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Get Cheap Car Insurance in Greater Oakhill, Evansville, IN

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

 

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The Cheapest Minimum Coverage in Greater Oakhill

The chart below shows the cheapest car insurance company in Greater Oakhill 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.

 
Greater Oakhill Insurer Monthly Cost
Auto-Owners Insurance $45
State Farm $48
Safe Auto $49
Travelers $49

Savings for Every Kind of Greater Oakhill Driver

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

Based on our extensive insurance data, we know the average Greater Oakhill 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 $350 per year by choosing the right vehicle insurance company. Some Greater Oakhill residents are paying out over $1,201 extra every year for auto insurance in Greater Oakhill. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Greater Oakhill Car Insurance vs. Evansville

People living in Greater Oakhill pay an average of 1.75% less than the typical driver in the state. The average driver in Greater Oakhill can expect to pay about $745 per year, or $1,201 for full coverage.

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

Car Insurance Prices by Greater Oakhill Neighborhood

Greater Oakhill, Evansville, IN map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Greater Oakhill?

The map shows insurance prices in and around Greater Oakhill, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $129 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,271 to a low of $1,142. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the North parts of Greater Oakhill.

Pick the Best Car Insurance Company for You in Greater Oakhill

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 Greater Oakhill insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Greater Oakhill

For drivers with clean driving records and no major strikes, Erie Insurance is the best option, with annual savings of $350 over the average Greater Oakhill car insurance company.

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We use the average good driver, paying $71 per month, as our baseline for pricing in Greater Oakhill. 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 Greater Oakhill drivers with accidents on their records

In Greater Oakhill getting into an accident will raise premiums an average 38% for a yearly cost of $1,947. That's $747 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 $546 over the competition.

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The best car insurance company for Greater Oakhill drivers with speeding tickets

>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $443 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 Greater Oakhill, tickets raise premiums on new quotes about $442. If you have a speeding ticket, we recommend State Farm, Auto-Owners Insurance, and Clearcover for savings that beat the average insurance cost of $1,643 per year.

The best auto insurance for Greater Oakhill drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,791 per year in auto insurance premiums, which was $590 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 $312 less each year.

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The least expensive car insurance company for new and young drivers in Greater Oakhill

In Greater Oakhill, State Farm costs young drivers $628 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 Greater Oakhill. With an average cost of $3,395 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 Greater Oakhill

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 Greater Oakhill.

State Farm gave the largest car insurance discounts to married couples, averaging $268 saved each year compared to an average Greater Oakhill couple's premiums.

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The cheapest car insurance in Greater Oakhill for drivers with bad credit

People with poor credit saved an average of $383 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $642 every year. Premiums for people with poor credit were about $1,842 in Greater Oakhill. 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 Greater Oakhill car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Greater Oakhill, 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 Greater Oakhill.

Nationwide was the best company for customer service in Greater Oakhill 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 Greater Oakhill, 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 Greater Oakhill. 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 Greater Oakhill

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 11% of Greater Oakhill residents who are renting, and don't plan to be in the neighborhood or city 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 Greater Oakhill 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 Greater Oakhill, 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 Greater Oakhill

What Influences the Cost of Car Insurance in Greater Oakhill?

On average, car insurance in Greater Oakhill 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 neighborhood are influenced by the following factors:

  • The average commute time in Greater Oakhill is 28 minutes, which is about the national average for a driver in the city.
  • 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 Greater Oakhill are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
  • Greater Oakhill is a fairly densely populated area in the state. The neighborhood’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 Greater Oakhill 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Greater Oakhill driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Greater Oakhill 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.