Cheapest Car Insurance In Carmel, IN 2025
Auto-Owners offers the most affordable minimum coverage car insurance in Carmel, with an average monthly cost of $28.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Carmel, IN, can be challenging, as prices differ significantly.
For those needing the lowest-cost liability coverage, Auto-Owners stands out as the top choice. It also provides the best rates for full coverage policies. However, young drivers can find the most budget-friendly option with Liberty Mutual.
Cheapest Car Insurance In Carmel, IN
Cheapest Liability-only Car Insurance In Carmel: Auto-Owners
Auto-Owners offers the most affordable minimum coverage car insurance in Carmel, with an average monthly rate of $28.
Check the table below to compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $45 | $540 |
| State Farm | $32 | $384 |
| GEICO | $39 | $468 |
| USAA | $34 | $408 |
| Auto-Owners | $28 | $336 |
Cheapest Full Coverage Insurance Rates In Carmel: Auto-Owners
Auto-Owners offers the lowest rates for full coverage car insurance in Carmel, with an average monthly cost of $55.
Refer to the table below to compare quotes from other budget-friendly insurers in Carmel.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $68 | $816 |
| State Farm | $60 | $720 |
| Clearcover | $81 | $972 |
| Auto-Owners | $55 | $660 |
| GEICO | $70 | $840 |
Cheapest Car Insurance Rates For Seniors: Clearcover
Clearcover offers the most affordable car insurance for seniors in Carmel, with an average monthly cost of $34.
The table below lists the most budget-friendly auto insurance options for seniors, along with their average rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Pekin Insurance | $60 | $720 |
| State Farm | $45 | $540 |
| American Family | $65 | $780 |
| Clearcover | $34 | $408 |
| USAA | $51 | $612 |
Cheapest Rates In Carmel For Teenagers: USAA
Teenage drivers in Carmel can get the lowest insurance rates from USAA, with an average monthly premium of $106.
The table below highlights the insurance providers offering the most affordable insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Indiana Farmers Mutual | $138 | $1,536 |
| SafeAuto | $130 | $1,560 |
| Allstate | $155 | $1,860 |
| USAA | $106 | $1,272 |
| Pekin Insurance | $136 | $1,632 |
Cheapest Auto Insurance For Young Adults in Carmel: Liberty Mutual
Liberty Mutual provides the most affordable car insurance for young adults in Carmel, with an average monthly rate of $61.
The table below allows you to compare the lowest auto insurance rates for young adults in Carmel.
| Provider | Average Monthly Cost | Average Annual Cost |
| Pekin Insurance | $118 | $1,416 |
| SafeAuto | $85 | $1,020 |
| Indiana Farmers Mutual | $130 | $1,560 |
| Liberty Mutual | $61 | $732 |
| USAA | $98 | $1,176 |
Cheapest Car Insurance In Carmel For Good Drivers: Auto-Owners
Auto-Owners offers the lowest car insurance rates for good drivers in Carmel, with an average cost of $30 per month.
If you have a clean driving record, the table below can help you compare the most affordable insurance options.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $35 | $420 |
| Auto-Owners | $30 | $360 |
| State Farm | $31 | $372 |
| American Family | $42 | $504 |
| USAA | $33 | $396 |
Find Affordable Carmel Rates
Cheapest Car Insurance In Carmel After A Speeding Ticket: Auto-Owners
Auto-Owners stands out as one of the most affordable options in Carmel, offering an average monthly rate of $35 for drivers with a speeding ticket.
The table below provides a comparison of average insurance rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $45 | $540 |
| State Farm | $40 | $480 |
| American Family | $51 | $612 |
| Auto-Owners | $35 | $420 |
| USAA | $43 | $516 |
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, with an average monthly rate of $40.
Below is a list of insurance companies offering the lowest rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $43 | $516 |
| Clearcover | $68 | $816 |
| American Family | $57 | $684 |
| Auto-Owners | $40 | $480 |
| State Farm | $46 | $552 |
Free Policy Review: Spot Gaps. Cut Costs.
