Muncie has 64,751 residents in 26,479 households. We list 5 insurance agencies in Muncie. Here is what the local numbers say about the cover people here need.

Muncie at a glance

5insurance agencies listed
48%of households rentRenters insurance
$97,300median home valueHome insurance
1963median year homes were builtRebuild cost calculator
10.6%of households have no carAuto insurance
3.9%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Delaware County

FEMA rates the overall natural hazard risk in Delaware County, where most Muncie agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:

TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Indiana

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Indiana

Indiana requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Indiana How much liability cover do you need?

Source: in.gov. Checked 2026-10-24.

Where Muncie agencies are

Muncie agencies we list sit in 3 ZIP codes, mostly in Delaware County.

473042 agencies
473052 agencies
473031 agency

Questions

Insurance agencies in Muncie

How do I find an insurance agency in Muncie?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Muncie?

FEMA's National Risk Index rates inland flooding risk in Delaware County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Muncie?

48% of households in Muncie rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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