Buy Cheap Shoals, IN Auto Insurance (2021)

Shoals, IN auto insurance rates average $278 a month. Minimum auto insurance requirements in Shoals, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Shoals, IN, compare Shoals 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

  • Average auto insurance rates in Shoals, IN are $278/month
  • Average auto insurance rates in Shoals, IN after a DUI are $3,952/year
  • The most expensive auto insurance company in Shoals is Liberty Mutual

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

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

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

Shoals, IN Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Shoals, 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 Shoals, IN Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Shoals, Indiana

Insurance Company Poor Fair Good
Allstate $5,002 $3,708 $3,367
American Family $5,078 $3,306 $2,769
Farmers $3,953 $3,216 $2,977
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,772 $5,058 $4,678
Nationwide $3,067 $2,591 $2,423
Progressive $4,378 $3,856 $3,628
State Farm $3,609 $2,152 $1,668
Travelers $3,667 $3,103 $3,099
USAA $2,078 $1,363 $1,165

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Shoals, 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 $2,515 $2,583 $2,200 $2,407 $7,587 $9,542 $2,574 $2,798
American Family $2,349 $2,349 $2,107 $2,107 $6,331 $9,225 $2,349 $2,920
Farmers $1,557 $1,537 $1,333 $1,492 $8,187 $8,699 $2,038 $2,211
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $3,976 $3,976 $3,651 $3,651 $8,754 $13,239 $3,976 $5,466
Nationwide $1,656 $1,694 $1,451 $1,550 $4,839 $6,287 $1,944 $2,127
Progressive $1,713 $1,631 $1,543 $1,557 $9,792 $11,039 $2,149 $2,205
State Farm $1,553 $1,553 $1,371 $1,371 $4,529 $5,823 $1,711 $1,901
Travelers $1,212 $1,233 $1,134 $1,133 $7,326 $11,510 $1,280 $1,492
USAA $986 $974 $910 $922 $2,693 $3,029 $1,334 $1,436

Buy Cheap Shoals, IN Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Shoals, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,587 $9,542
American Family $6,331 $9,225
Farmers $8,187 $8,699
GEICO $4,871 $4,549
Liberty Mutual $8,754 $13,239
Nationwide $4,839 $6,287
Progressive $9,792 $11,039
State Farm $4,529 $5,823
Travelers $7,326 $11,510
USAA $2,693 $3,029

Buy Cheap Shoals, IN Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Shoals, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,200 $2,407
American Family $2,107 $2,107
Farmers $1,333 $1,492
GEICO $1,547 $1,591
Liberty Mutual $3,651 $3,651
Nationwide $1,451 $1,550
Progressive $1,543 $1,557
State Farm $1,371 $1,371
Travelers $1,134 $1,133
USAA $910 $922

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

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

Annual Auto Insurance Rates by Coverage Level in Shoals, Indiana

Insurance Company Low Medium High
Allstate $3,843 $4,011 $4,223
American Family $3,702 $3,842 $3,608
Farmers $3,269 $3,374 $3,502
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,675 $5,824 $6,009
Nationwide $2,740 $2,672 $2,668
Progressive $3,749 $3,896 $4,216
State Farm $2,371 $2,475 $2,583
Travelers $3,239 $3,321 $3,311
USAA $1,489 $1,532 $1,586

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Find Cheap Shoals, IN Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Shoals, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,026 $4,026
American Family $3,673 $3,762
Farmers $3,382 $3,382
GEICO $2,392 $2,483
Liberty Mutual $5,680 $5,992
Nationwide $2,693 $2,693
Progressive $3,954 $3,954
State Farm $2,405 $2,547
Travelers $3,290 $3,290
USAA $1,515 $1,556

Find Cheap Shoals, IN Auto Insurance Rates by Driving Record

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

Annual Shoals, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,219 $4,713 $4,346 $3,824
American Family $2,562 $4,085 $5,171 $3,052
Farmers $3,024 $3,531 $3,631 $3,341
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,581 $5,380 $8,346 $5,037
Nationwide $2,316 $2,986 $2,863 $2,609
Progressive $2,970 $5,163 $3,546 $4,135
State Farm $2,421 $2,641 $2,421 $2,421
Travelers $2,792 $3,456 $3,916 $2,996
USAA $1,163 $1,647 $1,892 $1,439

Find Cheap Shoals, IN Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Shoals, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,346
American Family $5,171
Farmers $3,631
GEICO $3,385
Liberty Mutual $8,346
Nationwide $2,863
Progressive $3,546
State Farm $2,421
Travelers $3,916
USAA $1,892

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

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

Best Annual Auto Insurance Rates by Company in Shoals, 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 Shoals, Indiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Shoals, Indiana

Insurance Company Average Annual Rates
Allstate $4,026
American Family $3,717
Farmers $3,382
GEICO $2,438
Liberty Mutual $5,836
Nationwide $2,693
Progressive $3,954
State Farm $2,476
Travelers $3,290
USAA $1,535

What affects Shoals, Indiana auto insurance rates?

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

Commute Times in Shoals

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Shoals, IN is 21.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Shoals, IN

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

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