Car Insurance in Evansville, Indiana
Estimated full coverage in Evansville runs about $1,165 a year ($97/month) — ▲ +3% versus the Indiana average, ranking 9th most expensive of the 9 Indiana cities we cover.
Why car insurance in Evansville costs more than the Indiana average
Insurers price by territory, and Evansville's numbers explain most of the gap. With 115,395 residents on 47.4 square miles, the city's density (2,437 people per square mile) is 4.3 times the density where the typical Indiana resident lives (565). The average commute is 18.3 minutes (Indiana: 24.1), and 79% of workers drive alone. Together these put our location factor at 1.03× the state baseline for liability and collision.
| Factor | Evansville | Indiana ref. | Why it matters |
|---|---|---|---|
| Population density | 2,437 / sq mi | 565 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 18.3 min | 24.1 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.2% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 78.7% | — | Share of workers commuting by car. |
| Public transit to work | 1.0% | — | Transit use lowers how much residents drive. |
| Work from home | 5.7% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 10.2% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 81.5 | 81.9 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Evansville
Rates can change from one ZIP code to the next. Across 6 Evansville ZIP codes, our full-coverage estimate ranges from $1,095 in 47708 to $1,220 in 47714. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 47714 | 32,132 | 4,001 | 21.1 min | 11.4% | $1,220 | +5% |
| 47711 | 30,944 | 1,875 | 20.2 min | 7.8% | $1,165 | 0% |
| 47715 | 29,280 | 1,332 | 17.1 min | 6.8% | $1,120 | −4% |
| 47710 | 18,309 | 2,136 | 17.6 min | 11.9% | $1,150 | −1% |
| 47713 | 9,988 | 2,014 | 18.4 min | 17.0% | $1,155 | −1% |
| 47708 | 696 | 1,093 | 15.5 min | 15.5% | $1,095 | −6% |
Minimum car insurance in Evansville
Evansville drivers follow Indiana's rules: at least 25/50/25 liability coverage. Indiana is at-fault (tort). We estimate state-minimum coverage in Evansville at $415 a year, and $600 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Indiana does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | 25/50 New policies must include uninsured motorist coverage (minimum 25/50 bodily injury) unless the named insured rejects it in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is included with uninsured motorist coverage unless rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Evansville premiums
Accidents
Indiana recorded 832 traffic deaths, or 0.94 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Indiana's vehicle theft rate is 142 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Vanderburgh County as relatively moderate for hail, relatively moderate for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
3.2% of Evansville commuters spend an hour or more getting to work, and there are 1.57 vehicles per household. 5.7% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 82.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 95.9 | Comprehensive; dwelling | |
| Hurricane | 42.9 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 89.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 95.9 | Comprehensive; dwelling | |
| Winter weather | 95.8 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Evansville by driver profile
A clean-record driver in their 50s pays the least in our Evansville model (about $1,070 for full coverage); an 18-year-old on their own policy pays about $3,200, and a DUI pushes a 30-something to $2,150.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,140 | $1,655 | $3,200 | $267 |
| Young adult (22) | $665 | $965 | $1,860 | $155 |
| Adult in their 30s | $415 | $600 | $1,165 | $97 |
| Adult in their 50s | $380 | $555 | $1,070 | $89 |
| Senior (72) | $465 | $675 | $1,305 | $109 |
| 30s, one at-fault accident | $600 | $875 | $1,685 | $140 |
| 30s, DUI on record | $770 | $1,115 | $2,150 | $179 |
Minimum vs. standard vs. full coverage in Evansville
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $415 | $35 | $340–$490 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $600 | $50 | $495–$710 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,165 | $97 | $955–$1,375 |
Estimate your premium in Evansville
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Cheap car insurance in Evansville: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Evansville's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $80 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $85 | You're among the 5.7% of Evansville workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $310 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $565 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $255 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Evansville
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 21 offices listed below.
- Check complaint records with the Indiana Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Evansville, our estimates differ by up to $125 a year between neighborhoods.
