Cheapest and Best Car Insurance in Evansville, IN (2024)


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In Evansville, Indiana, Auto-Owners offers the cheapest minimum coverage car insurance. American Family is the most affordable for full coverage and provides the best value between price and service. GEICO may be the most cost-effective option for families with teens. Westfield leads for customer service. The ideal choice will depend on your coverage needs and preferences.

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2024

Cheapest and Best Car Insurance in Evansville

Why Trust MoneyGeek? We analyzed 39,388 quotes in Indiana from 13 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for CITY insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Evansville, IN, as of July 2024.

39,388Quotes Analyzed
 
13Companies Compared

Cheapest Minimum Coverage Car Insurance in Evansville

MoneyGeek found that Auto-Owners is the cheapest car insurance option in Evansville, ideal for drivers concerned about costs.

  • Auto-Owners: $289 per year
  • American Family: $335 per year

Farmers has the most expensive minimum coverage policy at $693 per year. That's a $404 difference from Auto-Owners, demonstrating why it's crucial to compare prices when looking for car insurance to ensure you're getting a good deal.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Auto-Owners Insurance Co$289$24
American Family$335$28
Westfield$350$29
Progressive$367$31
Travelers$429$36
Grange Insurance$439$37
GEICO$454$38
Indiana Farm Bureau$517$43
State Farm$530$44
Nationwide$534$45
Allstate$590$49
Farmers$693$58

State Minimum Liability Requirements

For cities in Indiana, state law mandates car insurance coverage minimums. These are the required limits:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage liability per accident

Suppose you cause an accident, and the other driver's injuries total $30,000. Your minimum coverage policy will cover up to $25,000 for their injuries. If costs exceed these limits, you'd be responsible for the difference out of your pocket.

Cheapest Full Coverage Car Insurance in Evansville

MoneyGeek found that American Family offers the cheapest full coverage car insurance in Evansville.

  • American Family: $640 per year
  • Auto-Owners: $647 per year

State Farm has the most expensive full coverage policy in Evansville, with an annual rate of $1,174 — a significant $534 difference from the cheapest option. This rate gap emphasizes the importance of shopping around, especially since full coverage policies include comprehensive and collision insurance, making them pricier than minimum coverage plans.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American Family$640$53
Auto-Owners Insurance Co$647$54
Progressive$777$65
Travelers$845$70
GEICO$846$70
Westfield$891$74
Grange Insurance$915$76
Nationwide$1,013$84
Allstate$1,023$85
Indiana Farm Bureau$1,153$96
Farmers$1,161$97
State Farm$1,174$98

Do You Need Full Coverage in Indiana?

With full coverage car insurance, policyholders benefit from the inclusion of both comprehensive and collision insurance:

  • Collision Insurance: This insurance covers damages to your vehicle from a collision with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This form of coverage is designed to handle the cost of damages to your vehicle from non-collision-related events like theft, vandalism, fires, natural disasters or being hit by an animal like a deer.

For owners of new vehicles, securing full coverage insurance is advisable to protect the substantial investment. For those with older car models, the additional expense of potentially hundreds of dollars may surpass the benefits. When determining how much car insurance you need, it’s essential to weigh the increased cost of higher coverage against the danger of being underinsured.

Cheapest Car Insurance in Evansville After a Driving Offense

MoneyGeek found that Auto-Owners is the most affordable full coverage option in Evansville for drivers with a poor driving history. These companies offer the lowest rates:

  • Speeding Ticket: Auto-Owners ($804 per year)
  • At-Fault Accident: Auto-Owners ($844 per year)
  • DUI: American Family ($820 per year)

The most expensive rates for these offenses vary, with Westfield charging the highest annual premium of $2,427 after a DUI. The $16 difference between the cheapest annual rate after a speeding ticket and the cheapest annual rate after a DUI shows that the severity of the offense can influence car insurance rates. However, you can still find competitive rates in Evansville.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Auto-Owners Insurance Co$804$67
American Family$820$68
Westfield$1,058$88
Travelers$1,187$99
Progressive$1,188$99
Allstate$1,242$103
State Farm$1,283$107
Nationwide$1,313$109
GEICO$1,326$111
Grange Insurance$1,399$117
Indiana Farm Bureau$1,435$120
Farmers$1,540$128

In Evansville, insurance premiums increase with the severity of your driving offense. For instance, drivers with a speeding ticket pay an average annual rate of $1,630, while those with a DUI face an average annual cost of $2,266 — a $636 difference. This disparity illustrates why drivers with infractions should compare insurance rates to optimize savings and manage expenses effectively. It's crucial for these drivers to research and find the most financially advantageous insurance options to mitigate the impact of higher premiums due to their driving record.

