Best Car Insurance in Jeffersonville 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Jeffersonville.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
February 2, 2021Ford Fusion SEL4713042ClearCover$190/mo.$93/mo.
June 15, 2021Ford Fiesta ST4713027ClearCover$135/mo.$101/mo.
April 22, 2021Chevrolet Malibu LS4713038ClearCover$178/mo.$127/mo.
June 9, 2021Ford Explorer4713031AAA$220/mo.$141/mo.
January 29, 2021Mercedes-Benz C 2404713024ClearCover$300/mo.$166/mo.
Here’s more information about what impacts the insurance rates in your Jeffersonville.

How much does car insurance cost in Jeffersonville?

Car insurance in Jeffersonville, Indiana costs single-car drivers an average of $2,155 annually, or about $180 per month. Compared to the state annual average of $2,361, auto insurance in Jeffersonville is $206 lower higher.
Jeffersonville offers great riverside views and excellent schools, but you might have a hard time finding cheap car insurance. The community informally known as “Jeff” is fairly densely populated. And more drivers means more accidents and higher car insurance rates.
The good news is that finding affordable car insurance coverage is easy when you use Jerry. Just complete a quick sign-up and browse rates from up to 50 top providers for free. The average Jerry user saves almost $900 a year on car insurance, so what’s not to love?
Here’s a rundown of what you need to know about car insurance in Jeffersonville.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
National Average$3,223$2,143$3,086$1,764$3,423$2,486
JeffersonvilleNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Choosing a carrier in Jeffersonville

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Jeffersonville residents may have to deal with some of the highest car insurance rates in the state. That doesn’t mean a good deal should be hard to find, though!
There are lots of different car insurance providers out there. And there are also plenty of additional optional coverages available to suit your lifestyle. Comparing rates is the best way to make sure you aren’t paying more than you have to.
Providers like GEICO insurance in Jeffersonville tend to be popular. Progressive, State Farm, and Wawanesa are great picks too. When finding the right provider for you, your demographics, driving history, discount eligibility, and more all factor in.
Here’s what drivers pay with some of the most popular insurance providers in Jeffersonville before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Travelers$1,329$107Compare Prices
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What kind of car insurance you need in Jeffersonville

In Jeffersonville, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
The state of Indiana mandates two types of car insurance coverage: liability insurance and uninsured motorists protection. You can opt to cancel your uninsured motorist insurance in writing, but it is usually good to have.
Here are the minimum state limits:
You will also need to carry either electronic or paper proof of coverage at all times when driving. If you are pulled over by law enforcement or involved in a claim, you will need to show these documents along with your vehicle registration to avoid penalties or fines.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
If you want to enjoy ample peace of mind on the road, you probably want to buy more than just the minimum required coverage. Liability and uninsured motorist insurance are both great to have, but neither will cover your expenses in an at-fault accident.
Here are some additional coverages that would serve drivers in Jeffersonville well:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceIf you get in a collision with another car or object, collision insurance will help cover damage to your car regardless of fault.
Severe storms, floods, tornadosNew car replacement insuranceNew car replacement replaces a newer car that is a total loss with the same vehicle.
Population growthMedical payments (MedPay)More drivers mean more accidents. MedPay provides no-fault coverage for medical costs relating to an accident for you and your passengers.
Property crimeComprehensive coverageComprehensive insurance protects your car for damage caused by non-collision events like storms, theft, or vandalism.
Poorly maintained roadsRoadside assistanceIndiana is infamous for poorly maintained roads. Roadside assistance gives you access to help in the form of tire changes, or tows, and other in-demand services.

What determines your car insurance cost in Jeffersonville

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Jeffersonville, you could be paying as much as $174 more per month than an adult driver. These are average rates for Jerry customers in Jeffersonville broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Jeffersonville with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,455$753
Speeding under 15$3,032$1,656
Speeding over 15$3,600$1,584
Careless Driving$1,740$108
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Where in Jeffersonville you live

It may seem like insurance rates in Jeffersonville should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Jeffersonville, residents of -- will have the most expensive car insurance rates, while people who live in 47130 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Jeffersonville:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
June 23, 202147130Chevrolet Uplander LSIN49ClearCover$81/mo.$45/mo.
October 4, 202147130Nissan Rogue SVIN47Progressive$152/mo.$69/mo.
September 11, 202147130Kia Rio LXIN26ClearCover$191/mo.$131/mo.
June 9, 202147130Ford ExplorerIN31AAA$220/mo.$141/mo.
June 24, 202147130Ford Fusion TitaniumIN36ClearCover$225/mo.$151/mo.
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Why is car insurance in Jeffersonville so expensive?

A variety of considerations determine baseline car insurance rates in Jeffersonville. Insurance companies often consider the following:
Here are some of the factors that contribute to high insurance rates in Jeffersonville:

High accident rates

Despite fewer drivers on the road in recent years, accident rates in Indiana continued to climb. This doesn’t bode well for car insurance rates since carriers usually increase their rates in areas that are likely to deal with more claims.

High crime rate

The crime rate in Jeffersonville is slightly above the US average, which adds up to another risk factor for car insurance companies. There are often more property damage claims in areas with higher crime rates—meaning higher premiums as well.

Inclement weather

Severe storms, flooding, and winter weather top the list of natural risks that may damage your car in Jeffersonville. Tornadoes and earthquakes are also fairly common and may cause providers to raise premiums if weather events lead to a high claim volume.

How can you save money on car insurance in Jeffersonville?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Don’t forget about discounts on car insurance in Jeffersonville Indiana. Some discounts can be pretty significant, especially if you are eligible for multiple deals.
Here are some typical discounts you may find through insurance carriers in Jeffersonville:
Multi-carIf there is more than one car in your household, insuring them under the same policy may help you save.
Defensive drivingA carrier may list some state-approved defensive driving courses that you can complete to earn a discount.
Student-away-at-schoolPolicies that include a student attending school a certain distance from home may be eligible for a discount.
Accident-freeDrivers who aren’t involved in an at-fault accident for three years or more may be eligible to save on their premiums.
UsageVoluntary telematics programs monitor your actual driving and give you a chance to earn discounts or rewards for safe practices.
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