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Cheap Auto Insurance in Crawfordsville, IN

Crawfordsville drivers pay an average of $1,526/year β€” $245 less than the national average. With 176 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $254/year.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
πŸŽ–οΈ U.S. Military Veteran πŸ“‹ Licensed in 50 States πŸ• 15+ Years Experience πŸ“… Updated: April 10, 2026

Crawfordsville, IN Auto Insurance Rates by Carrier (2026)

Estimated full coverage auto insurance rates for Crawfordsville, IN from top carriers. Rates are adjusted for Crawfordsville's 176 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:

Insurance Company6-Month PremiumMonthly Cost
GEICO ⭐$578$96/mo
Erie Insurance$610$102/mo
Progressive$654$109/mo
State Farm$714$119/mo
Allstate$867$144/mo

Estimates based on 2026 rate filings for ZIP 47933. GEICO is cheapest at ~$96/mo. Actual rates vary by driver profile and exact Crawfordsville location.

Crawfordsville Driving Safety & Insurance Stats

These Crawfordsville-specific safety and risk statistics directly impact what you pay for auto insurance:

$1,526
Avg. Annual Premium
176
Crashes Per Year
2
Fatal Crashes/Year
48
DUI Arrests/Year
1.9 per 1,000
Vehicle Thefts
11%
Uninsured Drivers
22.1 min
Avg. Commute
16K
Population

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Auto Insurance in Crawfordsville: What Drives Your Rate

Crawfordsville is a smaller city in Indiana with a population of 16,306. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, snow, ice, flooding, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Crawfordsville.

Key Risk Factors in Crawfordsville

For official Indiana insurance regulations, visit the Indiana Department of Insurance. For driver licensing, see the Indiana BMV.

Auto Insurance Rates by ZIP Code in Crawfordsville, IN

Your specific ZIP code within Crawfordsville can swing your premium by hundreds of dollars. Here's how rates compare across Crawfordsville neighborhoods:

ZIP CodeNeighborhoodAvg. AnnualMonthly
47945Crawfordsville South Side$1,459/yr$122/mo
47935Crawfordsville North Side$1,481/yr$123/mo
47953Crawfordsville West Side$1,498/yr$125/mo
47939Crawfordsville East Side$1,573/yr$131/mo
47933Crawfordsville Downtown/Central$1,672/yr$139/mo

The cheapest ZIP is 47945 (Crawfordsville South Side) at $1,459/yr. The most expensive is 47933 (Crawfordsville Downtown/Central) at $1,672/yr β€” a $213/year difference for the same driver.

πŸŽ–οΈ Live in Crawfordsville South Side or Crawfordsville Downtown/Central?

Your Crawfordsville ZIP code matters. Call for a rate specific to your exact location.

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Auto Insurance Rates by Age in Crawfordsville, IN

Age is one of the biggest rating factors in Crawfordsville. Here's how rates differ by age group:

Age GroupAvg. AnnualMonthlyvs. City Avg
Teen (16-19)$3,205/yr$267/mo+110% vs avg
Young Adult (20-25)$2,136/yr$178/mo+40% vs avg
Adult (26-35)$1,526/yr$127/mo0% vs avg
Mid-Career (36-50)$1,343/yr$112/mo-12% vs avg
Senior (51-65)$1,267/yr$106/mo-17% vs avg
65+$1,358/yr$113/mo-11% vs avg

Teens in Crawfordsville pay an average of $3,205/year β€” 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,267/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.

