Cheap Car Insurance Frankfort IN: Compare Quotes From Best Companies - [Mom Prepared] (2025)

As a wife and mother of four children, the importance of finding affordable car insurance is always at the forefront of my mind. With a range of driving ages in our household, from newly licensed teenagers to experienced adults, the cost of insurance can vary greatly. Living in Frankfort, IN, we are fortunate to have access to a variety of insurance companies that cater to our specific needs. In this article, I will compare quotes from some of the best companies in the area, as well as discuss the unique challenges and considerations that come with insuring a large family with multiple vehicles.

When it comes to finding cheap car insurance in Frankfort, IN, it’s important to compare quotes from multiple companies to ensure you’re getting the best deal. Five national insurance carriers that are popular in our area include State Farm, Allstate, GEICO, Progressive, and Farmers. Each of these companies offers different coverage options and discounts, so it’s important to do your research to find the one that best fits your family’s needs.

On average, the annual insurance premiums for these carriers in Frankfort, IN are as follows:

– State Farm: $1,200

– Allstate: $1,300

– GEICO: $1,100

– Progressive: $1,150

– Farmers: $1,250

While these numbers can vary based on factors such as driving record, age, and type of vehicle, they give a general idea of what you can expect to pay for car insurance in our area.

In our family, we have six vehicles that are insured, ranging from a minivan for family outings to a compact car for commuting to work. Each vehicle has its own unique maintenance and insurance costs, which can add up quickly. The parents’ vehicles, a SUV and a sedan, have higher insurance premiums due to their size and value, while the teenagers’ used cars have lower premiums but require more maintenance.

For our oldest child, who is in college and only drives occasionally, the insurance premium is around $800 per year. Our second child, who recently got their license, has a higher premium of $1,500 per year due to their lack of experience on the road. The third child, who is a responsible driver with a clean record, has a premium of $1,200 per year. And our youngest child, who will be getting their license soon, is expected to have a premium of around $1,300 per year.

In addition to the cost of insurance, there are several other factors to consider when insuring a large family with multiple vehicles. Here are eight sometimes forgotten issues to keep in mind:

1. Uninsured/underinsured motorist coverage: This type of coverage protects you in the event that you are involved in an accident with a driver who does not have enough insurance to cover the damages. It’s important to have this coverage, especially if you have teenage drivers who are more likely to be involved in accidents.

2. Rental car coverage: If one of your vehicles is in the shop for repairs after an accident, rental car coverage can help cover the cost of a temporary replacement vehicle. This can be a lifesaver for busy families who rely on their vehicles for transportation.

3. Gap insurance: If you have a leased or financed vehicle, gap insurance can help cover the difference between what you owe on the vehicle and its actual cash value in the event of a total loss. This can save you from having to make up the difference out of pocket.

4. Roadside assistance: Having roadside assistance coverage can provide peace of mind in the event of a breakdown or flat tire. This coverage is especially important for families with young drivers who may not be experienced in handling these situations.

5. Personal injury protection: This type of coverage helps cover medical expenses for you and your passengers in the event of an accident. It can be a valuable addition to your policy, especially if you have children who are frequently in the car.

6. Discounts for good grades: Many insurance companies offer discounts for students who maintain a certain GPA in school. This can be a great way to save money on insurance for teenage drivers who are still in school.

7. Multi-car discount: If you insure multiple vehicles with the same company, you may be eligible for a multi-car discount. This can help lower the cost of insuring your family’s fleet of vehicles.

8. Bundle with home insurance: Some insurance companies offer discounts for bundling your car insurance with your home insurance. This can lead to significant savings for families who own their home and vehicles.