Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Homer, IN are $264/month
  • Average car insurance rates in Homer, IN for senior drivers are $1,656/year
  • The cheapest car insurance company in Homer for teen drivers is USAA

Average car insurance rates in Homer, Indiana are $264 a month. But with a little research you can get a great deal from the top car insurance companies in Homer, IN. Before you buy Homer, Indiana car insurance, make sure your coverage meets or exceeds the Indiana minimum of 25/50/25.

It may even be helpful to compare Homer car insurance rates with Indianapolis car insurance rates, Fishers car insurance rates, or Gary car insurance rates to make sure you’re getting the best Homer, IN car insurance quotes available.

Need affordable Homer, IN car insurance? Enter your ZIP code to compare Homer car insurance quotes from multiple car insurance companies near you.

Homer, IN Minimum Car Insurance Coverage

Homer, Indiana law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Homer, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Homer, IN Car Insurance Rates by Coverage Level

Some Homer drivers can get by with the Indiana minimum coverage of 25/50/25. Other drivers may need more. See how much your Homer, Indiana car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Homer, Indiana

Insurance Company Low Medium High
Allstate $3,490 $3,633 $3,818
American Family $3,603 $3,754 $3,544
Farmers $3,071 $3,178 $3,302
GEICO $2,116 $2,266 $2,434
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $2,584 $2,518 $2,513
Progressive $3,486 $3,626 $3,931
State Farm $2,121 $2,225 $2,332
Travelers $3,352 $3,436 $3,426
USAA $1,466 $1,512 $1,570

Homer, IN Car Insurance Rates by Age, Gender, and Marital Status

Homer, Indiana car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Homer, IN car insurance, get quotes from multiple car insurance companies in the Homer area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Homer, Indiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,273 $2,330 $1,995 $2,178 $6,901 $8,668 $2,313 $2,517
American Family $2,277 $2,277 $2,048 $2,048 $6,259 $9,073 $2,277 $2,811
Farmers $1,439 $1,419 $1,229 $1,381 $7,768 $8,281 $1,899 $2,054
GEICO $1,542 $1,540 $1,447 $1,510 $4,574 $4,244 $1,767 $1,554
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,570 $1,606 $1,376 $1,471 $4,538 $5,898 $1,837 $2,010
Progressive $1,554 $1,470 $1,411 $1,418 $9,243 $10,407 $1,952 $1,995
State Farm $1,359 $1,359 $1,213 $1,213 $4,159 $5,322 $1,504 $1,677
Travelers $1,240 $1,262 $1,160 $1,160 $7,602 $11,976 $1,312 $1,524
USAA $970 $957 $900 $909 $2,675 $2,997 $1,312 $1,407

Homer, IN Car Insurance Rates for Teens

How much is Homer, Indiana car insurance for teens? Compare rates from top Homer car insurance companies below to help find the cheapest teen car insurance in Homer, IN.

Annual Car Insurance Rates for Teen Drivers in Homer, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,901 $8,668
American Family $6,259 $9,073
Farmers $7,768 $8,281
GEICO $4,574 $4,244
Liberty Mutual $8,383 $12,656
Nationwide $4,538 $5,898
Progressive $9,243 $10,407
State Farm $4,159 $5,322
Travelers $7,602 $11,976
USAA $2,675 $2,997

Homer, IN Car Insurance Rates for Seniors

Before seniors buy Homer, Indiana car insurance, they should make sure to shop around. Some Homer, IN car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Homer, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,995 $2,178
American Family $2,048 $2,048
Farmers $1,229 $1,381
GEICO $1,447 $1,510
Liberty Mutual $3,522 $3,522
Nationwide $1,376 $1,471
Progressive $1,411 $1,418
State Farm $1,213 $1,213
Travelers $1,160 $1,160
USAA $900 $909

Homer, IN Car Insurance Rates by Credit History

How does your credit history affect Homer, IN car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Homer, Indiana

Insurance Company Poor Fair Good
Allstate $4,518 $3,366 $3,057
American Family $4,970 $3,229 $2,702
Farmers $3,714 $3,030 $2,808
GEICO $2,734 $2,272 $1,810
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $2,889 $2,442 $2,283
Progressive $4,055 $3,596 $3,393
State Farm $3,243 $1,935 $1,500
Travelers $3,792 $3,212 $3,209
USAA $2,047 $1,347 $1,153

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Homer, IN Car Insurance Rates by Driver History

How does a single speeding ticket affect your Homer, Indiana car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Homer.

Annual Homer, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,914 $4,264 $3,942 $3,467
American Family $2,504 $3,994 $5,054 $2,983
Farmers $2,848 $3,322 $3,422 $3,144
GEICO $1,489 $2,342 $3,193 $2,064
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $2,184 $2,813 $2,698 $2,459
Progressive $2,760 $4,837 $3,292 $3,835
State Farm $2,173 $2,385 $2,173 $2,173
Travelers $2,892 $3,574 $4,050 $3,102
USAA $1,147 $1,628 $1,868 $1,421

Homer, IN Car Insurance Rates With a DUI

Even a single DUI can increase your Homer, IN car insurance rates. Compare rates below to see which Homer car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Homer, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,942
American Family $5,054
Farmers $3,422
GEICO $3,193
Liberty Mutual $8,085
Nationwide $2,698
Progressive $3,292
State Farm $2,173
Travelers $4,050
USAA $1,868

Homer, IN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Homer, IN car insurance rates may be. Let’s take a look at average car insurance rates from top Homer companies based on commute time.

Annual Car Insurance Rates by Commute Length in Homer, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,647 $3,647
American Family $3,590 $3,677
Farmers $3,184 $3,184
GEICO $2,231 $2,313
Liberty Mutual $5,455 $5,752
Nationwide $2,538 $2,538
Progressive $3,681 $3,681
State Farm $2,163 $2,289
Travelers $3,404 $3,404
USAA $1,496 $1,536

Homer, IN Cheapest Car Insurance Rates

How do the top Homer, Indiana car insurance companies’ average rates stack up against the Homer average monthly car insurance rates of $264? Take a look and see.

Best Annual Car Insurance Rates by Company in Homer, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Homer, IN Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Homer, Indiana car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Homer, Indiana

Insurance Company Average Annual Rates
Allstate $3,647
American Family $3,634
Farmers $3,184
GEICO $2,272
Liberty Mutual $5,604
Nationwide $2,538
Progressive $3,681
State Farm $2,226
Travelers $3,404
USAA $1,516

Homer, IN Car Insurance Quotes

Compare Homer, IN car insurance quotes from multiple companies by entering your ZIP code now.