Cheapest and Best Car Insurance Companies in Evansville, IN
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By, Content Director
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.
Cheapest and Best Car Insurance in Evansville, IN
Cheapest Minimum Liability Car Insurance in Evansville
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.
Cheapest Full Coverage Car Insurance in Evansville
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.
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Cheapest Car Insurance in Evansville After a Driving Offense
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.
Cheapest Car Insurance in Evansville for Teens and Their Families
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.
Cheapest Car Insurance in Evansville for Military Drivers
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.
How to Compare Cheap Evansville Car Insurance Quotes Online
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.
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Best Car Insurance in Evansville: Summary
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.
Best Overall Car Insurance in Evansville
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.
How was this MoneyGeek score calculated?
Perfect scores in affordability and coverages.
Offers optional gap insurance coverage.
Provides original equipment manufacturer (OEM) coverage.
Low claims experience rating.
American Family is a leading car insurance provider known for its comprehensive coverage options and personalized customer service. It offers helpful coverages, like gap insurance, original equipment manufacturer (OEM) coverage and auto death indemnity coverage.
Gap insurance helps bridge the gap between the amount you owe on your car and the cost to replace it with a brand-new one, providing valuable financial protection in the event of a total loss.
OEM coverage is an add-on for car insurance that guarantees the use of manufacturer-approved parts in the event of a covered repair. This ensures the quality and compatibility of parts used to maintain your vehicle.
Auto death indemnity coverage covers death or specific injuries from a vehicle collision, regardless of who is responsible for the accident.
In addition to offering useful coverages, American Family scored well for customer satisfaction, according to J.D. Power’s customer satisfaction survey and the National Association of Insurance Commissioners’ customer complaint list. Insurance providers who score highly for this ranking offer good customer service. Drivers who prefer working with a representative can feel confident they’ll get a hassle-free experience.
Best Car Insurance in Evansville for Customer Service
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.
How was this MoneyGeek score calculated?
Excellent customer service rating.
Offers roadside assistance and optional gap insurance.
Limited coverage options.
No accident forgiveness coverage.
No new car replacement coverage.
Westfield is known for exceptional customer service, providing policyholders with reliable support and guidance. Whether you're looking for coverage options or have questions about your policy, Westfield's knowledgeable and friendly staff are dedicated to ensuring you receive the best possible service. However, while Westfield does provide excellent customer service, its coverage options are somewhat limited.
This insurer offers roadside assistance. Westfield provides its policyholders the option of adding 24/7 Roadside Assistance for peace of mind. Westfield also offers the option of adding gap insurance for financial security in case of an accident. If your car is totaled, gap coverage covers the difference between the amount owed on your car and its replacement cost.
However, Westfield has a limited number of coverage options, especially compared to some of the bigger national insurance providers. Westfield does not offer accident forgiveness — this means that you’ll be on the hook for any potential premium increases if you’re involved in an at-fault accident. Westfield also doesn’t offer new car replacement. Since the value of cars depreciates quickly, new car replacement coverage guarantees you’ll be able to replace your car with the same make and model if it’s totaled in an accident.
Best Cheap Car Insurance in Evansville
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.
How was this MoneyGeek score calculated?
An affordable minimum coverage policy costs $278 annually.
Offers bundling, multi-car and responsible payment discounts.
High scores for affordability and coverages.
Doesn’t offer defensive driving or driver’s education discounts.
Average claims experience score.
Auto-Owners Insurance is a reputable insurance company that scores high in affordability and offers comprehensive coverage options for drivers in different states across the U.S. In Evansville, IN, this provider offers an affordable annual premium cost of $278. Drivers can also potentially lower their premiums even more by bundling their auto insurance with another type of insurance, such as homeowner's or renter’s insurance under the same provider, in addition to taking advantage of other discounts.
For example, Auto-Owners Insurance also offers good student, multi-car and safe driving discounts, which are all commonly offered by car insurance companies. In addition to these, Auto-Owners Insurance provides a broad range of more unique opportunities to save through airbag, anti-theft system, distant student, paperless billing, honing device and responsible payment discounts.
Average Cost of Car Insurance in Evansville
The average cost of full coverage auto insurance in Evansville is $801 per year.
- $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.
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