Compare Cumberland, IN Car Insurance Rates (2021)

Car insurance in Cumberland, IN averages $298 a month. Cumberland, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Cumberland car insurance rates, compare quotes from the top car insurance companies in Cumberland, 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

  • Average car insurance rates in Cumberland, IN after a DUI are $4,243/year
  • The cheapest car insurance company in Cumberland for teen drivers is USAA
  • The cheapest car insurance company in Cumberland is USAA

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

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

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

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

How do age, gender, and marital status affect Cumberland, IN car insurance rates? Every Cumberland, 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 Cumberland, 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 $2,699 $2,764 $2,371 $2,596 $8,343 $10,534 $2,735 $2,975
American Family $2,485 $2,485 $2,243 $2,243 $6,998 $10,075 $2,485 $3,038
Farmers $1,469 $1,452 $1,256 $1,409 $7,833 $8,367 $1,933 $2,090
GEICO $1,855 $1,857 $1,745 $1,815 $5,592 $5,195 $2,133 $1,872
Liberty Mutual $4,033 $4,033 $3,714 $3,714 $8,718 $13,115 $4,033 $5,494
Nationwide $1,863 $1,902 $1,637 $1,743 $5,477 $7,090 $2,191 $2,392
Progressive $1,881 $1,778 $1,706 $1,717 $11,218 $12,614 $2,366 $2,409
State Farm $1,721 $1,721 $1,549 $1,549 $5,409 $6,901 $1,911 $2,131
Travelers $1,150 $1,169 $1,083 $1,082 $7,234 $11,437 $1,220 $1,401
USAA $1,204 $1,182 $1,128 $1,128 $3,442 $3,827 $1,625 $1,727

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Minimum Car Insurance in Cumberland, IN

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

Minimum Required Car Insurance Coverage in Cumberland, 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 Cumberland, IN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Cumberland, Indiana

Insurance Company Poor Fair Good
Allstate $5,435 $4,033 $3,663
American Family $5,489 $3,555 $2,976
Farmers $3,762 $3,071 $2,845
GEICO $3,323 $2,758 $2,193
Liberty Mutual $7,794 $5,078 $4,697
Nationwide $3,464 $2,919 $2,728
Progressive $4,911 $4,359 $4,114
State Farm $4,163 $2,489 $1,932
Travelers $3,585 $3,041 $3,040
USAA $2,563 $1,701 $1,460

Cheapest Cumberland, 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 Cumberland, IN to rates for a clean record with top companies.

Annual Cumberland, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,491 $5,135 $4,731 $4,152
American Family $2,766 $4,391 $5,576 $3,295
Farmers $2,886 $3,369 $3,464 $3,185
GEICO $1,796 $2,840 $3,899 $2,497
Liberty Mutual $4,507 $5,360 $8,571 $4,989
Nationwide $2,617 $3,362 $3,226 $2,942
Progressive $3,329 $5,893 $3,978 $4,645
State Farm $2,790 $3,075 $2,790 $2,790
Travelers $2,738 $3,382 $3,831 $2,936
USAA $1,435 $2,054 $2,360 $1,782

Cheapest Cumberland, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cumberland, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,343 $10,534
American Family $6,998 $10,075
Farmers $7,833 $8,367
GEICO $5,592 $5,195
Liberty Mutual $8,718 $13,115
Nationwide $5,477 $7,090
Progressive $11,218 $12,614
State Farm $5,409 $6,901
Travelers $7,234 $11,437
USAA $3,442 $3,827

Cheapest Cumberland, IN Car Insurance for Seniors

Take a look at Cumberland, 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 Cumberland, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,371 $2,596
American Family $2,243 $2,243
Farmers $1,256 $1,409
GEICO $1,745 $1,815
Liberty Mutual $3,714 $3,714
Nationwide $1,637 $1,743
Progressive $1,706 $1,717
State Farm $1,549 $1,549
Travelers $1,083 $1,082
USAA $1,128 $1,128

Cheapest Cumberland, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cumberland, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,731
American Family $5,576
Farmers $3,464
GEICO $3,899
Liberty Mutual $8,571
Nationwide $3,226
Progressive $3,978
State Farm $2,790
Travelers $3,831
USAA $2,360

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Cheapest Cumberland, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cumberland, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,377 $4,377
American Family $3,958 $4,055
Farmers $3,226 $3,226
GEICO $2,711 $2,805
Liberty Mutual $5,703 $6,010
Nationwide $3,037 $3,037
Progressive $4,461 $4,461
State Farm $2,782 $2,941
Travelers $3,222 $3,222
USAA $1,883 $1,933

The Best Cheap Car Insurance Companies in Cumberland, IN

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

Average Annual Car Insurance Rates by Company in Cumberland, Indiana

Insurance Company Average Annual Rates
Allstate $4,377
American Family $4,007
Farmers $3,226
GEICO $2,758
Liberty Mutual $5,857
Nationwide $3,037
Progressive $4,461
State Farm $2,861
Travelers $3,222
USAA $1,908

Category Winners: Cheapest Car Insurance in Cumberland, Indiana

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

Best Annual Car Insurance Rates by Company in Cumberland, Indiana

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

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Cheapest Cumberland, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cumberland, Indiana

Insurance Company Low Medium High
Allstate $4,162 $4,356 $4,613
American Family $3,955 $4,138 $3,927
Farmers $3,122 $3,222 $3,335
GEICO $2,586 $2,751 $2,936
Liberty Mutual $5,643 $5,839 $6,088
Nationwide $3,075 $3,012 $3,024
Progressive $4,198 $4,387 $4,798
State Farm $2,717 $2,861 $3,006
Travelers $3,157 $3,252 $3,257
USAA $1,836 $1,903 $1,984

What affects car insurance rates in Cumberland, Indiana?

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

Car Theft in Cumberland

High levels of vehicle theft can make car insurance more expensive. Cumberland, IN car theft statistics from the FBI indicate 9 vehicle thefts a year.

Commute Time in Cumberland

The more time you spend in your car the higher the risk of an accident. The average commute length in Cumberland, IN is 25.9 minutes according to City-Data.

Traffic in Cumberland

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cumberland, IN traffic data from INRIX ranks Cumberland as the 936th-most congested in the world.

Compare Car Insurance Quotes in Cumberland, IN

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

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Average Monthly Car Insurance Rates by State