Cheap Auto Insurance in Kokomo, Indiana

Cheap Auto Insurance in Kokomo, Indiana

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

We researched prices at the top insurance companies in Kokomo and found that The Cincinnati offers the cheapest car insurance rates for residents, with an average cost of $756 per year. This quote was 43% lower than the city average in Kokomo. However, since auto insurance rates are determined based on a wide variety of factors, including your age and driving history, the price you receive from an insurer may be significantly different from another person in your city. Therefore, we recommend comparing quotes from multiple car insurance companies before buying a policy. To get started finding car insurance quotes from companies near you in Kokomo, you can enter your ZIP code above.

Kokomo, Indiana Car Insurance Costs

The average cost of auto insurance in Kokomo is $1,322 per year, based on our analysis of a sample driver in the city. This annual rate is 3% cheaper than the statewide average in Indiana, which is $1,365 per year. Based on the insurers we sampled, annual car insurance rates varied by $2,580 between the cheapest company, The Cincinnati, and the most expensive company, Hanover. Given the significant difference in pricing between insurers, and that your rates may differ based on your profile, we recommend that drivers compare car insurance quotes before purchasing a policy.

Comparing the cost of auto insurance in Kokomo, Indiana

Kokomo, Indiana Auto Insurance Agents

When shopping for auto insurance, you may want to work with a local agent in order to get in-person assistance with choosing the right coverage or managing your policy later on. To help you find a local agent to assist with your insurance needs, we've collected a directory of agents near you in Kokomo, Indiana.

Name
Address
Phone
Greeno Insurance Inc.600 E. Markland Ave., Kokomo, IN 46904765-457-9155
Downey Insurance Services302 S. Reed Rd., Kokomo, IN 46901765-457-9161
Jody Jones Insurance Agency1202 Appletree Ln., Kokomo, IN 46902765-864-0650
First National Insurance Services Inc.2800 S. Reed Rd., Kokomo, IN 46902317-879-2115
Regions Insurance Inc.2701 Albright Rd., Kokomo, IN 46904765-452-8276
First National Insurance Services Inc.2800 Lincoln Rd., Kokomo, IN 46902765-868-3343
CFD Insurance Planners Inc.2704 S. Goyer Rd., Kokomo, IN 46902765-453-9600
Rocchio-Kiley Insurance3804 Southland Dr., Kokomo, IN 46902765-453-4100
Patriot Insurance Corp.300 E. Alto Rd., Kokomo, IN 46902765-453-6704
Conner Ins Agency (Kokomo Br)4019 S. Webster St., Kokomo, IN 46902-6911800-283-7767
Encompass Insurance Services LLC201 N. Main St., Tipton, IN 46072765-675-8848
Dale Insurance Services29 E. Main St., Peru, IN 46970765-472-4085
Show All Rows
{"alignsHorizontal":["left","left","left"],"alignsVertical":[],"columnWidths":[],"data":[["Name","Address","Phone"],["Greeno Insurance Inc.","600 E. Markland Ave., Kokomo, IN 46904","765-457-9155"],["Downey Insurance Services","302 S. Reed Rd., Kokomo, IN 46901","765-457-9161"],["Jody Jones Insurance Agency","1202 Appletree Ln., Kokomo, IN 46902","765-864-0650"],["First National Insurance Services Inc.","2800 S. Reed Rd., Kokomo, IN 46902","317-879-2115"],["Regions Insurance Inc.","2701 Albright Rd., Kokomo, IN 46904","765-452-8276"],["First National Insurance Services Inc.","2800 Lincoln Rd., Kokomo, IN 46902","765-868-3343"],["CFD Insurance Planners Inc.","2704 S. Goyer Rd., Kokomo, IN 46902","765-453-9600"],["Rocchio-Kiley Insurance","3804 Southland Dr., Kokomo, IN 46902","765-453-4100"],["Patriot Insurance Corp.","300 E. Alto Rd., Kokomo, IN 46902","765-453-6704"],["Conner Ins Agency (Kokomo Br)","4019 S. Webster St., Kokomo, IN 46902-6911","800-283-7767"],["Encompass Insurance Services LLC","201 N. Main St., Tipton, IN 46072","765-675-8848"],["Dale Insurance Services","29 E. Main St., Peru, IN 46970","765-472-4085"],["RME Insurance Inc.","45 S. Center St., Flora, IN 46929","574-967-4547"],["Consolidated Union Inc.","312 E. Broadway, Logansport, IN 46947-3140","574-722-1776"],["Consolidated Union Inc.","504 High St., Logansport, IN 46947-3140","574-722-1776"],["Dan Shields Insurance Agency","616 Marion Ave., Arcadia, IN 46030","317-984-3628"],["Tony A Byrd Agency Inc.","1717 S. Hiland Dr., Frankfort, IN 46041","765-654-4789"],["Hughes Insurance Group","93 W. Jackson St., Cicero, IN 46034","317-984-9228"],["Star Insurance Agency","315 S. Adams St., Marion, IN 46952",""],["Underwriters Alliance Of Indiana Inc.","959 E. Fourth St., Marion, IN 46952","317-236-6148"],["Insurance Management","959 E. Fourth St., Marion, IN 46952","765-664-2333"],["Baker Insurance Inc.","234 S. Miami St., Wabash, IN 46992","260-563-3463"],["The Pettiner Agency","109 S. Union St., Delphi, IN 46923","765-564-2828"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Auto Insurance Requirements in Kokomo, Indiana

