How much does car insurance cost in Noblesville, IN? Check out the average rates that drivers pay below.
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 Noblesville typically pay around $84.71 per month compared to the national average of $144.94 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.
Area | Average Monthly Rate |
---|---|
National | $144.94 |
Indiana | $88.18 |
Noblesville, Indiana | $84.71 |
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 Noblesville coming in around $41.52 per month. Other companies to consider if you live in Noblesville is Pekin Insurance with an average cost of $74.53 per month and USAA which typically runs around $75.50 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Noblesville.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Clearcover | $41.52 | -52.92% |
2 | Pekin Insurance | $74.53 | -15.49% |
3 | USAA | $75.50 | -14.38% |
4 | Erie | $86.21 | -2.24% |
5 | Dairyland Auto | $87.85 | -0.38% |
6 | Hastings Mutual Insurance Co | $91.30 | 3.54% |
7 | State Farm | $93.26 | 5.76% |
8 | Kemper Auto Premium | $93.50 | 6.03% |
9 | Auto-Owners Insurance Co | $96.22 | 9.11% |
10 | NatGen Custom 360 | $97.83 | 10.94% |
Rates can vary from city to city. The residents of Anderson typically pay $77.19 per month while people who live in Bloomington will pay $82.72 per month on average. See what people pay for car insurance in other cities in Indiana.
Indiana Cities | Monthly Average Rate |
---|---|
Anderson | $77.19 |
Bloomington | $82.72 |
Crawfordsville | $76.82 |
Elkhart | $83.84 |
Evansville | $88.10 |
Fort Wayne | $91.25 |
Gary | $111.04 |
Hammond | $109.48 |
Indianapolis | $101.91 |
Jeffersonville | $101.02 |
Kokomo | $77.74 |
Lafayette | $81.07 |
Muncie | $75.81 |
Noblesville | $84.71 |
South Bend | $83.24 |
Terre Haute | $84.80 |
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.
Noblesville, IN ZIP Code | Average Monthly Rate |
---|---|
46060 | $84.95 |
46061 | $61.37 |
46062 | $84.36 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $167.46 per month in Noblesville. Compare that to drivers in their 30’s who typically pay around $80.15 per month drivers in their 40s at $69.10 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 Group | Average Monthly Rate |
---|---|
16-19 | $167.46 |
20s | $110.55 |
30s | $80.15 |
40s | $69.10 |
50s | $68.99 |
60s | $63.13 |
70+ | $78.22 |
If you are teen in Noblesville 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 $123.69 per month. This is likely the most affordable option in Noblesville. You might also want to consider Erie and Pekin Insurance who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
USAA | $123.69 |
Erie | $131.83 |
Pekin Insurance | $162.10 |
Indiana Farmers Mutual Ins | $165.88 |
Allstate | $169.73 |
20 year-olds in Noblesville might want to consider Clearcover who, on average, offers car insurance rates around $51.42 per month. USAA , Dairyland Auto , NatGen Custom 360 and Pekin Insurance are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
Clearcover | $51.42 |
USAA | $88.71 |
Dairyland Auto | $90.56 |
NatGen Custom 360 | $93.77 |
Pekin Insurance | $98.66 |
If you are in your 30s in Noblesville our research has found that Clearcover typically has the most affordable coverage coming in around $37.55 per month, followed by Utica National Ins Group at $62.00 and National General at $63.50.
Company | Average Monthly Rate |
---|---|
Clearcover | $37.55 |
Utica National Ins Group | $62.00 |
National General | $63.50 |
USAA | $64.39 |
Erie | $64.50 |
On average, Clearcover offers car insurance for 40 year-olds in Noblesville for around $37.03 per month. If you are looking for affordable coverage, you may also want to consider Pekin Insurance or USAA. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Clearcover | $37.03 |
Pekin Insurance | $59.45 |
USAA | $63.61 |
Hastings Mutual Insurance Co | $66.73 |
Erie | $72.30 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Noblesville we found that Clearcover generally offers the most affordable coverage at $34.70 per month.
Company | Average Monthly Rate |
---|---|
Clearcover | $34.70 |
Pekin Insurance | $59.89 |
NatGen Custom 360 | $60.53 |
Erie | $61.75 |
Travelers | $65.07 |
If you live in Noblesville and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $31.00 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
Clearcover | $31.00 |
Pekin Insurance | $59.45 |
USAA | $61.69 |
Hastings Mutual Insurance Co | $62.12 |
SafeAuto | $69.95 |
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 Noblesville, the average monthly rate for a driver who is currently insured is $82.07 while drivers who are not currently covered will pay around $88.75.
Coverage | Average Monthly Rate |
---|---|
Not Currently Insured | $88.75 |
Currently Insured | $82.07 |
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 Noblesville a driver of a 2000 Lexus Es can expect to pay around $43.57 per month while someone that owns a 2016 Dodge Dart may pay around $79.93 per month. Check out the list of recent quotes in Noblesville below.
Vehicle | Average Monthly Rate |
---|---|
2000 Lexus Es | $43.57 |
2016 Dodge Dart | $79.93 |
2013 Toyota Camry | $89.53 |
2020 Volkswagen Tiguan | $131.17 |
2019 Nissan Sentra | $69.88 |
2017 Toyota Corolla | $181.76 |
2001 Hyundai Santa Fe | $54.58 |
What Is the Minimum Liability Coverage Requirement in Noblesville, 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.
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 Noblesville, IN?
It’s illegal for people to drive a vehicle in Indiana with the following BAC percentages:
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.
Check Out Other Rates in Noblesville, IN Nearby Cities:
Commute Time in Noblesville, IN
26.1 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Noblesville, IN
1255 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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