Evansville, IN
Evansville, IN car and homeowners insurance
Commute, vehicle, and housing data for Evansville, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Evansville drivers commuting alone at a rate of 79% and homeowners making up 55% of households. Here is what that means for auto and home coverage in a city of about 115,395.
Evansville commuting and vehicle data
| Measure | Evansville | Indiana |
|---|---|---|
| Drive alone to work | 79% | 76% |
| Carpool | 10% | 9% |
| Work from home | 6% | 11% |
| Commute of 45 minutes or more | 6% | 13% |
| Commute under 15 minutes | 46% | 30% |
| Households with no vehicle | 10% | 6% |
| Households with 3 or more vehicles | 14% | 24% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are shorter in Evansville than statewide: 6% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Only 6% of Evansville workers mostly work from home, below the Indiana share of 11%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
In Evansville, 10% of households live without a car while 14% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Home values and housing age in Evansville
Census figures put Evansville's median home value at $143,100 (Indiana: $218,200) and its median year built at 1961. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
For context, the NAIC's 2023 average HO-3 premium in Indiana was $786 for homes insured in the Under $150,000 range, and $1,259 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Evansville drivers
The state minimum is 25/50/25. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
Bundling auto and home in Evansville
A bundle can simplify life in Evansville: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Weather and road risks around Evansville
Plan for tornadoes and derecho winds, along with hail. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
How Evansville compares in Indiana
Indianapolis shows 14% working from home and a median home value of $224,800. In Fort Wayne, 62% own their home and 18% of households have three or more vehicles. Fishers shows 26% working from home and a median home value of $391,000. Evansville ranks 19th for long commutes among the 25 Indiana cities we profile.
Evansville quote checklist
- Liability limits you want
- VINs from registrations or the dashboard
- Recent claims or violations
- Your Evansville address, square footage, and year built
- When the roof was replaced
- Current declarations pages for auto and home
Evansville auto and home insurance FAQ
What auto insurance is required in Evansville?
Indiana requires liability of 25/50/25; none beyond liability.
How long are commutes in Evansville?
About 6% of Evansville workers commute 45 minutes or more and 46% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Evansville?
Prices depend on the home and coverage. The NAIC's 2023 Indiana HO-3 average was $1,259; see the Indiana page.
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Auto and home insurance in Indiana
Last updated October 15, 2026 · How we research