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 Ligonier, IN for senior drivers are $1,667/year
  • The cheapest car insurance company in Ligonier for teen drivers is USAA
  • The cheapest car insurance company in Ligonier after a DUI is USAA

Average car insurance rates in Ligonier, Indiana are $265 a month. But with a little research you can get a great deal from the top car insurance companies in Ligonier, IN. Before you buy Ligonier, Indiana car insurance, make sure your coverage meets or exceeds the Indiana minimum of 25/50/25.

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

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

Ligonier, IN Minimum Car Insurance Coverage

Ligonier, 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 Ligonier, 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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Ligonier, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ligonier, Indiana

Insurance Company Low Medium High
Allstate $3,764 $3,926 $4,137
American Family $3,456 $3,598 $3,394
Farmers $3,480 $3,599 $3,742
GEICO $2,007 $2,129 $2,268
Liberty Mutual $5,445 $5,607 $5,809
Nationwide $2,633 $2,567 $2,565
Progressive $3,270 $3,408 $3,708
State Farm $2,117 $2,213 $2,313
Travelers $3,021 $3,121 $3,133
USAA $1,603 $1,662 $1,735

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ligonier, 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 $2,453 $2,516 $2,152 $2,352 $7,463 $9,387 $2,499 $2,719
American Family $2,195 $2,195 $1,970 $1,970 $5,962 $8,663 $2,195 $2,713
Farmers $1,642 $1,621 $1,405 $1,578 $8,771 $9,345 $2,159 $2,335
GEICO $1,461 $1,452 $1,360 $1,403 $4,269 $3,981 $1,670 $1,481
Liberty Mutual $3,820 $3,820 $3,505 $3,505 $8,444 $12,786 $3,820 $5,262
Nationwide $1,604 $1,643 $1,405 $1,504 $4,614 $6,009 $1,875 $2,054
Progressive $1,483 $1,407 $1,344 $1,352 $8,632 $9,725 $1,857 $1,900
State Farm $1,378 $1,378 $1,221 $1,221 $4,075 $5,230 $1,520 $1,692
Travelers $1,124 $1,145 $1,049 $1,051 $6,876 $10,927 $1,184 $1,376
USAA $1,066 $1,052 $991 $1,001 $2,940 $3,290 $1,444 $1,549

Ligonier, IN Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Ligonier, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,463 $9,387
American Family $5,962 $8,663
Farmers $8,771 $9,345
GEICO $4,269 $3,981
Liberty Mutual $8,444 $12,786
Nationwide $4,614 $6,009
Progressive $8,632 $9,725
State Farm $4,075 $5,230
Travelers $6,876 $10,927
USAA $2,940 $3,290

Ligonier, IN Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Ligonier, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,152 $2,352
American Family $1,970 $1,970
Farmers $1,405 $1,578
GEICO $1,360 $1,403
Liberty Mutual $3,505 $3,505
Nationwide $1,405 $1,504
Progressive $1,344 $1,352
State Farm $1,221 $1,221
Travelers $1,049 $1,051
USAA $991 $1,001

Ligonier, IN Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Ligonier, Indiana

Insurance Company Poor Fair Good
Allstate $4,892 $3,635 $3,301
American Family $4,759 $3,096 $2,593
Farmers $4,212 $3,431 $3,178
GEICO $2,567 $2,135 $1,702
Liberty Mutual $7,484 $4,871 $4,505
Nationwide $2,947 $2,491 $2,328
Progressive $3,822 $3,380 $3,185
State Farm $3,226 $1,925 $1,492
Travelers $3,443 $2,917 $2,915
USAA $2,243 $1,484 $1,273

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Ligonier, IN Car Insurance Rates by Driver History

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

Annual Ligonier, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,150 $4,615 $4,260 $3,746
American Family $2,399 $3,832 $4,841 $2,858
Farmers $3,226 $3,764 $3,876 $3,562
GEICO $1,407 $2,204 $2,974 $1,954
Liberty Mutual $4,435 $5,191 $7,987 $4,868
Nationwide $2,225 $2,870 $2,752 $2,507
Progressive $2,601 $4,537 $3,100 $3,612
State Farm $2,164 $2,365 $2,164 $2,164
Travelers $2,628 $3,243 $3,675 $2,820
USAA $1,260 $1,792 $2,053 $1,561

Ligonier, IN Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Ligonier, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,260
American Family $4,841
Farmers $3,876
GEICO $2,974
Liberty Mutual $7,987
Nationwide $2,752
Progressive $3,100
State Farm $2,164
Travelers $3,675
USAA $2,053

Ligonier, IN Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Ligonier, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,943 $3,943
American Family $3,441 $3,525
Farmers $3,607 $3,607
GEICO $2,096 $2,173
Liberty Mutual $5,469 $5,771
Nationwide $2,589 $2,589
Progressive $3,462 $3,462
State Farm $2,151 $2,277
Travelers $3,092 $3,092
USAA $1,644 $1,689

Ligonier, IN Cheapest Car Insurance Rates

How do the top Ligonier, Indiana car insurance companies’ average rates stack up against the Ligonier average monthly car insurance rates of $265? Take a look and see.

Best Annual Car Insurance Rates by Company in Ligonier, 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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Ligonier, IN Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Ligonier, Indiana

Insurance Company Average Annual Rates
Allstate $3,943
American Family $3,483
Farmers $3,607
GEICO $2,135
Liberty Mutual $5,620
Nationwide $2,589
Progressive $3,462
State Farm $2,214
Travelers $3,092
USAA $1,667

Other Factors Affecting Ligonier, IN Car Insurance Rates

Before you buy Ligonier, Indiana car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Ligonier, IN Commute Time

How does your Ligonier, IN commute time compare with the average driver? In Ligonier, the average commute is 19.5 minutes.

Ligonier, IN Car Insurance Quotes

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