Buy Cheap Muncie, IN Auto Insurance (2021)

Muncie, IN auto insurance rates average $252 a month. Minimum auto insurance requirements in Muncie, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Muncie, IN, compare Muncie 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 Muncie is Liberty Mutual
  • Average auto insurance rates in Muncie, IN for teens drivers are $5,937/year
  • The most expensive auto insurance company in Muncie after a DUI is Liberty Mutual

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

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

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

Muncie, IN Minimum Auto Insurance Requirements

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

Minimum Required Auto 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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Find Cheap Muncie, IN Auto Insurance by Credit History

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

Annual Auto 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

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

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

Annual Auto 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

Buy Cheap Muncie, IN Auto Insurance for Teen Drivers

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

Annual Auto 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

Buy Cheap Muncie, IN Auto Insurance for Seniors

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

Annual Auto 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

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

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

Annual Auto 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

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Find Cheap Muncie, IN Auto Insurance Rates by Commute

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

Annual Auto 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

Find Cheap Muncie, IN Auto Insurance Rates by ZIP Code

Auto insurance rates in Muncie, Indiana can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Muncie, IN to see how much where you live in Muncie affects the cost of car insurance.

Annual Auto 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

Find Cheap Muncie, IN Auto Insurance Rates by Driving Record

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

Annual Muncie, Indiana Auto 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

Find Cheap Muncie, IN Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Muncie, Indiana

Insurance Company Annual Auto 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

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

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

Best Annual Auto 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

Find Cheap Muncie, Indiana Auto Insurance Companies

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

Average Annual Auto 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

What affects Muncie, Indiana auto insurance rates?

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

Auto Theft in Muncie

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Muncie, IN auto theft show a total of 440 vehicle thefts annually.

Commute Times in Muncie

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Muncie, IN is 18.7 minutes according to City-Data.

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Compare Auto Insurance Quotes in Muncie, IN

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

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