Best Cheap Auto Insurance in Washington, IN (2021)

On average, Washington, IN auto insurance costs $272 per month or $3,274 annually. However, your rates depend on your age, driving record, and coverage requirements. The cheapest Washington, IN auto insurance company is USAA, followed by GEICO. All Indiana residents must carry at least 25/50/25 in liability coverage to legally drive on the roads.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Aug 4, 2021

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Things to Remember

  • On average, Washington, IN auto insurance costs $272 per month or $3,274 annually
  • USAA offers the cheapest average quotes in your city, followed by GEICO
  • Very minimal traffic congestion in your town keeps your regional insurance costs low

Washington, Indiana auto insurance costs are low compared to the rest of the state. Average Washington, IN auto insurance rates are $272 per month or $3,274 annually.

Keep reading to compare actual annual rates from the top Washington insurance companies and learn how to secure cheap auto insurance in your town.

Monthly Washington, IN Car Insurance Rates by ZIP Code

Check out the monthly Washington, IN auto insurance rates by ZIP Code below:

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Washington, IN Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Washington, IN stack up against other top metro auto insurance rates? We’ve got your answer below.

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When you’re ready to buy Washington, IN auto insurance, enter your ZIP code into our free quote tool above to start shopping.

What is the cheapest auto insurance company in Washington, IN?

The cheapest Washington, IN auto insurance company is USAA; however, only military personnel can purchase policies from this provider.

GEICO offers the next cheapest Washington, IN auto insurance quotes and is available to everyone.

Which Washington, IN auto insurance company has the cheapest rates? And how do those rates compare against the average Indiana auto insurance company rates? We’ve got the answers below.

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Below, compare the average annual rates for coverage from the top providers in your city:

  • USAA – $1,529.81
  • GEICO – $2,437.68
  • State Farm – $2,450.22
  • Nationwide – $2,693.37
  • Travelers – $2,985.47
  • American Family – $3,370.35
  • Farmers – $3,475.98
  • Allstate – $3,949.44
  • Progressive – $4,012.12
  • Liberty Mutual – $5,836.11

Many companies offer affordable Washington, IN auto insurance rates. However, each company uses a different formula to calculate costs.

Therefore, to truly secure cheap auto insurance, compare quotes online before choosing a provider.

Washington, IN auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Washington auto insurance rates. Find the cheapest Washington, IN auto insurance rates by coverage level below:

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Your credit score will play a major role in your Washington auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Washington, IN auto insurance rates by credit score below.

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Your driving record will play a major role in your Washington auto insurance rates. For example, other factors aside, a Washington, IN DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Washington, IN auto insurance rates by driving record.

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Factors affecting auto insurance rates in Washington, IN may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Washington, Indiana auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Indiana does use gender, so check out the average monthly auto insurance rates by age and gender in Washington, IN.

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What auto insurance coverage is required in Washington, IN?

Auto insurance laws vary from state to state. Legally, Washington residents must carry the Indiana minimum coverage requirements to drive on the roads.

Currently, Indiana requires the following auto insurance limits:

Indiana is an at-fault or tort state. Your liability insurance pays for damage to the other driver if you’re responsible for causing an accident.

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What affects auto insurance rates in Washington, IN?

Minor traffic congestion helps keep Washington’s insurance costs low. Your town has virtually no bumper-to-bumper traffic.

While no data exists specifically for Washington, INRIX reports that Evansville, Indiana is the 244th-most congested city in America.

However, Evansville is a long 64-mile drive away from Washington, IN.

Commuter times for Washington residents are also shorter than the national average of 26 minutes.

According to City-Data, the average time it takes people in your town to drive to work is only 20.6 minutes.

Frequently, vehicle theft statistics also influence regional insurance costs. However, no record of recent auto theft statistics exists for your town.

Washington, IN Auto Insurance: The Bottom Line

Overall, Washington, IN auto insurance premiums are cheap compared to the rest of the state.

Compare average Washington, IN insurance rates to the following Indiana cities:

By comparing quotes online from multiple providers and asking about auto insurance discounts, you’ll quickly secure low-cost Washington, IN auto insurance.

Find the best Washington, IN auto insurance company for you by entering your ZIP code into our free quote tool below.

Free Auto Insurance Comparison

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

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Monthly Washington, IN Auto Insurance Rates by ZIP Code
Washington, IN Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Washington, IN Auto Insurance Rates by Company vs. City Average
Washington, IN Auto Insurance Rates by Company and Age
The Cheapest Washington, IN Auto Insurance Rates by Coverage Level
The Cheapest Washington, IN Auto Insurance Rates by Credit Score
The Cheapest Washington, IN Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Washington, IN
Average Monthly Auto Insurance Rates by Age & Gender in Washington, IN
Monthly Washington, IN Auto Insurance Rates by ZIP Code
Washington, IN Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Washington, IN Auto Insurance Rates by Company vs. City Average
Washington, IN Auto Insurance Rates by Company and Age
The Cheapest Washington, IN Auto Insurance Rates by Coverage Level
The Cheapest Washington, IN Auto Insurance Rates by Credit Score
The Cheapest Washington, IN Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Washington, IN
Average Monthly Auto Insurance Rates by Age & Gender in Washington, IN