Anderson Auto Insurance Rates, Quotes, Agents & Reviews in IN

Anderson, IN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Anderson, IN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Find the Best Auto Insurance Cost In Anderson, IN

In Anderson, IN, the average cost of vehicle insurance is $1136. Auto insurance premiums vary greatly depending on individual rating variables, which Zimlon delves into further below. The cheapest form of auto insurance a person can have depends on their age and location when obtaining it, as well as other criteria imposed by state law or any firm they may be purchasing from with a range of rates.

Examine the factors and discounts accessible in Anderson, IN in the table below.

Costs for Multi-Car Insurance 

Anderson car owners might save money on insurance by purchasing multiple policies from the same company. Bundled rates are less expensive because your policies and claims are handled by one firm rather than many organisations. The following are some examples of average savings:

find_the_best_auto_insurance_cost_in_anderson_in

Based on the driver's age 

Teenagers and young drivers have higher insurance rates because they are perceived as more careless behind the wheel. In Anderson, minors pay $3686 on average for auto insurance, compared to $1124 and $1082 for older persons 30-40 years old. Car owners in Anderson can save money on their insurance by comparing age-based policies and taking advantage of discounts such as the good student/driver discount or defensive driving.

Depending on your credit score 

Car insurance may be less expensive for those with good credit and a clean driving record. According to Zimlon's research, if you are a "excellent" driver with a score of 800 or higher, your average annual premium in Anderson is $975; however, if you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, your premiums will shoot up to $1184. In other words, car owners with good credit pay less than the average insurance cost, and car owners with bad credit spend up to $1853 in premiums.

Based on security features 

Cars with safety features not only safeguard the vehicle and its occupants, but they can also save money. Car insurance firms will offer discounts to road safety advocates who install as many safety features as possible on their vehicles. Depending on the type or amount of protective features installed, cost savings will vary. According to Zimlon's research, automobile owners in Anderson can save $1056 on auto insurance by installing passive disabling devices. In Anderson installing features such as an audible alarm or an active disabling device can lower insurance prices to $1091. The average cost of insurance for cars equipped with active tracking systems is $1068.

Factors that can influence the cost of car insurance in Anderson, IN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Anderson, IN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Anderson, IN with that of other cities in and around Anderson.

Anderson Chesterfield Woodlawn Heights River Forest Edgewood Madison County
Average Insurance Rates $1,136 $1,456 $1,664 $1,269 $1,275 $1,153

Anderson, IN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Anderson, IN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Anderson $1,536 $1,297
Woodlawn Heights $1,522 $1,286
Country Club Heights $976 $825
River Forest $1,362 $1,150
Edgewood $1,492 $1,261
Chesterfield $1,428 $1,206
Madison County $2,737 $2,312
Stony Creek $1,700 $1,436

Anderson, IN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Anderson, IN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,686
20 Years $1,460
30 Years $1,124
40 Years $1,082
50 Years $1,002
60 Years $1,016
70 Years $1,182

Anderson, IN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Anderson, IN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,954 $318
3 Vehicles $2,931 $477
4 Vehicles $3,908 $636

Savings on 2 Vehicles bundle:$318

Savings on 3 Vehicles bundle:$477

Savings on 4 Vehicles bundle:$636


Anderson, IN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Anderson, IN.

Location Average Insurance Cost Post DUI Insurance Rate
Anderson $1,136 $1,758
Woodlawn Heights $1,664 $2,575
Country Club Heights $1,277 $1,976
River Forest $1,269 $1,964
Edgewood $1,275 $1,973
Chesterfield $1,456 $2,253
Madison County $1,153 $1,784
Stony Creek $1,175 $1,818

Anderson, IN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $975
Excellent (740-799) $1,113
Good (670-739) $1,184
Average (580-669) $1,544
Poor (300-579) $1,853

Anderson, IN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$50 $1,186
Driver's Failure In Showing Documents +$110 $1,246
Driving With An Expired Registration +$117 $1,253
Driving At A Considerably Slow Pace +$247 $1,383
Using A Cellphone While Driving +$260 $1,396
Running A Red Light +$265 $1,401
Speeding +$278 $1,414
Driving A Vehicle Without The Required Permission +$353 $1,489
Driving With An Expired/Suspended License +$766 $1,902

Anderson, IN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,091
Active Disabling Device $1,091
Tracking Device $1,068
Passive Disabling Device $1,056

Latest Auto Insurance Reviews in Anderson, IN | Back to Top

State Farm
I bundle with my homeowner's insurance and I have no complaints what so ever on either end.My agent is amazing and is so responsive. He makes it feel very personalized.
Progressive
I always recommended Progressive to others. I have found them to be the best overall.