Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The annual number of car thefts in Kokomo is 81.
  • The cheapest car insurance company in Kokomo after a DUI is USAA
  • Average car insurance rates in Kokomo, IN are $276/month

Average car insurance rates in Kokomo, Indiana are $276 a month. But with a little research you can get a great deal from the top car insurance companies in Kokomo, IN. Before you buy Kokomo, Indiana car insurance, make sure your coverage meets or exceeds the Indiana minimum of 25/50/25.

It may even be helpful to compare Kokomo car insurance rates with Bloomington car insurance rates, Indianapolis car insurance rates, or Hammond car insurance rates to make sure you’re getting the best Kokomo, IN car insurance quotes available.

Need affordable Kokomo, IN car insurance? Enter your ZIP code to compare Kokomo car insurance quotes from multiple car insurance companies near you.

Kokomo, IN Minimum Car Insurance Coverage

Kokomo, Indiana law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Kokomo, Indiana

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

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Kokomo, IN Car Insurance Rates by Coverage Level

Some Kokomo drivers can get by with the Indiana minimum coverage of 25/50/25. Other drivers may need more. See how much your Kokomo, Indiana car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Kokomo, Indiana

Insurance Company Low Medium High
Allstate $3,750 $3,928 $4,152
American Family $3,761 $3,930 $3,723
Farmers $3,409 $3,517 $3,641
GEICO $2,040 $2,168 $2,315
Liberty Mutual $5,206 $5,394 $5,626
Nationwide $2,956 $2,913 $2,932
Progressive $3,641 $3,801 $4,150
State Farm $2,228 $2,352 $2,477
Travelers $3,467 $3,585 $3,602
USAA $1,514 $1,569 $1,635

Kokomo, IN Car Insurance Rates by Age, Gender, and Marital Status

Kokomo, Indiana car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Kokomo, IN car insurance, get quotes from multiple car insurance companies in the Kokomo area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Kokomo, Indiana

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 $2,412 $2,465 $2,125 $2,324 $7,574 $9,570 $2,433 $2,646
American Family $2,368 $2,368 $2,132 $2,132 $6,614 $9,551 $2,368 $2,905
Farmers $1,599 $1,581 $1,367 $1,534 $8,563 $9,149 $2,108 $2,278
GEICO $1,471 $1,469 $1,384 $1,439 $4,389 $4,074 $1,688 $1,482
Liberty Mutual $3,719 $3,719 $3,424 $3,424 $8,058 $12,131 $3,719 $5,073
Nationwide $1,788 $1,824 $1,566 $1,670 $5,314 $6,891 $2,108 $2,305
Progressive $1,633 $1,539 $1,485 $1,494 $9,729 $10,911 $2,045 $2,075
State Farm $1,416 $1,416 $1,273 $1,273 $4,439 $5,678 $1,574 $1,749
Travelers $1,251 $1,271 $1,179 $1,177 $7,997 $12,687 $1,328 $1,521
USAA $996 $979 $932 $935 $2,822 $3,141 $1,345 $1,433

Kokomo, IN Car Insurance Rates for Teens

How much is Kokomo, Indiana car insurance for teens? Compare rates from top Kokomo car insurance companies below to help find the cheapest teen car insurance in Kokomo, IN.

Annual Car Insurance Rates for Teen Drivers in Kokomo, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,574 $9,570
American Family $6,614 $9,551
Farmers $8,563 $9,149
GEICO $4,389 $4,074
Liberty Mutual $8,058 $12,131
Nationwide $5,314 $6,891
Progressive $9,729 $10,911
State Farm $4,439 $5,678
Travelers $7,997 $12,687
USAA $2,822 $3,141

Kokomo, IN Car Insurance Rates for Seniors

Before seniors buy Kokomo, Indiana car insurance, they should make sure to shop around. Some Kokomo, IN car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Kokomo, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,125 $2,324
American Family $2,132 $2,132
Farmers $1,367 $1,534
GEICO $1,384 $1,439
Liberty Mutual $3,424 $3,424
Nationwide $1,566 $1,670
Progressive $1,485 $1,494
State Farm $1,273 $1,273
Travelers $1,179 $1,177
USAA $932 $935

Kokomo, IN Car Insurance Rates by Credit History

How does your credit history affect Kokomo, IN car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Kokomo, Indiana

Insurance Company Poor Fair Good
Allstate $4,879 $3,642 $3,309
American Family $5,211 $3,376 $2,826
Farmers $4,107 $3,354 $3,106
GEICO $2,615 $2,174 $1,734
Liberty Mutual $7,202 $4,688 $4,336
Nationwide $3,340 $2,818 $2,642
Progressive $4,250 $3,776 $3,565
State Farm $3,427 $2,044 $1,585
Travelers $3,951 $3,352 $3,351
USAA $2,115 $1,402 $1,203

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Kokomo, IN Car Insurance Rates by Driver History

How does a single speeding ticket affect your Kokomo, Indiana car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Kokomo.

Annual Kokomo, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,136 $4,627 $4,270 $3,741
American Family $2,622 $4,176 $5,296 $3,125
Farmers $3,149 $3,680 $3,783 $3,477
GEICO $1,419 $2,246 $3,067 $1,965
Liberty Mutual $4,162 $4,950 $7,914 $4,608
Nationwide $2,522 $3,252 $3,119 $2,841
Progressive $2,892 $5,097 $3,449 $4,017
State Farm $2,294 $2,527 $2,294 $2,294
Travelers $3,017 $3,728 $4,224 $3,236
USAA $1,185 $1,692 $1,943 $1,472

Kokomo, IN Car Insurance Rates With a DUI

Even a single DUI can increase your Kokomo, IN car insurance rates. Compare rates below to see which Kokomo car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Kokomo, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,270
American Family $5,296
Farmers $3,783
GEICO $3,067
Liberty Mutual $7,914
Nationwide $3,119
Progressive $3,449
State Farm $2,294
Travelers $4,224
USAA $1,943

Kokomo, IN Car Insurance Rates by ZIP Code

Just like Kokomo car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Kokomo, IN car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Kokomo, Indiana

ZIP Code Average Annual Rates
46901 $3,242
46902 $3,216

Kokomo, IN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Kokomo, IN car insurance rates may be. Let’s take a look at average car insurance rates from top Kokomo companies based on commute time.

Annual Car Insurance Rates by Commute Length in Kokomo, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,944 $3,944
American Family $3,759 $3,851
Farmers $3,522 $3,522
GEICO $2,138 $2,211
Liberty Mutual $5,267 $5,550
Nationwide $2,934 $2,934
Progressive $3,864 $3,864
State Farm $2,285 $2,419
Travelers $3,551 $3,551
USAA $1,552 $1,594

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Kokomo, IN Cheapest Car Insurance Rates

How do the top Kokomo, Indiana car insurance companies’ average rates stack up against the Kokomo average monthly car insurance rates of $276? Take a look and see.

Best Annual Car Insurance Rates by Company in Kokomo, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Kokomo, IN Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Kokomo, Indiana car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Kokomo, Indiana

Insurance Company Average Annual Rates
Allstate $3,944
American Family $3,805
Farmers $3,522
GEICO $2,174
Liberty Mutual $5,409
Nationwide $2,934
Progressive $3,864
State Farm $2,352
Travelers $3,551
USAA $1,573

Other Factors Affecting Kokomo, IN Car Insurance Rates

Before you buy Kokomo, Indiana car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Kokomo, IN Car Theft Rates

The car theft rate in Kokomo, IN will affect your car insurance rates. FBI data shows that the annual car theft rate for Kokomo, Indiana is 81 stolen cars.

Kokomo, IN Commute Time

How does your Kokomo, IN commute time compare with the average driver? In Kokomo, the average commute is 18.5 minutes.

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Kokomo, IN Car Insurance Quotes

Compare Kokomo, IN car insurance quotes from multiple companies by entering your ZIP code now.