Terre Haute drivers pay an average of $1,683/year — $88 less than the national average. With 762 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $411/year.
(888) 217-6781Estimated full coverage auto insurance rates for Terre Haute, IN from top carriers. Rates are adjusted for Terre Haute's 762 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $637 | $106/mo |
| Erie Insurance | $673 | $112/mo |
| Progressive | $721 | $120/mo |
| State Farm | $787 | $131/mo |
| Allstate | $956 | $159/mo |
Estimates based on 2026 rate filings for ZIP 47809. GEICO is cheapest at ~$106/mo. Actual rates vary by driver profile and exact Terre Haute location.
These Terre Haute-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Terre Haute, IN. Takes under 2 minutes.
(888) 217-6781With 58,389 residents, Terre Haute is a growing community in Indiana where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like tornadoes, severe thunderstorms, snow, ice, flooding and commuter corridors still influence premiums. Terre Haute drivers often find rates slightly below the Indiana state average.
For official Indiana insurance regulations, visit the Indiana Department of Insurance. For driver licensing, see the Indiana BMV.
Your specific ZIP code within Terre Haute can swing your premium by hundreds of dollars. Here's how rates compare across Terre Haute neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 47815 | Terre Haute South Side | $1,564/yr | $130/mo |
| 47813 | Terre Haute North Side | $1,641/yr | $137/mo |
| 47813 | Terre Haute West Side | $1,661/yr | $138/mo |
| 47815 | Terre Haute East Side | $1,687/yr | $141/mo |
| 47809 | Terre Haute Downtown/Central | $1,842/yr | $154/mo |
The cheapest ZIP is 47815 (Terre Haute South Side) at $1,564/yr. The most expensive is 47809 (Terre Haute Downtown/Central) at $1,842/yr — a $278/year difference for the same driver.
Your Terre Haute ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Terre Haute. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,534/yr | $295/mo | +110% vs avg |
| Young Adult (20-25) | $2,356/yr | $196/mo | +40% vs avg |
| Adult (26-35) | $1,683/yr | $140/mo | 0% vs avg |
| Mid-Career (36-50) | $1,481/yr | $123/mo | -12% vs avg |
| Senior (51-65) | $1,397/yr | $116/mo | -17% vs avg |
| 65+ | $1,498/yr | $125/mo | -11% vs avg |
Teens in Terre Haute pay an average of $3,534/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,397/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.
Terre Haute drivers can save up to $411/year. ZIP 47815 (Terre Haute South Side) has the lowest rates starting at $1,564/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes