On average, full coverage car insurance in Evansville costs $80 per month. Prices range from $76 to $267, depending on the driver’s age and driving record. The table below lists average rates for various driver profiles to help drivers better understand potential costs.
Evansville, IN, Car Insurance
Updated: January 6, 2025
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Cheapest Car Insurance in Evansville: Key Takeaways
Westfield, American Family and Auto-Owners are among Evansville's most affordable car insurance options.
Westfield provides the cheapest minimum coverage at $26 per month, while American Family offers the lowest full coverage rate at $53.
On average, car insurance costs in the city are around $40 per month for minimum coverage and $80 for full coverage.
Car Insurance Quotes in Evansville, IN
| Young Drivers | $47 | $98 |
| Teens | No Data | $267 |
| Seniors | $41 | $76 |
| Drivers With an Accident | $64 | $129 |
| Drivers With a Speeding Ticket | $52 | $105 |
| Drivers With a DUI | $72 | $144 |
| Bad Credit | $68 | $140 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Evansville vs. State Average
Indiana
State Average Full Coverage Rate
$911
Evansville, IN
City Average Full Coverage Rate
$957Evansville Car Insurance is Expensive:$46 more
This is 5% more expensive.
What Is the Average Car Insurance Rate in Evansville?
In Evansville, the average annual car insurance costs are $957 for full coverage and $480 for minimum coverage. These rates are higher than Indiana's averages of $911 and $432, respectively.
| State Average | $432 | $911 |
| Evansville Average | $480 | $957 |
Cheapest Car Insurance Companies in Evansville
While premiums may rise across Indiana, you can still find affordable car insurance in Evansville. Westfield offers the cheapest minimum coverage at $26 per month, and American Family provides the best full coverage rate at $53.
WHY CAR INSURANCE IN EVANSVILLE IS EXPENSIVE
Car insurance is expensive in Evansville due to factors like traffic volume and local accident rates. The city ranks high in insurance costs within the state. Across Indiana, high rates of uninsured drivers, personal injury lawsuits and insurance fraud drive up prices.
Cheap Car Insurance in Evansville
Westfield offers the cheapest minimum coverage, but rates vary by driver. The best way to find affordable car insurance is to get quotes from multiple providers. The table below shows the cheapest rates for different driver profiles.
| Westfield | Minimum Coverage | $26 |
| American Family | Full Coverage | $53 |
| Auto-Owners | Teens | $188 |
| American Family | Young Adults | $44 |
| American Family | Seniors | $40 |
| American Family | Bad Credit | $64 |
| American Family | Drivers With a DUI | $52 |
| American Family | Drivers With an Accident | $54 |
| American Family | Drivers With a Speeding Ticket | $52 |
Car Insurance Rates in Evansville by Company
To find the cheapest car insurance in Evansville, compare prices from different companies. The table below highlights the most affordable minimum and full coverage options.
Cheapest Car Insurance Companies for Minimum Coverage in Evansville
Westfield offers the cheapest minimum coverage auto insurance at $26 per month, followed by American Family at $28. The table below breaks down the cheapest options.
| Westfield | $26 | $14 |
| American Family | $28 | $12 |
| Progressive | $31 | $9 |
| Travelers | $34 | $6 |
| Auto-Owners | $35 | $5 |
| GEICO | $38 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Evansville
American Family offers the cheapest full coverage car insurance in Evansville at $53 monthly. Below is a list of other providers and their rates.
| American Family | $53 | $26 |
| Progressive | $65 | $15 |
| Travelers | $66 | $14 |
| GEICO | $70 | $9 |
| Westfield | $73 | $7 |
| Auto-Owners | $75 | $5 |
| Nationwide | $80 | $0 |
Car Insurance Companies in Evansville
In Evansville, American Family offers the lowest rate at $487 annually. Westfield is the best cheap option, with a MoneyGeek score of 90 out of 100. Check the table below for more choices.
| Westfield | 90 | $593 |
| American Family | 88 | $487 |
| Auto-Owners | 81 | $659 |
| State Farm | 66 | $852 |
| Travelers | 65 | $596 |
| Progressive | 63 | $572 |
| Nationwide | 63 | $733 |
| GEICO | 62 | $650 |
| Grange Insurance | 62 | $772 |
| Allstate | 53 | $806 |
| Farmers | 47 | $1,069 |
| Indiana Farm Bureau | No Data | $835 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Evansville by Age
Middle-aged drivers and younger seniors pay the lowest car insurance rates in Evansville, averaging $957 per year for 40-year-olds and $913 for 65-year-olds. The table below compares average costs for drivers aged 16 to 65.
| 16 | $2,130 | $-677 |
| 17 | $2,019 | $-566 |
| 18 | $1,720 | $-267 |
| 19 | $1,543 | $-90 |
| 20 | $1,570 | $-117 |
| 21 | $1,283 | $169 |
| 22 | $1,297 | $156 |
| 23 | $1,337 | $115 |
| 24 | $1,254 | $199 |
| 25 | $1,176 | $-211 |
| 40 | $957 | $8 |
| 65 | $913 | $52 |
Cheapest Car Insurance for Teens in Evansville
GEICO offers the cheapest overall car insurance for teens in Evansville, at $123 per month for full coverage, saving $31 compared to the state average. The table below highlights other affordable providers for this age group.
| GEICO | $123 | $31 | $278 |
| Allstate | $134 | $20 | $285 |
| Nationwide | $148 | $7 | $310 |
| Progressive | $153 | $2 | $245 |
| Farmers | $153 | $2 | $355 |
| Travelers | $162 | $-8 | $283 |
| State Farm | $164 | $-10 | $195 |
| Auto-Owners | $199 | $-45 | $188 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Evansville
American Family offers the cheapest minimum coverage for young drivers in Evansville at $30 monthly and full coverage at $58. The table below shows the lowest rates for different young driver profiles.
