Best Evansville, IN Auto Insurance in 2025

The top picks for the best Evansville, IN auto insurance are State Farm, Geico, and Progressive, with State Farm leading overall thanks to rates starting at just $70 per month. These providers offer competitive pricing, reliable coverage, and great service, making them standouts in Evansville. New drivers and savers alike can benefit from valuable discounts and flexible coverage options. [table “5371” not found /]

– Our Top 10 Company Picks: Best Evansville, IN Auto Insurance Additionally, Progressive’s Snapshot program provides discounts for safe drivers, while State Farm’s Drive Safe & Save program rewards drivers for safe driving habits. These Companies offer Low Cost Auto Insurance in Evansville, IN – Enter Your ZIP Code & Act Now.

#1 – State Farm: Top Overall Pick

Pros

• Good Coverage Options: State Farm has solid coverage choices, perfect for Camaro owners.
• Affordable Rates: Monthly rates start low at $72 for basic coverage. Look into our guide, “State Farm Auto Insurance Review.” for expert tips.
• Local Support: State Farm’s strong agent network means you get helpful, personal support nearby.

Cons

• Lower Discount for Bundling: The multi-policy discount is only 17%, which is lower than some other companies.
• Can Be Pricey: Some coverage options might still be a bit pricey, which could be a drawback if you’re on a budget.

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#2 – Geico: Best For Low Rates

Pros

• Affordable Rates: Geico has some of the lowest rates in Evansville, starting at just $70 for basic coverage.
• Significant Savings: Bundling your policies can save up to 25%. Read all about it in our guide, “Geico Auto Insurance Review.”
• Reliable: With an A++ rating, Geico is financially strong and dependable.

Cons

• Online-Only Service: Geico mainly operates online, so it’s not the best if you like talking to someone in person.
• Basic Coverage: Their basic coverage options might have a limited amount of extras or flexibility.

#3 – Progressive: Best for Safe Drivers

Pros

• Safe Driver Discounts: Progressive’s Snapshot program rewards safe Camaro drivers with lower rates.
• Flexible Coverage: You can customize your coverage to fit your needs with Progressive. Browse our comprehensive guide, “Progressive Auto Insurance Review.”
• Affordable Rates: Minimum coverage starts at around $75, and there are chances to save even more.

Cons

• Smaller Bundling Discount: Progressive’s bundling discount is only 10%, which is lower than some other companies.
• Tracking Required: To get the Snapshot discount, you’ll need to allow Progressive to track your driving, which might not be for everyone.

#4 – Allstate: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Allstate’s accident forgiveness feature protects Chevrolet Camaro owners from rate increases after their first accident.
• High Bundling Discount: Allstate offers up to a 25% discount for bundling, providing valuable savings for people.
• Customizable Coverage: Evansville drivers can adjust coverage levels to suit their specific needs with Allstate’s flexible options.

Cons

• Higher Premiums: Despite discounts, Allstate’s premiums for the Evansville may be higher, with minimum coverage rates starting around $95.
• Mixed Customer Service Reviews: Some Evansville owners report inconsistencies in Allstate’s customer service experience. Look through our guide, “Allstate Auto Insurance Review” for more info.

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#5 – Farmers: Best for Personalized Coverage

Pros

• Customizable Policies: Farmers lets you tailor your coverage to fit your needs as a Camaro owner.
• Good Bundling Discount: You can save up to 20% if you bundle policies with Farmers. You can check out the essential guide, “Farmers Auto Insurance Review” for additional knowledge.
• Reliable Financial Stability: With an A rating, you can feel confident in Farmers’ financial strength.

Cons

• Higher Rates: Farmers’ minimum coverage rates start around $90, which might be a bit more expensive.
• Less Advanced Online Tools: Farmers’ online tools aren’t as modern as some other companies, which might be less convenient for some drivers.

#6 – Nationwide: Best for Safe Drivers

Pros

• Vanishing Deductible Program: nationwide reduce their deductible over time with there unique reward system.
• Competitive Bundling Discount: Nationwide offers up to 20% off for bundling policies, a notable benefit for Chevrolet Camaro owners.
• Strong Financial Rating: With an A+ rating, Nationwide gives Chevrolet Camaro drivers confidence in long-term stability. Use our “Nationwide Auto Insurance Review” guide for all the info.

Cons

• Average Rates: Nationwide’s rates for minimum coverage on the Chevrolet Camaro start around $80.
• Few Local Agents: Nationwide’s agent availability may be limited in certain areas, affecting in-person support options for drivers.

#7 – Liberty Mutual: Best for Online Tools

Pros

• Easy Online Tools: Liberty Mutual offers user-friendly online tools that make managing your policy quick and easy from anywhere.
• Big Bundling Discount: Save up to 25% when you bundle your car insurance with other policies, helping you cut down on costs.
• Flexible Payments: They provide flexible payment plans that let you choose what works best for your budget, making it easier to manage your premiums. Find out more in our guide “Liberty Mutual Auto Insurance Review“

Cons

• Higher Rates: Liberty Mutual’s minimum coverage rates start at $105, which may be higher compared to some other insurance providers.
• Inconsistent Service: Some customers have experienced inconsistent customer service, which can be frustrating when you need help.

