Best North Terre Haute, Indiana Auto Insurance in 2025
The average North Terre Haute, IN auto insurance rates are $288 per month. The minimum auto insurance in North Terre Haute is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in North Terre Haute, Indiana, compare quotes from multiple companies.
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Table of Contents
Table of Contents
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Tim Bain
Updated September 2024
- The cheapest auto insurance company in North Terre Haute is USAA
- The most expensive auto insurance company in North Terre Haute for teen drivers is Liberty Mutual
- The minimum auto insurance required in North Terre Haute, Indiana is 25/50/25
North Terre Haute, Indiana auto insurance requirements are 25/50/25 according to Indiana auto insurance laws. Finding cheap auto insurance in North Terre Haute 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 North Terre Haute, Indiana, including driving record, credit, commute time, and more.
Compare auto insurance in North Terre Haute to other Indiana cities, including Carmel auto insurance rates, Indianapolis auto insurance rates, and South Bend auto insurance rates to see how North Terre Haute, Indiana auto insurance rates stack up.
Before you buy North Terre Haute, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free North Terre Haute, Indiana auto insurance quotes.
Minimum Auto Insurance in North Terre Haute, Indiana
North Terre Haute, 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 North Terre Haute, 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 North Terre Haute, Indiana Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in North Terre Haute, Indiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,534 | $2,593 | $2,227 | $2,436 | $7,895 | $9,967 | $2,576 | $2,796 |
| American Family | $2,345 | $2,345 | $2,105 | $2,105 | $6,443 | $9,338 | $2,345 | $2,879 |
| Farmers | $1,570 | $1,547 | $1,344 | $1,513 | $8,551 | $9,132 | $2,074 | $2,235 |
| Geico | $1,699 | $1,696 | $1,601 | $1,673 | $5,062 | $4,684 | $1,947 | $1,704 |
| Liberty Mutual | $4,104 | $4,104 | $3,771 | $3,771 | $8,998 | $13,592 | $4,104 | $5,631 |
| Nationwide | $1,705 | $1,744 | $1,494 | $1,597 | $4,947 | $6,436 | $1,999 | $2,189 |
| Progressive | $1,639 | $1,550 | $1,487 | $1,495 | $9,647 | $10,867 | $2,052 | $2,092 |
| State Farm | $1,501 | $1,501 | $1,343 | $1,343 | $4,605 | $5,904 | $1,666 | $1,847 |
| Travelers | $1,383 | $1,408 | $1,294 | $1,295 | $8,704 | $13,851 | $1,462 | $1,693 |
| USAA | $1,063 | $1,046 | $990 | $996 | $2,981 | $3,328 | $1,436 | $1,534 |
Cheap North Terre Haute, Indiana Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in North Terre Haute, Indiana is a challenge. Take a look at the annual teen auto insurance rates in North Terre Haute, Indiana.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,895 | $9,967 |
| American Family | $6,443 | $9,338 |
| Farmers | $8,551 | $9,132 |
| Geico | $5,062 | $4,684 |
| Liberty Mutual | $8,998 | $13,592 |
| Nationwide | $4,947 | $6,436 |
| Progressive | $9,647 | $10,867 |
| State Farm | $4,605 | $5,904 |
| Travelers | $8,704 | $13,851 |
| USAA | $2,981 | $3,328 |
Cheap North Terre Haute, Indiana Auto Insurance for Seniors
What are senior auto insurance rates in North Terre Haute, Indiana? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,227 | $2,436 |
| American Family | $2,105 | $2,105 |
| Farmers | $1,344 | $1,513 |
| Geico | $1,601 | $1,673 |
| Liberty Mutual | $3,771 | $3,771 |
| Nationwide | $1,494 | $1,597 |
| Progressive | $1,487 | $1,495 |
| State Farm | $1,343 | $1,343 |
| Travelers | $1,294 | $1,295 |
| USAA | $990 | $996 |
Cheap North Terre Haute, 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 North Terre Haute, Indiana compared to the annual auto insurance rates with a clean record in North Terre Haute, Indiana.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,284 | $4,842 | $4,470 | $3,916 |
| American Family | $2,576 | $4,106 | $5,202 | $3,070 |
| Farmers | $3,132 | $3,639 | $3,758 | $3,455 |
| Geico | $1,636 | $2,589 | $3,538 | $2,271 |
| Liberty Mutual | $4,692 | $5,529 | $8,649 | $5,169 |
| Nationwide | $2,375 | $3,065 | $2,939 | $2,676 |
| Progressive | $2,879 | $5,079 | $3,438 | $4,018 |
| State Farm | $2,405 | $2,641 | $2,405 | $2,405 |
| Travelers | $3,300 | $4,079 | $4,624 | $3,542 |
| USAA | $1,261 | $1,798 | $2,064 | $1,563 |
Cheap North Terre Haute, Indiana Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in North Terre Haute, Indiana is not easy. Compare the annual rates for DUI auto insurance in North Terre Haute, Indiana to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,470 |
| American Family | $5,202 |
| Farmers | $3,758 |
| Geico | $3,538 |
| Liberty Mutual | $8,649 |
| Nationwide | $2,939 |
| Progressive | $3,438 |
| State Farm | $2,405 |
| Travelers | $4,624 |
| USAA | $2,064 |
Cheap North Terre Haute, Indiana Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how North Terre Haute, Indiana annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,119 | $3,807 | $3,458 |
| American Family | $5,114 | $3,321 | $2,781 |
| Farmers | $4,078 | $3,326 | $3,083 |
| Geico | $3,020 | $2,508 | $1,996 |
| Liberty Mutual | $8,003 | $5,209 | $4,817 |
| Nationwide | $3,146 | $2,657 | $2,488 |
| Progressive | $4,249 | $3,763 | $3,548 |
| State Farm | $3,591 | $2,141 | $1,660 |
| Travelers | $4,327 | $3,666 | $3,665 |
| USAA | $2,250 | $1,489 | $1,277 |
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Cheap North Terre Haute, Indiana Auto Insurance Rates By Commute
