Affordable Car Insurance Rates in Spiceland, IN (2021)
Car insurance rates in Spiceland, IN are $262/month on average. By law, Indiana drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Spiceland car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- The cheapest car insurance company in Spiceland after a DUI is USAA
- The cheapest car insurance company in Spiceland for teen drivers is USAA
- Average car insurance rates in Spiceland, IN for senior drivers are $1,651/year
Average car insurance rates in Spiceland, Indiana are $262 a month. But with a little research you can get a great deal from the top car insurance companies in Spiceland, IN. Before you buy Spiceland, Indiana car insurance, make sure your coverage meets or exceeds the Indiana minimum of 25/50/25.
It may even be helpful to compare Spiceland car insurance rates with Gary car insurance rates, Fort Wayne car insurance rates, or Hammond car insurance rates to make sure you’re getting the best Spiceland, IN car insurance quotes available.
Need affordable Spiceland, IN car insurance? Enter your ZIP code to compare Spiceland car insurance quotes from multiple car insurance companies near you.
Table of Contents
Spiceland, IN Minimum Car Insurance Coverage
Spiceland, Indiana law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
| 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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Spiceland, IN Car Insurance Rates by Coverage Level
Some Spiceland drivers can get by with the Indiana minimum coverage of 25/50/25. Other drivers may need more. See how much your Spiceland, Indiana car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,630 | $3,799 | $4,010 |
| American Family | $3,541 | $3,702 | $3,507 |
| Farmers | $3,193 | $3,294 | $3,415 |
| GEICO | $2,116 | $2,266 | $2,434 |
| Liberty Mutual | $5,421 | $5,589 | $5,801 |
| Nationwide | $2,584 | $2,518 | $2,513 |
| Progressive | $3,197 | $3,329 | $3,617 |
| State Farm | $1,976 | $2,072 | $2,172 |
| Travelers | $3,274 | $3,360 | $3,353 |
| USAA | $1,462 | $1,509 | $1,567 |
Spiceland, IN Car Insurance Rates by Age, Gender, and Marital Status
Spiceland, Indiana car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Spiceland, IN car insurance, get quotes from multiple car insurance companies in the Spiceland area and see how these criteria affect your rates.
| 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 | $2,368 | $2,427 | $2,078 | $2,273 | $7,225 | $9,105 | $2,411 | $2,618 |
| American Family | $2,227 | $2,227 | $2,008 | $2,008 | $6,237 | $8,999 | $2,227 | $2,733 |
| Farmers | $1,545 | $1,528 | $1,330 | $1,483 | $7,917 | $8,431 | $2,004 | $2,170 |
| 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 | $1,448 | $1,371 | $1,314 | $1,323 | $8,447 | $9,488 | $1,810 | $1,846 |
| State Farm | $1,271 | $1,271 | $1,133 | $1,133 | $3,862 | $4,945 | $1,406 | $1,566 |
| Travelers | $1,221 | $1,243 | $1,142 | $1,142 | $7,416 | $11,673 | $1,290 | $1,503 |
| USAA | $968 | $955 | $898 | $908 | $2,669 | $2,990 | $1,309 | $1,404 |
Spiceland, IN Car Insurance Rates for Teens
How much is Spiceland, Indiana car insurance for teens? Compare rates from top Spiceland car insurance companies below to help find the cheapest teen car insurance in Spiceland, IN.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,225 | $9,105 |
| American Family | $6,237 | $8,999 |
| Farmers | $7,917 | $8,431 |
| GEICO | $4,574 | $4,244 |
| Liberty Mutual | $8,383 | $12,656 |
| Nationwide | $4,538 | $5,898 |
| Progressive | $8,447 | $9,488 |
| State Farm | $3,862 | $4,945 |
| Travelers | $7,416 | $11,673 |
| USAA | $2,669 | $2,990 |
Spiceland, IN Car Insurance Rates for Seniors
