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Get Cheap Car Insurance in Highland, IN

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

 

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The Cheapest Minimum Coverage in Highland

The chart below shows the cheapest car insurance company in Highland 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.

 
Highland Insurer Monthly Cost
Auto-Owners Insurance $47
State Farm $51
Safe Auto $51
Travelers $52

Savings for Every Kind of Highland Driver

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

Based on our extensive insurance data, we know the average Highland 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 $370 per year by choosing the right vehicle insurance company. Some Highland residents are paying out over $1,270 extra every year for auto insurance in Highland. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Highland, IN Savings / Yr.
Drivers with good records
$370
Drivers with accidents
$578
Drivers with speeding tickets
$469
Drivers with a DUI conviction
$331
Young drivers
$664
Married drivers
$284
Drivers with bad credit
$405

Highland Car Insurance vs. Indiana

People living in Highland pay an average of 3.96% more than the typical driver in the state. The average driver in Highland can expect to pay about $788 per year, or $1,270 for full coverage.

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

Car Insurance Prices by Highland Neighborhood

Highland, 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 Highland?

The map shows insurance prices in and around Highland, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $223 per year within the city boundaries, with insurance premiums ranging from a high of $1,429 to a low of $1,206. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Southeast parts of Highland.

Pick the Best Car Insurance Company for You in Highland

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

The best car insurance provider for most drivers in Highland

For drivers with clean driving records and no major strikes, Erie Insurance is the best option, with annual savings of $370 over the average Highland car insurance company.

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We use the average good driver, paying $75 per month, as our baseline for pricing in Highland. 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 Highland drivers with accidents on their records

In Highland getting into an accident will raise premiums an average 38% for a yearly cost of $2,060. That's $790 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 $578 over the competition.

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The best car insurance company for Highland drivers with speeding tickets

>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $469 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 Highland, tickets raise premiums on new quotes about $468. If you have a speeding ticket, we recommend State Farm, Auto-Owners Insurance, and Clearcover for savings that beat the average insurance cost of $1,738 per year.

The best auto insurance for Highland drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,895 per year in auto insurance premiums, which was $625 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 $331 less each year.

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

In Highland, State Farm costs young drivers $664 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 Highland. With an average cost of $3,592 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 Highland

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $45. State Farm, Progressive, and Auto-Owners Insurance provided the largest discounts to couples living in Highland.

State Farm gave the largest car insurance discounts to married couples, averaging $284 saved each year compared to an average Highland couple's premiums.

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The cheapest car insurance in Highland for drivers with bad credit

People with poor credit saved an average of $405 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $679 every year. Premiums for people with poor credit were about $1,949 in Highland. 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 Highland car insurance company for customer service

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

Nationwide was the best company for customer service in Highland 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 Highland, 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 Highland. 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 Highland

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 19% of Highland residents who are renting, and don't plan to be in the city 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 Highland 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 Highland, 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 Highland

What Influences the Cost of Car Insurance in Highland?

On average, car insurance in Highland 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 city are influenced by the following factors:

  • The average commute time in Highland is 32 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 Highland 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.
  • Highland is one of the least populated areas in the state. The city’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 Highland is $66 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 Cities

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