If you are lucky enough to live in the "River City" of Evansville, Indiana, you may also be aware of some of the challenges faced by residents who commute within the tri-state area of Illinois, Indiana and Kentucky. Evansville is the third largest city in the state of Indiana, and traffic reflects its ranking as a commercial, medical and cultural hub. The tourist attractions in the region, including the Casino Aztar and Angel Mounds, draw visitors from within Indiana and throughout the region.
While urban dwellers typically pay higher premiums due to dense traffic conditions with higher accident and theft rates, residents of Evansville may actually find that their rates are lower than the national average. To compare rates from multiple insurance companies and find the right Evansville, IN car insurance for you at a rate you can afford, contact a local member agent in the Trusted Choice® network.
- National average premium per year: $1,311
- Illinois average premium per year: $1,033
- 41st most expensive premiums in the US
Illinois residents can expect to pay considerably less than the national average, but keep in mind that this is just an estimate. The actual quotes from insurance companies will be based on a number of factors, such as your age and driving record, where and how often you drive, and other information that is unique to you.
Evansville, Indiana Car Insurance Requirements:
- Bodily injury liability: required
- Property damage liability: required
- Personal Injury Protection (PIP): not required
- Uninsured motorist: not required
- Minimum liability limits: 25/50/10
- Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.
I-64 and I-164 provide access to city attractions. The Veteran's Memorial Parkway may often be crowded with visitors to the downtown business district. With the addition of I-69 to the regional interstate system, Evansville can expect to see more traffic along the international trade corridor from Canada to Mexico. The location of several institutions of higher learning in the Evansville area, such as the University of Southern Indiana, provides many cultural and employment benefits, but residents may be subject to higher auto insurance premiums because of the college-age population.
If you use your car infrequently for trips to the banks of the Ohio River, or for weekends at Bosse Field, you may be eligible for discounts. If you have a short commute to one of the large corporations located in Evansville, this will also factor into your automobile insurance quote. If this is the case, you should shop for a competitive rate on your Indiana car insurance policy.
Finding Auto Insurance Discounts
Rates can be discounted with good driving records, college degrees, and shorter commutes. It is worthwhile to make an effort to compare car insurance quotes from several insurance agencies. Protect yourself and your property by purchasing adequate coverage, and you will enjoy peace of mind as a result.
You may also be eligible for discounts if you maintain all of your insurance policies with one company. You should check with a local independent agent for an evaluation of your policies.
If you have obtained an automobile loan for the purchase of your vehicle, your lender may have additional car insurance requirements.
Despite the clarity of Indiana law, it is estimated that 14.2% of Indiana motorists remain uninsured. This is higher than the national average of uninsured motorists, which is approximately 13%. When you are evaluating Evansville car insurance, you might want to consider adding optional uninsured motorists coverage.
Car Thefts in Evansville, Indiana
- National average number of vehicle thefts (per 1,000 registered vehicles): 2.94
- Inidana average number of vehicle thefts (per 1,000 registered vehicles): 2.36
Indiana boasts a smaller than average rate of vehicle thefts when compared to national averages. However, car theft in Evansville is still significant, with 547 car thefts reported recently. Some car models are more frequently stolen than others, and you may pay a higher premium if you drive one of those popular models.
Compare Evansville Auto Insurance Quotes Fast
When you are shopping for Evansville car insurance, consider your personal requirements, and realize that you may pay different premiums based on ZIP code, type of automobile, or even your credit rating. An independent agent in the Trusted Choice network can evaluate your needs and provide a number of options at the best price.
Independent agents can help you save you time and money as you navigate the maze of automobile insurance policy options. Find a local Trusted Choice member agent today who can present you with several Evansville auto insurance quotes to compare.