Car insurance agents near Evansville, IN
We found 21 insurance offices within about 5 miles of central Evansville, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Robert Seldon Sheffer - Farmers Insurance
1015 Oak Hill Rd, Evansville, IN 47711 -
David Key - Allstate
1200 N Willow Rd, Ste 204, Evansville, IN 47711 -
Sandra K Johnson - Farmers Insurance
815 John St, Evansville, IN 47713 -
Luci Jourdan - Allstate
419 E Diamond Ave, Evansville, IN 47711 -
Erie Insurance
201 E Diamond Avenue, Evansville, IN 47711 -
Erie Insurance
2603 N 1st Avenue, Evansville, IN 47710 -
Erie Insurance
4 Nw 2nd Street, Suite 4, Evansville, IN 47708 -
Pam Lentz - State Farm Insurance Agent
2727 North 1st Avenue, Evansville, IN 47710 -
Sam Tanoos: Allstate Insurance
5334 Vogel Road, Evansville, IN 47715 -
Erie Insurance
658 S Green River Road, Evansville, IN 47715 -
Mary Rokicki - State Farm
3335 N Green River Road, Evansville, IN 47715 -
Jay Rietman - Allstate
5212 Washington Ave, Evansville, IN 47715 -
Sondra Poehlein Agency LLC
6219 Vogel Rd, Ste 103, Evansville, IN 47715 -
Erie Insurance
1919 W Franklin Street, Evansville, IN 47712 -
Daniel Edwards - GEICO
244 N. Burkhardt Rd, Evansville, IN 47715 -
State Farm - Maurice Brunson
1125 West Mill Road, Evansville, IN 47710 -
Erie Insurance
1137 W Mill Road, Suite 100, Evansville, IN 47710 -
Amber Labaw - American Family Insurance
2201 W Franklin St, Evansville, IN 47712 -
Erie Insurance
2221 W Franklin Street, Evansville, IN 47712 -
Dustin Sarver - American Family Insurance
2319 W Franklin St, Evansville, IN 47712 -
Rich Royalty - State Farm
7820 Eagle Crest Blvd., Suite 203, Evansville, IN 47715
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Evansville
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $870 | −25% |
| Subaru Outback | Wagon | $870 | −25% |
| Tesla Model 3 | Midsize car | $1,230 | +6% |
| Subaru Forester | Small SUV | $850 | −27% |
| Honda Civic | Compact car | $1,325 | +14% |
| Toyota Corolla | Compact car | $1,240 | +6% |
| Jeep Wrangler | Midsize SUV | $960 | −18% |
| Mazda CX-5 | Small SUV | $980 | −16% |
| MINI Cooper | Subcompact car | $880 | −24% |
| Tesla Model Y | Midsize SUV | $1,105 | −5% |
More car insurance topics in Evansville
Car insurance in nearby Indiana cities
- Bloomington $1,170/yr · 98 mi
- Indianapolis $1,235/yr · 144 mi
- Carmel $1,220/yr · 156 mi
- Westfield $1,220/yr · 160 mi
- Fishers $1,265/yr · 160 mi
- Fort Wayne $1,200/yr · 249 mi
- Hammond $1,260/yr · 251 mi
- South Bend $1,185/yr · 264 mi
All Indiana cities and state rules · Homeowners insurance in Evansville
Frequently asked questions
How much is car insurance in Evansville, IN?
We estimate full coverage in Evansville at about $1,165 a year ($97 a month) for a driver in their 30s with a clean record, and about $415 for Indiana's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Evansville more expensive than the Indiana average?
Our Evansville estimate is 3% higher than the statewide figure. The model reflects a population density of 2,437 people per square mile (the typical Indiana resident lives at about 565) and an average commute of 18.3 minutes versus 24.1 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Evansville?
Drivers in Evansville follow Indiana law: at least 25/50/25 liability coverage.
Which ZIP code in Evansville has the cheapest car insurance?
Among Evansville's 6 ZIP codes, 47708 has the lowest estimate (about $1,095 a year for full coverage) and 47714 the highest (about $1,220), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Evansville?
An 18-year-old with their own full-coverage policy would pay around $3,200 a year in Evansville by our estimate ($1,140 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Evansville?
Yes. FEMA's National Risk Index rates Vanderburgh County for tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Evansville?
We list 21 insurance offices in and around Evansville, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Indiana Department of Insurance: Auto Insurance
- Indiana Department of Insurance: Auto Insurance Facts
- Indiana BMV: Proof of Financial Responsibility
- Indiana Department of Insurance: Complaints
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Evansville and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places