Jeffersonville, IN
Jeffersonville, IN car and homeowners insurance
Commute, vehicle, and housing data for Jeffersonville, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Jeffersonville has about 52,912 residents in Clark County. 75% of its workers drive to work alone and 72% of households own their home, so most families here need both a car policy and a homeowners policy.
Jeffersonville driving profile
| Measure | Jeffersonville | Indiana |
|---|---|---|
| Drive alone to work | 75% | 76% |
| Carpool | 8% | 9% |
| Work from home | 14% | 11% |
| Commute of 45 minutes or more | 5% | 13% |
| Commute under 15 minutes | 27% | 30% |
| Households with no vehicle | 6% | 6% |
| Households with 3 or more vehicles | 18% | 24% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Jeffersonville commutes are shorter than the Indiana norm, with 5% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
With 14% of Jeffersonville workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
In Jeffersonville, 6% of households live without a car while 18% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Jeffersonville homes and homeowners coverage
Homes in Jeffersonville carry a median value of $216,800 and a median construction year of 1982. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
Benchmark: $1,048 was the average 2023 Indiana HO-3 premium at the $200,000–$224,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Jeffersonville
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 Jeffersonville
Most Jeffersonville homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
Local risks for Jeffersonville cars and homes
Insurers in Indiana price for hail and winter ice. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
See FEMA's National Risk Index for local hazard scores.
Neighboring cities and Jeffersonville
In Indianapolis, 56% own their home and 16% of households have three or more vehicles. Fort Wayne: 77% drive alone, 7% commute 45+ minutes, median home $188,900. In Evansville, 55% own their home and 14% of households have three or more vehicles. Jeffersonville ranks 22nd for long commutes among the 25 Indiana cities we profile.
Gathering details for a Jeffersonville auto and home quote
- Lender name and loan number
- Commute distance and typical yearly miles
- Everyone in the household who drives
- Home details: size, age, construction
- Recent claims or violations
- VINs from registrations or the dashboard
Questions from Jeffersonville drivers and homeowners
What are the minimum car insurance limits for Jeffersonville drivers?
Indiana requires liability of 25/50/25; none beyond liability.
Do Jeffersonville drivers have long commutes?
About 5% of Jeffersonville workers commute 45 minutes or more and 27% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Jeffersonville?
There is no single price. As context, Indiana HO-3 policies averaged $1,259 in 2023 (NAIC), and averages rise with dwelling coverage.
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Auto and home insurance in Indiana
Last updated October 15, 2026 · How we research