Best cheap car insurance in Evansville for 2021

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The average cost of car insurance in Evansville, Indiana, is $428 per year for minimum coverage and $1,308 per year for full coverage. The Hoosier State is ranked 17th in the U.S. for the most drivers, with about 4.6 million drivers reported in 2021. Indiana also had 330,000 in 2019 with an active driver’s license suspension, prompting new legislation to help residents get behind the wheel again.

To find the best car insurance companies in Evansville, we consider several criteria. Our methodology includes a deep dive into the type of car insurance policies available, pricing, discounts and customer satisfaction. Based on our in-depth analysis, these are the best cheapest car insurance companies in Evansville for 2021.

Best car insurance companies in Evansville

Several of the largest auto insurance companies in the U.S. also provide coverage in Evansville, but they are far from the same. Price can fluctuate greatly between providers for both minimum liability coverage and full coverage auto insurance. Also important are the customer satisfaction ratings from J.D. Power & Associates, which rates overall customer service on an annual basis. These five companies provide among the best pricing with above-average customer satisfaction in the North Central region for your new car insurance quote.

Insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
USAA 897 / 1000 $258 $888
Grange 832 / 1000 $295 $916
Westfield 836 / 1000 $309 $1,154
Geico 851 / 1000 $331 $1,133
Auto-Owners 845 / 1000 $352 $1,126

USAA

USAA is among the best picks for military and veteran families looking for insurance as it is exclusive to members of the military and their eligible family members. J.D. Power consistently rates USAA highly for customer service, and USAA offers the cheapest car insurance in Evansville on average. The provider offers several add-on coverages, such as roadside assistance, rental reimbursement, and accident forgiveness. You may be eligible save money with extra car insurance discounts from low annual mileage, vehicle storage and military installation discounts for when you keep your car on-base.

Grange

Grange is a potential pick for multi-faceted coverage, including original equipment manufacturer coverage and full glass repair, plus coverage for pet injuries and mobile devices. There is also coverage for identity theft, loan/lease gap insurance, roadside assistance and its OnTrack app, which can give you up to 25% off when you let the app monitor your driving over a 90-day period. Grange offers additional ways to lower your car insurance with many discounts in categories such as bundling, payment options and organizational.

Westfield

In addition to standard coverage like collision and comprehensive coverage, Westfield also offers medical payments and personal injury protection. With its signature Wespak policy, you can bundle your home and car insurance for competitive pricing with gap coverage, trip protection and replacement cost coverage. You also have the option to bundle other types of coverage like uninsured/underinsured motorist, motorcycle insurance and RV insurance. Westfield also offers farm insurance and business insurance.

Geico

Geico is known across the U.S. for affordability, plus it receives a perfect A++ (Superior) rating for financial stability from AM Best. With excellent mobile tools to help, filing a claim is easy, and getting paid can be a much speedier process than with other car insurance companies. Coverage options include personal injury protection (PIP), emergency road service and mechanical breakdown insurance. There are also plenty of ways to lower your car insurance premiums with discounts that include anti-lock, anti-theft, defensive driving, good student, bundle discounts and safe driving.

Auto-Owners

Auto-Owners offers a lot of options when you want customized coverage including protections like new car replacement, rental car coverage, additional expense and diminished value coverage. For even more protection, there is the option of a common loss deductible and rental car coverage. Auto-Owners has its exclusive Collision Coverage Advantage, which waives your deductible when you are in an accident with another car insured by Auto-Owners. You might also save money with payment discounts for early signing, full payment, loyalty and low annual mileage. Good students and drivers with green vehicles may also earn special savings.

Cheapest car insurance in Evansville

Indiana is far from the most expensive state in the U.S. It is about 2% less per year than the average national cost of auto insurance. While the average cost of car insurance in the U.S. is $1,674 per year, Indiana Hoosiers only pay an average of $1,254 per year. You could pay even when you get a car insurance quote from one of the cheapest carriers in Evansville.

To find the best carriers in Evansville, we evaluated factors such as policy offerings, pricing, discounts, customer satisfaction and mobile support. These are the best carriers who offer the cheapest car insurance in Evansville.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $258 $888
Geico $331 $1,133
Auto-Owners $352 $1,126
Erie $370 $1,085
State Farm $390 $1,009

Note: These premiums reflect 12 months of coverage

Evansville insurance requirements

In Indiana, there is a minimum amount of coverage you need to cover for your car insurance:

  • Bodily injury liability: $25,000 per person and $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist bodily Injury: $25,000 per person and $50,000 per accident
  • Uninsured motorist property damage: Minimum of $25,000 per accident
  • Underinsured motorist bodily injury: Minimum of $50,000 per person and $50,000 per accident

Drivers have the option to waive uninsured and underinsured motorist coverages in writing. Many people consider more than the minimum coverage for your vehicle. If you are ever in a bad accident, the losses could be more than you can afford and lead to severe consequences. If you lease or finance your vehicle, you will likely be required to cover more than just the state minimum insurance.

Car insurance discounts in Evansville

There are several types of car insurance discounts potentially available for Evansville drivers:

  • Payment discounts: These discounts include savings for policies paid-in-full, early signing and online quotes.
  • Driver discounts: Hoosiers may earn discounts for military members, safe drivers, defensive driving, students and even some employers and organizations.
  • Bundle discounts: You might save money by insuring multiple policies with the same provider, such as your car insurance, renters insurance, homeowners insurance, condo insurance and mobile/manufactured home insurance.
  • Family discounts: You can receive multi-policy and multi-vehicle discounts when you get the whole family involved, adding your spouse and teens to your policy.

Frequently asked questions

How much does car insurance in Evansville cost?

The average cost of car insurance in Evansville, Indiana is $428 per year for minimum coverage and $1,308 per year for a full coverage policy.

How much car insurance do I need in Evansville?

Drivers in Evansville must carry the minimum amount of coverage required in Indiana, including bodily injury liability of $25,000 per person and $50,000 per accident, property damage liability of $25,000 per accident, and uninsured motorist bodily Injury of $25,000 per person and $50,000 per accident. Drivers may waive in writing the required coverage for uninsured motorist property damage of $25,000 per accident and underinsured motorist bodily injury of $50,000 per person and $50,000 per accident.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Lena Borrelli
Insurance Contributor
Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as allconnect, Healthline and Reviews.com. She previously worked for Morgan Stanley.