Buy Cheap Memphis, IN Auto Insurance (2021)

Memphis, IN auto insurance rates average $299 a month. Minimum auto insurance requirements in Memphis, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Memphis, IN, compare Memphis auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Memphis is Liberty Mutual
  • Average auto insurance rates in Memphis, IN for teens drivers are $7,069/year
  • Average auto insurance rates in Memphis, IN after a DUI are $4,228/year

Finding affordable Memphis, Indiana auto insurance can be challenging, but everything you need to know to buy cheap Memphis, IN auto insurance with confidence is right here. Auto insurance rates in Memphis are affected by local factors as well as personal ones like your driving record.

See how Memphis, IN car insurance rates compare to Indianapolis auto insurance rates, Gary auto insurance rates, and Evansville auto insurance rates before you read more about the cost of auto insurance in Memphis.

Don’t buy Memphis, IN auto insurance until you’ve compared rates. Get free Memphis, Indiana auto insurance quotes when you enter your ZIP code above.

Memphis, IN Minimum Auto Insurance Requirements

The required auto insurance in Memphis, IN is 25/50/25 according to the auto insurance laws in Indiana. The minimum auto insurance in Memphis, Indiana is outlined here.

Minimum Required Auto Insurance Coverage in Memphis, 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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Find Cheap Memphis, IN Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Memphis, IN. Take a look at Memphis, Indiana auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Memphis, Indiana

Insurance Company Poor Fair Good
Allstate $4,821 $3,584 $3,259
American Family $5,388 $3,498 $2,927
Farmers $4,251 $3,472 $3,221
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,907 $5,146 $4,759
Nationwide $3,804 $3,206 $2,998
Progressive $4,996 $4,431 $4,181
State Farm $3,877 $2,311 $1,791
Travelers $3,997 $3,387 $3,385
USAA $2,540 $1,695 $1,458

Buy Cheap Memphis, IN Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Memphis, Indiana auto insurance rates? Find out how car insurance rates in Memphis, IN are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Memphis, 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 $2,403 $2,462 $2,112 $2,314 $7,387 $9,342 $2,438 $2,645
American Family $2,473 $2,473 $2,219 $2,219 $6,768 $9,826 $2,473 $3,050
Farmers $1,624 $1,599 $1,390 $1,567 $8,953 $9,585 $2,151 $2,314
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $4,048 $4,048 $3,718 $3,718 $8,901 $13,457 $4,048 $5,562
Nationwide $2,022 $2,067 $1,766 $1,887 $6,062 $7,878 $2,388 $2,615
Progressive $1,913 $1,810 $1,736 $1,746 $11,393 $12,838 $2,404 $2,448
State Farm $1,634 $1,634 $1,454 $1,454 $4,945 $6,339 $1,807 $2,011
Travelers $1,291 $1,314 $1,211 $1,211 $8,035 $12,706 $1,367 $1,582
USAA $1,206 $1,189 $1,129 $1,137 $3,378 $3,760 $1,636 $1,747

Buy Cheap Memphis, IN Auto Insurance for Teen Drivers

Auto insurance for teenagers in Memphis can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Memphis, IN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Memphis, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,387 $9,342
American Family $6,768 $9,826
Farmers $8,953 $9,585
GEICO $4,871 $4,549
Liberty Mutual $8,901 $13,457
Nationwide $6,062 $7,878
Progressive $11,393 $12,838
State Farm $4,945 $6,339
Travelers $8,035 $12,706
USAA $3,378 $3,760

Buy Cheap Memphis, IN Auto Insurance for Seniors

You can save on senior auto insurance rates in Memphis, Indiana by comparing Memphis senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Memphis, IN here.

