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 Nappanee, IN are $266/month
  • The cheapest car insurance company in Nappanee after a DUI is USAA
  • The annual number of car thefts in Nappanee is 6.

Average car insurance rates in Nappanee, Indiana are $266 a month. But with a little research you can get a great deal from the top car insurance companies in Nappanee, IN. Before you buy Nappanee, Indiana car insurance, make sure your coverage meets or exceeds the Indiana minimum of 25/50/25.

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

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

Nappanee, IN Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Nappanee, Indiana

Insurance Company Low Medium High
Allstate $3,920 $4,082 $4,286
American Family $3,709 $3,875 $3,670
Farmers $3,404 $3,521 $3,657
GEICO $2,089 $2,228 $2,385
Liberty Mutual $5,337 $5,499 $5,703
Nationwide $2,587 $2,520 $2,516
Progressive $3,198 $3,328 $3,611
State Farm $2,189 $2,303 $2,419
Travelers $2,940 $3,022 $3,021
USAA $1,543 $1,603 $1,677

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Nappanee, 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 $2,540 $2,605 $2,224 $2,430 $7,780 $9,775 $2,592 $2,823
American Family $2,340 $2,340 $2,106 $2,106 $6,505 $9,403 $2,340 $2,872
Farmers $1,585 $1,563 $1,352 $1,521 $8,629 $9,198 $2,099 $2,271
GEICO $1,534 $1,521 $1,431 $1,480 $4,461 $4,147 $1,750 $1,547
Liberty Mutual $3,773 $3,773 $3,469 $3,469 $8,242 $12,437 $3,773 $5,167
Nationwide $1,577 $1,616 $1,383 $1,480 $4,523 $5,889 $1,843 $2,018
Progressive $1,439 $1,361 $1,306 $1,314 $8,460 $9,514 $1,801 $1,838
State Farm $1,394 $1,394 $1,250 $1,250 $4,331 $5,539 $1,547 $1,723
Travelers $1,102 $1,122 $1,027 $1,029 $6,646 $10,512 $1,161 $1,353
USAA $1,022 $1,007 $955 $960 $2,864 $3,192 $1,383 $1,477

Nappanee, IN Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Nappanee, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,780 $9,775
American Family $6,505 $9,403
Farmers $8,629 $9,198
GEICO $4,461 $4,147
Liberty Mutual $8,242 $12,437
Nationwide $4,523 $5,889
Progressive $8,460 $9,514
State Farm $4,331 $5,539
Travelers $6,646 $10,512
USAA $2,864 $3,192

Nappanee, IN Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Nappanee, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,224 $2,430
American Family $2,106 $2,106
Farmers $1,352 $1,521
GEICO $1,431 $1,480
Liberty Mutual $3,469 $3,469
Nationwide $1,383 $1,480
Progressive $1,306 $1,314
State Farm $1,250 $1,250
Travelers $1,027 $1,029
USAA $955 $960

Nappanee, IN Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Nappanee, Indiana

Insurance Company Poor Fair Good
Allstate $5,082 $3,778 $3,428
American Family $5,137 $3,330 $2,786
Farmers $4,113 $3,357 $3,111
GEICO $2,688 $2,234 $1,780
Liberty Mutual $7,341 $4,779 $4,419
Nationwide $2,892 $2,446 $2,285
Progressive $3,725 $3,300 $3,112
State Farm $3,356 $2,002 $1,552
Travelers $3,335 $2,825 $2,822
USAA $2,158 $1,433 $1,231

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Nappanee, IN Car Insurance Rates by Driver History

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

Annual Nappanee, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,264 $4,794 $4,432 $3,894
American Family $2,585 $4,119 $5,221 $3,081
Farmers $3,153 $3,681 $3,793 $3,482
GEICO $1,471 $2,307 $3,115 $2,043
Liberty Mutual $4,286 $5,064 $7,973 $4,729
Nationwide $2,185 $2,817 $2,701 $2,461
Progressive $2,540 $4,431 $3,025 $3,520
State Farm $2,247 $2,472 $2,247 $2,247
Travelers $2,546 $3,142 $3,558 $2,730
USAA $1,213 $1,731 $1,983 $1,504

Nappanee, IN Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Nappanee, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,432
American Family $5,221
Farmers $3,793
GEICO $3,115
Liberty Mutual $7,973
Nationwide $2,701
Progressive $3,025
State Farm $2,247
Travelers $3,558
USAA $1,983

Nappanee, IN Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Nappanee, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,096 $4,096
American Family $3,706 $3,797
Farmers $3,527 $3,527
GEICO $2,193 $2,275
Liberty Mutual $5,367 $5,659
Nationwide $2,541 $2,541
Progressive $3,379 $3,379
State Farm $2,238 $2,368
Travelers $2,994 $2,994
USAA $1,586 $1,629

Nappanee, IN Cheapest Car Insurance Rates

How do the top Nappanee, Indiana car insurance companies’ average rates stack up against the Nappanee average monthly car insurance rates of $266? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Nappanee, Indiana

Insurance Company Average Annual Rates
Allstate $4,096
American Family $3,751
Farmers $3,527
GEICO $2,234
Liberty Mutual $5,513
Nationwide $2,541
Progressive $3,379
State Farm $2,303
Travelers $2,994
USAA $1,607

Other Factors Affecting Nappanee, IN Car Insurance Rates

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

Nappanee, IN Car Theft Rates

The car theft rate in Nappanee, IN will affect your car insurance rates. FBI data shows that the annual car theft rate for Nappanee, Indiana is 6 stolen cars.

Nappanee, IN Commute Time

How does your Nappanee, IN commute time compare with the average driver? In Nappanee, the average commute is 20.5 minutes.

Nappanee, IN Car Insurance Quotes

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