Kokomo, IN
Insuring your car and home in Kokomo, IN
Commute, vehicle, and housing data for Kokomo, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Two numbers frame insurance in Kokomo: 63% of households are homeowners, and 80% of commuters drive alone. With a population near 60,093, that adds up to a lot of households insuring a house and at least one vehicle.
Kokomo commuting and vehicle data
| Measure | Kokomo | Indiana |
|---|---|---|
| Drive alone to work | 80% | 76% |
| Carpool | 11% | 9% |
| Work from home | 6% | 11% |
| Commute of 45 minutes or more | 13% | 13% |
| Commute under 15 minutes | 53% | 30% |
| Households with no vehicle | 10% | 6% |
| Households with 3 or more vehicles | 16% | 24% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Long commutes are similar in Kokomo than statewide: 13% 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.
Fewer Kokomo workers telecommute (6%) than the state average, which means more cars on the road at rush hour.
16% of Kokomo households keep three or more vehicles, and 10% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Kokomo homes and homeowners coverage
Homes in Kokomo carry a median value of $137,400 and a median construction year of 1967. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
Benchmark: $786 was the average 2023 Indiana HO-3 premium at the Under $150,000 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.
Indiana auto minimums that apply in Kokomo
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.
One insurer or two for a Kokomo household
A bundle can simplify life in Kokomo: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Kokomo
Around Kokomo, two exposures stand out: winter ice and hail. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
See FEMA's National Risk Index for local hazard scores.
Kokomo compared with nearby cities
Indianapolis: 72% drive alone, 9% commute 45+ minutes, median home $224,800. Fort Wayne shows 9% working from home and a median home value of $188,900. Evansville shows 6% working from home and a median home value of $143,100. For share of 45-minute-plus commutes, Kokomo is 7th of 25 Indiana cities on this site.
Kokomo quote checklist
- Recent claims or violations
- Lender name and loan number
- Roof age and material
- Home details: size, age, construction
- Everyone in the household who drives
- Current declarations pages for auto and home
Kokomo auto and home insurance FAQ
What auto insurance is required in Kokomo?
Indiana requires liability of 25/50/25; none beyond liability.
Do Kokomo drivers have long commutes?
About 13% of Kokomo workers commute 45 minutes or more and 53% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Kokomo?
There is no single price. As context, Indiana HO-3 policies averaged $1,259 in 2023 (NAIC), and averages rise with dwelling coverage.
More Indiana cities
Auto and home insurance in Indiana
Last updated October 15, 2026 · How we research