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Get Cheap Car Insurance in Dearborn County, IN

We monitor insurance prices, helping the average driver in Dearborn County save up to 29.1% on car insurance.

 

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The Cheapest Minimum Coverage in Dearborn County

The chart below shows the cheapest car insurance company in Dearborn County 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.

 
Dearborn County Insurer Monthly Cost
Auto-Owners Insurance $45
State Farm $48
Safe Auto $49
Travelers $49

Savings for Every Kind of Dearborn County Driver

The table shows how much the average auto insurance customer in Dearborn County might save by following our recommendations.

Based on our extensive insurance data, we know the average Dearborn County 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 $351 per year by choosing the right vehicle insurance company. Some Dearborn County residents are paying out over $1,204 extra every year for auto insurance in Dearborn County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Dearborn County, IN Savings / Yr.
Drivers with good records
$351
Drivers with accidents
$548
Drivers with speeding tickets
$445
Drivers with a DUI conviction
$313
Young drivers
$630
Married drivers
$269
Drivers with bad credit
$384

Dearborn County Car Insurance vs. Indiana

People living in Dearborn County pay an average of 1.43% less than the typical driver in the state. The average driver in Dearborn County can expect to pay about $747 per year, or $1,204 for full coverage.

Based on our analysis, Erie Insurance will be the cheapest provider in Dearborn County for most people.

Car Insurance Prices by Dearborn County Neighborhood

Dearborn County, IN map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Dearborn County?

The map shows insurance prices in and around Dearborn County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $146 per year within the county boundaries, with insurance premiums ranging from a high of $1,294 to a low of $1,148. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Central parts of Dearborn County.

Pick the Best Car Insurance Company for You in Dearborn County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Dearborn County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Dearborn County

For drivers with clean driving records and no major strikes, Erie Insurance is the best option, with annual savings of $351 over the average Dearborn County car insurance company.

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We use the average good driver, paying $71 per month, as our baseline for pricing in Dearborn County. Travelers, Erie Insurance, and Clearcover are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Dearborn County drivers with accidents on their records

In Dearborn County getting into an accident will raise premiums an average 38% for a yearly cost of $1,954. That's $749 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $548 over the competition.

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The best car insurance company for Dearborn County drivers with speeding tickets

>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $445 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Dearborn County, tickets raise premiums on new quotes about $444. If you have a speeding ticket, we recommend State Farm, Auto-Owners Insurance, and Clearcover for savings that beat the average insurance cost of $1,648 per year.

The best auto insurance for Dearborn County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,797 per year in auto insurance premiums, which was $592 more than a driver with no major issues. State Farm, Progressive, and Gainsco penalized their customers the least for a DUI.

Getting a quote from Gainsco may cost the average person with a DUI about $313 less each year.

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The least expensive car insurance company for new and young drivers in Dearborn County

In Dearborn County, State Farm costs young drivers $630 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 65% more for insurance than more mature drivers in Dearborn County. With an average cost of $3,406 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Dearborn County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $42. State Farm, Progressive, and Auto-Owners Insurance provided the largest discounts to couples living in Dearborn County.

State Farm gave the largest car insurance discounts to married couples, averaging $269 saved each year compared to an average Dearborn County couple's premiums.

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The cheapest car insurance in Dearborn County for drivers with bad credit

People with poor credit saved an average of $384 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $644 every year. Premiums for people with poor credit were about $1,848 in Dearborn County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Auto-Owners Insurance.

The best Dearborn County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Dearborn County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Dearborn County.

Nationwide was the best company for customer service in Dearborn County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Dearborn County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Dearborn County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Dearborn County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 17% of Dearborn County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Dearborn County driver can expect to pay about $78 per month.

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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 Dearborn County, 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.
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Auto Insurance Prices in and Around Dearborn County

What Influences the Cost of Car Insurance in Dearborn County?

On average, car insurance in Dearborn County 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 county are influenced by the following factors:

  • The average commute time in Dearborn County is 36 minutes, which is far more than average for a driver in the state.
  • Indiana state insurance regulations may allow for lower prices.
  • An average of 6 to 7 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Dearborn County are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Dearborn County is one of the least populated areas in the state. The county’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 Dearborn County is $62 per month for minimum coverage and $100 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 Counties

Counties with Similar Populations

* Who is the average Dearborn County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Dearborn County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.