All Indiana drivers, including residents of Kokomo, must maintain liability insurance with limits that meet or exceed the requirements in the Hoosier State. In Indiana, the minimum car requirements are:

  • Bodily injury liability coverage: $25,000 per person / $50,000 per accident
  • Property damage liability coverage: $25,000 per accident

Keep in mind that these are just the state-required minimums, and they only provide coverage for other parties if you're found to be at fault in a collision. If you want auto insurance that would also provide coverage for your own injuries and vehicle in an accident, you would need to add these to your policy as well. Comprehensive and collision insurance, for instance, aren't required in Indiana, but they cover your vehicle if it is stolen or damaged due to a wider set of circumstances.

Kokomo, Indiana Motor Vehicle Theft and Fatality Statistics

In Kokomo, there have been 30 fatal car crashes resulting in 36 total deaths. Auto insurance companies take the frequency of auto accidents into account when determining local rates for drivers, even if you haven't been involved in a collision. That's because you're more likely to be struck by another vehicle. If you live in a city with a high frequency of serious auto accidents, you can typically expect to pay more for auto insurance than areas with safer roads.

Statistic
Figure
Population45,494
Local auto thefts (2009)63
Local thefts per 1,000 people1.38
State thefts per 1,000 people2.13
Auto accidents30
Auto fatalities36
{"alignsHorizontal":["left","right"],"alignsVertical":[],"columnWidths":[],"data":[["Statistic","Figure"],["Population","45,494"],["Local auto thefts (2009)","63"],["Local thefts per 1,000 people","1.38"],["State thefts per 1,000 people","2.13"],["Auto accidents","30"],["Auto fatalities","36"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
Make and model
Fatalities
Accidents
Ford Taurus/Taurus X44
Harley-Davidson 750cc or greater33
Dodge Ram Pickup13
Chevrolet Impala/Caprice02
Other make * 0-50cc22
{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Make and model","Fatalities","Accidents"],["Ford Taurus\/Taurus X","4","4"],["Harley-Davidson 750cc or greater","3","3"],["Dodge Ram Pickup","1","3"],["Chevrolet Impala\/Caprice","0","2"],["Other make * 0-50cc","2","2"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
Roadway
Fatalities
Accidents
SR-2222
SR-2532
SR-1311
SR-931
CR-300 W31
{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Roadway","Fatalities","Accidents"],["SR-22","2","2"],["SR-25","3","2"],["SR-13","1","1"],["SR-9","3","1"],["CR-300 W","3","1"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
Day of week
Fatalities
Accidents
Monday77
Wednesday76
Saturday44
Tuesday64
Sunday33
Friday53
Thursday43
{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Day of week","Fatalities","Accidents"],["Monday","7","7"],["Wednesday","7","6"],["Saturday","4","4"],["Tuesday","6","4"],["Sunday","3","3"],["Friday","5","3"],["Thursday","4","3"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.