Compare Shoals, IN Car Insurance Rates (2021)

Car insurance in Shoals, IN averages $278 a month. Shoals, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Shoals car insurance rates, compare quotes from the top car insurance companies in Shoals, 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 Shoals for teen drivers is USAA
  • The cheapest car insurance company in Shoals is USAA
  • Average car insurance rates in Shoals, IN after a DUI are $3,952/year

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

You’ll find Shoals car insurance rates, the cheapest Shoals, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Shoals, Indiana car insurance rates to Carmel car insurance rates, Gary car insurance rates, and Indianapolis car insurance rates.

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

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

How do age, gender, and marital status affect Shoals, IN car insurance rates? Every Shoals, 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 Shoals, 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 $2,515 $2,583 $2,200 $2,407 $7,587 $9,542 $2,574 $2,798
American Family $2,349 $2,349 $2,107 $2,107 $6,331 $9,225 $2,349 $2,920
Farmers $1,557 $1,537 $1,333 $1,492 $8,187 $8,699 $2,038 $2,211
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 $1,656 $1,694 $1,451 $1,550 $4,839 $6,287 $1,944 $2,127
Progressive $1,713 $1,631 $1,543 $1,557 $9,792 $11,039 $2,149 $2,205
State Farm $1,553 $1,553 $1,371 $1,371 $4,529 $5,823 $1,711 $1,901
Travelers $1,212 $1,233 $1,134 $1,133 $7,326 $11,510 $1,280 $1,492
USAA $986 $974 $910 $922 $2,693 $3,029 $1,334 $1,436

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Minimum Car Insurance in Shoals, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Shoals, Indiana

Insurance Company Poor Fair Good
Allstate $5,002 $3,708 $3,367
American Family $5,078 $3,306 $2,769
Farmers $3,953 $3,216 $2,977
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,772 $5,058 $4,678
Nationwide $3,067 $2,591 $2,423
Progressive $4,378 $3,856 $3,628
State Farm $3,609 $2,152 $1,668
Travelers $3,667 $3,103 $3,099
USAA $2,078 $1,363 $1,165

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

Annual Shoals, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,219 $4,713 $4,346 $3,824
American Family $2,562 $4,085 $5,171 $3,052
Farmers $3,024 $3,531 $3,631 $3,341
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,581 $5,380 $8,346 $5,037
Nationwide $2,316 $2,986 $2,863 $2,609
Progressive $2,970 $5,163 $3,546 $4,135
State Farm $2,421 $2,641 $2,421 $2,421
Travelers $2,792 $3,456 $3,916 $2,996
USAA $1,163 $1,647 $1,892 $1,439

Cheapest Shoals, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Shoals, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,587 $9,542
American Family $6,331 $9,225
Farmers $8,187 $8,699
GEICO $4,871 $4,549
Liberty Mutual $8,754 $13,239
Nationwide $4,839 $6,287
Progressive $9,792 $11,039
State Farm $4,529 $5,823
Travelers $7,326 $11,510
USAA $2,693 $3,029

Cheapest Shoals, IN Car Insurance for Seniors

Take a look at Shoals, 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 Shoals, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,200 $2,407
American Family $2,107 $2,107
Farmers $1,333 $1,492
GEICO $1,547 $1,591
Liberty Mutual $3,651 $3,651
Nationwide $1,451 $1,550
Progressive $1,543 $1,557
State Farm $1,371 $1,371
Travelers $1,134 $1,133
USAA $910 $922

Cheapest Shoals, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Shoals, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,346
American Family $5,171
Farmers $3,631
GEICO $3,385
Liberty Mutual $8,346
Nationwide $2,863
Progressive $3,546
State Farm $2,421
Travelers $3,916
USAA $1,892

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Cheapest Shoals, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Shoals, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,026 $4,026
American Family $3,673 $3,762
Farmers $3,382 $3,382
GEICO $2,392 $2,483
Liberty Mutual $5,680 $5,992
Nationwide $2,693 $2,693
Progressive $3,954 $3,954
State Farm $2,405 $2,547
Travelers $3,290 $3,290
USAA $1,515 $1,556

The Best Cheap Car Insurance Companies in Shoals, IN

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

Average Annual Car Insurance Rates by Company in Shoals, Indiana

Insurance Company Average Annual Rates
Allstate $4,026
American Family $3,717
Farmers $3,382
GEICO $2,438
Liberty Mutual $5,836
Nationwide $2,693
Progressive $3,954
State Farm $2,476
Travelers $3,290
USAA $1,535

Category Winners: Cheapest Car Insurance in Shoals, Indiana

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

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

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

Annual Car Insurance Rates by Coverage Level in Shoals, Indiana

Insurance Company Low Medium High
Allstate $3,843 $4,011 $4,223
American Family $3,702 $3,842 $3,608
Farmers $3,269 $3,374 $3,502
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,675 $5,824 $6,009
Nationwide $2,740 $2,672 $2,668
Progressive $3,749 $3,896 $4,216
State Farm $2,371 $2,475 $2,583
Travelers $3,239 $3,321 $3,311
USAA $1,489 $1,532 $1,586

What affects car insurance rates in Shoals, Indiana?

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

Commute Time in Shoals

The more time you spend in your car the higher the risk of an accident. The average commute length in Shoals, IN is 21.7 minutes according to City-Data.

Compare Car Insurance Quotes in Shoals, IN

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

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Average Monthly Car Insurance Rates by State