Compare Carmel, IN Car Insurance Rates [2024]
Car insurance in Carmel, IN averages $256 a month. Carmel, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Carmel car insurance rates, compare quotes from the top car insurance companies in Carmel, IN.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Carmel for teen drivers is USAA
- Average car insurance rates in Carmel, IN are $3,071/year
- The cheapest ZIP code in Carmel is 46033
If you need to buy Carmel, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Carmel, IN is right here.
You’ll find Carmel car insurance rates, the cheapest Carmel, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Carmel, Indiana car insurance rates to Hammond car insurance rates, Indianapolis car insurance rates, and Evansville car insurance rates.
Ready to find affordable Carmel, IN car insurance today? Enter your ZIP code for fast, free Carmel car insurance quotes.
Cheapest Carmel, IN Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Carmel, IN car insurance rates? Every Carmel, Indiana car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,102 | $2,142 | $1,864 | $2,038 | $6,649 | $8,433 | $2,096 | $2,277 |
| American Family | $2,234 | $2,234 | $2,018 | $2,018 | $6,339 | $9,118 | $2,234 | $2,731 |
| Farmers | $1,438 | $1,420 | $1,225 | $1,377 | $7,790 | $8,311 | $1,904 | $2,061 |
| Geico | $1,505 | $1,497 | $1,416 | $1,469 | $4,487 | $4,160 | $1,728 | $1,514 |
| Liberty Mutual | $3,231 | $3,231 | $2,977 | $2,977 | $6,970 | $10,480 | $3,231 | $4,398 |
| Nationwide | $1,519 | $1,549 | $1,337 | $1,421 | $4,457 | $5,760 | $1,786 | $1,947 |
| Progressive | $1,596 | $1,500 | $1,452 | $1,463 | $9,494 | $10,616 | $1,993 | $2,014 |
| State Farm | $1,400 | $1,400 | $1,260 | $1,260 | $4,425 | $5,653 | $1,557 | $1,733 |
| Travelers | $1,195 | $1,214 | $1,127 | $1,124 | $7,558 | $11,939 | $1,270 | $1,456 |
| USAA | $1,014 | $995 | $950 | $950 | $2,899 | $3,223 | $1,368 | $1,454 |
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Minimum Car Insurance in Carmel, IN
Every driver must carry the minimum car insurance in Carmel, IN. Take a look at the Indiana car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Carmel, IN Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Carmel, IN. Compare credit history car insurance rates in Carmel from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,253 | $3,192 | $2,906 |
| American Family | $4,959 | $3,207 | $2,682 |
| Farmers | $3,719 | $3,038 | $2,815 |
| Geico | $2,673 | $2,222 | $1,771 |
| Liberty Mutual | $6,239 | $4,063 | $3,758 |
| Nationwide | $2,812 | $2,377 | $2,228 |
| Progressive | $4,141 | $3,681 | $3,476 |
| State Farm | $3,404 | $2,030 | $1,574 |
| Travelers | $3,738 | $3,172 | $3,171 |
| USAA | $2,160 | $1,432 | $1,228 |
Cheapest Carmel, IN Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Carmel, IN to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,749 | $4,053 | $3,731 | $3,268 |
| American Family | $2,491 | $3,972 | $5,032 | $2,969 |
| Farmers | $2,851 | $3,334 | $3,430 | $3,148 |
| Geico | $1,445 | $2,302 | $3,141 | $2,001 |
| Liberty Mutual | $3,591 | $4,282 | $6,893 | $3,981 |
| Nationwide | $2,133 | $2,735 | $2,625 | $2,395 |
| Progressive | $2,823 | $4,965 | $3,365 | $3,912 |
| State Farm | $2,278 | $2,511 | $2,278 | $2,278 |
| Travelers | $2,856 | $3,528 | $3,995 | $3,062 |
| USAA | $1,209 | $1,729 | $1,987 | $1,502 |
Cheapest Carmel, IN Car Insurance for Teen Drivers
Teen car insurance in Carmel, IN can be expensive. Take a look at rates from the top car insurance companies in Carmel for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,649 | $8,433 |
| American Family | $6,339 | $9,118 |
| Farmers | $7,790 | $8,311 |
| Geico | $4,487 | $4,160 |
| Liberty Mutual | $6,970 | $10,480 |
| Nationwide | $4,457 | $5,760 |
| Progressive | $9,494 | $10,616 |
| State Farm | $4,425 | $5,653 |
| Travelers | $7,558 | $11,939 |
| USAA | $2,899 | $3,223 |
Cheapest Carmel, IN Car Insurance for Seniors
Take a look at Carmel, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,864 | $2,038 |
| American Family | $2,018 | $2,018 |
| Farmers | $1,225 | $1,377 |
| Geico | $1,416 | $1,469 |
| Liberty Mutual | $2,977 | $2,977 |
| Nationwide | $1,337 | $1,421 |