How to Get the Cheapest Auto Insurance in Crawfordsville

Indiana Auto Insurance Guides

πŸ“„ Cheap Car Insuranceβ€Ί πŸ“„ Minimum Coverageβ€Ί πŸ“„ Full Coverageβ€Ί πŸ“„ SR-22 Insuranceβ€Ί πŸ“„ No Deposit Insuranceβ€Ί πŸ“„ Liability Insuranceβ€Ί πŸ“„ Collision Insuranceβ€Ί πŸ“„ Comprehensive Insuranceβ€Ί πŸ“„ Uninsured Motorist Insuranceβ€Ί πŸ“„ PIP Insuranceβ€Ί πŸ“„ Gap Insuranceβ€Ί πŸ“„ Non-Owner Car Insuranceβ€Ί πŸ“„ Teen Driver Insuranceβ€Ί πŸ“„ Senior Driver Insuranceβ€Ί πŸ“„ Military Car Insuranceβ€Ί πŸ“„ High Risk Auto Insuranceβ€Ί πŸ“„ First-Time Driver Insuranceβ€Ί πŸ“„ Insurance After DUIβ€Ί πŸ“„ Bad Credit Car Insuranceβ€Ί πŸ“„ Multi-Car Insuranceβ€Ί πŸ“„ Rideshare Insuranceβ€Ί πŸ“„ Car Insurance Discountsβ€Ί πŸ“„ Bundle Home & Autoβ€Ί πŸ“„ Pay-Per-Mile Insuranceβ€Ί πŸ“„ Same-Day Car Insuranceβ€Ί πŸ“„ Month-to-Month Insuranceβ€Ί πŸ“„ Insurance After Accidentβ€Ί πŸ“„ Electric Vehicle Insuranceβ€Ί

More Indiana Cities

Compare auto insurance rates in other Indiana cities:

Crawfordsville, IN Auto Insurance FAQ

How much is car insurance in Crawfordsville, IN?
The average annual auto insurance premium in Crawfordsville is $1,526, which is $245 below the national average. Rates range from $1,459/yr in Crawfordsville South Side (ZIP 47945) to $1,672/yr in Crawfordsville Downtown/Central (ZIP 47933). Your driving record, age, vehicle, and exact ZIP code all affect your rate.
Who has the cheapest auto insurance in Crawfordsville?
GEICO typically offers the cheapest full coverage in Crawfordsville at around $96/month. However, with 176 annual crashes and a 11% uninsured driver rate in Crawfordsville, rates vary widely β€” comparing quotes from multiple companies is essential. Call (888) 217-6781 for a free comparison.
What auto insurance is required in Crawfordsville, IN?
Crawfordsville follows Indiana state law requiring minimum liability of 25/50/25. However, with 176 crashes per year and 2 fatal crashes annually in Crawfordsville, experts recommend at least 50/100/50 coverage plus comprehensive and collision to protect against Crawfordsville's risks including tornadoes, severe thunderstorms, snow, ice, flooding.
Can I get a free auto insurance quote for Crawfordsville?
Yes! Call Rate Reduction Insurance at (888) 217-6781 for a free, no-obligation quote. Our licensed agents compare 5+ carriers to find the cheapest rate for your specific Crawfordsville ZIP code β€” whether you're in Crawfordsville South Side or Crawfordsville Downtown/Central. Most quotes take under 2 minutes.
Why is car insurance affordable in Crawfordsville?
Crawfordsville has 176 crashes per year, 48 DUI arrests annually, and a vehicle theft rate of 1.9 per 1,000. Despite these factors, Crawfordsville's 22.1 min average commute and lower traffic density help keep rates manageable compared to larger metro areas. Comparing quotes regularly is the best way to save.
What ZIP code has the cheapest car insurance in Crawfordsville?
ZIP code 47945 (Crawfordsville South Side) tends to have the lowest rates in Crawfordsville at around $1,459/year. The most expensive area is Crawfordsville Downtown/Central (ZIP 47933) at $1,672/year β€” a difference of $213/year for the same driver profile.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Indiana Department of Insurance β€” official state insurance regulator for Indiana.
  3. National Association of Insurance Commissioners (NAIC) β€” national insurance data and consumer resources.
  4. Indiana BMV β€” Indiana vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) β€” independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) β€” crash and safety statistics.
  7. NHTSA FARS Database β€” fatal crash and DUI arrest data by state and locality.

Stop Overpaying for Auto Insurance in Crawfordsville

Crawfordsville drivers can save up to $254/year. ZIP 47945 (Crawfordsville South Side) has the lowest rates starting at $1,459/yr.

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