Evansville drivers pay an average of $1,770/year — $1 less than the national average. With 1,416 crashes per year and a 2.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $498/year.
(888) 217-6781Estimated full coverage auto insurance rates for Evansville, IN from top carriers. Rates are adjusted for Evansville's 1,416 annual crashes, 2.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $670 | $112/mo |
| Erie Insurance | $708 | $118/mo |
| Progressive | $759 | $126/mo |
| State Farm | $828 | $138/mo |
| Allstate | $1,005 | $168/mo |
Estimates based on 2026 rate filings for ZIP 47708. GEICO is cheapest at ~$112/mo. Actual rates vary by driver profile and exact Evansville location.
These Evansville-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Evansville, IN. Takes under 2 minutes.
(888) 217-6781Evansville is a mid-size city in Indiana with a population of 117,298. While it avoids the extreme congestion of larger metros, Evansville has its own risk factors — growing commuter traffic, expanding development, and tornadoes, severe thunderstorms, snow, ice, flooding — that shape local auto insurance rates. Drivers in Evansville typically pay close to the Indiana state average, with significant variation by ZIP code and neighborhood.
For official Indiana insurance regulations, visit the Indiana Department of Insurance. For driver licensing, see the Indiana BMV.
Your specific ZIP code within Evansville can swing your premium by hundreds of dollars. Here's how rates compare across Evansville neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 47723 | Evansville South Side | $1,651/yr | $138/mo |
| 47711 | Evansville North Side | $1,732/yr | $144/mo |
| 47712 | Evansville West Side | $1,732/yr | $144/mo |
| 47716 | Evansville East Side | $1,822/yr | $152/mo |
| 47708 | Evansville Downtown/Central | $1,902/yr | $159/mo |
The cheapest ZIP is 47723 (Evansville South Side) at $1,651/yr. The most expensive is 47708 (Evansville Downtown/Central) at $1,902/yr — a $251/year difference for the same driver.
Your Evansville ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Evansville. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,717/yr | $310/mo | +110% vs avg |
| Young Adult (20-25) | $2,478/yr | $207/mo | +40% vs avg |
| Adult (26-35) | $1,770/yr | $148/mo | 0% vs avg |
| Mid-Career (36-50) | $1,558/yr | $130/mo | -12% vs avg |
| Senior (51-65) | $1,469/yr | $122/mo | -17% vs avg |
| 65+ | $1,575/yr | $131/mo | -11% vs avg |
Teens in Evansville pay an average of $3,717/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,469/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Indiana cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Evansville drivers can save up to $498/year. ZIP 47723 (Evansville South Side) has the lowest rates starting at $1,651/yr.
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