Compare Kokomo, IN Car Insurance Rates (2021)

Car insurance in Kokomo, IN averages $276 a month. Kokomo, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Kokomo car insurance rates, compare quotes from the top car insurance companies in Kokomo, 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 Kokomo is USAA
  • Average car insurance rates in Kokomo, IN are $3,313/year
  • The cheapest ZIP code in Kokomo is 46902

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

You’ll find Kokomo car insurance rates, the cheapest Kokomo, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Kokomo, Indiana car insurance rates to Indianapolis car insurance rates, Fishers car insurance rates, and Fort Wayne car insurance rates.

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

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

How do age, gender, and marital status affect Kokomo, IN car insurance rates? Every Kokomo, 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 Kokomo, 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 $2,412 $2,465 $2,125 $2,324 $7,574 $9,570 $2,433 $2,646
American Family $2,368 $2,368 $2,132 $2,132 $6,614 $9,551 $2,368 $2,905
Farmers $1,599 $1,581 $1,367 $1,534 $8,563 $9,149 $2,108 $2,278
GEICO $1,471 $1,469 $1,384 $1,439 $4,389 $4,074 $1,688 $1,482
Liberty Mutual $3,719 $3,719 $3,424 $3,424 $8,058 $12,131 $3,719 $5,073
Nationwide $1,788 $1,824 $1,566 $1,670 $5,314 $6,891 $2,108 $2,305
Progressive $1,633 $1,539 $1,485 $1,494 $9,729 $10,911 $2,045 $2,075
State Farm $1,416 $1,416 $1,273 $1,273 $4,439 $5,678 $1,574 $1,749
Travelers $1,251 $1,271 $1,179 $1,177 $7,997 $12,687 $1,328 $1,521
USAA $996 $979 $932 $935 $2,822 $3,141 $1,345 $1,433

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Minimum Car Insurance in Kokomo, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Kokomo, Indiana

Insurance Company Poor Fair Good
Allstate $4,879 $3,642 $3,309
American Family $5,211 $3,376 $2,826
Farmers $4,107 $3,354 $3,106
GEICO $2,615 $2,174 $1,734
Liberty Mutual $7,202 $4,688 $4,336
Nationwide $3,340 $2,818 $2,642
Progressive $4,250 $3,776 $3,565
State Farm $3,427 $2,044 $1,585
Travelers $3,951 $3,352 $3,351
USAA $2,115 $1,402 $1,203

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

Annual Kokomo, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,136 $4,627 $4,270 $3,741
American Family $2,622 $4,176 $5,296 $3,125
Farmers $3,149 $3,680 $3,783 $3,477
GEICO $1,419 $2,246 $3,067 $1,965
Liberty Mutual $4,162 $4,950 $7,914 $4,608
Nationwide $2,522 $3,252 $3,119 $2,841
Progressive $2,892 $5,097 $3,449 $4,017
State Farm $2,294 $2,527 $2,294 $2,294
Travelers $3,017 $3,728 $4,224 $3,236
USAA $1,185 $1,692 $1,943 $1,472

Cheapest Kokomo, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Kokomo, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,574 $9,570
American Family $6,614 $9,551
Farmers $8,563 $9,149
GEICO $4,389 $4,074
Liberty Mutual $8,058 $12,131
Nationwide $5,314 $6,891
Progressive $9,729 $10,911
State Farm $4,439 $5,678
Travelers $7,997 $12,687
USAA $2,822 $3,141

Cheapest Kokomo, IN Car Insurance for Seniors

Take a look at Kokomo, 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 Kokomo, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,125 $2,324
American Family $2,132 $2,132
Farmers $1,367 $1,534
GEICO $1,384 $1,439
Liberty Mutual $3,424 $3,424
Nationwide $1,566 $1,670
Progressive $1,485 $1,494
State Farm $1,273 $1,273
Travelers $1,179 $1,177
USAA $932 $935

Cheapest Kokomo, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Kokomo, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,270
American Family $5,296
Farmers $3,783
GEICO $3,067
Liberty Mutual $7,914
Nationwide $3,119
Progressive $3,449
State Farm $2,294
Travelers $4,224
USAA $1,943

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Cheapest Kokomo, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Kokomo, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,944 $3,944
American Family $3,759 $3,851
Farmers $3,522 $3,522
GEICO $2,138 $2,211
Liberty Mutual $5,267 $5,550
Nationwide $2,934 $2,934
Progressive $3,864 $3,864
State Farm $2,285 $2,419
Travelers $3,551 $3,551
USAA $1,552 $1,594

Cheapest Kokomo, IN Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Kokomo, Indiana

ZIP Code Average Annual Rates
46901 $3,242
46902 $3,216

The Best Cheap Car Insurance Companies in Kokomo, IN

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

Average Annual Car Insurance Rates by Company in Kokomo, Indiana

Insurance Company Average Annual Rates
Allstate $3,944
American Family $3,805
Farmers $3,522
GEICO $2,174
Liberty Mutual $5,409
Nationwide $2,934
Progressive $3,864
State Farm $2,352
Travelers $3,551
USAA $1,573

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Category Winners: Cheapest Car Insurance in Kokomo, Indiana

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

Best Annual Car Insurance Rates by Company in Kokomo, 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 Kokomo, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Kokomo, Indiana

Insurance Company Low Medium High
Allstate $3,750 $3,928 $4,152
American Family $3,761 $3,930 $3,723
Farmers $3,409 $3,517 $3,641
GEICO $2,040 $2,168 $2,315
Liberty Mutual $5,206 $5,394 $5,626
Nationwide $2,956 $2,913 $2,932
Progressive $3,641 $3,801 $4,150
State Farm $2,228 $2,352 $2,477
Travelers $3,467 $3,585 $3,602
USAA $1,514 $1,569 $1,635

What affects car insurance rates in Kokomo, Indiana?

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

Car Theft in Kokomo

High levels of vehicle theft can make car insurance more expensive. Kokomo, IN car theft statistics from the FBI indicate 81 vehicle thefts a year.

Commute Time in Kokomo

The more time you spend in your car the higher the risk of an accident. The average commute length in Kokomo, IN is 18.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Kokomo, IN

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

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Average Monthly Car Insurance Rates by State