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Cheapest car insurance in Franklin, Indiana (Nov 2024)
Cheapest car insurance in Franklin, Indiana (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Franklin, Indiana.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Franklin
- Best Car Insurance Companies in Franklin
- Best cheap car insurance quotes in Franklin
- Average cost of car insurance in Franklin
- Car insurance quotes in Franklin by rating factors
- How do different factors impact your car insurance costs in Franklin?
- Cheap car insurance quotes in Franklin after driving violations
- Cheap car insurance quotes in Franklin by age
- Cheap car insurance quotes in Franklin based on insurance history
- Cheap car insurance quotes in Franklin for popular cars
- How to lower car insurance costs in Franklin
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Franklin
On average, auto insurance in Franklin costs about $57 per month for minimum coverage liability insurance and about $136 per month for full coverage insurance. Franklin drivers pay -- than the average.
Prudent drivers in Franklin visit Jerry every month because Jerry makes it easy for customers to
compare and buy car insurance policies
. Below, we’ll cover some of the cheapest car insurance quotes Jerry found for Franklin drivers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $77 | Alfred, 52 Zip: 46131 | Nissan Versa NO SR | • State Minimum Liability • Comp / Collision |
| Bristol West | $219 | Estelle, 27 Zip: 46131 | Ford Fusion S | • 50,000/100,000 Liability • Comp / Collision |
Gainsco | $107 | Francis, 34 Zip: 46131 | Chevrolet Equinox LS | • State Minimum Liability |
| Assurance America | $165 | Helen, 29 Zip: 46131 | KIA Optima LX | • State Minimum Liability • Comp / Collision |
Last Updated Nov 23, 2024Best Car Insurance Companies in Franklin
There is no single best car insurance company for everyone. The most important reason is that every customer gets different
car insurance quotes
based on their profile—meaning that the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service. To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us. A universal “best” car insurance company doesn’t exist.
State Farm
is the most popular insurance provider in the country. But our survey shows that customers in Indiana favor insurers like Assurance America, National General, and Root—all of which earned an overall rating of 5/5.The table below shows how drivers in Franklin rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| National General | 4.6 | 4.4 | N/A | 4.8 |
Gainsco | 4.4 | 4.8 | N/A | 4.6 |
| Progressive | 4.4 | 4.2 | 4.1 | 4.3 |
| Farmers | 4.3 | 4 | N/A | 4.8 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Franklin
Indiana’s minimum car insurance requirements reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Franklin. However, minimum liability coverage provides minimal financial protection.
You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the Hoosier State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in Indiana, and how it could affect your policy choices in Franklin.
Cheap minimum liability insurance quotes in Franklin
To hit the road legally, Franklin drivers need to meet Indiana minimum coverage limits for
bodily injury liability
and property damage liability
.Indiana minimum liability coverage includes $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property.
These coverages are commonly referred to as 25/50/25 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
Here are some examples of Franklin car owners that Jerry recently helped obtain minimum liability coverage.
Alfred (52 years old)
$77
per month
Clearcover
Max (25 years old)
$122
per month
Helen (29 years old)
$165
per month
Do you need more than minimum coverage in Franklin?
Most drivers in Franklin would do well to consider purchasing higher liability coverage than the state minimum of 25/50/25.
If you’re in an at-fault accident, these minimums may not be enough to cover vehicle repairs and medical bills—and this is particularly true if the accident results in severe injuries to another person or if the car is totaled.
And keep in mind:
Indiana's car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident! The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Franklin
If you want to safeguard your finances from steep accident expenses, you want
full-coverage car insurance
. Repairing or replacing your vehicle can cost thousands of dollars, but it doesn’t have to come out of your wallet if you have adequate coverage.Full coverage includes comprehensive and collision coverage.
- Comprehensive coveragepays for damages to your car caused by perils other than collision or upset—including losses such as theft, fire, windstorm, or glass breakage
- Collision coveragepays for damages to your car resulting from a collision or rollover.
Drivers can choose to enhance their insurance protection by purchasing additional coverages for an extra premium. Popular insurance add-ons in Montana include:
The table below shows some recent examples of cheapest Franklin full coverage quotes that Jerry’s agents helped our customers obtain.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $77 | Alfred, 52 Zip: 46131 | Nissan Versa NO SR |
• State Minimum Liability • Comp / Collision | AAA | $103 | Georgia, 30 Zip: 46131 | Cadillac CTS Luxury Collection |
• State Minimum Liability • Comp / Collision | Safeco | $209 | James, 29 Zip: 46131 | KIA Optima LX |
• 50,000/100,000 Liability • Comp / Collision | Bristol West | $219 | Estelle, 27 Zip: 46131 | Ford Fusion S |
Last Updated Nov 18, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Franklin
Based on our experience in assisting thousands of insurance customers in the Hoosier state, we’ve learned that the average cost of minimum liability coverage in Franklin amounts to approximately $57 per month or $684 per year. The average price for full coverage insurance in Franklin is $136 per month or $1,634 per year.
