Best Cheap Auto Insurance in Hardinsburg, IN (2021)

The average Hardinsburg, IN auto insurance rates are $285 per month. The minimum auto insurance in Hardinsburg is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in Hardinsburg, Indiana, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Hardinsburg is 28.6 minutes
  • Average auto insurance rates in Hardinsburg, IN for senior drivers are $1,792 per year
  • The minimum auto insurance required in Hardinsburg, Indiana is 25/50/25

Hardinsburg, Indiana auto insurance requirements are 25/50/25 according to Indiana auto insurance laws. Finding cheap auto insurance in Hardinsburg can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hardinsburg, Indiana, including driving record, credit, commute time, and more.

Compare auto insurance in Hardinsburg to other Indiana cities, including Indianapolis auto insurance rates, Fishers auto insurance rates, and Evansville auto insurance rates to see how Hardinsburg, Indiana auto insurance rates stack up.

Before you buy Hardinsburg, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hardinsburg, Indiana auto insurance quotes.

Minimum Auto Insurance in Hardinsburg, Indiana

Hardinsburg, Indiana auto insurance laws require that you have at least the Indiana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hardinsburg, Indiana.

Minimum Required Auto Insurance Coverage in Hardinsburg, 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

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Cheap Hardinsburg, Indiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Hardinsburg, Indiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hardinsburg, 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 $2,542 $2,610 $2,224 $2,434 $7,687 $9,672 $2,601 $2,827
American Family $2,473 $2,473 $2,219 $2,219 $6,768 $9,826 $2,473 $3,050
Farmers $1,482 $1,463 $1,269 $1,421 $7,852 $8,358 $1,944 $2,106
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 $1,766 $1,811 $1,543 $1,655 $5,118 $6,678 $2,068 $2,269
Progressive $1,808 $1,721 $1,630 $1,644 $10,394 $11,716 $2,270 $2,327
State Farm $1,622 $1,622 $1,434 $1,434 $4,780 $6,137 $1,788 $1,991
Travelers $1,181 $1,201 $1,112 $1,109 $7,321 $11,523 $1,252 $1,445
USAA $1,095 $1,079 $1,018 $1,026 $3,041 $3,402 $1,481 $1,587

Cheap Hardinsburg, Indiana Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Hardinsburg, Indiana is a challenge. Take a look at the annual teen auto insurance rates in Hardinsburg, Indiana.

Annual Auto Insurance Rates for Teen Drivers in Hardinsburg, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,687 $9,672
American Family $6,768 $9,826
Farmers $7,852 $8,358
GEICO $4,871 $4,549
Liberty Mutual $8,754 $13,239
Nationwide $5,118 $6,678
Progressive $10,394 $11,716
State Farm $4,780 $6,137
Travelers $7,321 $11,523
USAA $3,041 $3,402

Cheap Hardinsburg, Indiana Auto Insurance for Seniors

What are senior auto insurance rates in Hardinsburg, Indiana? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Hardinsburg, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,224 $2,434
American Family $2,219 $2,219
Farmers $1,269 $1,421
GEICO $1,547 $1,591
Liberty Mutual $3,651 $3,651
Nationwide $1,543 $1,655
Progressive $1,630 $1,644
State Farm $1,434 $1,434
Travelers $1,112 $1,109
USAA $1,018 $1,026

Cheap Hardinsburg, Indiana Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hardinsburg, Indiana compared to the annual auto insurance rates with a clean record in Hardinsburg, Indiana.

Annual Hardinsburg, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,258 $4,772 $4,399 $3,870
American Family $2,714 $4,320 $5,483 $3,234
Farmers $2,896 $3,378 $3,476 $3,198
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,581 $5,380 $8,346 $5,037
Nationwide $2,457 $3,179 $3,046 $2,772
Progressive $3,140 $5,488 $3,749 $4,377
State Farm $2,542 $2,777 $2,542 $2,542
Travelers $2,774 $3,433 $3,890 $2,976
USAA $1,297 $1,846 $2,117 $1,606

Cheap Hardinsburg, Indiana Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Hardinsburg, Indiana is not easy. Compare the annual rates for DUI auto insurance in Hardinsburg, Indiana to find the best deal.

Annual Auto Insurance Rates After a DUI in Hardinsburg, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,399
American Family $5,483
Farmers $3,476
GEICO $3,385
Liberty Mutual $8,346
Nationwide $3,046
Progressive $3,749
State Farm $2,542
Travelers $3,890
USAA $2,117

Cheap Hardinsburg, Indiana Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Hardinsburg, Indiana annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Hardinsburg, Indiana

Insurance Company Poor Fair Good
Allstate $5,063 $3,753 $3,408
American Family $5,388 $3,498 $2,927
Farmers $3,780 $3,079 $2,851
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,772 $5,058 $4,678
Nationwide $3,263 $2,756 $2,572
Progressive $4,634 $4,086 $3,846
State Farm $3,791 $2,260 $1,752
Travelers $3,640 $3,084 $3,081
USAA $2,311 $1,528 $1,310

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Cheap Hardinsburg, Indiana Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Hardinsburg, Indiana can vary. Compare the annual cost of auto insurance by ZIP code in Hardinsburg, Indiana to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Hardinsburg, Indiana

ZIP Code Average Annual Rates
47125 $3,313

Cheap Hardinsburg, Indiana Auto Insurance Rates By Commute

Commute length and annual mileage affect Hardinsburg, Indiana auto insurance. Find the cheapest annual Hardinsburg, Indiana auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Hardinsburg, Indiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,075 $4,075
American Family $3,890 $3,985
Farmers $3,237 $3,237
GEICO $2,392 $2,483
Liberty Mutual $5,680 $5,992
Nationwide $2,864 $2,864
Progressive $4,189 $4,189
State Farm $2,527 $2,675
Travelers $3,268 $3,268
USAA $1,693 $1,739

Cheap Hardinsburg, Indiana Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Hardinsburg, Indiana? Check out the comparison of annual Hardinsburg, Indiana auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Hardinsburg, Indiana

Insurance Company Low Medium High
Allstate $3,887 $4,060 $4,278
American Family $3,904 $4,068 $3,841
Farmers $3,126 $3,230 $3,354
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,675 $5,824 $6,009
Nationwide $2,921 $2,840 $2,830
Progressive $3,956 $4,123 $4,487
State Farm $2,492 $2,600 $2,711
Travelers $3,207 $3,299 $3,298
USAA $1,653 $1,712 $1,784

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Best By Category: Cheapest Auto Insurance in Hardinsburg, Indiana

Compare the cheapest auto insurance companies in Hardinsburg, Indiana in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Hardinsburg, Indiana

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

The Cheapest Hardinsburg, Indiana Auto Insurance Companies

What auto insurance companies in Hardinsburg, Indiana are the cheapest? Compare the top Hardinsburg, Indiana auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Hardinsburg, Indiana

Insurance Company Average Annual Rates
Allstate $4,075
American Family $3,938
Farmers $3,237
GEICO $2,438
Liberty Mutual $5,836
Nationwide $2,863
Progressive $4,189
State Farm $2,601
Travelers $3,268
USAA $1,716

What affects auto insurance rates in Hardinsburg, Indiana?

There are a lot of reasons why auto insurance rates in Hardinsburg, Indiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hardinsburg, Indiana. Many local factors may affect your Hardinsburg auto insurance rates.

Hardinsburg Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hardinsburg, Indiana commute length is 28.6 minutes according to City-Data.

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Compare Hardinsburg, Indiana Auto Insurance Quotes

Before you buy Hardinsburg, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hardinsburg, Indiana auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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