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 cheapest car insurance company in Muncie for teen drivers is USAA
  • Average car insurance rates in Muncie, IN for senior drivers are $1,576/year
  • Average car insurance rates in Muncie, IN are $252/month

Average car insurance rates in Muncie, Indiana are $252 a month. But with a little research you can get a great deal from the top car insurance companies in Muncie, IN. Before you buy Muncie, Indiana car insurance, make sure your coverage meets or exceeds the Indiana minimum of 25/50/25.

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

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

Muncie, IN Minimum Car Insurance Coverage

Muncie, 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 Muncie, 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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Muncie, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Muncie, Indiana

Insurance Company Low Medium High
Allstate $3,406 $3,585 $3,810
American Family $3,387 $3,553 $3,379
Farmers $3,070 $3,172 $3,294
GEICO $1,836 $1,959 $2,100
Liberty Mutual $4,951 $5,121 $5,335
Nationwide $2,687 $2,618 $2,612
Progressive $3,389 $3,534 $3,848
State Farm $2,119 $2,230 $2,343
Travelers $2,798 $2,874 $2,872
USAA $1,507 $1,553 $1,609

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Muncie, 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 $2,192 $2,235 $1,941 $2,119 $6,937 $8,777 $2,208 $2,393
American Family $2,145 $2,145 $1,930 $1,930 $5,978 $8,627 $2,145 $2,616
Farmers $1,442 $1,424 $1,232 $1,385 $7,740 $8,248 $1,902 $2,057
GEICO $1,339 $1,335 $1,264 $1,314 $3,941 $3,651 $1,531 $1,343
Liberty Mutual $3,528 $3,528 $3,247 $3,247 $7,658 $11,535 $3,528 $4,816
Nationwide $1,622 $1,658 $1,423 $1,518 $4,746 $6,156 $1,905 $2,082
Progressive $1,516 $1,429 $1,379 $1,385 $9,031 $10,152 $1,899 $1,933
State Farm $1,349 $1,349 $1,210 $1,210 $4,197 $5,366 $1,497 $1,667
Travelers $1,035 $1,052 $976 $973 $6,372 $10,020 $1,097 $1,262
USAA $990 $974 $921 $926 $2,773 $3,100 $1,336 $1,428

Muncie, IN Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Muncie, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,937 $8,777
American Family $5,978 $8,627
Farmers $7,740 $8,248
GEICO $3,941 $3,651
Liberty Mutual $7,658 $11,535
Nationwide $4,746 $6,156
Progressive $9,031 $10,152
State Farm $4,197 $5,366
Travelers $6,372 $10,020
USAA $2,773 $3,100

Muncie, IN Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Muncie, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,941 $2,119
American Family $1,930 $1,930
Farmers $1,232 $1,385
GEICO $1,264 $1,314
Liberty Mutual $3,247 $3,247
Nationwide $1,423 $1,518
Progressive $1,379 $1,385
State Farm $1,210 $1,210
Travelers $976 $973
USAA $921 $926

Muncie, IN Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Muncie, Indiana

Insurance Company Poor Fair Good
Allstate $4,447 $3,327 $3,026
American Family $4,710 $3,052 $2,557
Farmers $3,710 $3,025 $2,802
GEICO $2,361 $1,965 $1,569
Liberty Mutual $6,838 $4,452 $4,117
Nationwide $3,004 $2,538 $2,374
Progressive $3,952 $3,508 $3,311
State Farm $3,250 $1,939 $1,503
Travelers $3,171 $2,688 $2,686
USAA $2,101 $1,383 $1,184

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Muncie, IN Car Insurance Rates by Driver History

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

Annual Muncie, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,861 $4,224 $3,903 $3,414
American Family $2,369 $3,784 $4,782 $2,823
Farmers $2,841 $3,320 $3,417 $3,138
GEICO $1,288 $2,031 $2,761 $1,780
Liberty Mutual $3,963 $4,705 $7,491 $4,383
Nationwide $2,271 $2,924 $2,804 $2,556
Progressive $2,690 $4,726 $3,209 $3,737
State Farm $2,176 $2,394 $2,176 $2,176
Travelers $2,421 $2,991 $3,387 $2,595
USAA $1,175 $1,671 $1,921 $1,457

Muncie, IN Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Muncie, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,903
American Family $4,782
Farmers $3,417
GEICO $2,761
Liberty Mutual $7,491
Nationwide $2,804
Progressive $3,209
State Farm $2,176
Travelers $3,387
USAA $1,921

Muncie, IN Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Muncie, Indiana

ZIP Code Average Annual Rates
47302 $2,957
47303 $2,913
47304 $2,881
47305 $2,940
47306 $2,995

Muncie, IN Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Muncie, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,600 $3,600
American Family $3,398 $3,482
Farmers $3,179 $3,179
GEICO $1,931 $1,998
Liberty Mutual $5,000 $5,271
Nationwide $2,639 $2,639
Progressive $3,590 $3,590
State Farm $2,168 $2,293
Travelers $2,848 $2,848
USAA $1,535 $1,577

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Muncie, IN Cheapest Car Insurance Rates

How do the top Muncie, Indiana car insurance companies’ average rates stack up against the Muncie average monthly car insurance rates of $252? Take a look and see.

Best Annual Car Insurance Rates by Company in Muncie, Indiana

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

Muncie, IN Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Muncie, Indiana

Insurance Company Average Annual Rates
Allstate $3,600
American Family $3,440
Farmers $3,179
GEICO $1,965
Liberty Mutual $5,136
Nationwide $2,639
Progressive $3,590
State Farm $2,231
Travelers $2,848
USAA $1,556

Other Factors Affecting Muncie, IN Car Insurance Rates

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

Muncie, IN Car Theft Rates

The car theft rate in Muncie, IN will affect your car insurance rates. FBI data shows that the annual car theft rate for Muncie, Indiana is 440 stolen cars.

Muncie, IN Commute Time

How does your Muncie, IN commute time compare with the average driver? In Muncie, the average commute is 18.7 minutes.

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Muncie, IN Car Insurance Quotes

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