Cheapest Rates In Carmel For Drivers After A DUI: Auto-Owners
Auto-Owners offers the most affordable rates for drivers in Carmel with a DUI, with average monthly premiums of $43.
Drivers with a DUI in Carmel can find the lowest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $52 | $624 |
| GEICO | $56 | $672 |
| Auto-Owners | $43 | $516 |
| Clearcover | $86 | $1,032 |
| USAA | $55 | $660 |
Best Car Insurance Companies In Carmel
In Carmel, the best deal on car insurance is offered by Auto-Owners, with rates starting at $55 per month. Other options include State Farm, priced at $60 per month, and USAA, which charges $63 monthly.
Below are the top 10 car insurance companies in Carmel, IN, ranked by their average monthly rates.
| Company | Monthly Premium |
| Auto-Owners | $55 |
| State Farm | $60 |
| USAA | $63 |
| GEICO | $65 |
| SafeAuto | $72 |
| Clearcover | $81 |
| Pekin Insurance | $86 |
| Co Buckeye Insurance Group | $100 |
| Indiana Farmers Mutual | $104 |
| Hastings Mutual Insurance | $109 |
Average Auto Insurance Rates In Carmel- By Age
Age plays a significant role in determining car insurance rates. Younger drivers typically face higher rates because of their inexperience and a greater chance of accidents or violations. Teenagers, for example, can expect to pay about $1,476 annually for insurance.
Once drivers turn 25, their rates often begin to drop, provided they maintain a clean driving record.
Drivers in their 50s and early 60s usually receive the lowest premiums. Insurance companies use age to evaluate driving experience and risk, which directly impacts the cost of coverage.
| Age | Average Yearly Rate |
| Teenagers | $1,476 |
| 20s | $1,320 |
| 30s | $1,140 |
| 40s | $900 |
| 50s | $780 |
| 60s | $672 |
| 70s | $828 |
Average Rates In Carmel- By Vehicle
The make, model, year, and body type of your vehicle greatly influence your car insurance premiums. Insurance companies often charge higher rates for newer cars, especially luxury models, due to their advanced features and higher replacement costs.
The table below shows average car insurance rates in Carmel for various types of vehicles.
| Vehicle | Average Monthly Rate |
| Chevrolet Equinox | $120 |
| Volkswagen Jetta | $137 |
| Ford Fusion | $70 |
| Toyota Corolla | $68 |
| Chevrolet Spark | $132 |
How Much Is Car Insurance In Other Cities in Indiana?
Where you live has a major impact on your car insurance rates. Insurers consider factors like accident frequency, vehicle theft, and vandalism, which tend to be higher in urban areas, often leading to increased premiums.
For instance, drivers in Muncie pay around $76 per month for car insurance, while those in Jeffersonville face an average rate of $105 per month.
| City | Average Monthly Rate |
| Muncie | $76 |
| Jeffersonville | $105 |
| Kokomo | $80 |
| Lafayette | $89 |
| Anderson | $82 |
| Bloomington | $90 |
| Fort Wayne | $107 |
| Crawfordsville | $72 |
| Elkhart | $96 |
| Evansville | $93 |
Average Cost Of Auto Insurance In Carmel- By Zip Code
Insurance companies use zip codes to assess crime rates in different areas, which affects car insurance costs. As a result, insurance rates vary by zip code.
The table below shows the average car insurance rates for various zip codes in Carmel.
| Zip Code | Average Monthly Rate |
| 46280 | $73 |
| 46074 | $55 |
| 46032 | $82 |
| 46077 | $67 |
| 46033 | $89 |
Find Affordable Carmel 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 Carmel, IN.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Carmel?
Auto-Owners offers the most affordable car insurance in Carmel, providing the lowest rates for both the state-required minimum coverage and full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Carmel?
Car insurance in Carmel costs an average of $79 per month. However, your actual rate may vary depending on factors like your zip code, vehicle make and model, and driving history.
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