Compare Memphis, IN Car Insurance Rates (2021)

Car insurance in Memphis, IN averages $299 a month. Memphis, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Memphis car insurance rates, compare quotes from the top car insurance companies in Memphis, 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 Memphis, IN are $3,587/year
  • The cheapest car insurance company in Memphis for teen drivers is USAA
  • The cheapest car insurance company in Memphis is USAA

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

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

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

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

How do age, gender, and marital status affect Memphis, IN car insurance rates? Every Memphis, 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 Memphis, 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 $2,403 $2,462 $2,112 $2,314 $7,387 $9,342 $2,438 $2,645
American Family $2,473 $2,473 $2,219 $2,219 $6,768 $9,826 $2,473 $3,050
Farmers $1,624 $1,599 $1,390 $1,567 $8,953 $9,585 $2,151 $2,314
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $4,048 $4,048 $3,718 $3,718 $8,901 $13,457 $4,048 $5,562
Nationwide $2,022 $2,067 $1,766 $1,887 $6,062 $7,878 $2,388 $2,615
Progressive $1,913 $1,810 $1,736 $1,746 $11,393 $12,838 $2,404 $2,448
State Farm $1,634 $1,634 $1,454 $1,454 $4,945 $6,339 $1,807 $2,011
Travelers $1,291 $1,314 $1,211 $1,211 $8,035 $12,706 $1,367 $1,582
USAA $1,206 $1,189 $1,129 $1,137 $3,378 $3,760 $1,636 $1,747

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Minimum Car Insurance in Memphis, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Memphis, Indiana

Insurance Company Poor Fair Good
Allstate $4,821 $3,584 $3,259
American Family $5,388 $3,498 $2,927
Farmers $4,251 $3,472 $3,221
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,907 $5,146 $4,759
Nationwide $3,804 $3,206 $2,998
Progressive $4,996 $4,431 $4,181
State Farm $3,877 $2,311 $1,791
Travelers $3,997 $3,387 $3,385
USAA $2,540 $1,695 $1,458

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

Annual Memphis, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,106 $4,563 $4,197 $3,685
American Family $2,714 $4,320 $5,483 $3,234
Farmers $3,272 $3,792 $3,921 $3,607
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,653 $5,470 $8,508 $5,119
Nationwide $2,862 $3,702 $3,548 $3,229
Progressive $3,374 $6,009 $4,035 $4,726
State Farm $2,597 $2,847 $2,597 $2,597
Travelers $3,049 $3,768 $4,270 $3,271
USAA $1,431 $2,046 $2,339 $1,775

Cheapest Memphis, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Memphis, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,387 $9,342
American Family $6,768 $9,826
Farmers $8,953 $9,585
GEICO $4,871 $4,549
Liberty Mutual $8,901 $13,457
Nationwide $6,062 $7,878
Progressive $11,393 $12,838
State Farm $4,945 $6,339
Travelers $8,035 $12,706
USAA $3,378 $3,760

Cheapest Memphis, IN Car Insurance for Seniors

Take a look at Memphis, 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 Memphis, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,112 $2,314
American Family $2,219 $2,219
Farmers $1,390 $1,567
GEICO $1,547 $1,591
Liberty Mutual $3,718 $3,718
Nationwide $1,766 $1,887
Progressive $1,736 $1,746
State Farm $1,454 $1,454
Travelers $1,211 $1,211
USAA $1,129 $1,137

Cheapest Memphis, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Memphis, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,197
American Family $5,483
Farmers $3,921
GEICO $3,385
Liberty Mutual $8,508
Nationwide $3,548
Progressive $4,035
State Farm $2,597
Travelers $4,270
USAA $2,339

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Cheapest Memphis, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Memphis, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,888 $3,888
American Family $3,890 $3,985
Farmers $3,648 $3,648
GEICO $2,392 $2,483
Liberty Mutual $5,779 $6,096
Nationwide $3,336 $3,336
Progressive $4,536 $4,536
State Farm $2,584 $2,735
Travelers $3,590 $3,590
USAA $1,873 $1,923

The Best Cheap Car Insurance Companies in Memphis, IN

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

Average Annual Car Insurance Rates by Company in Memphis, Indiana

Insurance Company Average Annual Rates
Allstate $3,888
American Family $3,938
Farmers $3,648
GEICO $2,438
Liberty Mutual $5,937
Nationwide $3,336
Progressive $4,536
State Farm $2,660
Travelers $3,590
USAA $1,898

Category Winners: Cheapest Car Insurance in Memphis, Indiana

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

Best Annual Car Insurance Rates by Company in Memphis, Indiana

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

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Cheapest Memphis, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Memphis, Indiana

Insurance Company Low Medium High
Allstate $3,687 $3,873 $4,104
American Family $3,904 $4,068 $3,841
Farmers $3,497 $3,641 $3,807
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,768 $5,924 $6,121
Nationwide $3,380 $3,311 $3,316
Progressive $4,231 $4,450 $4,926
State Farm $2,536 $2,659 $2,784
Travelers $3,518 $3,623 $3,627
USAA $1,813 $1,892 $1,988

What affects car insurance rates in Memphis, Indiana?

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

Commute Time in Memphis

The more time you spend in your car the higher the risk of an accident. The average commute length in Memphis, IN is 29.5 minutes according to City-Data.

Traffic in Memphis

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Memphis, IN traffic data from INRIX ranks Memphis as the 626th-most congested in the world.

Compare Car Insurance Quotes in Memphis, IN

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

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Average Monthly Car Insurance Rates by State