Before seniors buy Spiceland, Indiana car insurance, they should make sure to shop around. Some Spiceland, IN car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,078 | $2,273 |
| American Family | $2,008 | $2,008 |
| Farmers | $1,330 | $1,483 |
| GEICO | $1,447 | $1,510 |
| Liberty Mutual | $3,522 | $3,522 |
| Nationwide | $1,376 | $1,471 |
| Progressive | $1,314 | $1,323 |
| State Farm | $1,133 | $1,133 |
| Travelers | $1,142 | $1,142 |
| USAA | $898 | $908 |
Spiceland, IN Car Insurance Rates by Credit History
How does your credit history affect Spiceland, IN car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,728 | $3,516 | $3,195 |
| American Family | $4,908 | $3,181 | $2,661 |
| Farmers | $3,861 | $3,138 | $2,903 |
| GEICO | $2,734 | $2,272 | $1,810 |
| Liberty Mutual | $7,462 | $4,857 | $4,492 |
| Nationwide | $2,889 | $2,442 | $2,283 |
| Progressive | $3,729 | $3,301 | $3,113 |
| State Farm | $3,020 | $1,802 | $1,398 |
| Travelers | $3,710 | $3,140 | $3,136 |
| USAA | $2,042 | $1,345 | $1,151 |
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Spiceland, IN Car Insurance Rates by Driver History
How does a single speeding ticket affect your Spiceland, Indiana car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Spiceland.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,046 | $4,467 | $4,119 | $3,620 |
| American Family | $2,469 | $3,938 | $4,985 | $2,942 |
| Farmers | $2,956 | $3,446 | $3,538 | $3,264 |
| 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 | $2,543 | $4,432 | $3,027 | $3,521 |
| State Farm | $2,024 | $2,220 | $2,024 | $2,024 |
| Travelers | $2,826 | $3,496 | $3,962 | $3,032 |
| USAA | $1,144 | $1,624 | $1,863 | $1,418 |
Spiceland, IN Car Insurance Rates With a DUI
Even a single DUI can increase your Spiceland, IN car insurance rates. Compare rates below to see which Spiceland car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,119 |
| American Family | $4,985 |
| Farmers | $3,538 |
| GEICO | $3,193 |
| Liberty Mutual | $8,085 |
| Nationwide | $2,698 |
| Progressive | $3,027 |
| State Farm | $2,024 |
| Travelers | $3,962 |
| USAA | $1,863 |
Spiceland, IN Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Spiceland, IN car insurance rates may be. Let’s take a look at average car insurance rates from top Spiceland companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,813 | $3,813 |
| American Family | $3,540 | $3,627 |
| Farmers | $3,301 | $3,301 |
| GEICO | $2,231 | $2,313 |
| Liberty Mutual | $5,455 | $5,752 |
| Nationwide | $2,538 | $2,538 |
| Progressive | $3,381 | $3,381 |
| State Farm | $2,015 | $2,132 |
| Travelers | $3,329 | $3,329 |
| USAA | $1,493 | $1,533 |
Spiceland, IN Cheapest Car Insurance Rates
How do the top Spiceland, Indiana car insurance companies’ average rates stack up against the Spiceland average monthly car insurance rates of $262? Take a look and see.
| 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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Spiceland, IN Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Spiceland, Indiana car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,813 |
| American Family | $3,583 |
| Farmers | $3,301 |
| GEICO | $2,272 |
| Liberty Mutual | $5,604 |
| Nationwide | $2,538 |
| Progressive | $3,381 |
| State Farm | $2,073 |
| Travelers | $3,329 |
| USAA | $1,513 |
Other Factors Affecting Spiceland, IN Car Insurance Rates
Before you buy Spiceland, Indiana car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Spiceland, IN Commute Time
How does your Spiceland, IN commute time compare with the average driver? In Spiceland, the average commute is 21.1 minutes.
Spiceland, IN Car Insurance Quotes
Compare Spiceland, IN car insurance quotes from multiple companies by entering your ZIP code now.