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#8 – USAA: Best for Military Families

Pros

• Great for Military Families: USAA is a fantastic option for military families because their policies are designed to meet the unique needs of service members and their families. Find everything you need in our guide, “USAA Auto Insurance Review.”
• Awesome Customer Service: USAA is known for being helpful when you need support. Their customer service is quick and always ready to assist you.
• Affordable Rates: USAA offers some of the most affordable rates, starting as low as $65 a month for minimum coverage. That’s great for those looking to save money while staying covered.

Cons

• Membership Restrictions: It is only available to current and former military members and their families. This means that if you’re not in the military, you can’t get coverage with them.
• Smaller Bundling Discount: While USAA offers a bundling discount, it’s only 10%, which is lower compared to some other companies that offer bigger discounts for bundling policies.

#9 – American Family: Best for Customer Loyalty

Pros

• Customer Loyalty Discounts: American Family offers unique loyalty discounts for long-term policyholders. Discover helpful tips in our guide, “American Family Auto Insurance Review.”
• High Bundling Discount: With a 25% discount for bundling, drivers can save considerably on combined policies.
• Financial Stability: An A rating from A.M. Best ensures owners a reliable provider with American Family.

Cons

• Higher Initial Rates: American Family’s minimum coverage rates for drivers start around $85 monthly.
• Limited Nationwide Availability: American Family may have limited reach in some areas, potentially affecting owners seeking in-person support.

#10 – Travelers: Best for Hybrid Discounts

Pros

• Hybrid Vehicle Discounts: Travelers offers exclusive discounts for drivers with hybrid or electric vehicles.
• Strong Financial Rating: With an A++ rating, Travelers gives driver owners confidence in long-term financial security.
• Bundling Savings: Travelers provides a 13% bundling discount, allowing drivers to save by combining policies. Get to know more with our guide “Travelers Auto Insurance Review.”

Cons

• Higher Premiums for Basic Coverage: Travelers’ rates for minimum coverage in Evansville, IN, are higher, starting at $88.
• Limited Physical Locations: Travelers may have fewer local offices, limiting in-person service for drivers in some regions.

Indiana auto insurance  reviews that Evansville, Indiana, residents need minimum car insurance coverage of 25/50/10. Fortunately, affordable options are available from companies like Farmers, State Farm, Grange Mutual, The General, and Allied, with Farmers and State Farm offering monthly rates as low as $28 and $29. Evansville is known for its rich history, once a bustling steamboat town on the Ohio River. Today, it blends its historical charm with modern growth.

Are you looking for cheap auto insurance in Evansville, IN? At AutoInsuranceEZ.com, you can get the very best insurance rates locally. To find free Evansville, IN auto insurance quotes from the major providers today, provide your ZIP code into the quote box on this page.

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Auto Insurance Coverage Requirements in Indiana

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Driving legally in Evansville requires:

Coverage	Requirements	Most Common
Bodily Injury Liability	25,000/50,000	100,000/300,000
Property Damage Liability	10,000	100,000
Uninsured Motorist Bodily Injury	Not required	100,000/300,000
Medical Payments	Not required	5,000
Collision	Not required	500 deductible
Comprehensive	Not required	0 deductible

Getting the minimum auto insurance might seem cheaper, but it can leave you unprotected. With basic Liability coverage, your insurer only pays if you’re at fault in an accident. In Indiana, monthly premiums average around $100, but in Evansville, you can find rates as low as $34 if you know what discounts to look for.

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Evansville, Indiana Cheapest Auto Insurance

If you’re looking for cheap auto insurance companies in Evansville, Indiana, USAA, Geico, and State Farm  have some of the lowest rates. But remember, price isn’t everything—customer service and claims handling are important too! Consider options like Hartke Insurance on Highway 41, and compare rates online. Insurance companies look at things like your credit score, driving experience, and more to set your rate, so checking a few quotes can help you find the best deal.

Major Factors in Cheap Car Insurance in Evansville, Indiana

How quickly do insurance policy changes go into effect? Insurance companies take many factors into account when creating an affordable Evansville, IN auto insurance policy. Unfortunately, some of these variables are difficult or impossible to change, such as gender or where you live.

Your ZIP Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Evansville is 120,310 and the median household income is $32,414.

Automotive Accidents

Evansville has a higher per capita accident fatality rate than other cities in Indiana with a similarly-sized population. These alarming statistics may end up raising your insurance premiums. Talk to your local agent, and see if there are Safe Driver discounts available near you.

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To avoid paying more, it’s a good idea to reach out to your local insurance agent and ask about any Safe Driver discounts that might be available in your area. These discounts can help lower your costs if you have a clean driving record.

