Evansville, IN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Evansville, 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.
Save Up To $641 on Multi-Car Insurance in Evansville, IN
The average cost of auto insurance in Evansville, IN, is $1,145. Car owners in Evansville can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Evansville.
Driving Record:
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
For instance, post-DUI, the cost of auto insurance in Evansville, can mount up to $1,772 from $1,145. That’s significantly more than the average cost of auto insurance in Evansville. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving.
Discounts for Students:
Teenagers in Evansville pay $3,715 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.
Anti-Theft Discounts:
Car insurers across Arizona offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in Evansville. It can help in saving up to $80.
Multi-Car Insurance:
Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Evansville is $1,969, while the cost of insuring four vehicles under this policy is $3,939. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts.
Factors that can influence the cost of car insurance in Evansville, 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.
- Evansville, IN Auto Insurance Rates
- Evansville, IN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Evansville, IN
- Multi Vehicle Insurance Savings in Evansville, IN
- How Credit Score Affects Car Insurance Rates in Evansville, IN
- How DUI Affects Auto Insurance Premiums in Evansville, IN
- Top Auto Insurance Agents Near Evansville, IN
- How Driving Violations Affect Auto Insurance Rates in Evansville, IN
- Evansville, IN Auto Insurance Discounts on Anti Theft Feature
- Evansville, IN Auto Insurance Company Reviews
Evansville, IN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Evansville, IN with that of other cities in and around Evansville.
| Evansville | Darmstadt | Pigeon | Vanderburgh County | Melody Hill | Knight | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,145 | $1,262 | $1,454 | $1,180 | $1,206 | $1,495 |
Evansville, 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 Evansville, 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) |
|---|---|---|
| Evansville | $1,455 | $1,229 |
| Pigeon | $1,292 | $1,091 |
| Knight | $1,238 | $1,046 |
| Melody Hill | $935 | $790 |
| Vanderburgh County | $1,471 | $1,242 |
| Darmstadt | $1,600 | $1,351 |
| Ohio | $1,479 | $1,249 |
| Newburgh | $1,522 | $1,286 |
Evansville, IN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Evansville, 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 | $3,715 |
| 20 Years | $1,471 |
| 30 Years | $1,133 |
| 40 Years | $1,090 |
| 50 Years | $1,010 |
| 60 Years | $1,024 |
| 70 Years | $1,192 |
Evansville, IN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Evansville, 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 | $1,969 | $321 |
| 3 Vehicles | $2,954 | $481 |
| 4 Vehicles | $3,939 | $641 |
Savings on 2 Vehicles bundle:$321
Savings on 3 Vehicles bundle:$481
Savings on 4 Vehicles bundle:$641
Evansville, 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 Evansville, IN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Evansville | $1,145 | $1,772 |
| Pigeon | $1,454 | $2,250 |
| Knight | $1,495 | $2,313 |
| Melody Hill | $1,206 | $1,866 |
| Vanderburgh County | $1,180 | $1,826 |
| Darmstadt | $1,262 | $1,953 |
| Ohio | $1,221 | $1,889 |
| Newburgh | $1,200 | $1,857 |
Evansville, 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) | $982 |
| Excellent (740-799) | $1,121 |
| Good (670-739) | $1,193 |
| Average (580-669) | $1,557 |
| Poor (300-579) | $1,868 |
Evansville, IN Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Schultheis Insurance Agency, Inc. | None | 32 N Weinbach Ave, Evansville, 47711 | (812) 213-4143 |
| Bob Davis | State Farm | 2727 1st Ave, Evansville, 47710-3172 | 812-491-7888 |
| C Larry Rhodes | State Farm | 8688 Ruffian Ln Ste A, Newburgh, 47630-3411 | 812-853-7301 |
| April Stewart-Fryman | State Farm | 412 N Weinbach Ave, Evansville, 47711-6012 | 812-424-3276 |
| Mary Rokicki | State Farm | 3335 N Green River Rd, Evansville, 47715-1351 | 812-473-2863 |
| Jenna Powers | State Farm | 3820 Oak Hill Rd Ste B, Evansville, 47711-2950 | 812-401-3276 |
