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Muncie Car Insurance

How much does car insurance cost in Muncie, IN? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Muncie?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Indiana has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Muncie typically pay around $70.27 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Indiana $75.12
Muncie, Indiana $70.27

Muncie, IN Best Car Insurance Companies

car insurance in Muncie

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Muncie coming in around $33.70 per month. Other companies to consider if you live in Muncie is USAA with an average cost of $54.79 per month and Pekin Insurance which typically runs around $66.45 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Muncie.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $33.70-55.14%
2 USAA $54.79-27.07%
3 Pekin Insurance $66.45-11.54%
4 State Farm $80.146.67%
5 Erie $80.276.85%
6 Grange Mutual $90.4320.38%
7 Auto-Owners Insurance Co $97.6329.96%
8 Westfield $98.1930.71%
9 Indiana Farmers Mutual Ins $100.4633.73%
10 Cincinnati Insurance $101.2334.76%

How Much is Car Insurance in Muncie, IN?

how much is auto insurance in Muncie

Rates can vary from city to city. The residents of Evansville typically pay $72.50 per month while people who live in Fort Wayne will pay $74.98 per month on average. See what people pay for car insurance in other cities in Indiana.

Indiana CitiesMonthly Average Rate
Evansville $72.50
Fort Wayne $74.98
Indianapolis $80.40
Muncie $68.90
South Bend $68.26
Terre Haute $68.96

Cheap Car Insurance in Muncie by Zip Codes

find cheap auto insurance in Muncie

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Indiana. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Muncie, IN ZIP CodeAverage Monthly Rate
47302$60.81
47303$74.40
47304$80.19
47305$54.84

Car Insurance Rates by Driver's Age Group in Muncie

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $128.13 per month in Muncie. Compare that to drivers in their 30’s who typically pay around $59.64 per month drivers in their 40s at $62.55 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$128.13
20s$101.66
30s$59.64
40s$62.55
50s$43.71
60s$45.29
70+$55.50

Cheapest Insurance for Teenage Drivers in Muncie

If you are teen in Muncie you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $106.42 per month. This is likely the most affordable option in Muncie. You might also want to consider Erie and Pekin Insurance who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$106.42
Erie$161.67
Pekin Insurance$167.00
Indiana Farmers Mutual Ins$197.58
Grange Mutual$197.67

Cheapest Insurance for 20 Year-olds in Muncie

20 year-olds in Muncie might want to consider Clearcover who, on average, offers car insurance rates around $38.59 per month. USAA , Pekin Insurance , Erie and State Farm are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$38.59
USAA$83.11
Pekin Insurance$108.83
Erie$136.61
State Farm$141.96

Cheapest Insurance for 30 Year-olds in Muncie

If you are in your 30s in Muncie our research has found that Clearcover typically has the most affordable coverage coming in around $35.65 per month, followed by USAA at $46.96 and Pekin Insurance at $51.40.

CompanyAverage Monthly Rate
Clearcover$35.65
USAA$46.96
Pekin Insurance$51.40
State Farm$55.94
Buckeye Insurance Group$63.08

Cheapest Insurance for 40 Year-olds in Muncie

On average, Clearcover offers car insurance for 40 year-olds in Muncie for around $31.66 per month. If you are looking for affordable coverage, you may also want to consider USAA or Pekin Insurance. The full list of top companies is below.

CompanyAverage Monthly Rate
Clearcover$31.66
USAA$47.65
Pekin Insurance$51.92
Erie$62.88
State Farm$65.46

Cheapest Insurance for 50 Year-olds in Muncie

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Muncie we found that Clearcover generally offers the most affordable coverage at $29.95 per month.

CompanyAverage Monthly Rate
Clearcover$29.95
USAA$39.87
Pekin Insurance$42.31
Buckeye Insurance Group$48.32
State Farm$49.47

Cheapest Insurance for 60 Year-olds in Muncie

If you live in Muncie and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $35.98 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Clearcover$35.98
USAA$36.23
State Farm$44.63
Pekin Insurance$45.60
Buckeye Insurance Group$49.08

Driver's Coverage Auto Insurance Rates in Muncie, IN

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Muncie, the average monthly rate for a driver who is currently insured is $64.35 while drivers who are not currently covered will pay around $77.05.

CoverageAverage Monthly Rate
Not Currently Insured $77.05
Currently Insured $64.35

Compare Recent Car Insurance Quotes in Muncie

auto insurance quotes in Muncie city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Muncie a driver of a 2019 Kia Optima can expect to pay around $38.73 per month while someone that owns a 2008 Chevrolet Impala may pay around $36.07 per month. Check out the list of recent quotes in Muncie below.

VehicleAverage Monthly Rate
2019 Kia Optima$38.73
2008 Chevrolet Impala$36.07
2019 Kia Soul$27.17
2008 Nissan Versa$37.34
2013 Dodge Avenger$26.83
2004 Ford Ranger$29.07
2014 Chevrolet Cruze$69.65
2011 Hyundai Tucson$27.42
2002 Hyundai Elantra$39.94
2001 Chevrolet Blazer$27.63

FAQ's for Drivers in Muncie, IN

driver’s frequently asked question in Muncie

What Is the Minimum Liability Coverage Requirement in Muncie, IN?

Indiana law requires that drivers carry at least $25,000 per person of bodily injury liability, $50,000 per accident of bodily injury liability, and $10,000 per accident of property damage liability.

Indiana is a tort state when it comes to auto accidents. This means the insurance company of the driver found at fault in an accident must pay damages to everyone injured in the accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Although laws in Indiana do not require drivers to carry comprehensive and collision insurance, most lenders insist on this level of financial protection when financing a vehicle. The cost of this extra insurance should be factored into your overall monthly payments when considering an auto loan.

What Is the Blood Alcohol Concentration (BAC) limit in Muncie, IN?

It’s illegal for people to drive a vehicle in Indiana with the following BAC percentages:

.08%+ for 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ for under 21 years old

In Indiana, you can be charged with operating a vehicle while intoxicated (OWI) if you have a BAC or any illegal drugs in your system. This is true even if your driving ability seems intact. You can also be charged if you drive while impaired, no matter what amount of alcohol or drugs you’ve consumed.

What are the consequences of being convicted of a DUI?

Penalties for an OWI or DUI charge are stiff in Indiana. First-time offenders may face 60 days to 1 year in prison, $500 to $5,000 in fines, and up to 2 years with a suspended license. These increase with subsequent offenses, and by a third offense, and ignition interlock device is typically mandated.

While most states have a “lookback” period in which they count prior convictions in determining whether an offense is a repeat offense often 3 or 5 years), Indiana courts consider two periods—5 and 10 years—when sentencing.

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Commute Time in Muncie, IN

18.9 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Muncie, IN

1169

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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