Car Insurance in Evansville, Indiana

Explore the city confidently by finding affordable car insurance in Evansville, Indiana.
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Protecting Your Vehicle in Evansville, Indiana

More than 115,000 people call Evansville, Indiana, home. Whether you're sightseeing at the Angel Mounds State Historic Site, spending a day with the kids at the Koch Family Children's Museum or visiting the Eastland Theater, you'll find numerous reasons to get behind the wheel and explore the beautiful area.

Annual temperatures in Evansville range from 27 degrees to 88 degrees. The winter months are cold but not overwhelmingly frigid, while summers are warm but not scorching. The pleasant climate means that residents take road trips throughout the year, leading to an excessive number of drivers on the road.

The city records thousands of car accidents each year. While most are minor fender benders that cause minimal damage, others result in serious injury and even death. Evansville officials recorded 15 fatalities in 2021, so having the right coverage to protect you and your vehicle is important. VIU by HUB helps you compare rates and policies so you can find one that fits your wallet and best meets your needs.

Find Great Car Insurance in Evansville, Indiana

The Metropolitan Evansville Transit System provides buses for Evansville residents to use to move around the city. Many people prefer the freedom of owning vehicles so they can move around the city without adhering to a bus schedule. If you would rather own a vehicle instead of relying on public transportation, use VIU by HUB to find insurance for your vehicle and commute to work with confidence.

Optional and Required Car Insurance in Evansville, Indiana

The Indiana Bureau of Motor Vehicles requires all motorists to hold a minimal-coverage insurance policy to drive legally. Minimal requirements include:

  • $25,000 in bodily injury coverage to cover the cost of injury to yourself or another person in the event of an accident
  • $50,000 in bodily injury coverage to cover the cost of injury to two people
  • $25,000 in property damage coverage to cover the cost of lost vehicles in a single accident

Although these are minimal requirements set in place by the state, drivers have the option to purchase additional coverage that offers more protection. In addition to higher coverage limits, you may also consider liability and uninsured motorist coverage, which protects you if you are ever hit by a driver who does not have adequate insurance to cover the cost of your medical expenses or damage to your vehicle.

Average Cost of Car Insurance in Evansville, Indiana

On average, drivers in America pay car insurance premiums of $1,548. The average in Evansville is significantly higher, with full-coverage policies costing $2,989. This spike in price comes from the population density and high risk of motor vehicle accidents. Minimal-coverage premiums average $917 in the city.

Factors That Affect Car Insurance Rates in Evansville

Because Evansville is such a densely populated city, there is a significant risk of being involved in a car accident that damages your vehicle. Your car may also be stolen or damaged by a storm, so choosing the right insurance policy is crucial for protecting your investment. Full-coverage car insurance may seem like an unnecessary expense, but many factors influence the rate you pay for premium coverage. Insurance companies consider:

  • Personal information, including your credit score, gender, age and marital status
  • The type of vehicle you drive
  • Your driving record

Various insurance providers offer discounts for bundling home and auto policies. You may also qualify for discounts through loyalty programs. Using VIU by HUB to compare coverage options for car insurance in Evansville, Indiana, is the best way to find the policy that suits your needs.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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