Car Insurance in Muncie

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Living and Working in Muncie

Muncie, Indiana, is conveniently located just over an hour northeast of Indianapolis and about an equal distance from Dayton, Ohio. Muncie has about 65,000 residents. many of whom work at or attend Ball State University in town. The city boasts a low cost of living and lots to do, from shopping to museums and hiking trails. With limited public transit options, it's important to explore car insurance in Muncie if you're a new driver in the area.

Motorist Life in Muncie

Though the city has a few bus routes, almost three-quarters of Muncie residents drive their own cars to work, according to Sperling's Best Places. Another 8.7% carpool with others. Drivers here can easily access Interstate 69, U.S. 35, and state Routes 3, 32, 67 and 332. If you're one of the many locals who need great car insurance in Muncie, shopping for multiple quotes with VIU by HUB's online tool can help you find the best rates.

Potential Concerns for Local Drivers

The Indianapolis area also has a rising rate of serious and fatal accidents caused by distracted drivers. Motorists have received nearly 15,000 citations for this traffic offense since 2020. In addition, 9.6% of the state's fatal collisions in 2022 involved a distracted driver. Avoiding devices and remaining alert behind the wheel can help reduce your risk of a dangerous accident.

Drivers in Muncie should also be aware of the city's higher-than-average rate of property crimes like vandalism and theft. According to Sperling's Best Places, about 3.33 in 100 residents experience this type of issue each year, compared to an Indiana rate of 1.97 and a national property crime rate of 2.11. Comprehensive car insurance in Muncie pays to repair or replace your vehicle if someone steals or damages it. You can find the best rates on great policies by comparing quotes with VIU by HUB.

Average Auto Insurance Rates

Car and Driver reports that residents pay an average of $1,076 for annual car insurance in Muncie. That's slightly less than the Indiana average rate of $1,134, which is about $250 less than the national average. Rates vary depending on factors like the accident rate in your neighborhood, as well as your own driving history.

Even if you have elements that increase your premiums, such as a young driver in the household, you can save by comparing rates from different providers. VIU by HUB makes it easy with our smart online tool.

Car Insurance Requirements in Indiana

Indiana requires all drivers to carry minimum liability insurance. This type of policy pays for medical bills, lost wages, legal costs and property damage associated with an at-fault accident. You must have at least:

  • $25,000 per accident for property damage
  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

You may also want to purchase additional coverage. Comprehensive policies pay for damage and loss to your vehicle caused by a covered non-collision event like severe weather or theft. Collision policies pay to fix your vehicle when you have an accident, regardless of fault. Your auto loan or lease company may require you to carry these policies.

You can get the right car insurance in Muncie at an affordable price when you compare prices. Check out VIU by HUB for personalized quotes from multiple providers.

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


Car and Driver

Sperling's Best Places

U.S. Census Bureau

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