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

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

Zimlon, through its research, found that car owners in Pike, 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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Factors Influencing the Cost of Auto Insurance in Pike, IN

The average cost of auto insurance in Pike, IN, is $1,189. It is lower than the insurance price in neighboring places such as Crows Nest, Wynnedale, and North Crows Nest. Several factors can affect the cost of auto insurance in Pike. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.

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Some of the factors that could increase the cost of auto insurance are as follows.

DUI:

DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Pike can be as high as $1,840. 

Age Group:

The cost of auto insurance depends on the age of the driver. Auto insurance is the cheapest for drivers who are in their fifties and sixties in Pike. Teenagers are considered more risk-prone to accidents and continue to find auto insurance expensive at $3,858.

Deductibles:

This is one of the most common factors influencing the cost of auto insurance in Pike, IN. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 is $1,508, and it decreases to $1,274 when the deductible is $1,000.

Credit Score:

A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be quite low.

Driving Violations:

Driving Violations such as driving with an expired license or speeding can also have a severe impact on auto insurance costs in Pike, IN, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive. 

Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.

Factors that can influence the cost of car insurance in Pike, 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.


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

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

Pike Crows Nest North Crows Nest Speedway Rocky Ripple Wynnedale
Average Insurance Rates $1,189 $2,533 $1,890 $1,176 $1,183 $1,655

Pike, 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 Pike, 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)
Pike $1,508 $1,274
Wynnedale $1,258 $1,062
Spring Hill $1,452 $1,227
Clermont $1,384 $1,169
Rocky Ripple $1,522 $1,286
Crows Nest $2,060 $1,740
North Crows Nest $1,193 $1,007
Speedway $1,486 $1,255

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

Teenagers in Pike, 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 $3,858
20 Years $1,528
30 Years $1,177
40 Years $1,132
50 Years $1,048
60 Years $1,063
70 Years $1,237

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

Car owners in Pike, 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 $2,069 $309
3 Vehicles $3,103 $464
4 Vehicles $4,138 $618

Savings on 2 Vehicles bundle:$309

Savings on 3 Vehicles bundle:$464

Savings on 4 Vehicles bundle:$618


Pike, 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 Pike, IN.

Location Average Insurance Cost Post DUI Insurance Rate
Pike $1,189 $1,840
Wynnedale $1,655 $2,561
Spring Hill $1,329 $2,056
Clermont $1,173 $1,815
Rocky Ripple $1,183 $1,830
Crows Nest $2,533 $3,919
North Crows Nest $1,890 $2,924
Speedway $1,176 $1,820

Pike, 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) $1,020
Excellent (740-799) $1,164
Good (670-739) $1,239
Average (580-669) $1,616
Poor (300-579) $1,939

Pike, 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
Steffey Insurance Agency Travelers 8365 Keystone Xing Suite 202, Indianapolis, 46240 None
Rick Smith State Farm 1138 W 86th St, Indianapolis, 46260-2257 317-582-1000
Ron Schulte State Farm 75 Boone Village Shopping Ctr, Zionsville, 46077 317-873-4659
City Securities Insurance Llc Travelers 8900 KEYSTONE CROSSING STE 300, INDIANAPOLIS, 46240 317-844-0273
Mcgowan Insurance Group Inc Liberty Mutual Independent 355 INDIANA AVE STE 200, INDIANAPOLIS, 46204 317-464-5000
Pete Fay Casl, Clu, Cpcu, Flmi, Chfc State Farm 431 E Northfield Dr, Brownsburg, 46112-2208 317-852-9780
Genung & Mayfield Companies None 8247 Indy Ct , Indianapolis, 46214 None
Marrietta Riley Allstate 855 N High School Rd Ste 10, Indianapolis, 46214 (317) 244-4404
Craig Hoge Farmers 9202 N MERIDIAN ST STE 150, Indianapolis, 46260 (317) 574-6600
Daniel Shreve State Farm 11650 N Michigan Rd, Zionsville, 46077-8949 317-870-2272
Jeff Susong State Farm 3838 W 86th St, Indianapolis, 46268-1905 317-872-7722

Pike, 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 +$52 $1,241
Driver's Failure In Showing Documents +$115 $1,304
Driving With An Expired Registration +$122 $1,311
Driving At A Considerably Slow Pace +$258 $1,447
Using A Cellphone While Driving +$272 $1,461
Running A Red Light +$277 $1,466
Speeding +$291 $1,480
Driving A Vehicle Without The Required Permission +$370 $1,559
Driving With An Expired/Suspended License +$801 $1,990

Pike, 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 $1,141
Active Disabling Device $1,141
Tracking Device $1,118
Passive Disabling Device $1,106