Commute length and annual mileage affect North Terre Haute, Indiana auto insurance. Find the cheapest annual North Terre Haute, Indiana auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,128 | $4,128 |
| American Family | $3,693 | $3,784 |
| Farmers | $3,496 | $3,496 |
| Geico | $2,464 | $2,553 |
| Liberty Mutual | $5,850 | $6,170 |
| Nationwide | $2,764 | $2,764 |
| Progressive | $3,854 | $3,854 |
| State Farm | $2,393 | $2,534 |
| Travelers | $3,886 | $3,886 |
| USAA | $1,650 | $1,694 |
Cheap North Terre Haute, Indiana Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in North Terre Haute, Indiana? Check out the comparison of annual North Terre Haute, Indiana auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,918 | $4,112 | $4,354 |
| American Family | $3,696 | $3,862 | $3,657 |
| Farmers | $3,358 | $3,488 | $3,642 |
| Geico | $2,332 | $2,502 | $2,691 |
| Liberty Mutual | $5,786 | $5,991 | $6,252 |
| Nationwide | $2,789 | $2,743 | $2,760 |
| Progressive | $3,610 | $3,785 | $4,165 |
| State Farm | $2,337 | $2,463 | $2,591 |
| Travelers | $3,791 | $3,923 | $3,944 |
| USAA | $1,610 | $1,667 | $1,737 |
Best By Category: Cheapest Auto Insurance in North Terre Haute, Indiana
Compare the cheapest auto insurance companies in North Terre Haute, Indiana in each category to find the company with the best rates for your personal needs.
| 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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The Cheapest North Terre Haute, Indiana Auto Insurance Companies
What auto insurance companies in North Terre Haute, Indiana are the cheapest? Compare the top North Terre Haute, Indiana auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,128 |
| American Family | $3,738 |
| Farmers | $3,496 |
| Geico | $2,508 |
| Liberty Mutual | $6,010 |
| Nationwide | $2,764 |
| Progressive | $3,854 |
| State Farm | $2,464 |
| Travelers | $3,886 |
| USAA | $1,672 |
What affects auto insurance rates in North Terre Haute, Indiana?
There are a lot of reasons why auto insurance rates in North Terre Haute, Indiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in North Terre Haute, Indiana. Many local factors may affect your North Terre Haute auto insurance rates.
North Terre Haute Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average North Terre Haute, Indiana commute length is 23.9 minutes according to City-Data.
Compare North Terre Haute, Indiana Auto Insurance Quotes
Before you buy North Terre Haute, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free North Terre Haute, Indiana auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in North Terre Haute, IN?
Yes, auto insurance is mandatory in North Terre Haute, IN, as it is in most states. The state law requires drivers to carry minimum liability coverage to protect themselves and others in case of an accident.
What are the minimum auto insurance requirements in North Terre Haute, IN?
In North Terre Haute, IN, drivers are required to have at least the following minimum coverage:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Can I choose to have more than the minimum required coverage?
Yes, you can choose to have higher coverage limits and additional types of coverage beyond the minimum requirements. It is often recommended to consider higher coverage limits to provide better financial protection in case of a serious accident.
What factors can affect my auto insurance premiums in North Terre Haute, IN?
Several factors can influence your auto insurance premiums in North Terre Haute, IN, including:
- Your age, gender, and marital status
- Your driving record and claims history
- The type, make, and model of your vehicle
- Your credit history
- The coverage limits and deductibles you choose
Are there any discounts available for auto insurance in North Terre Haute, IN?
Yes, many insurance companies offer various discounts that can help reduce your auto insurance premiums. Common discounts may include safe driver discounts, multi-policy discounts, good student discounts, and discounts for installing safety features in your vehicle.
Can I use my auto insurance coverage if I’m involved in an accident outside of North Terre Haute, IN?
Yes, in most cases, your auto insurance coverage will extend beyond North Terre Haute, IN. However, the specific terms and conditions can vary between insurance policies, so it’s important to review your policy or consult with your insurance provider to understand the details of coverage when traveling or in accidents outside of the area.
What should I do if I want to change my auto insurance provider in North Terre Haute, IN?
If you wish to change your auto insurance provider in North Terre Haute, IN, you should follow these general steps:
- Research and compare different insurance companies and their offerings.
- Obtain quotes from multiple insurers to find the best rates and coverage for your needs.
- Notify your current insurance provider about your decision to switch.
- Purchase a new auto insurance policy before canceling your current one to ensure continuous coverage.
- Review the terms and conditions of the new policy carefully.
How can I file an auto insurance claim in North Terre Haute, IN?
To file an auto insurance claim in North Terre Haute, IN, you should contact your insurance provider as soon as possible after an accident. They will guide you through the claims process, which typically involves providing details about the incident, gathering supporting documentation, such as police reports and photographs, and cooperating with any necessary investigations.
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