Cheapest and Best Car Insurance Companies in Evansville, IN

Drivers in Evansville looking for the cheapest minimum coverage should consider Auto-Owners Insurance, which also offers the best blend of service and affordability.

For full coverage, American Family offers the most affordable premiums. Military members and their families will get the best deal with USAA, and families with young drivers should consider GEICO for the cheapest car insurance for teens on a family policy.

Premiums may vary depending on your driving profile and needs.

The cheapest car insurance companies for a minimum coverage policy in Evansville, Indiana:

• Auto-Owners Insurance: $278 per year
• State Farm: $316 per year

Allstate has the most expensive minimum auto insurance coverage in the city. Carrying a liability-only policy through Allstate costs Evansville drivers $701 per year.

Auto-Owners Insurance also offers the cheapest car insurance in Indiana for minimum coverage as of October 2022, with an annual average cost of $240 — $38 less than in Evansville. Your location factors into your insurance premiums, as insurance providers consider issues like crime rates and natural disasters in your area. Premiums may be higher in areas with high incident rates.

In Indiana, minimum coverage policies only cover bodily injury liability and property damage liability with the following amounts:

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

With a liability-only policy, your insurance provider will only cover up to your per-accident limit for damages you cause to other drivers, potentially leaving you on the hook for additional costs. For example, if you’re involved in an at-fault car accident and the other driver incurs $60,000 in medical expenses, your insurance would cover $50,000, leaving you responsible for the remaining $10,000.

The cheapest car insurance providers for a full coverage policy in Evansville are:

• American Family: $598 per year
• Auto-Owners Insurance: $658 per year

Allstate has the most expensive full coverage premiums in the city. Its annual premium costs $1,008.

In addition to offering the most affordable full-coverage policy in Evansville, American Family is also the cheapest insurance provider for full coverage in Indiana at $552 per year as of October 2022. Drivers in Evansville will pay slightly more for the same full coverage policy through American Family. Since insurance providers consider several factors — like crime rates — your location can impact your premium rate.

A full coverage policy provides more substantial protection from financial loss than a minimum coverage policy. In addition to liability coverage, full coverage policies include comprehensive and collision coverage:

• Collision Insurance: Insures your vehicle after a collision with another vehicle or object.
• Comprehensive Insurance: Insures in instances of non-collision damages, including theft, natural disasters, vandalism, fire and more.

The higher cost of repairing newer cars typically offsets the higher cost of full coverage premiums. However, considering a minimum coverage policy may make sense as your vehicle ages and the cost of replacing it is cheaper than full coverage policy premiums.

The cheapest car insurance companies after driving violations in Evansville are:

• Speeding ticket: State Farm ($737 per year)
• At-fault accident: American Family ($801 per year)
• DUI: American Family ($764 per year)

The most expensive car insurance for drivers with a speeding ticket is Grange Insurance at $1,334 per year. Drivers with a DUI could pay as much as $2,062 through Westfield, the most costly provider in this category. Westfield also offers the most expensive insurance for drivers with at-fault accidents at $1,711 annually.

Insurance companies consider various factors when determining insurance premiums, including driving records. While more serious offenses carry the highest premium spikes, drivers with minor offenses may still see higher rates than those with clean driving records.

As drivers incur more significant offenses on their record, insurance premiums tend to increase. Drivers in Evansville with a DUI could pay $764 per year for full coverage, compared to $737 per year for a driver with a speeding ticket. Some insurance providers charge much higher premiums for driving record violations. Nevertheless, getting the cheapest car insurance for a poor driving record is essential for ensuring financial protection in the future.

The most affordable car insurance providers for teens on a family policy in Evansville, IN are:

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

At $2,884 for female teens and $3,008 for male teens, Auto-Owners Insurance is the most expensive auto insurance for teens on a family insurance policy. Generally, male teens are often considered higher risk by insurance providers, which is why they tend to cost more to insure than female teens.

In many cases, adding a teen driver to a family policy is more cost-effective than purchasing an individual policy. Family policies often come with more favorable rates and discounts, especially for multiple-vehicle households.

For example, you could save $2,312 annually by opting for a family policy with a male teen driver. When buying cheap car insurance for teens, it's important to consider all your options and understand the factors that impact insurance premiums.

The cheapest car insurance for current or former military members and their families in Evansville:

• USAA: $474 per year
• American Family: $598 per year

Drivers looking for a minimum coverage policy should consider USAA and Auto-Owners Insurance, the two more affordable providers of minimum coverage for military members. USAA charges $203 per year, while Auto-Owners Insurance charges $278 per year for minimum coverage.

Searching for car insurance quotes in Evansville, IN, can be overwhelming. Drivers often spend 15 minutes (or longer) inputting extensive information just to get a single provider quote.

MoneyGeek makes it easy to find the right car insurance policy faster. Our car insurance calculator can help you quickly estimate your yearly premiums based on basic information like your age, car model, preferred coverage level and driving record.

Finding your ideal car insurance coverage depends on how much weight you give to factors like cost, coverage options and the level of customer service you expect from your insurance provider.

The best car insurance providers in Evansville, IN, are:

• Best overall: American Family (MoneyGeek score of 80 out of 100)
• Best for service: Westfield (MoneyGeek score of 68 out of 100)
• Best cheap: American Family (MoneyGeek score of 84 out of 100)

In addition to being the best insurance provider in Evansville, MoneyGeek found that American Family was also the best car insurance in Indiana.

The best car insurance companies in Evansville are:

• American Family: MoneyGeek score of 80 out of 100 ($598 per year)
• Auto-Owners Insurance: MoneyGeek score of 77 out of 100 ($658 per year)

American Family received perfect scores in affordability and coverages. Auto-Owners Insurance also ranked high in both of these areas. Selecting a car insurance company that offers peace of mind and protection is crucial. Balancing overall experience with coverage options can ensure you find the right provider.

Excluding cost, the best companies for customer service in Evansville:

• Westfield: MoneyGeek score of 68 out of 100 ($741 per year)
• Auto-Owners Insurance: MoneyGeek score of 66 out of 100 ($658 per year)

Westfield scored well in customer satisfaction and claims experience, while Auto-Owners Insurance scored high for customer service and coverage options. Although Westfield is somewhat expensive compared to other providers in Evansville, Auto-Owners Insurance has the second-lowest premiums in the state in addition to being the second-best provider for customer service. Good service isn’t always expensive.

Based on affordability and customer service quality, the best insurance companies for a minimum coverage policy in Evansville are:

• Auto-Owners Insurance: MoneyGeek score of 84 out of 100 ($278 per year)
• Westfield: MoneyGeek score of 80 out of 100 ($321 per year)

Minimum coverage policies offer low insurance rates but minimal protection. These policies do not cover damages to your vehicle in the event of an accident. You may also be financially responsible for damages and bodily injury to other drivers (and their passengers) if costs after an accident exceed your policy’s limits.

The average cost of full coverage auto insurance in Evansville is $801 per year.

This includes:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage liability per accident

The city’s average car insurance cost is $24 more expensive than the average full coverage cost in Indiana as of October 2022. The national average car insurance premium costs $1,265 annually, or $487 more than the average premium in Indiana. These rates show that location can significantly impact your insurance premiums.