Nearly 4.6 Million drivers are licensed in Indiana. Although Kokomo drivers are generally safe, local patrols occasionally patrol the streets looking for aggressive drivers who could be responsible for the two most common causes of accident in the area — tailgating and failing to yield.
Low premiums for car insurance Kokomo are the best. The average rate for basic car insurance in the city is $383, and $1,202 for full. However, there are ways to save money on car insurance if you understand how to get discounts. According to Bankrate’s research, the following four companies offer the most affordable car insurance in Kokomo.
Kokomo’s best car insurance company
These car insurance companies offer the lowest car insurance Kokomo rates. They ranked high among customers and returned with the lowest average rates for the region in 2021.
| Insurance company | J.D. J.D. | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| Auto-Owners | 845 / 1000 | $302 | $1,030 |
| Grange | 832 / 1000 | $265 | $831 |
| Indiana Farmers | 849 / 1000 | $319 | $966 |
| USAA | 897 / 1000 | $242 | $774 |
Automobile owners
Auto Owners is unique in that the insurer bundles many of its most popular insurance policies into the Personal Automobile Plus package. This package includes Kokomo basic coverage, as well as a few useful extras such as lost or stolen keys replacement, identity theft coverage, and mobile phone insurance. Collision Advantage helps you save money on deductibles. It waives it if you injure an animal or cause an accident with another Auto Owner policyholder.
Grange
Grange is ranked as the most affordable Kokomo car insurance company because it has the second-lowest car insurance premiums, both for full and minimum coverage. The unique discount may be one reason. If you are a young driver or have recently separated or divorced, you may be eligible for special discounts.
Indiana Farmers
Indiana Farmers is an excellent insurance company for residents in the area. There are hundreds of agents in Indiana that can help with your car insurance needs. For a tailored policy that suits your needs, you can add gap coverage, rental car insurance, and roadside assistance to your basic car insurance.
USAA
USAA offers the best car insurance in Kokomo and Indiana with the lowest rates and highest customer ratings. USAA’s biggest drawback is that only those who are eligible for membership can receive coverage. You must be a veteran, active or retired military member or a eligible family member to become a member.
Kokomo has the lowest car insurance
In Indiana, the average cost for car insurance is $367 for minimal coverage and $1254 for complete coverage. The rates in Kokomo are similar to the rest of Indiana’s. You can still get car insurance at a lower cost by getting Kokomo car insurance quotes to compare. These are the companies that offer the lowest average rates.
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| USAA | $242 | $774 |
| Auto-Owners | $302 | $1,030 |
| Geico | $321 | $1,131 |
| State Farm | $328 | $866 |
| Erie | $328 | $991 |
USAA is not available to military personnel or their families. Auto-Owners or Geico offer the cheapest basic coverage at the next-lowest rates. State Farm and Erie Insurance offer full coverage if you are leasing your vehicle or intend to finance it.
Keep in mind that rates will vary depending on your personal circumstances.
Kokomo insurance requirements
You will need to have a minimum amount liability coverage in order to legally drive in Indiana.
- Bodily Injury: $25,000 per Person and $50,000 per Accident
- Property damage: No less than $25,000 per accident
- Bodily injury for underinsured motorists: $50,000 per accident
Only liability coverage covers third-party injuries and damages. Talk to your agent if you’d like your auto insurance policy to include the cost of repairs and losses to your vehicle.
Kokomo car insurance discount
Take advantage of the discounts available to you in Kokomo for your car insurance.
- Accident forgiveness: If you have been cited or are involved in an accident, it can help to keep your premiums down.
- Bundling: By purchasing home, renters, and auto insurance from the same company, you can reduce your monthly bills and save money.
- Telematics: Many carriers offer programs that allow you to track your driving using an app on your smartphone. Telematics allows you to get lower premiums based only on your driving behavior and not your history.
- Multi-car: Putting all your cars under one policy can reduce the premiums.
Questions frequently asked
Which is the best auto insurance company?
The type of coverage that you require will determine the best car insurance company . Compare options and get multiple quotes to find the best deal.
What is the cost of Kokomo car insurance?
Kokomo drivers pay an average of $383 per year for basic coverage and $1,202 for comprehensive insurance.
What amount of car insurance do you need in Kokomo
Kokomo drivers require at least $25,000 per individual and $50,000 per incident in bodily injuries liability insurance. $25,000 in property coverage per accident, $25,000 in bodily damage coverage per accident, and $50,000 for underinsured motorists.