Compare Urbana, IN Car Insurance Rates (2021)

Car insurance in Urbana, IN averages $263 a month. Urbana, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Urbana car insurance rates, compare quotes from the top car insurance companies in Urbana, IN.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Urbana for teen drivers is USAA
  • Average car insurance rates in Urbana, IN after a DUI are $3,737/year
  • Average car insurance rates in Urbana, IN are $3,152/year

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

You’ll find Urbana car insurance rates, the cheapest Urbana, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Urbana, Indiana car insurance rates to Hammond car insurance rates, Indianapolis car insurance rates, and Evansville car insurance rates.

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

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

How do age, gender, and marital status affect Urbana, IN car insurance rates? Every Urbana, 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 Urbana, 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 $2,545 $2,617 $2,222 $2,433 $7,609 $9,565 $2,606 $2,836
American Family $2,109 $2,109 $1,897 $1,897 $5,778 $8,378 $2,109 $2,606
Farmers $1,615 $1,594 $1,381 $1,550 $8,630 $9,191 $2,124 $2,300
GEICO $1,369 $1,360 $1,284 $1,329 $3,993 $3,708 $1,563 $1,378
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,630 $1,668 $1,428 $1,526 $4,739 $6,162 $1,910 $2,091
Progressive $1,514 $1,434 $1,370 $1,381 $8,771 $9,854 $1,892 $1,930
State Farm $1,336 $1,336 $1,190 $1,190 $4,026 $5,164 $1,478 $1,642
Travelers $1,125 $1,146 $1,052 $1,053 $6,901 $10,958 $1,187 $1,377
USAA $978 $966 $905 $917 $2,675 $3,003 $1,324 $1,424

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Minimum Car Insurance in Urbana, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Urbana, Indiana

Insurance Company Poor Fair Good
Allstate $5,040 $3,733 $3,390
American Family $4,594 $2,986 $2,501
Farmers $4,142 $3,375 $3,127
GEICO $2,401 $1,998 $1,595
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $3,010 $2,544 $2,379
Progressive $3,885 $3,434 $3,236
State Farm $3,162 $1,887 $1,463
Travelers $3,452 $2,925 $2,923
USAA $2,058 $1,355 $1,160

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

Annual Urbana, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,248 $4,747 $4,370 $3,851
American Family $2,315 $3,701 $4,670 $2,757
Farmers $3,174 $3,702 $3,811 $3,505
GEICO $1,314 $2,066 $2,791 $1,820
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $2,273 $2,932 $2,811 $2,561
Progressive $2,646 $4,605 $3,153 $3,669
State Farm $2,120 $2,323 $2,120 $2,120
Travelers $2,635 $3,252 $3,685 $2,827
USAA $1,154 $1,637 $1,877 $1,429

Cheapest Urbana, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Urbana, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,609 $9,565
American Family $5,778 $8,378
Farmers $8,630 $9,191
GEICO $3,993 $3,708
Liberty Mutual $8,383 $12,656
Nationwide $4,739 $6,162
Progressive $8,771 $9,854
State Farm $4,026 $5,164
Travelers $6,901 $10,958
USAA $2,675 $3,003

Cheapest Urbana, IN Car Insurance for Seniors

Take a look at Urbana, 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 Urbana, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,222 $2,433
American Family $1,897 $1,897
Farmers $1,381 $1,550
GEICO $1,284 $1,329
Liberty Mutual $3,522 $3,522
Nationwide $1,428 $1,526
Progressive $1,370 $1,381
State Farm $1,190 $1,190
Travelers $1,052 $1,053
USAA $905 $917

Cheapest Urbana, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Urbana, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,370
American Family $4,670
Farmers $3,811
GEICO $2,791
Liberty Mutual $8,085
Nationwide $2,811
Progressive $3,153
State Farm $2,120
Travelers $3,685
USAA $1,877

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Cheapest Urbana, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Urbana, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,054 $4,054
American Family $3,320 $3,401
Farmers $3,548 $3,548
GEICO $1,963 $2,033
Liberty Mutual $5,455 $5,752
Nationwide $2,644 $2,644
Progressive $3,518 $3,518
State Farm $2,108 $2,232
Travelers $3,100 $3,100
USAA $1,504 $1,545

The Best Cheap Car Insurance Companies in Urbana, IN

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

Average Annual Car Insurance Rates by Company in Urbana, Indiana

Insurance Company Average Annual Rates
Allstate $4,054
American Family $3,361
Farmers $3,548
GEICO $1,998
Liberty Mutual $5,604
Nationwide $2,644
Progressive $3,518
State Farm $2,170
Travelers $3,100
USAA $1,524

Category Winners: Cheapest Car Insurance in Urbana, Indiana

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

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

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

Annual Car Insurance Rates by Coverage Level in Urbana, Indiana

Insurance Company Low Medium High
Allstate $3,878 $4,040 $4,244
American Family $3,333 $3,473 $3,277
Farmers $3,424 $3,541 $3,679
GEICO $1,869 $1,992 $2,132
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $2,690 $2,623 $2,619
Progressive $3,333 $3,466 $3,756
State Farm $2,066 $2,169 $2,276
Travelers $3,029 $3,129 $3,141
USAA $1,472 $1,520 $1,580

Compare Car Insurance Quotes in Urbana, IN

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

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