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Get Cheap Car Insurance in 46016, IN
We monitor insurance prices, helping the average driver in 46016 save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in 46016
The chart below shows the cheapest car insurance company in 46016 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by State Farm, Safe Auto, and Travelers.
| 46016 Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $47 |
| State Farm | $51 |
| Safe Auto | $51 |
| Travelers | $52 |
Savings for Every Kind of 46016 Driver
Based on our extensive insurance data, we know the average 46016 driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $369 per year by choosing the right vehicle insurance company. Some 46016 residents are paying out over $1,267 extra every year for auto insurance in 46016. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
46016, IN Savings / Yr. |
|---|---|
$369 |
|
$576 |
|
$467 |
|
$330 |
|
$662 |
|
$283 |
|
$404 |
46016 Car Insurance vs. Indiana
People living in 46016 pay an average of 3.65% more than the typical driver in the state. The average driver in 46016 can expect to pay about $786 per year, or $1,267 for full coverage.
Based on our analysis, Erie Insurance will be the cheapest provider in 46016 for most people.
Car Insurance Prices by 46016 Neighborhood
Insurance Prices
Where is insurance cheapest within 46016?
The map shows insurance prices in and around 46016, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $244 per year within the zip boundaries, with insurance premiums ranging from a high of $1,443 to a low of $1,199. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the South parts of 46016.Pick the Best Car Insurance Company for You in 46016
The best car insurance provider for most drivers in 46016
For drivers with clean driving records and no major strikes, Erie Insurance is the best option, with annual savings of $369 over the average 46016 car insurance company.
The best car insurance provider for 46016 drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $576 over the competition.
The best car insurance company for 46016 drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $467 better than other car insurance companies.
The best auto insurance for 46016 drivers with a DUI conviction
Getting a quote from Gainsco may cost the average person with a DUI about $330 less each year.
The least expensive car insurance company for new and young drivers in 46016
In 46016, State Farm costs young drivers $662 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 46016
State Farm gave the largest car insurance discounts to married couples, averaging $283 saved each year compared to an average 46016 couple's premiums.
The cheapest car insurance in 46016 for drivers with bad credit
The best 46016 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 46016
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average 46016 driver can expect to pay about $78 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 46016, USAA has the best prices for young drivers, drivers with speeding tickets, drivers with accidents, drivers with a DUI conviction, good drivers, drivers with bad credit, and married couples.Auto Insurance Prices in and Around 46016
What Influences the Cost of Car Insurance in 46016?
On average, car insurance in 46016 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 46016 is 31 minutes, which is about the national average for a driver in the state.
- Indiana state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 46016 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- 46016 is a lightly populated area in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 46016 is $65 per month for minimum coverage and $106 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 46013: Insurance costs 2.05% less
- 46011: Insurance costs 2.68% less
- 46012: Insurance costs 5.60% less
- 46017: Insurance costs 6.24% less
- 47334: Insurance costs 7.18% less
- 46064: Insurance costs 4.89% less
- 46056: Insurance costs 5.68% less
- 46051: Insurance costs 4.74% less
- 47356: Insurance costs 6.87% less
- 47396: Insurance costs 7.89% less
Zip Codes with Similar Populations
- 06443: Insurance costs 51.14% more
- 08210: Insurance costs 33.54% more
- 08033: Insurance costs 39.15% more
- 07834: Insurance costs 40.02% more
- 07086: Insurance costs 82.32% more
- 06804: Insurance costs 55.25% more
- 06062: Insurance costs 55.72% more
- 02871: Insurance costs 75.22% more
- 02476: Insurance costs 31.33% more
- 02370: Insurance costs 32.36% more