Cheapest Car Insurance In Muncie, IN 2025
USAA offers the most affordable minimum coverage car insurance in Muncie, costing about $30 per month on average.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the cheapest car insurance in Muncie, IN, can be challenging, as rates vary widely.
For liability-only coverage, USAA offers the lowest prices. If you’re looking for full coverage, Hastings Mutual Insurance provides the best rates. Meanwhile, young drivers can get the most affordable premiums from Clearcover.
Cheapest Car Insurance In Muncie, IN
Cheapest Liability-only Car Insurance In Muncie: USAA
USAA offers the lowest rates for minimum coverage car insurance in Muncie, with an average cost of $30 per month.
Check the table below to compare prices from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $38 | $456 |
| Auto-Owners | $33 | $396 |
| State Farm | $60 | $720 |
| USAA | $30 | $360 |
| Hastings Mutual Insurance | $35 | $420 |
Cheapest Full Coverage Insurance Rates In Muncie: Hastings Mutual Insurance
Hastings Mutual Insurance offers the most affordable full coverage car insurance in Muncie, with average rates of $86 per month.
See the table below for a comparison of quotes from budget-friendly insurers in Muncie.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $90 | $1,080 |
| Auto-Owners | $97 | $1,164 |
| Progressive | $129 | $1,548 |
| Hastings Mutual Insurance | $86 | $1,032 |
| GEICO | $115 | $1,380 |
Cheapest Car Insurance Rates For Seniors: Clearcover
Clearcover offers the lowest car insurance rates for seniors in Muncie, with an average cost of $35 per month.
Check the table below for a comparison of the most affordable quotes for senior drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $56 | $672 |
| SafeAuto | $48 | $576 |
| Pekin Insurance | $60 | $720 |
| Clearcover | $35 | $420 |
| USAA | $55 | $660 |
Cheapest Rates In Muncie For Teenagers: USAA
Teenage drivers in Muncie can get the most affordable rates from USAA, with average monthly premiums of $248.
Refer to the table below for a comparison of the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $398 | $4,776 |
| Hastings Mutual Insurance | $256 | $3,072 |
| Auto-Owners | $350 | $4,200 |
| GEICO | $291 | $3,492 |
| USAA | $248 | $2,976 |
Cheapest Auto Insurance For Young Adults in Muncie: Clearcover
Clearcover provides the most affordable car insurance for young adults in Muncie, with an average monthly rate of $63.
Check the table below to compare the cheapest insurance rates in Muncie for young adult drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Pekin Insurance | $86 | $1,032 |
| SafeAuto | $79 | $948 |
| State Farm | $94 | $1,128 |
| Clearcover | $63 | $756 |
| USAA | $82 | $984 |
Cheapest Car Insurance In Muncie For Good Drivers: USAA
Good drivers in Muncie can get the lowest car insurance rates from USAA, with an average cost of $32 per month.
Use the table below to compare quotes from the most budget-friendly insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Hastings Mutual Insurance | $36 | $432 |
| GEICO | $42 | $504 |
| USAA | $32 | $384 |
| Auto-Owners | $35 | $420 |
| Progressive | $39 | $468 |
Find Affordable Muncie Rates
Cheapest Car Insurance In Muncie After A Speeding Ticket: Auto-Owners
Auto-Owners offers some of the most affordable rates in Muncie, with an average cost of $39 per month for drivers with a speeding ticket.
Check the table below to compare average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $54 | $648 |
| State Farm | $41 | $492 |
| Clearcover | $62 | $744 |
| Auto-Owners | $39 | $468 |
| USAA | $47 | $564 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Auto-Owners provides the most affordable car insurance for drivers with an at-fault accident, averaging $42 per month.
Below is a list of insurance companies offering the lowest rates for drivers with an at-fault incident.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $61 | $732 |
| USAA | $50 | $600 |
| State Farm | $46 | $552 |
| Auto-Owners | $42 | $504 |
| GEICO | $49 | $588 |
Cheapest Rates In Muncie For Drivers After A DUI: Auto-Owners
Auto-Owners offers the lowest car insurance rates for drivers with a DUI in Muncie, with average monthly premiums of $45.