While the national average can give you an idea of potential insurance costs, individual insurance premiums are influenced by many factors—the type of vehicle, driving history, claims record, demographic information, and more.
Car insurance quotes in Franklin by rating factors
Insurance companies in Franklin use many rating factors when
calculating your auto insurance premium
: - Driving record and claims history: If yourIndiana driving recordhas a history of accidents or tickets, insurance companies are likely to charge higher premiums.
- Location: Rates may be higher if you reside in a city versus a rural area, and can also vary between ZIP codes within the same city.
- Vehicle type: Luxury, high-performance, and sports cars typically have higher insurance costs for collision and comprehensive coverage.
- Usage: Insurance companies often charge higher premiums if you use your car for commuting to and from work compared to using it solely for leisure purposes.
- Credit score: If you have a high credit rating you’ll generally pay less for insurance—and your creditworthiness typically affords you lower starting quotes.
How do different factors impact your car insurance costs in Franklin?
How do different factors impact your car insurance costs in Franklin?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Franklin currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Franklin:
Cheap car insurance quotes in Franklin after driving violations
Insurance companies consider driving violations an indication of increased risk—and as a result, a history of moving violations means higher insurance premiums.
Your rate will increase based on the severity of the violation and the number of points accumulated on your
Indiana driving record
.Cheapest car insurance in Franklin after speeding ticket
In Indiana,
speeding tickets
can cost $300 each, plus additional penalties like points. Speeding can earn you between two to eight points, depending on how fast you were going. Points and speeding tickets will raise your insurance premium. More points and more tickets mean higher costs. Kendallville drivers have used Jerry to find coverage after a speeding ticket.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 11-15 | Safeco | $61 | Sally, 31 Zip: 46131 | Honda Odyssey EXL | • State Minimum Liability |
Speeding 16-20 | Progressive | $82 | Albert, 29 Zip: 46131 | Cadillac CTS Luxury Collection | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheapest car insurance in Franklin after DUI
In Franklin,
a DUI violation
typically leads to a substantial increase in car insurance rates compared to traffic infractions and other road violations.Following a DUI citation, you will likely need to shop multiple insurance providers to find the best rates available.
Jerry has helped many Franklin drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Franklin after an at-fault accident
Your accident and claims history play a significant role in determining auto insurance rates for Franklin drivers since they give insurance companies an idea of your level of risk as a policyholder.
Indiana is an at-fault state
, so a recent at-fault accident can lead to a substantial increase in your coverage premiums come policy renewal. Jerry has helped many Franklin drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $183 | Andrew, 33 Zip: 46131 | Hyundai Tucson SEL | • State Minimum Liability • Comp / Collision |
Not At Fault | AAA | $71 | Annie, 51 Zip: 46131 | Ford Contour GL | • State Minimum Liability |
At Fault With No Injury | National General | $151 | Howard, 22 Zip: 46131 | Nissan 350Z Coupe | • State Minimum Liability |
Last Updated Nov 23, 2024Cheapest car insurance in Franklin after other driving violations
Apart from speeding tickets and DUIs, other violations can increase car insurance costs in Franklin.
Common moving violations include speeding,
reckless driving
, and driving with a suspended license. Explore how Jerry has helped policyholders with violations on their driving records lower their monthly premiums.| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Clearcover | $95 | Victoria, 33 Zip: 46131 | Chevrolet Impala LT | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Progressive | $65 | Stella, 34 Zip: 46131 | Ford Edge Limited | • State Minimum Liability |
Failure to Obey Signal | Clearcover | $95 | Sallie, 33 Zip: 46131 | Chevrolet Impala LT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheap car insurance quotes in Franklin by age
Generally, young drivers pay higher car insurance premiums compared to older and more experienced drivers because they’re more likely to be involved in accidents and engage in risky driving behaviors. By the age of 25, insurance rates tend to decrease.
On the other end of the age spectrum, older drivers may also experience higher insurance costs. Certain age-related factors—such as declining vision or slower reaction times—can increase the likelihood of an accident and result in greater risk for the insurer.
Ultimately, car insurance rates are the result of many factors—age is just one of them. Drivers young and old should shop around to find cost-effective coverage suited to their needs.
Cheapest car insurance in Franklin for young drivers
In Franklin,
teen drivers
between the ages of 16 and 19 typically face the highest insurance rates compared to other age groups.Full coverage is typically the best option for teen drivers as it offers comprehensive financial protection—especially for teens who own and drive newer cars.
