Compare Hardinsburg, IN Car Insurance Rates (2021)

Car insurance in Hardinsburg, IN averages $285 a month. Hardinsburg, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hardinsburg car insurance rates, compare quotes from the top car insurance companies in Hardinsburg, IN.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Hardinsburg, IN after a DUI are $4,043/year
  • Average car insurance rates in Hardinsburg, IN are $3,416/year
  • The cheapest car insurance company in Hardinsburg is USAA

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

You’ll find Hardinsburg car insurance rates, the cheapest Hardinsburg, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Hardinsburg, Indiana car insurance rates to Evansville car insurance rates, South Bend car insurance rates, and Gary car insurance rates.

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

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

How do age, gender, and marital status affect Hardinsburg, IN car insurance rates? Every Hardinsburg, 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 Hardinsburg, 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 $2,542 $2,610 $2,224 $2,434 $7,687 $9,672 $2,601 $2,827
American Family $2,473 $2,473 $2,219 $2,219 $6,768 $9,826 $2,473 $3,050
Farmers $1,482 $1,463 $1,269 $1,421 $7,852 $8,358 $1,944 $2,106
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $3,976 $3,976 $3,651 $3,651 $8,754 $13,239 $3,976 $5,466
Nationwide $1,766 $1,811 $1,543 $1,655 $5,118 $6,678 $2,068 $2,269
Progressive $1,808 $1,721 $1,630 $1,644 $10,394 $11,716 $2,270 $2,327
State Farm $1,622 $1,622 $1,434 $1,434 $4,780 $6,137 $1,788 $1,991
Travelers $1,181 $1,201 $1,112 $1,109 $7,321 $11,523 $1,252 $1,445
USAA $1,095 $1,079 $1,018 $1,026 $3,041 $3,402 $1,481 $1,587

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Hardinsburg, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Hardinsburg, Indiana

Insurance Company Poor Fair Good
Allstate $5,063 $3,753 $3,408
American Family $5,388 $3,498 $2,927
Farmers $3,780 $3,079 $2,851
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,772 $5,058 $4,678
Nationwide $3,263 $2,756 $2,572
Progressive $4,634 $4,086 $3,846
State Farm $3,791 $2,260 $1,752
Travelers $3,640 $3,084 $3,081
USAA $2,311 $1,528 $1,310

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

Annual Hardinsburg, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,258 $4,772 $4,399 $3,870
American Family $2,714 $4,320 $5,483 $3,234
Farmers $2,896 $3,378 $3,476 $3,198
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,581 $5,380 $8,346 $5,037
Nationwide $2,457 $3,179 $3,046 $2,772
Progressive $3,140 $5,488 $3,749 $4,377
State Farm $2,542 $2,777 $2,542 $2,542
Travelers $2,774 $3,433 $3,890 $2,976
USAA $1,297 $1,846 $2,117 $1,606

Cheapest Hardinsburg, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hardinsburg, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,687 $9,672
American Family $6,768 $9,826
Farmers $7,852 $8,358
GEICO $4,871 $4,549
Liberty Mutual $8,754 $13,239
Nationwide $5,118 $6,678
Progressive $10,394 $11,716
State Farm $4,780 $6,137
Travelers $7,321 $11,523
USAA $3,041 $3,402

Cheapest Hardinsburg, IN Car Insurance for Seniors

Take a look at Hardinsburg, 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 Hardinsburg, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,224 $2,434
American Family $2,219 $2,219
Farmers $1,269 $1,421
GEICO $1,547 $1,591
Liberty Mutual $3,651 $3,651
Nationwide $1,543 $1,655
Progressive $1,630 $1,644
State Farm $1,434 $1,434
Travelers $1,112 $1,109
USAA $1,018 $1,026

Cheapest Hardinsburg, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hardinsburg, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,399
American Family $5,483
Farmers $3,476
GEICO $3,385
Liberty Mutual $8,346
Nationwide $3,046
Progressive $3,749
State Farm $2,542
Travelers $3,890
USAA $2,117

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Hardinsburg, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hardinsburg, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,075 $4,075
American Family $3,890 $3,985
Farmers $3,237 $3,237
GEICO $2,392 $2,483
Liberty Mutual $5,680 $5,992
Nationwide $2,864 $2,864
Progressive $4,189 $4,189
State Farm $2,527 $2,675
Travelers $3,268 $3,268
USAA $1,693 $1,739

The Best Cheap Car Insurance Companies in Hardinsburg, IN

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

Average Annual Car Insurance Rates by Company in Hardinsburg, Indiana

Insurance Company Average Annual Rates
Allstate $4,075
American Family $3,938
Farmers $3,237
GEICO $2,438
Liberty Mutual $5,836
Nationwide $2,863
Progressive $4,189
State Farm $2,601
Travelers $3,268
USAA $1,716

Category Winners: Cheapest Car Insurance in Hardinsburg, Indiana

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

Best Annual Car Insurance Rates by Company in Hardinsburg, Indiana

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Hardinsburg, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Hardinsburg, Indiana

Insurance Company Low Medium High
Allstate $3,887 $4,060 $4,278
American Family $3,904 $4,068 $3,841
Farmers $3,126 $3,230 $3,354
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,675 $5,824 $6,009
Nationwide $2,921 $2,840 $2,830
Progressive $3,956 $4,123 $4,487
State Farm $2,492 $2,600 $2,711
Travelers $3,207 $3,299 $3,298
USAA $1,653 $1,712 $1,784

What affects car insurance rates in Hardinsburg, Indiana?

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

Commute Time in Hardinsburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Hardinsburg, IN is 28.6 minutes according to City-Data.

Compare Car Insurance Quotes in Hardinsburg, IN

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State