Compare Carmel, IN Car Insurance Rates (2021)

Car insurance in Carmel, IN averages $256 a month. Carmel, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Carmel car insurance rates, compare quotes from the top car insurance companies in Carmel, IN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Carmel for teen drivers is USAA
  • Average car insurance rates in Carmel, IN are $3,071/year
  • The cheapest ZIP code in Carmel is 46033

If you need to buy Carmel, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Carmel, IN is right here.

You’ll find Carmel car insurance rates, the cheapest Carmel, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Carmel, Indiana car insurance rates to Hammond car insurance rates, Indianapolis car insurance rates, and Evansville car insurance rates.

Ready to find affordable Carmel, IN car insurance today? Enter your ZIP code for fast, free Carmel car insurance quotes.

Cheapest Carmel, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Carmel, IN car insurance rates? Every Carmel, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Carmel, Indiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,102 $2,142 $1,864 $2,038 $6,649 $8,433 $2,096 $2,277
American Family $2,234 $2,234 $2,018 $2,018 $6,339 $9,118 $2,234 $2,731
Farmers $1,438 $1,420 $1,225 $1,377 $7,790 $8,311 $1,904 $2,061
GEICO $1,505 $1,497 $1,416 $1,469 $4,487 $4,160 $1,728 $1,514
Liberty Mutual $3,231 $3,231 $2,977 $2,977 $6,970 $10,480 $3,231 $4,398
Nationwide $1,519 $1,549 $1,337 $1,421 $4,457 $5,760 $1,786 $1,947
Progressive $1,596 $1,500 $1,452 $1,463 $9,494 $10,616 $1,993 $2,014
State Farm $1,400 $1,400 $1,260 $1,260 $4,425 $5,653 $1,557 $1,733
Travelers $1,195 $1,214 $1,127 $1,124 $7,558 $11,939 $1,270 $1,456
USAA $1,014 $995 $950 $950 $2,899 $3,223 $1,368 $1,454

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Minimum Car Insurance in Carmel, IN

Every driver must carry the minimum car insurance in Carmel, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Carmel, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Carmel, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Carmel, IN. Compare credit history car insurance rates in Carmel from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Carmel, Indiana

Insurance Company Poor Fair Good
Allstate $4,253 $3,192 $2,906
American Family $4,959 $3,207 $2,682
Farmers $3,719 $3,038 $2,815
GEICO $2,673 $2,222 $1,771
Liberty Mutual $6,239 $4,063 $3,758
Nationwide $2,812 $2,377 $2,228
Progressive $4,141 $3,681 $3,476
State Farm $3,404 $2,030 $1,574
Travelers $3,738 $3,172 $3,171
USAA $2,160 $1,432 $1,228

Cheapest Carmel, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Carmel, IN to rates for a clean record with top companies.

Annual Carmel, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,749 $4,053 $3,731 $3,268
American Family $2,491 $3,972 $5,032 $2,969
Farmers $2,851 $3,334 $3,430 $3,148
GEICO $1,445 $2,302 $3,141 $2,001
Liberty Mutual $3,591 $4,282 $6,893 $3,981
Nationwide $2,133 $2,735 $2,625 $2,395
Progressive $2,823 $4,965 $3,365 $3,912
State Farm $2,278 $2,511 $2,278 $2,278
Travelers $2,856 $3,528 $3,995 $3,062
USAA $1,209 $1,729 $1,987 $1,502

Cheapest Carmel, IN Car Insurance for Teen Drivers

Teen car insurance in Carmel, IN can be expensive. Take a look at rates from the top car insurance companies in Carmel for teenagers.

Annual Car Insurance Rates for Teen Drivers in Carmel, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,649 $8,433
American Family $6,339 $9,118
Farmers $7,790 $8,311
GEICO $4,487 $4,160
Liberty Mutual $6,970 $10,480
Nationwide $4,457 $5,760
Progressive $9,494 $10,616
State Farm $4,425 $5,653
Travelers $7,558 $11,939
USAA $2,899 $3,223

Cheapest Carmel, IN Car Insurance for Seniors

Take a look at Carmel, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Carmel, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,864 $2,038
American Family $2,018 $2,018
Farmers $1,225 $1,377
GEICO $1,416 $1,469
Liberty Mutual $2,977 $2,977
Nationwide $1,337 $1,421
Progressive $1,452 $1,463
State Farm $1,260 $1,260
Travelers $1,127 $1,124
USAA $950 $950

Cheapest Carmel, IN Car Insurance Rates After a DUI

A DUI in Carmel, IN increases car insurance rates. Compare Carmel, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Carmel, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,731
American Family $5,032
Farmers $3,430
GEICO $3,141
Liberty Mutual $6,893
Nationwide $2,625
Progressive $3,365
State Farm $2,278
Travelers $3,995
USAA $1,987

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Cheapest Carmel, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Carmel, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Carmel, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,450 $3,450
American Family $3,572 $3,660
Farmers $3,191 $3,191
GEICO $2,186 $2,258
Liberty Mutual $4,564 $4,809
Nationwide $2,472 $2,472
Progressive $3,766 $3,766
State Farm $2,270 $2,402
Travelers $3,360 $3,360
USAA $1,586 $1,628

Cheapest Carmel, IN Car Insurance Rates by ZIP Code

Carmel car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Carmel, IN.

Annual Car Insurance Rates by ZIP Code in Carmel, Indiana

ZIP Code Average Annual Rates
46032 $3,015
46033 $2,999

The Best Cheap Car Insurance Companies in Carmel, IN

Take a look at a side-by-side comparison of the top car insurance companies in Carmel, IN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Carmel, Indiana

Insurance Company Average Annual Rates
Allstate $3,450
American Family $3,616
Farmers $3,191
GEICO $2,222
Liberty Mutual $4,687
Nationwide $2,472
Progressive $3,766
State Farm $2,336
Travelers $3,360
USAA $1,607

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Category Winners: Cheapest Car Insurance in Carmel, Indiana

Find the cheapest car insurance companies in Carmel, IN for each category right here.

Best Annual Car Insurance Rates by Company in Carmel, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Carmel, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Carmel car insurance rates. Find the cheapest Carmel, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Carmel, Indiana

Insurance Company Low Medium High
Allstate $3,271 $3,435 $3,645
American Family $3,565 $3,735 $3,548
Farmers $3,087 $3,186 $3,299
GEICO $2,092 $2,216 $2,359
Liberty Mutual $4,504 $4,673 $4,883
Nationwide $2,502 $2,454 $2,460
Progressive $3,555 $3,707 $4,037
State Farm $2,214 $2,336 $2,459
Travelers $3,297 $3,391 $3,393
USAA $1,548 $1,603 $1,669

What affects car insurance rates in Carmel, Indiana?

What factors can have an impact on Carmel, IN car insurance? There are several reasons why Carmel car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Carmel, Indiana.

Car Theft in Carmel

High levels of vehicle theft can make car insurance more expensive. Carmel, IN car theft statistics from the FBI indicate 60 vehicle thefts a year.

Commute Time in Carmel

The more time you spend in your car the higher the risk of an accident. The average commute length in Carmel, IN is 24.0 minutes according to City-Data.

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Compare Car Insurance Quotes in Carmel, IN

Ready to find affordable Carmel, Indiana car insurance today? Enter your ZIP code for fast, free Carmel, IN car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State