Auto Thefts in Evansville

Even in small cities or rural towns, auto theft can still be a problem. In order to make it less of a problem for you, think about installing a passive anti-theft system on your car. Cheap auto insurance companies in Evansville, Indiana may reward you with lower rates!

“We need to not only invest in transitioning to a lower-carbon economy, but invest in protecting people, in resilience, and remediation.”

ICYMI: @Allstate CEO Tom Wilson was on Squawk Box last week unveiling our landmark study on the economic benefits of climate preparedness. pic.twitter.com/qbu8mlpsbG

— U.S. Chamber (@USChamber) July 1, 2024

In Evansville, there were 420 auto thefts in 2012. This is almost double what it was in recent years. One good way to protect yourself (although it may be a bit pricey) is to add Comprehensive coverage to your policy

Your Credit Score

There are many things which are determined by your credit score – and, for better or for worse, car insurance is one of them. The better your score, the lower your monthly rate will be. Unfortunately, motorists with poor credit are charged significantly higher Evansville, IN auto insurance rates, and the chart below shows.

Looking for affordable car insurance in Evansville, Geico is a great option. They offer low rates that help you save on coverage. Geico also provides plenty of discounts to make your policy even more affordable.

Your Age

As you can see, young teenage drivers get charged significantly higher rates. Their youth, as well as their lack of driving experience, make them much more risky to insure. However, teenage drivers can try to alleviate some of this financial burden by looking into a Good Student discount, or taking additional driver education courses.

Your Vehicle

If you have a common, inexpensive car, it will be much easier to fix or replace should the worst happen than an expensive, luxury vehicle. And an inexpensive car doesn’t require an extensive, comprehensive insurance policy

With reliable service and easy-to-understand plans, they make car insurance simple. Get a quick quote today and see how much you can save with Geico!

Your Marital Status

Want to know how married couples can save on automobile insurance? By bundling, that’s how. When you and your spouse bundle your policies together, you can get some serious savings. And if you have other forms of insurance – such as homeowners, or renter’s insurance – you can save even more by bundling those as well.

Your Gender

Worried about being charged more simply because of an uncontrollable factor, such as your gender? Well, don’t worry too much, because most providers these days charge the same rate, regardless of gender. And if you do get charged a higher premium for being male or female, it won’t really change your premium by more than a few dollars per month.

Your Driving Distance to Work

When commuting to and from work, the average driver in Evansville can expect to be on the road for 16-22 minutes at a time. A good 80% of workers like to drive their own vehicle there, and right around 6-17% get to work by carpooling.

If you can help it, try to avoid registering your car as a business vehicle. On average, those vehicles get charged 10-12% higher rates than vehicles driven for work, school, or even recreationally. Also, yearly mileage is a fairly negligible factor – whether your drive above or below the national average, you may only see a 2-3% fluctuation in your rate.

Your Coverage and Deductibles

You can get additional forms of coverage added to your policy, or get covered in larger amounts, and still pay a relatively low rate if you raise your deductible. Just remember to put away part of that savings for a rainy day, in case you do ever have to file a claim.

Education in Evansville, IN

If you live in Evansville and have a college degree, you could save on car insurance—something you might not know! While most drivers have at least a high school diploma, your degree could give you a discount. If you’re looking to continue your education, Evansville has options like the University of Evansville, the University of Southern Indiana, or Ivy Tech State College. Insurance companies have an advantage with their data, but you can learn what they don’t want you to know.

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How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device. Sources: Indiana Department of Insurance Indiana Licensing Agency Department of Highway Safety and Motor Vehicles City-Data.com Census.gov

Case Studies: Discovering Perks of Best Evansville, IN Auto Insurance

Choosing auto insurance in Evansville is easier when you see how different options work for real people. Here are three quick examples showing why locals pick State Farm, Geico, and Progressive.

• Case Study #1 — State Farm Personalized Service: Jessica, who lives in Evansville, wanted a local insurance agent she could trust. State Farm’s local agents made it simple to adjust her policy as her family’s needs changed. For Jessica, having a nearby, reliable agent was key.
• Case Study #2 — Geico Low Cost Coverage: New graduate Brian needed affordable insurance. He compared Allstate and Geico, but Geico offered the lowest rates, keeping him covered and confident on the road. For extra info, head over to our guide, “Allstate vs. GEICO: Best Auto Insurance for 2024.”
• Case Study #3 — Progressive Rewards for Safe Driving: Lily, a safe driver, wanted insurance that rewarded her good driving. She chose Progressive’s Snapshot program, which tracks driving habits and offers discounts for safe behavior. Thanks to her caution on the road, Lily saw her rates go down, making Progressive a perfect fit.

These stories show how the best Evansville, IN auto insurance providers—State Farm, Geico, and Progressive—offer value, affordability, and rewards for all types of drivers. Ready to find the perfect plan? Get instant insurance quotes from our free comparison tool below.