Compare Muncie, IN Car Insurance Rates (2021)

Car insurance in Muncie, IN averages $252 a month. Muncie, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Muncie car insurance rates, compare quotes from the top car insurance companies in Muncie, 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 Muncie, IN are $3,018/year
  • The cheapest ZIP code in Muncie is 47304
  • The cheapest car insurance company in Muncie is USAA

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

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

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

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

How do age, gender, and marital status affect Muncie, IN car insurance rates? Every Muncie, 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 Muncie, 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 $2,192 $2,235 $1,941 $2,119 $6,937 $8,777 $2,208 $2,393
American Family $2,145 $2,145 $1,930 $1,930 $5,978 $8,627 $2,145 $2,616
Farmers $1,442 $1,424 $1,232 $1,385 $7,740 $8,248 $1,902 $2,057
GEICO $1,339 $1,335 $1,264 $1,314 $3,941 $3,651 $1,531 $1,343
Liberty Mutual $3,528 $3,528 $3,247 $3,247 $7,658 $11,535 $3,528 $4,816
Nationwide $1,622 $1,658 $1,423 $1,518 $4,746 $6,156 $1,905 $2,082
Progressive $1,516 $1,429 $1,379 $1,385 $9,031 $10,152 $1,899 $1,933
State Farm $1,349 $1,349 $1,210 $1,210 $4,197 $5,366 $1,497 $1,667
Travelers $1,035 $1,052 $976 $973 $6,372 $10,020 $1,097 $1,262
USAA $990 $974 $921 $926 $2,773 $3,100 $1,336 $1,428

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Minimum Car Insurance in Muncie, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Muncie, Indiana

Insurance Company Poor Fair Good
Allstate $4,447 $3,327 $3,026
American Family $4,710 $3,052 $2,557
Farmers $3,710 $3,025 $2,802
GEICO $2,361 $1,965 $1,569
Liberty Mutual $6,838 $4,452 $4,117
Nationwide $3,004 $2,538 $2,374
Progressive $3,952 $3,508 $3,311
State Farm $3,250 $1,939 $1,503
Travelers $3,171 $2,688 $2,686
USAA $2,101 $1,383 $1,184

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

Annual Muncie, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,861 $4,224 $3,903 $3,414
American Family $2,369 $3,784 $4,782 $2,823
Farmers $2,841 $3,320 $3,417 $3,138
GEICO $1,288 $2,031 $2,761 $1,780
Liberty Mutual $3,963 $4,705 $7,491 $4,383
Nationwide $2,271 $2,924 $2,804 $2,556
Progressive $2,690 $4,726 $3,209 $3,737
State Farm $2,176 $2,394 $2,176 $2,176
Travelers $2,421 $2,991 $3,387 $2,595
USAA $1,175 $1,671 $1,921 $1,457

Cheapest Muncie, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Muncie, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,937 $8,777
American Family $5,978 $8,627
Farmers $7,740 $8,248
GEICO $3,941 $3,651
Liberty Mutual $7,658 $11,535
Nationwide $4,746 $6,156
Progressive $9,031 $10,152
State Farm $4,197 $5,366
Travelers $6,372 $10,020
USAA $2,773 $3,100

Cheapest Muncie, IN Car Insurance for Seniors

Take a look at Muncie, 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 Muncie, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,941 $2,119
American Family $1,930 $1,930
Farmers $1,232 $1,385
GEICO $1,264 $1,314
Liberty Mutual $3,247 $3,247
Nationwide $1,423 $1,518
Progressive $1,379 $1,385
State Farm $1,210 $1,210
Travelers $976 $973
USAA $921 $926

Cheapest Muncie, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Muncie, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,903
American Family $4,782
Farmers $3,417
GEICO $2,761
Liberty Mutual $7,491
Nationwide $2,804
Progressive $3,209
State Farm $2,176
Travelers $3,387
USAA $1,921

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Cheapest Muncie, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Muncie, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,600 $3,600
American Family $3,398 $3,482
Farmers $3,179 $3,179
GEICO $1,931 $1,998
Liberty Mutual $5,000 $5,271
Nationwide $2,639 $2,639
Progressive $3,590 $3,590
State Farm $2,168 $2,293
Travelers $2,848 $2,848
USAA $1,535 $1,577

Cheapest Muncie, IN Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Muncie, Indiana

ZIP Code Average Annual Rates
47302 $2,957
47303 $2,913
47304 $2,881
47305 $2,940
47306 $2,995

The Best Cheap Car Insurance Companies in Muncie, IN

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

Average Annual Car Insurance Rates by Company in Muncie, Indiana

Insurance Company Average Annual Rates
Allstate $3,600
American Family $3,440
Farmers $3,179
GEICO $1,965
Liberty Mutual $5,136
Nationwide $2,639
Progressive $3,590
State Farm $2,231
Travelers $2,848
USAA $1,556

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Category Winners: Cheapest Car Insurance in Muncie, Indiana

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

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

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

Annual Car Insurance Rates by Coverage Level in Muncie, Indiana

Insurance Company Low Medium High
Allstate $3,406 $3,585 $3,810
American Family $3,387 $3,553 $3,379
Farmers $3,070 $3,172 $3,294
GEICO $1,836 $1,959 $2,100
Liberty Mutual $4,951 $5,121 $5,335
Nationwide $2,687 $2,618 $2,612
Progressive $3,389 $3,534 $3,848
State Farm $2,119 $2,230 $2,343
Travelers $2,798 $2,874 $2,872
USAA $1,507 $1,553 $1,609

What affects car insurance rates in Muncie, Indiana?

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

Car Theft in Muncie

High levels of vehicle theft can make car insurance more expensive. Muncie, IN car theft statistics from the FBI indicate 440 vehicle thefts a year.

Commute Time in Muncie

The more time you spend in your car the higher the risk of an accident. The average commute length in Muncie, IN is 18.7 minutes according to City-Data.

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Compare Car Insurance Quotes in Muncie, IN

Ready to find affordable Muncie, Indiana car insurance today? Enter your ZIP code for fast, free Muncie, 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