| American Family | Minimum Coverage | $30 |
| American Family | Full Coverage | $58 |
| American Family | Bad Credit | $69 |
| American Family | Drivers With a DUI | $55 |
| American Family | Drivers With an Accident | $57 |
| American Family | Drivers With a Speeding Ticket | $55 |
Cheapest Car Insurance Companies for Young Drivers in Evansville
American Family offers the most affordable auto insurance for young drivers at $44 monthly. The table below shows other companies with competitive rates.
| American Family | $44 | $29 |
| Progressive | $57 | $16 |
| Travelers | $59 | $14 |
| Westfield | $64 | $9 |
| GEICO | $66 | $7 |
| Grange Insurance | $73 | $0 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Evansville
American Family offers some of the city's most affordable car insurance rates, though rates vary by factors like driving history and coverage type. The table below shows the most affordable providers for different driver and coverage profiles.
| American Family | Minimum Coverage | $28 |
| American Family | Full Coverage | $52 |
| American Family | Bad Credit | $63 |
| American Family | Drivers With a DUI | $52 |
| American Family | Drivers With an Accident | $54 |
| American Family | Drivers With a Speeding Ticket | $52 |
Cheapest Car Insurance for Seniors in Evansville
American Family offers the cheapest monthly premium for seniors in Evansville, with minimum coverage rates starting at $40. Progressive is the second most affordable, charging $47 monthly. The table below lists the top car insurance providers for senior drivers.
| American Family | $40 | $18 |
| Progressive | $47 | $11 |
| Westfield | $49 | $9 |
| Travelers | $51 | $7 |
| Auto-Owners | $54 | $4 |
| GEICO | $54 | $4 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Evansville
In Evansville, high-risk drivers pay more for car insurance than the state average. The average annual cost of minimum coverage is $753, and full coverage is $1,511. The state averages are $671 and $1,429, respectively. Drivers with bad credit and DUIs face the highest premiums, while accidents and speeding tickets have a smaller impact on rates.
| State Average | $671 | $1,429 |
| Evansville Average | $753 | $1,511 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a speeding ticket, affect insurance costs for a few years. Serious offenses, such as a DUI, impact rates for longer, and you may need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Evansville
Progressive offers the cheapest minimum coverage for drivers with a DUI in Evansville at $390 per year. For full coverage, American Family is the most affordable at $820. Check out the table below for more low-cost coverage options.
| Progressive | $33 | $81 |
| American Family | $35 | $68 |
| Travelers | $55 | $107 |
| State Farm | $57 | $124 |
| Allstate | $60 | $105 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Evansville
American Family, Auto-Owners and Travelers offer the cheapest auto insurance after an at-fault accident in Evansville. The table below lists affordable car insurance options for drivers with an at-fault accident violation.
| American Family | $36 | $72 |
| Auto-Owners | $47 | $98 |
| Travelers | $49 | $97 |
| Progressive | $52 | $131 |
| Grange Insurance | $60 | $117 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Evansville
Westfield is the cheapest car insurance provider for speeding ticket drivers in Evansville, with an average monthly rate of $31 for minimum coverage. American Family has the cheapest full coverage at $68. The table below shows how much other providers charge drivers with speeding tickets.
| Westfield | $31 | $86 |
| American Family | $35 | $68 |
| Progressive | $38 | $99 |
| Auto-Owners | $44 | $93 |
| Travelers | $46 | $92 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Evansville
Progressive offers the most affordable rates for drivers with bad credit in Evansville, with minimum coverage costing about $41 monthly. American Family is the cheapest option for full coverage at $84. See the table below for other affordable options.
| Progressive | $41 | $104 |
| American Family | $44 | $84 |
| Westfield | $49 | $131 |
| Travelers | $55 | $104 |
| Grange Insurance | $56 | $110 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Evansville, IN
In Indiana, each city adheres to state-mandated car insurance minimums. Your policy must include at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
For example, if you're in a crash, your minimum coverage will help pay for the other driver's medical bills and car repairs up to these amounts.
Cheap Car Insurance in Evansville: Bottom Line
Westfield offers the cheapest minimum coverage in Evansville at just $26 a month, while American Family leads in full coverage at $53. No matter your age or credit, affordable car insurance options are available in Indiana. Ensure your policy includes the state’s mandatory bodily injury and property damage coverages. Compare rates to find the coverage you need at prices you can afford.
Evansville Auto Insurance: FAQ
We provide quick answers to common questions about finding affordable and quality car insurance options in Evansville.
What is the cheapest car insurance company in Evansville, IN?
Westfield is the cheapest car insurance company in Evansville, Indiana. With a minimum coverage rate of $26 per month, it offers a $14 savings.
What is the best car insurance company in Evansville, IN?
Westfield is the best car insurance provider in Evansville, Indiana, with a MoneyGeek score of 90 out of 100 and an average annual premium of $593 for minimum coverage.
How much does car insurance cost on average in Evansville, IN?
The average monthly cost of minimum coverage auto insurance in Evansville ranges from $41 to $72.
Best Cheap Car Insurance in Evansville: Our Methodology
MoneyGeek analyzed Evansville auto insurance prices using the Indiana Department of Insurance and Quadrant Information Services data.
Evansville Driver Profile
To assess the best and most affordable auto insurance options for Evansville residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Evansville
In assessing the car insurance quotes for Evansville, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Indiana's mandated liability insurance parameters:
The minimum coverage requirements in Indiana are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Indiana providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Evansville
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Evansville for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions.
For more details on our evaluation process, review MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.