Insurance Costs in Evansville, IN
Auto insurance in Evansville averages $1,477 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Evansville, IN: What You Need to Know
Evansville residents pay an average of $1,477 per year for full coverage auto insurance, which is Near the Indiana state average and 11.8% below the national average.
With a population of 117,298, Evansville is a mid-size city in Indiana. Insurance rates here are typical for the state.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,477 | $123 |
| Standard Coverage (50/100/50) | $1,211 | $101 |
| State Minimum (25/50/25) | $620 | $52 |
Homeowners Insurance in Evansville, IN
The average cost of homeowners insurance in Evansville is $1,375 per year ($115/month), which is 24.5% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Evansville, IN
Renters insurance in Evansville averages $180 per year ($15/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Indiana Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Indianapolis | $1,709/yr | $1,650/yr |
| Fort Wayne | $1,376/yr | $1,345/yr |
| South Bend | $1,520/yr | $1,253/yr |
| Carmel | $1,231/yr | $1,711/yr |
| Fishers | $1,187/yr | $1,604/yr |
| Bloomington | $1,303/yr | $1,299/yr |
| Hammond | $1,622/yr | $1,253/yr |
| Lafayette | $1,376/yr | $1,253/yr |
How to Save on Insurance in Evansville
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Evansville can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Evansville, IN?
The average cost of car insurance in Evansville, IN is $1,477 per year for full coverage, or about $123 per month. Minimum coverage costs around $620 per year.
Is car insurance expensive in Evansville?
Car insurance in Evansville is relatively affordable compared to many U.S. cities.
How much is home insurance in Evansville?
Homeowners insurance in Evansville costs an average of $1,375 per year. Your actual cost depends on your home's value, age, construction type, and specific location.