Annual Auto Insurance Rates for Senior Drivers in Memphis, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,112 $2,314
American Family $2,219 $2,219
Farmers $1,390 $1,567
GEICO $1,547 $1,591
Liberty Mutual $3,718 $3,718
Nationwide $1,766 $1,887
Progressive $1,736 $1,746
State Farm $1,454 $1,454
Travelers $1,211 $1,211
USAA $1,129 $1,137

Find Cheap Auto Insurance Rates in Memphis, IN by Coverage Level

The amount of coverage you choose is a big factor in the cost of Memphis, Indiana auto insurance. Compare Memphis, IN auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Memphis, Indiana

Insurance Company Low Medium High
Allstate $3,687 $3,873 $4,104
American Family $3,904 $4,068 $3,841
Farmers $3,497 $3,641 $3,807
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,768 $5,924 $6,121
Nationwide $3,380 $3,311 $3,316
Progressive $4,231 $4,450 $4,926
State Farm $2,536 $2,659 $2,784
Travelers $3,518 $3,623 $3,627
USAA $1,813 $1,892 $1,988

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Find Cheap Memphis, IN Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Memphis. Compare auto insurance rates in Memphis, IN by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Memphis, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,888 $3,888
American Family $3,890 $3,985
Farmers $3,648 $3,648
GEICO $2,392 $2,483
Liberty Mutual $5,779 $6,096
Nationwide $3,336 $3,336
Progressive $4,536 $4,536
State Farm $2,584 $2,735
Travelers $3,590 $3,590
USAA $1,873 $1,923

Find Cheap Memphis, IN Auto Insurance Rates by Driving Record

Auto insurance rates in Memphis, Indiana are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Memphis, IN, take a look at the average cost for various violations versus rates for a clean driving record in Memphis.

Annual Memphis, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,106 $4,563 $4,197 $3,685
American Family $2,714 $4,320 $5,483 $3,234
Farmers $3,272 $3,792 $3,921 $3,607
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,653 $5,470 $8,508 $5,119
Nationwide $2,862 $3,702 $3,548 $3,229
Progressive $3,374 $6,009 $4,035 $4,726
State Farm $2,597 $2,847 $2,597 $2,597
Travelers $3,049 $3,768 $4,270 $3,271
USAA $1,431 $2,046 $2,339 $1,775

Find Cheap Memphis, IN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Memphis, Indiana is higher than for a clean driving record. You can buy auto insurance after a DUI in Memphis for less when you shop around and compare rates from multiple Memphis, IN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Memphis, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,197
American Family $5,483
Farmers $3,921
GEICO $3,385
Liberty Mutual $8,508
Nationwide $3,548
Progressive $4,035
State Farm $2,597
Travelers $4,270
USAA $2,339

Winners by Category: Where to Buy Cheap Auto Insurance in Memphis, IN

Compare rates from the cheapest auto insurance companies in Memphis, IN for your needs. Take a look at how Memphis, Indiana auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Memphis, Indiana

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

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Find Cheap Memphis, Indiana Auto Insurance Companies

If you’re looking for the cheapest Memphis, IN auto insurance companies overall, you can compare them here. Find the best price for Memphis, Indiana car insurance by company.

Average Annual Auto Insurance Rates by Company in Memphis, Indiana

Insurance Company Average Annual Rates
Allstate $3,888
American Family $3,938
Farmers $3,648
GEICO $2,438
Liberty Mutual $5,937
Nationwide $3,336
Progressive $4,536
State Farm $2,660
Travelers $3,590
USAA $1,898

What affects Memphis, Indiana auto insurance rates?

Local factors affect auto insurance rates in Memphis, IN, including traffic, theft statistics, and commute length. Take a look at the things that impact Memphis auto insurance rates.

Commute Times in Memphis

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Memphis, IN is 29.5 minutes according to City-Data.

Traffic in Memphis

How is traffic in Memphis, Indiana? Inrix data shows that Memphis, IN traffic makes it the 626th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Memphis, IN

You can buy cheap Memphis, IN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Memphis, Indiana auto insurance quotes from top companies.

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