Cheapest Car Insurance in Evansville for Teens and Their Families

MoneyGeek found that GEICO offers the cheapest car insurance for teens in Evansville. These are the top two least expensive companies:

  • GEICO: $1,748 per year for female teens; Allstate: $1,847 per year for male teens
  • Nationwide: $1,777 per year for female teens; GEICO: $1,914 per year for male teens

These premiums reflect the cost of family policies covering two parents and a teenage driver. The most expensive option in Evansville for teen family policies is Auto-Owners, with rates of $2,884 for female teens and $3,008 for male teens. The significant gap of $1,136 between the cheapest and most expensive annual rates for females illustrates the importance of comparing quotes, especially since adding a teenager to a policy can increase premiums due to their higher risk profile.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICO$1,748$5,315
Nationwide$1,777$3,920
Allstate$1,847$5,096
Progressive$1,867$3,458
State Farm$1,914$2,518
Travelers$2,038$4,234
Farmers$2,039$6,063
Auto-Owners Insurance Co$2,884$2,641

In Evansville and other U.S. cities, teenage drivers seeking car insurance will find dramatically different premiums depending on how they purchase their policy. An individual policy for a teen costs roughly $4,755 per year; being added to a family plan could significantly reduce that figure to an average of $2,246 per year. Insurers typically quote higher rates to teens on independent policies due to their inexperienced driving and higher risk of accidents. Teens may face challenges obtaining approval for an individual policy, as underwriters often require the demonstrated financial stability and driving history that many young drivers lack. Joining a family plan is a more cost-effective and feasible option for teens seeking coverage.

Cheapest Car Insurance in Evansville for Military Drivers

MoneyGeek found that USAA provides the cheapest car insurance for military backgrounds in Evansville. These are the most affordable options:

  • USAA: $599 per year
  • American Family: $640 per year

USAA offers specialized services to address the unique needs of active-duty military members, making it an excellent choice for military families.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAA$599$50
American Family$640$53
Auto-Owners Insurance Co$647$54
Progressive$777$65
Travelers$845$70
GEICO$846$70
Westfield$891$74
Grange Insurance$915$76
Nationwide$1,013$84
Allstate$1,023$85
Indiana Farm Bureau$1,153$96
Farmers$1,161$97
State Farm$1,174$98

How to Compare Cheap Evansville Car Insurance Quotes Online

Comparing car insurance rates in Evansville can lead to significant savings. However, evaluating three or more options can take over an hour.

MoneyGeek's car insurance calculator streamlines this process by highlighting the significant factors influencing premiums in Evansville. Prospective policyholders need to input key details such as age, driving history, credit score and preferred coverage level to receive an immediate estimate.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Dec 05, 2024

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Best Car Insurance in Evansville: Overview

Selecting the right auto insurance depends on your preferences for service, cost and coverage. MoneyGeek's unique evaluation criteria have identified the best car insurance providers in Evansville for varying needs:

  • Best overall: American Family (MoneyGeek score 88 out of 100)
  • Best for service: Westfield (MoneyGeek score 90 out of 100)
  • Best cheap: Auto-Owners (MoneyGeek score 90 out of 100)

With three different winners across the categories, consumers have distinct options. American Family offers a well-rounded option, excelling in service and affordability, while Westfield is the leading choice for those prioritizing premium service. Auto-Owners is ideal for budget-conscious individuals, delivering substantial value without compromising service. Each company leads in its respective category, catering to the varied preferences of Evansville's insurance consumers.

Overall Best Car Insurance in Evansville

MoneyGeek found that American Family offers the best car insurance in Evansville.

  • American Family: MoneyGeek score of 88 out of 100 ($640 per year)
  • Auto-Owners: MoneyGeek score of 86 out of 100 ($647 per year)

American Family achieves its stellar position with top marks in satisfaction and affordability, which are the most significant aspects contributing to its outstanding MoneyGeek score, specifically for full coverage policies. Its consistency in these key areas ensures customers receive excellent value and service.

