Noble, IN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Noble, 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.
What Makes Car Insurance Expensive in Noble, IN?
The average cost of car insurance in Noble, IN, is $1,481. This is higher than the average insurance cost of nearby locations like Roann and Waltz but lower than other locations like Lagro, Paw Paw, and Erie. The state laws require that every driver is to have minimum coverage for auto insurance in Indiana on their car. However, car insurance often becomes expensive due to factors like the location one lives in. If the neighborhood is more prone to car and auto theft, the cost of auto insurance is likely to be expensive. Below is a list by Zimlon elaborating on factors that make car insurance expensive in Noble, IN.
Neighborhood:
The neighborhood one lives in Noble, IN, is one of the important determinants of how expensive the auto insurance will get for the residents. Zimlon offers the service to finding one’s accurate zip code to get the best auto insurance quotes from multiple auto insurance companies. The make and model of the vehicle and the rate of auto thefts in the neighborhood also increase or reduce the insurance costs within the city.
Age of the Driver:
Zimlon analysis found that auto-insurance for teens in Noble, IN, is much more expensive than middle-aged drivers. This is mainly because insurance companies consider teenagers to be less responsible drivers than middle-aged or older drivers.
In Noble, IN, teenagers have to pay nearly $4,806 for their car insurance whereas, drivers of 20 years of age pay $1,903. Car insurance costs for drivers between the age of 40 to 60 years in Noble, IN is also less expensive and falls under the cap of $1300 to $1400.
Driving Violations:
Different types and numbers of driving violations can make car insurance expensive in Noble, IN.
These driving violations stay on the driver record for a considerable amount of time, leading to expensive car insurance rates. It is the severity of violations that determine how long it will stay on record.
According to Zimlon’s analysis in Noble, IN, driving violations like failing to show documents or driving with an expired registration can increase insurance costs to $144 and $153, respectively. Other violations like using a cellphone while driving, running a red light, and speeding can make insurance expensive by more than $300. More severe violations like driving with an expired or suspended license can cost $998 in Noble, IN.
A Vehicle Without Anti-theft Features:
Cars equipped with safety devices are less prone to thefts; therefore, auto insurance companies provide a considerable amount of discounts to vigilant car owners. Residents on Noble, IN, can make their car insurance less expensive by installing anti-theft devices in their cars.
Although these discounts depend on the type and number of safety devices installed, Zimlon’s research identified some anti-theft features that can help car owners in Noble, IN to make their auto-insurance less expensive. The average insurance cost for an audible alarm and active disabling device in the car is $1,422, whereas features like a tracking device and passive disabling device cost less than $1400 in Noble, IN.
Driving Under Influence (DUI):
Driving Under Influence (DUI) is another crucial factor that leads to expensive car insurance costs in Noble, IN. The cost of auto insurance increases drastically post-DUI. The graph below is a comparison of auto insurance rates before and after DUI in and around Noble, IN.
Factors that can influence the cost of car insurance in Noble, 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.
- Noble, IN Auto Insurance Rates
- Noble, IN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Noble, IN
- Multi Vehicle Insurance Savings in Noble, IN
- How Credit Score Affects Car Insurance Rates in Noble, IN
- How DUI Affects Auto Insurance Premiums in Noble, IN
- Top Auto Insurance Agents Near Noble, IN
- How Driving Violations Affect Auto Insurance Rates in Noble, IN
- Noble, IN Auto Insurance Discounts on Anti Theft Feature
Noble, IN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Noble, IN with that of other cities in and around Noble.
| Noble | Lagro | Paw Paw | Erie | Roann | Waltz | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,481 | $1,510 | $1,173 | $1,540 | $1,143 | $1,186 |
Noble, 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 Noble, 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) |
|---|---|---|
| Noble | $1,917 | $1,619 |
| Wabash County | $1,473 | $1,244 |
| Erie | $2,509 | $2,119 |
| Waltz | $1,428 | $1,206 |
| Paw Paw | $1,462 | $1,235 |
| Lagro | $2,149 | $1,815 |
| Roann | $1,302 | $1,100 |
| Somerset | $1,224 | $1,034 |
Noble, IN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Noble, 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 | $4,806 |
| 20 Years | $1,903 |
| 30 Years | $1,466 |
| 40 Years | $1,410 |
| 50 Years | $1,306 |
| 60 Years | $1,324 |
| 70 Years | $1,541 |
Noble, IN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Noble, 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 | $2,518 | $444 |
| 3 Vehicles | $3,777 | $666 |
| 4 Vehicles | $5,035 | $889 |
Savings on 2 Vehicles bundle:$444
Savings on 3 Vehicles bundle:$666
Savings on 4 Vehicles bundle:$889
Noble, 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 Noble, IN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Noble | $1,481 | $2,292 |
| Wabash County | $1,157 | $1,790 |
| Erie | $1,540 | $2,383 |
| Waltz | $1,186 | $1,835 |
| Paw Paw | $1,173 | $1,815 |
| Lagro | $1,510 | $2,336 |
| Roann | $1,143 | $1,769 |
| Somerset | $1,195 | $1,849 |
Noble, 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) | $1,271 |
| Excellent (740-799) | $1,450 |
| Good (670-739) | $1,543 |
| Average (580-669) | $2,013 |
| Poor (300-579) | $2,416 |
Noble, 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 |
|---|---|---|---|
| Inguard | Liberty Mutual Independent | 231 W Canal St, WABASH, 46992 | (866) 563-8821 |
| Stephanie Yeakle | State Farm | 1921 W 4th St, Marion, 46952-6200 | 765-664-4391 |
| Todd Adams | State Farm | 160 W Harrison Ave, Wabash, 46992-1224 | 260-563-6797 |
| Todd Adams | State Farm | 160 W Harrison Ave, Wabash, 46992-1224 | 260-563-6797 |
| Brian Mallow | State Farm | 385 Manchester Ave, Wabash, 46992-1812 | 260-563-5446 |
| Masters Insurance Agency | Erie | 2302 Cedarwood Way, Fort Wayne, 46804 | None |
Noble, 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 | +$65 | $1,546 |
| Driver's Failure In Showing Documents | +$144 | $1,625 |
| Driving With An Expired Registration | +$153 | $1,634 |
| Driving At A Considerably Slow Pace | +$321 | $1,802 |
| Using A Cellphone While Driving | +$339 | $1,820 |
| Running A Red Light | +$345 | $1,826 |
| Speeding | +$363 | $1,844 |
| Driving A Vehicle Without The Required Permission | +$461 | $1,942 |
| Driving With An Expired/Suspended License | +$998 | $2,479 |
Noble, 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 | $1,422 |
| Active Disabling Device | $1,422 |
| Tracking Device | $1,392 |
| Passive Disabling Device | $1,377 |