Timothy (23 years old)
$140
per month
Cheapest car insurance in Franklin for senior drivers
Despite years of driving experience, seniors may experience age-related changes in vision, hearing, and cognitive abilities that affect their driving skills. Senior drivers are also more likely to sustain severe injuries in an accident compared to younger drivers.
Since insurance companies identify seniors as high-risk for serious accident and injury claims, they increase
rates for seniors
to compensate.
Ina (75 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Franklin, IN (Zip Code: 46131)
$61
per month
Hattie (68 years old)
$65
per month
Cheap car insurance quotes in Franklin based on insurance history
Insurance history plays a significant role in determining your car insurance rates—particularly whether you maintain continuous coverage.
When you have a coverage gap, insurance companies consider you a higher risk. An insurance coverage lapse will result in higher rates.
Payment reminders from Jerry help customers stay on track with insurance payments and prevent lapses in coverage. By proactively reminding you of upcoming payments or notifying you if you’re late, Jerry ensures timely and continuous coverage.
Jerry can help uninsured and lapsed-coverage customers discover savings with new policies.
Michael (35 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Franklin, IN (Zip Code: 46131)
$121
per month
Leonard (30 years old)
$162
per month
Clearcover
Jane (33 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Franklin, IN (Zip Code: 46131)
$68
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I give clear cover a 5 out of 5 for helping me find the cheapest insurance possible, my insurance rates don't fluctuate.
Kirk
Great company and great insurance
William
I love this insurance!
Heather
Made insurance simple and easy
Christa
Cheap car insurance quotes in Franklin for drivers with poor credit
Indiana is one of many states that use
credit-based insurance scores
to determine rates. While your credit rating may not directly reflect your driving ability, insurance companies have found a correlation between lower credit scores and a higher likelihood of filing claims. Drivers with poor credit scores usually receive higher insurance rates compared to those with good credit ratings.
According to our data, the average car insurance rate for individuals in the lowest credit bracket (a score under 550) is nearly 20% higher than the average rate for those with excellent credit (above 750).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $82 | Joshua, 29 Zip: 46131 | Cadillac CTS Luxury Collection | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Safeco | $129 | Douglas, 35 Zip: 46131 | Ford Explorer XLT | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $121 | Anthony, 35 Zip: 46131 | Ford Explorer XLT | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Progressive | $65 | Verna, 57 Zip: 46131 | Mitsubishi Mirage G4 ES | • State Minimum Liability • Comp / Collision |
< 550 | Gainsco | $107 | Lillian, 34 Zip: 46131 | Chevrolet Equinox LS | • State Minimum Liability |
Last Updated Nov 18, 2024Cheap car insurance quotes in Franklin for popular cars
Cars that are cheap to insure tend to have low repair costs, anti-theft technology, and great safety features. For insurance providers, this translates to a low risk of expensive repair bills or theft.
In Indiana, some of the most popular models include:
Last Updated Nov 24, 2024Cheapest car insurance in Franklin for new vs. old car
Insuring a new car tends to be more costly compared to an older car.
Based on our findings, full coverage insurance for a car over 10 years old in Franklin averages -- per month. As for a newer vehicle? The average cost increases to -- per month to insure a car less than 4 years old.
Alfred (52 years old)
$77
per month
Laura (31 years old)
$162
per month
Clearcover
Edna (34 years old)
2016 Ford Fusion SE
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Franklin, IN (Zip Code: 46131)
$68
per month
Augusta (23 years old)
$151
per month
Electric
Ora (30 years old)
$104
per month
How to lower car insurance costs in Franklin
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Many providers offer discounts for drivers who avoid accidents and traffic violations for a specified period of time.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Franklin so expensive?
- Frequent and severe accidents resulting in claims, especially in densely populated cities
- High concentration of uninsured drivers
- Severe weather conditions and natural disasters, including earthquakes, flooding, and winter storms
- Inflation, leading to higher costs across the board—especially for medical care
FAQ
How much is car insurance in Franklin?
People living in Franklin pay on average $57 per month – or $684 per year – on state-minimum liability coverage. Full coverage in Franklin costs on average $136 per month of $1,634 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the minimum car insurance in Franklin, Indiana?
The state-minimum car insurance in Franklin, Indiana is as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These minimum liability coverage limits are commonly expressed as 25/50/25.
What is the cheapest car insurance in Franklin?
Based on thousands of Franklin drivers Jerry has worked with, car insurance in Franklin costs an average of $57 per month for state-minimum coverage and $136 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Franklin?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Madison Mutual, ROOT, and Travelers receive good ratings from Franklin drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.