| Progressive | $1,452 | $1,463 |
| State Farm | $1,260 | $1,260 |
| Travelers | $1,127 | $1,124 |
| USAA | $950 | $950 |
Cheapest Carmel, IN Car Insurance Rates After a DUI
A DUI in Carmel, IN increases car insurance rates. Compare Carmel, Indiana DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,731 |
| American Family | $5,032 |
| Farmers | $3,430 |
| Geico | $3,141 |
| Liberty Mutual | $6,893 |
| Nationwide | $2,625 |
| Progressive | $3,365 |
| State Farm | $2,278 |
| Travelers | $3,995 |
| USAA | $1,987 |
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Cheapest Carmel, IN Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Carmel, IN by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,450 | $3,450 |
| American Family | $3,572 | $3,660 |
| Farmers | $3,191 | $3,191 |
| Geico | $2,186 | $2,258 |
| Liberty Mutual | $4,564 | $4,809 |
| Nationwide | $2,472 | $2,472 |
| Progressive | $3,766 | $3,766 |
| State Farm | $2,270 | $2,402 |
| Travelers | $3,360 | $3,360 |
| USAA | $1,586 | $1,628 |
Cheapest Carmel, IN Car Insurance Rates by ZIP Code
Carmel car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Carmel, IN.
| ZIP Code | Average Annual Rates |
|---|---|
| 46032 | $3,015 |
| 46033 | $2,999 |
The Best Cheap Car Insurance Companies in Carmel, IN
Take a look at a side-by-side comparison of the top car insurance companies in Carmel, IN to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,450 |
| American Family | $3,616 |
| Farmers | $3,191 |
| Geico | $2,222 |
| Liberty Mutual | $4,687 |
| Nationwide | $2,472 |
| Progressive | $3,766 |
| State Farm | $2,336 |
| Travelers | $3,360 |
| USAA | $1,607 |
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Category Winners: Cheapest Car Insurance in Carmel, Indiana
Find the cheapest car insurance companies in Carmel, IN for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Carmel, IN Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Carmel car insurance rates. Find the cheapest Carmel, IN car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,271 | $3,435 | $3,645 |
| American Family | $3,565 | $3,735 | $3,548 |
| Farmers | $3,087 | $3,186 | $3,299 |
| Geico | $2,092 | $2,216 | $2,359 |
| Liberty Mutual | $4,504 | $4,673 | $4,883 |
| Nationwide | $2,502 | $2,454 | $2,460 |
| Progressive | $3,555 | $3,707 | $4,037 |
| State Farm | $2,214 | $2,336 | $2,459 |
| Travelers | $3,297 | $3,391 | $3,393 |
| USAA | $1,548 | $1,603 | $1,669 |
What affects car insurance rates in Carmel, Indiana?
What factors can have an impact on Carmel, IN car insurance? There are several reasons why Carmel car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Carmel, Indiana.
Car Theft in Carmel
High levels of vehicle theft can make car insurance more expensive. Carmel, IN car theft statistics from the FBI indicate 60 vehicle thefts a year.
Commute Time in Carmel
The more time you spend in your car the higher the risk of an accident. The average commute length in Carmel, IN is 24.0 minutes according to City-Data.
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Compare Car Insurance Quotes in Carmel, IN
Ready to find affordable Carmel, Indiana car insurance today? Enter your ZIP code for fast, free Carmel, IN car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Carmel, IN?
The average monthly car insurance rate in Carmel, IN is $256.
What are the car insurance requirements in Carmel, IN?
The car insurance requirements in Carmel, IN are 25/50/25, which means you must have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
Do I need full coverage insurance if my car is financed?
Yes, if your car is financed, you will likely need full coverage insurance, which includes comprehensive and collision coverage in addition to the liability coverage required by the state.
How can I find cheap car insurance rates in Carmel, IN?
To find cheap car insurance rates in Carmel, IN, you can compare quotes from the top car insurance companies in the area.
How does age, gender, and marital status affect car insurance rates in Carmel, IN?
Age, gender, and marital status can affect car insurance rates differently for each car insurance company in Carmel, IN.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.