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Get Cheap Car Insurance in Rising Sun, IN

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

 

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The Cheapest Minimum Coverage in Rising Sun

The chart below shows the cheapest car insurance company in Rising Sun 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.

 
Rising Sun Insurer Monthly Cost
Auto-Owners Insurance $45
State Farm $48
Safe Auto $49
Travelers $49

Savings for Every Kind of Rising Sun Driver

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

Based on our extensive insurance data, we know the average Rising Sun 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 Rising Sun residents are paying out over $1,202 extra every year for auto insurance in Rising Sun. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Rising Sun, IN Savings / Yr.
Drivers with good records
$350
Drivers with accidents
$547
Drivers with speeding tickets
$443
Drivers with a DUI conviction
$313
Young drivers
$628
Married drivers
$268
Drivers with bad credit
$383

Rising Sun Car Insurance vs. Indiana

People living in Rising Sun pay an average of 1.68% less than the typical driver in the state. The average driver in Rising Sun can expect to pay about $745 per year, or $1,202 for full coverage.

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

Car Insurance Prices by Rising Sun Neighborhood

Rising Sun, 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 Rising Sun?

The map shows insurance prices in and around Rising Sun, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $101 per year within the city boundaries, with insurance premiums ranging from a high of $1,277 to a low of $1,176. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of Rising Sun.

Pick the Best Car Insurance Company for You in Rising Sun

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

The best car insurance provider for most drivers in Rising Sun

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

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

In Rising Sun getting into an accident will raise premiums an average 38% for a yearly cost of $1,949. 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 $547 over the competition.

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The best car insurance company for Rising Sun 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 Rising Sun, 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 $1,644 per year.

The best auto insurance for Rising Sun drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,792 per year in auto insurance premiums, which was $591 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 Rising Sun

In Rising Sun, 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 Rising Sun. With an average cost of $3,397 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 Rising Sun

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 Rising Sun.

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

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The cheapest car insurance in Rising Sun 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 $1,844 in Rising Sun. 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 Rising Sun car insurance company for customer service

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

Nationwide was the best company for customer service in Rising Sun 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 Rising Sun, 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 Rising Sun. 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 Rising Sun

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 24% of Rising Sun 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 Rising Sun 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 Rising Sun, 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 Rising Sun

What Influences the Cost of Car Insurance in Rising Sun?

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

  • The average commute time in Rising Sun is 38 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 13 to 14 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Rising Sun are lower than average 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.
  • Rising Sun is a fairly densely populated area in the state. The city’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 Rising Sun 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 Cities

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