Company logo for American Family Insurance
Best OverallAmerican Family Insurance
MoneyGeek Score:
88/ of 100

Overview

American Family's stellar MoneyGeek score is mainly due to top-notch affordability and satisfaction ratings, ensuring great value and contentment for customers. Its policy offerings include the two most common car insurance coverages — roadside assistance and rental car and/or travel reimbursement — positioning it as a particularly resourceful insurer. Customers can enjoy peace of mind with accident forgiveness, a coverage that prevents rates from surging after the first at-fault accident.

American Family also offers rare but valuable options such as original equipment manufacturer (OEM) coverage, which ensures the use of original parts in car repairs, preserving vehicle integrity and value. Auto death indemnity coverage provides a layer of financial security, offering a benefit in the event of a covered fatality. With all factors considered, American Family delivers on essential aspects and is an outstanding choice for insurance seekers.

Best Car Insurance in Evansville for Customer Service

MoneyGeek found that Westfield is the best option in Evansville for top-tier car insurance customer service, setting the standard in the industry based on general satisfaction, claims handling and coverages, without considering cost.

  • Westfield: MoneyGeek score of 90 out of 100 ($891 per year)
  • American Family: MoneyGeek score of 84 out of 100 ($640 per year)

Westfield distinguishes itself through superior customer satisfaction and an exceptional claims process, as highlighted by its outstanding MoneyGeek scores. The company provides customers with robust coverage options and peace of mind from a stable insurance provider. These factors bolster Westfield's reputation as the premier choice for car insurance in Evansville.

Company logo for Westfield
Best for Customer ServiceWestfield
MoneyGeek Score:
90/ of 100

Overview

Westfield's high MoneyGeek score is supported by its exceptional satisfaction and claims handling, ensuring peace of mind for its policyholders. The company provides rental car and/or travel reimbursement and roadside assistance, making it a top choice for those seeking the most common coverages.

Westfield also offers gap insurance, a valuable option for drivers who lease or finance their vehicles. It covers the difference between the car's value and the balance owed in the event of a total loss. Its coverage package is particularly beneficial, bundling home and auto coverages for more protection and savings. By opting for Westfield, drivers enjoy comprehensive protection and unparalleled customer satisfaction.

Best Cheap Car Insurance in Evansville

MoneyGeek found that Auto-Owners is the leading choice for affordable car insurance in Evansville. It boasts the highest MoneyGeek score and offers a mix of budget-friendly rates and consistent customer satisfaction.

  • Auto-Owners: MoneyGeek score of 90 out of 100 ($289 per year)
  • Westfield: MoneyGeek score of 89 out of 100 ($350 per year)

Auto-Owners stands out for its exceptional affordability, top-tier claims handling and customer satisfaction, making it the clear frontrunner for a minimum coverage policy. Its outstanding overall performance puts it in the lead for those seeking insurance that balances cost with quality service.

Company logo for Auto-Owners Insurance
Best Cheap CompanyAuto-Owners Insurance
MoneyGeek Score:
90/ of 100

Overview

Auto-Owners tops the ranks with perfect scores in affordability and claims, factors which significantly contribute to its outstanding MoneyGeek score. With an average annual premium of $289, the average driver pays little each year for minimum coverage. Auto-Owners demonstrates a comprehensive approach to discounts by offering the most common types: bundling, multiple car, safe driving and good student.

Average Cost of Car Insurance in Evansville

The average car insurance cost in Evansville, Indiana, is $941 per year. Compared to the Indiana state average of $918, Evansville residents are paying slightly more for their premiums. The Indiana state average is lower by $863 than the national average of $1,781, suggesting a more favorable rate for Hoosier State drivers.

Car insurance premiums are influenced by various factors, including driving history, age, vehicle type and coverage levels. However, location remains a significant factor. The cost of insuring a vehicle is considerably affected by the likelihood of accidents, theft, and vandalism, which are influenced by an area's traffic density and crime rates. South Bend is the city with the cheapest car insurance in Indiana, with a premium of $889 per year. Indianapolis is the most expensive at $1,013 per year. This $124 difference highlights the significant role location plays in determining insurance rates. Non-city areas with reduced traffic density could have even more competitive insurance rates.

Evansville$941
Fort Wayne$892
Indianapolis$1,013
South Bend$889

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.