in recent years. One good way to protect yourself (although it may be a bit pricey) is to add Comprehensive coverage to your policy.

Credit Score Tips

Finding the best auto insurance in Evansville, IN, can be tough. Factors like credit score, driving history, and local accident trends affect rates. Understanding local accident data helps find affordable, quality coverage.

Evansville, IN Accidents & Claims per Year by City

Your credit score affects insurance rates—better scores mean lower payments. In Evansville, IN, poor credit leads to higher rates. Geico offers affordable coverage at low rates and with discounts.

Age Affects Rates

As you can see, young teenage drivers are charged significantly higher rates. Their youth and lack of driving experience make them much more risky to insure. However, teenage drivers can try to alleviate some of this financial burden by looking into a Good Student discount or taking additional driver education courses.

Your Vehicle Matters

If you drive an affordable car, it’s easier to repair or replace if something happens than an expensive luxury vehicle. You won’t need an extensive insurance policy for a cheaper car.

Marriage and Coverage

Want to know how married couples can save on automobile insurance? By bundling, that’s how. You can get some serious savings when you and your spouse bundle your policies. And if you have other forms of insurance – such as homeowners or renter’s insurance – you can save even more by bundling those.

Insurance by Gender

Evansville, IN Report Card: Auto Insurance Premiums

Whether you’re looking for budget-friendly premiums, excellent customer service, or comprehensive coverage, these companies stand out as the best choices for Indiana motorists.

Your Driving Distance to Work

If you’re commuting to work in Evansville, you’ll likely spend about 16 to 22 minutes on the road each way. Most people, around 80%, like to drive their car since it’s convenient and gives them more flexibility.

However, around 6 to 17% of people prefer carpooling with others, whether it’s to save on gas, reduce their carbon footprint, or enjoy some company during the drive.

Understanding Coverage and Deductibles

You can get additional forms of coverage added to your policy or get covered in more significant amounts and still pay a relatively low rate if you raise your deductible. Remember to put away part of that savings for a rainy day if you ever have to file a claim.

Education Opportunities in Evansville

If you live in Evansville and have a college degree, you could save on car insurance! Many people don’t know this, but your degree might earn you a discount. Plus, if you’re considering returning to school, you’ve got great options in Evansville, like the University of Evansville, the University of Southern Indiana, and Ivy Tech.

Car Insurance Analysis Explained

We based our average rate on a 34-year-old married man with good credit, a clean driving record, and 12 months of insurance. He owns a home, drives the national average yearly, and has a financed 2015 Honda Accord with an anti-theft device.

Sources: Indiana Department of Insurance Indiana Licensing Agency Department of Highway Safety and Motor Vehicles City-Data.com Census.gov

Case Studies: Discovering Perks of Best Evansville, IN Auto Insurance

Choosing auto insurance in Evansville is easier when you see how different options work for real people. Here are three quick examples showing why locals pick State Farm, Geico, and Progressive.

• Case Study #1 — State Farm Personalized Service: Jessica, who lives in Evansville, wanted a local insurance agent she could trust. State Farm’s local agents made it simple to adjust her policy as her family’s needs changed. For Jessica, having a nearby, reliable agent was key.
• Case Study #2 — Geico Low-Cost Coverage: New graduate Brian needed affordable insurance. He compared Allstate and Geico, but Geico offered the lowest rates, keeping him covered and confident on the road. For extra info, head over to our guide, “Allstate vs. Geico: Best Auto Insurance for 2024.”
• Case Study #3 — Progressive Rewards for Safe Driving: Lily, a safe driver, wanted insurance that rewarded her excellent driving. She chose Progressive’s Snapshot program, which tracks driving habits and offers discounts for safe behavior. Thanks to her caution on the road, Lily saw her rates go down, making Progressive a perfect fit.

These stories show how the best Evansville, IN auto insurance providers—State Farm, Geico, and Progressive—offer value, affordability, and rewards for all types of drivers. Ready to find the perfect plan? Get instant insurance quotes from our free comparison tool below.