Terre Haute, IN
Insuring your car and home in Terre Haute, IN
Commute, vehicle, and housing data for Terre Haute, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Terre Haute has about 58,531 residents in Vigo County. 74% of its workers drive to work alone and 52% of households own their home, so most families here need both a car policy and a homeowners policy.
Terre Haute driving profile
| Measure | Terre Haute | Indiana |
|---|---|---|
| Drive alone to work | 74% | 76% |
| Carpool | 13% | 9% |
| Work from home | 6% | 11% |
| Commute of 45 minutes or more | 7% | 13% |
| Commute under 15 minutes | 49% | 30% |
| Households with no vehicle | 11% | 6% |
| Households with 3 or more vehicles | 13% | 24% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 7% of Terre Haute commuters travel 45 minutes or more each way (Indiana: 13%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Only 6% of Terre Haute workers mostly work from home, below the Indiana share of 11%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
13% of Terre Haute households keep three or more vehicles, and 11% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Owning a home in Terre Haute
Census figures put Terre Haute's median home value at $115,700 (Indiana: $218,200) and its median year built at 1957. 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 Terre Haute drivers
Drivers in Terre Haute must carry Indiana's minimum of 25/50/25 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Should Terre Haute homeowners bundle?
A bundle can simplify life in Terre Haute: 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 Terre Haute
Insurers in Indiana price for tornadoes and derecho winds and hail. 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.
Terre Haute compared with nearby cities
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. Evansville: 79% drive alone, 6% commute 45+ minutes, median home $143,100. For share of 45-minute-plus commutes, Terre Haute is 17th of 25 Indiana cities on this site.
Gathering details for a Terre Haute auto and home quote
- Home details: size, age, construction
- Current declarations pages for auto and home
- Target limits and deductibles
- Recent claims or violations
- Annual mileage for each car
- VINs from registrations or the dashboard
Questions from Terre Haute drivers and homeowners
What are the minimum car insurance limits for Terre Haute drivers?
Indiana requires liability of 25/50/25; none beyond liability.
Do Terre Haute drivers have long commutes?
About 7% of Terre Haute workers commute 45 minutes or more and 49% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Terre Haute?
There is no single price. As context, Indiana HO-3 policies averaged $1,259 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Terre Haute
Auto and home insurance in Indiana
Last updated October 15, 2026 · How we research