How many times have you said it's time to compare the cheapest car insurance rates in Noblesville, IN? Saving money on car insurance could be difficult for drivers new to shopping for insurance online. Drivers have so many options available that it can quickly become a real hassle to find cheaper prices in Indiana.

Remarkably, a study showed that a large majority of drivers kept their policy with the same company for a minimum of four years, and approximately 38% of consumers have never shopped around. Most drivers in the U.S. could save as much as $859 every year, but most just don't grasp the amount of money they would save if they bought a different policy.

When comparison shopping, comparing more prices increases your odds of finding the best rates. Some insurance companies are not set up to provide quotes over the internet, so it's recommended that you also compare quotes from them as well.

The companies in the list below offer price comparisons in Noblesville, IN. If multiple companies are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.

Insurance Cost Estimates for Popular Vehicles in Noblesville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab 2WD $878 $439 $73
Dodge Grand Caravan CV $838 $419 $70
Dodge Ram Quad Cab ST 2WD $878 $439 $73
Ford Escape Limited 2WD $868 $434 $72
Ford Explorer XLT 2WD $710 $355 $59
Ford F-150 FX4 Super Cab 4WD $756 $378 $63
Ford Focus S 4-Dr Sedan $866 $433 $72
GMC Sierra SL Crew Cab 4WD $1,032 $516 $86
Honda Accord LX-P 4-Dr Sedan $906 $453 $76
Honda CR-V EX-L 2WD $730 $365 $61
Honda Civic LX 4-Dr Sedan $980 $490 $82
Honda Odyssey Touring $906 $453 $76
Mazda 3 I Sport 4-Dr Sedan $840 $420 $70
Nissan Altima 2.5 4-Dr Sedan $870 $435 $73
Toyota Camry XLE $874 $437 $73
Toyota Corolla XLE $700 $350 $58
Toyota Tacoma 2WD $952 $476 $79
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in specific zip code location which can raise or lower coverage prices considerably.

An analysis of deductible level

One frequently asked question is how low should you set your deductibles. The data tables below outline the cost difference when you buy lower versus higher insurance deductibles. The first data set uses a $100 deductible and the second rate table uses a $1,000 deductible.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Focus insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $210 $436 $280 $16 $84 $1,051 $88
Focus SE 4-Dr Sedan $210 $436 $280 $16 $84 $1,051 $88
Focus SEL 4-Dr Sedan $210 $514 $280 $16 $84 $1,129 $94
Focus SES 4-Dr Sedan $210 $514 $280 $16 $84 $1,129 $94
Focus SE 2-Dr Coupe $242 $514 $318 $18 $94 $1,211 $101
Focus SES 2-Dr Coupe $242 $514 $318 $18 $94 $1,211 $101
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Ford Focus insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $116 $230 $280 $16 $84 $726 $61
Focus SE 4-Dr Sedan $116 $230 $280 $16 $84 $726 $61
Focus SEL 4-Dr Sedan $116 $270 $280 $16 $84 $766 $64
Focus SES 4-Dr Sedan $116 $270 $280 $16 $84 $766 $64
Focus SE 2-Dr Coupe $134 $270 $318 $18 $94 $834 $70
Focus SES 2-Dr Coupe $134 $270 $318 $18 $94 $834 $70
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in specific zip code location which can change premiums significantly.

Based on the figures above, using a $100 deductible costs an average of $29 more each month or $348 for a full year than buying the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have more than 31 months between claim filings, you would most likely save money going with the higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $94
Average monthly premium for $1,000 deductibles (subtract): - $65
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

An important thing to remember is that raising deductibles to save money means you pay more out-of-pocket if you have a claim. You must have some extra funds in order to pay the deductible to have repairs made.

Car insurance rates by gender and age in Noblesville

The illustration below illustrates the difference between yearly insurance costs for male and female drivers in Noblesville. The rate quotes are based on no accidents, no driving violations, comp and collision included, $250 deductibles, single marital status, and no discounts are applied on a Hyundai Sonata GLS.

Hyundai Sonata rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Higher deductibles lower rates

The information below shows how choosing a deductible and can change Honda Accord annual premium costs for each age group. The premiums assume a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Tailor your auto insurance coverage to you

Always keep in mind that when comparing your policy, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.Drive safe and save

Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.