| Henry V. Goben | Allstate | 8920 Ruffian Ln, Newburgh, 47630 | (812) 853-9777 |
| Hartke Insurance | Travelers | 809 S GREEN RIVER RD, EVANSVILLE, 47716 | 812-476-5200 |
| Forrest Sherer Insurance - Evansville | None | 7525 E Virginia St, Ste. 450, Evansville, 47715 | None |
| Brooks Insurance Agency | None | 4088 Highway 261 N , Newburgh, 47630 | None |
| Isu Ins Services-Heston Agency | Travelers | 2029 WASHINGTON AVENUE, EVANSVILLE, 47714 | 812-479-3141 |
| Old National Insurance | Liberty Mutual Independent | 1 MAIN ST, EVANSVILLE, 47708 | 812-461-9001 |
Evansville, 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 | $1,195 |
| Driver's Failure In Showing Documents | +$111 | $1,256 |
| Driving With An Expired Registration | +$118 | $1,263 |
| Driving At A Considerably Slow Pace | +$248 | $1,393 |
| Using A Cellphone While Driving | +$262 | $1,407 |
| Running A Red Light | +$267 | $1,412 |
| Speeding | +$281 | $1,426 |
| Driving A Vehicle Without The Required Permission | +$356 | $1,501 |
| Driving With An Expired/Suspended License | +$772 | $1,917 |
Evansville, 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 | $1,099 |
| Active Disabling Device | $1,099 |
| Tracking Device | $1,076 |
| Passive Disabling Device | $1,065 |
Latest Auto Insurance Reviews in Evansville, IN | Back to Top
GeicoGeico has good customer service, decent rates, accident forgiveness, discounts and they really try to keep your business. They are the best of what I have been able to find by shopping around in 20 years.
State FarmFor the price of our policy, we have a good deductible. State Farm has several different discounts available in which we can take advantage of to lower our policy cost.
ProgressiveI would recommend them, but am (honestly) not sure how much better/worse they are than other companies. They don't give the personal one-on-one service that a local insurance agent gives.
ProgressiveAre some insurance providers better suited to my needs than others company.
AllstateThey offer accident forgiveness once every five years I believe. We have had two claims, one major claim so this has helped keep our premiums down.
Farmer's Insurancethey have better rates then other insurances to have see for yourself then you deciede for yourself
GeicoCheapest I've found. Two cars, both full coverage, one new, 250 dollar deductible, less than 150 a month. Progressive was almost 400 a month and we had 500 deductible and an older car then.
Farmer's InsuranceThe policy covers basic repairs and accident insurance, when my windscreen was smashed by a storm it did not cover it.
State FarmPolicy offerings are the same, I maybe could pay a little more elsewhere but I'm happy where I'm at, and a little afraid to change to a different insurance company honestly.
GeicoGeico has annoying commercials but other than that we have been completely happy with Geico's services.
State FarmMy premium is not that high, a little on the mid level side. As I was with a company who didn't cover as much but they charged more, and they are a competitor of my company. Premium is low, and goes down every six months or so.
Farmer's InsuranceThe coverage we receive from Farmers has been good. There are, however, several other reputable companies offering the same policies for a better premium.
GeicoI love the company's overall customer service, the fact that they take time to listen to us their clients is a big turn on bonus for me
Auto-Owners InsuranceThe company has met the standards of good service and has given me confidence that I am looking for my auto insurance
Safety InsuranceThey have always been extremely helpful and extremely thorough when explaining things. They have been very informative and easy to work with.
ProgressiveI like that they have a mobile app that allows me to see my premium as well as check on coverages. I also like that I dont have to wait on hold to speak to someone and I can use the app first.
Encompass InsuranceThey have good coverage for a great price, and they are easy to work with. They have answered all of our questions and taken care of any problems.
GeicoThere has never been any problem with communication, either by text, by email, by phone, or anything. I really stand by this company and what they offer