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Get Cheap Car Insurance in 46049, IN
We monitor insurance prices, helping the average driver in 46049 save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in 46049
The chart below shows the cheapest car insurance company in 46049 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.
| 46049 Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $44 |
| State Farm | $48 |
| Safe Auto | $48 |
| Travelers | $48 |
Savings for Every Kind of 46049 Driver
Based on our extensive insurance data, we know the average 46049 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 $346 per year by choosing the right vehicle insurance company. Some 46049 residents are paying out over $1,186 extra every year for auto insurance in 46049. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
46049, IN Savings / Yr. |
|---|---|
$346 |
|
$540 |
|
$438 |
|
$309 |
|
$620 |
|
$265 |
|
$379 |
46049 Car Insurance vs. Indiana
People living in 46049 pay an average of 2.94% less than the typical driver in the state. The average driver in 46049 can expect to pay about $736 per year, or $1,186 for full coverage.
Based on our analysis, Erie Insurance will be the cheapest provider in 46049 for most people.
Car Insurance Prices by 46049 Neighborhood
Insurance Prices
Where is insurance cheapest within 46049?
The map shows insurance prices in and around 46049, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $39 per year within the zip boundaries, with insurance premiums ranging from a high of $1,199 to a low of $1,160. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of 46049.Pick the Best Car Insurance Company for You in 46049
The best car insurance provider for most drivers in 46049
For drivers with clean driving records and no major strikes, Erie Insurance is the best option, with annual savings of $346 over the average 46049 car insurance company.
The best car insurance provider for 46049 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 $540 over the competition.
The best car insurance company for 46049 drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $438 better than other car insurance companies.
The best auto insurance for 46049 drivers with a DUI conviction
Getting a quote from Gainsco may cost the average person with a DUI about $309 less each year.
The least expensive car insurance company for new and young drivers in 46049
In 46049, State Farm costs young drivers $620 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 46049
State Farm gave the largest car insurance discounts to married couples, averaging $265 saved each year compared to an average 46049 couple's premiums.
The cheapest car insurance in 46049 for drivers with bad credit
The best 46049 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 46049
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average 46049 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 46049, 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 46049
What Influences the Cost of Car Insurance in 46049?
On average, car insurance in 46049 is actually less expensive than the rest of the state. These low 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:
- 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 46049 are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- 46049 is a fairly densely populated area in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 46049 is $61 per month for minimum coverage and $99 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
- 46045: Insurance costs 2.19% less
- 46039: Insurance costs 5.48% more
- 46068: Insurance costs 1.60% less
- 46057: Insurance costs 1.52% less
- 46072: Insurance costs 1.10% less
- 46050: Insurance costs 1.01% less
- 46069: Insurance costs 1.35% less
- 46031: Insurance costs 0.76% less
- 46030: Insurance costs 1.35% more
- 46041: Insurance costs 0.76% more
Zip Codes with Similar Populations
- 51439: Insurance costs 4.30% more
- 77585: Insurance costs 34.65% more
- 74027: Insurance costs 43.42% more
- 71358: Insurance costs 155.40% more
- 68933: Insurance costs 18.04% more
- 61489: Insurance costs 17.88% more
- 57756: Insurance costs 46.96% more
- 56713: Insurance costs 35.67% more
- 56385: Insurance costs 30.86% more
- 52552: Insurance costs 2.53% more