Check the table below for the most affordable insurance options for drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $70 | $840 |
| State Farm | $49 | $588 |
| Clearcover | $78 | $936 |
| Auto-Owners | $45 | $540 |
| USAA | $53 | $636 |
Best Car Insurance Companies In Muncie
Drivers in Muncie can get the best insurance rates from USAA at $52 per month. Clearcover is another affordable option at $58 per month, followed by Auto-Owners at $62 per month.
The table below lists the top 10 car insurance companies in Muncie, IN, based on their average monthly rates.
| Company | Monthly Premium |
| USAA | $52 |
| Clearcover | $58 |
| Auto-Owners | $62 |
| SafeAuto | $70 |
| State Farm | $74 |
| Pekin Insurance | $79 |
| Dairyland Auto | $85 |
| National General | $91 |
| Progressive | $96 |
| GEICO | $102 |
Average Auto Insurance Rates In Muncie- By Age
Age plays a significant role in determining car insurance rates. Younger drivers tend to face higher premiums due to their inexperience and higher risk of accidents and violations. Teenagers, for example, typically pay around $3,600 annually for car insurance.
As drivers approach 25, their rates often start to decrease, provided they have a clean driving record.
Drivers in their 50s and early 60s usually receive the most competitive rates, as insurance companies see this age group as having more driving experience and lower risk.
| Age | Average Yearly Rate |
| Teenagers | $3,600 |
| 20s | $1,164 |
| 30s | $912 |
| 40s | $864 |
| 50s | $732 |
| 60s | $804 |
| 70s | $840 |
Average Rates In Muncie- By Vehicle
The vehicle you drive significantly impacts your car insurance rates. Insurers consider factors like the make, model, year, and body type of your car when calculating premiums. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, have higher insurance rates.
Use the table below to compare average insurance rates for various vehicles in Muncie.
| Vehicle | Average Monthly Rate |
| Toyota Camry | $61 |
| Dodge Charger | $148 |
| KIA Soul | $75 |
| Chevrolet Equinox | $194 |
| Chevrolet Cruze | $270 |
How Much Is Car Insurance In Other Cities in Indiana?
Where you live plays a major role in determining your car insurance rates. Insurers assess factors like accident likelihood, vehicle theft, and vandalism rates, which tend to be higher in urban areas. As a result, premiums are usually more expensive in these locations.
For instance, drivers in Carmel typically pay about $79 per month for car insurance, while those in Jeffersonville can expect to pay an average of $105 per month.
| City | Average Monthly Rate |
| Carmel | $79 |
| Jeffersonville | $105 |
| Kokomo | $83 |
| Lafayette | $87 |
| Anderson | $90 |
| Bloomington | $86 |
| Fort Wayne | $109 |
| Crawfordsville | $72 |
| Elkhart | $99 |
| Evansville | $92 |
Average Cost Of Auto Insurance In Muncie- By Zip Code
Zip codes play a key role in helping insurers assess crime rates in your area, which affects car insurance rates. As a result, premiums can vary depending on the zip code.
Refer to the table below to compare average insurance rates for different zip codes in Muncie.
| Zip Code | Average Monthly Rate |
| 47302 | $75 |
| 47303 | $81 |
| 47304 | $72 |
| 47305 | $63 |
| 47306 | $68 |
Find Affordable Muncie Rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Muncie, IN.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Muncie?
The lowest car insurance rates in Muncie are offered by USAA for the minimum coverage required by the State of Indiana and Hastings Mutual Insurance for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Muncie?
The average car insurance cost in Muncie is around $76 per month. However, rates can vary depending on factors such as your zip code, vehicle year and model, driving history, and other personal details.
Related Content
Car Insurance For 30 Years Old Are Red Cars More Expensive To Insure? Does Insurance Cover Stolen Car If Keys Left?
Auto Insurance In Your Area
Car Insurance Fort Lauderdale Car Insurance Fort Myers Car Insurance Pensacola FL
