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 Waterloo, IN are $263/month
  • The cheapest car insurance company in Waterloo for teen drivers is USAA
  • Average car insurance rates in Waterloo, IN for senior drivers are $1,655/year

Average car insurance rates in Waterloo, Indiana are $263 a month. But with a little research you can get a great deal from the top car insurance companies in Waterloo, IN. Before you buy Waterloo, Indiana car insurance, make sure your coverage meets or exceeds the Indiana minimum of 25/50/25.

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

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

Waterloo, IN Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Waterloo, Indiana

Insurance Company Low Medium High
Allstate $3,777 $3,940 $4,144
American Family $3,456 $3,598 $3,394
Farmers $3,162 $3,275 $3,412
GEICO $2,007 $2,129 $2,268
Liberty Mutual $5,445 $5,607 $5,809
Nationwide $2,665 $2,600 $2,599
Progressive $3,263 $3,397 $3,690
State Farm $2,038 $2,132 $2,229
Travelers $3,194 $3,279 $3,276
USAA $1,603 $1,662 $1,735

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Waterloo, 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 $2,463 $2,527 $2,156 $2,359 $7,474 $9,403 $2,512 $2,734
American Family $2,195 $2,195 $1,970 $1,970 $5,962 $8,663 $2,195 $2,713
Farmers $1,485 $1,464 $1,270 $1,428 $8,010 $8,531 $1,958 $2,117
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 $1,620 $1,659 $1,420 $1,518 $4,687 $6,096 $1,896 $2,076
Progressive $1,480 $1,401 $1,341 $1,351 $8,610 $9,679 $1,850 $1,887
State Farm $1,327 $1,327 $1,176 $1,176 $3,926 $5,040 $1,464 $1,628
Travelers $1,182 $1,204 $1,103 $1,105 $7,238 $11,463 $1,249 $1,452
USAA $1,066 $1,052 $991 $1,001 $2,940 $3,290 $1,444 $1,549

Waterloo, IN Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Waterloo, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,474 $9,403
American Family $5,962 $8,663
Farmers $8,010 $8,531
GEICO $4,269 $3,981
Liberty Mutual $8,444 $12,786
Nationwide $4,687 $6,096
Progressive $8,610 $9,679
State Farm $3,926 $5,040
Travelers $7,238 $11,463
USAA $2,940 $3,290

Waterloo, IN Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Waterloo, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,156 $2,359
American Family $1,970 $1,970
Farmers $1,270 $1,428
GEICO $1,360 $1,403
Liberty Mutual $3,505 $3,505
Nationwide $1,420 $1,518
Progressive $1,341 $1,351
State Farm $1,176 $1,176
Travelers $1,103 $1,105
USAA $991 $1,001

Waterloo, IN Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Waterloo, Indiana

Insurance Company Poor Fair Good
Allstate $4,906 $3,645 $3,310
American Family $4,759 $3,096 $2,593
Farmers $3,832 $3,123 $2,894
GEICO $2,567 $2,135 $1,702
Liberty Mutual $7,484 $4,871 $4,505
Nationwide $2,985 $2,523 $2,357
Progressive $3,808 $3,368 $3,174
State Farm $3,107 $1,854 $1,438
Travelers $3,617 $3,067 $3,065
USAA $2,243 $1,484 $1,273

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Waterloo, IN Car Insurance Rates by Driver History

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

Annual Waterloo, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,159 $4,629 $4,270 $3,756
American Family $2,399 $3,832 $4,841 $2,858
Farmers $2,937 $3,423 $3,529 $3,243
GEICO $1,407 $2,204 $2,974 $1,954
Liberty Mutual $4,435 $5,191 $7,987 $4,868
Nationwide $2,254 $2,906 $2,786 $2,539
Progressive $2,593 $4,519 $3,090 $3,597
State Farm $2,084 $2,278 $2,084 $2,084
Travelers $2,764 $3,409 $3,861 $2,964
USAA $1,260 $1,792 $2,053 $1,561

Waterloo, IN Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Waterloo, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,270
American Family $4,841
Farmers $3,529
GEICO $2,974
Liberty Mutual $7,987
Nationwide $2,786
Progressive $3,090
State Farm $2,084
Travelers $3,861
USAA $2,053

Waterloo, IN Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Waterloo, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,953 $3,953
American Family $3,441 $3,525
Farmers $3,283 $3,283
GEICO $2,096 $2,173
Liberty Mutual $5,469 $5,771
Nationwide $2,621 $2,621
Progressive $3,450 $3,450
State Farm $2,072 $2,194
Travelers $3,250 $3,250
USAA $1,644 $1,689

Waterloo, IN Cheapest Car Insurance Rates

How do the top Waterloo, Indiana car insurance companies’ average rates stack up against the Waterloo average monthly car insurance rates of $263? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Waterloo, Indiana

Insurance Company Average Annual Rates
Allstate $3,953
American Family $3,483
Farmers $3,283
GEICO $2,135
Liberty Mutual $5,620
Nationwide $2,621
Progressive $3,450
State Farm $2,133
Travelers $3,250
USAA $1,667

Other Factors Affecting Waterloo, IN Car Insurance Rates

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

Waterloo, IN Commute Time

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

Waterloo, IN Car Insurance Quotes

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