Cheapest Car Insurance Quotes in Andrews

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406,175 Policies Sold

Andrews Car Insurance

^$ 20

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Andrews

The car insurance rate in Andrews is $697 for a six-month policy, which is $52 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $271, making it a popular choice for budget-conscious drivers. Rates in Andrews can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Andrews

$697

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Andrews

1st place: American Family

At $271 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $376 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $381 for six months, making it the third cheapest auto insurance company in Andrews.

Andrews Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Andrews, IN is American Family, offering policies at just $271 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $376.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1415 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Andrews drivers find the best deals.

Cheap Car Insurance Companies in Andrews, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$271	$46
Auto-Owners Insurance Co	$376	$64
Westfield	$381	$63
Nationwide	$475	$80
Hastings Mutual	$530	$89
USAA	$541	$91
Hastings Insurance	$597	$100
Progressive	$630	$106
Travelers	$630	$106
Auto-Owners	$712	$120
Farm Bureau	$911	$152
State Farm	$1011	$170
Allstate	$1276	$215
Farmers	$1415	$241

Key Takeaways

Way's key takeaways about car insurance in Andrews

The auto insurance costs in Andrews fall around $271 for six months.
The cheapest auto insurance company in Andrews is Westfield.
Teen drivers pay the highest rate in Andrews at $614 per month.

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Cheapest Minimum Liability Car Insurance in Andrews

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Andrews are given below.

Westfield provides the cheapest minimum car insurance coverage in Andrews. Their Average 6 Month Premium is $116. Farmers is the most expensive at $508 for the same period.

Cheapest Liability Coverage in Andrews, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$116	$20
American Family	$149	$25
Auto-Owners Insurance Co	$154	$26
USAA	$154	$26
Hastings Mutual	$166	$28
Indiana Farmers	$171	$29
Progressive	$199	$33
Auto-Owners	$205	$34
Grange	$205	$34
Travelers	$216	$36
SafeAuto	$227	$38
Farm Bureau	$276	$47
State Farm	$276	$47
Allstate	$481	$81
Farmers	$508	$85

Cheapest Full Coverage Car Insurance in Andrews

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Andrews is American Family at $46 per month and $271 for six months.

Cheapest Full Coverage Car Insurance Quotes in Andrews, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$271	$46
Auto-Owners Insurance Co	$376	$64
Westfield	$381	$63
Nationwide	$475	$80
Hastings Mutual	$530	$89
USAA	$541	$91
Hastings Insurance	$597	$100
Progressive	$630	$106
Travelers	$630	$106
Auto-Owners	$712	$120
Farm Bureau	$911	$152
State Farm	$1011	$170
Allstate	$1276	$215
Farmers	$1415	$241

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Average Car Insurance in Andrews by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Andrews, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Andrews, Indiana, may be increasing due to several external factors. Indiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Andrews's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Andrews

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$357
40s	USAA	$335
50s	USAA	$317
60s	USAA	$330
70s	Buckeye Insurance Group	$352

Cheapest Car Insurance Rates for Teen Drivers in Andrews,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Andrews at $23 per month. At $3607 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
American Family	$154	$26
Auto-Owners Insurance Co	$199	$33
Grange	$216	$36
USAA	$607	$102
Travelers	$784	$132
Progressive	$851	$143
Auto-Owners	$2088	$355
Allstate	$2723	$454
State Farm	$2884	$490
Farm Bureau	$3209	$535
Farmers	$3607	$614

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Andrews.

As young drivers face the highest rates in Andrews, USAA offers the cheapest auto insurance rates at $357 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Andrews, Westfield is the cheapest car insurance provider. At $221 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Andrews is State Farm, offering rates of around $4132 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$221	$37
American Family	$232	$39
Nationwide	$259	$44
Grange	$276	$47
Progressive	$707	$119
Travelers	$712	$120
USAA	$829	$141
Allstate	$1105	$186
Farm Bureau	$1867	$317
Auto-Owners	$2309	$385
Farmers	$2309	$392
State Farm	$4132	$689

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Save up to $971/yr on car insurance rates in Andrews.

Car Insurance Rates with An Accident in Andrews

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Andrews, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Andrews

The cheapest car insurance companies after an at-fault accident in Andrews include American Family and AutoOwners Insurance Co, offering $188 and $216, respectively. Allstate is an expensive provider with an average six-month premium of $2281.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$188	$32
Auto-Owners Insurance Co	$216	$36
Indiana Farmers	$221	$37
Grange	$243	$41
USAA	$425	$72
Travelers	$492	$83
Auto-Owners	$513	$86
Progressive	$525	$88
State Farm	$718	$121
Farmers	$1127	$190
Farm Bureau	$1353	$226
Allstate	$2281	$388

Andrews Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Andrews IN. For example, the car insurance in Andrews after a DUI increases to $701 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Andrews auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$763	$127
One Med/PIP claim	$763	$129
Not-at-fault accident	$806	$135
Two Med/PIP claims	$817	$139
One comp claim	$823	$138
Failure to show documents	$862	$147
Failure to wear a seat belt	$868	$144
Two comp claims	$873	$149
Child safety restraint	$884	$147
Driving without lights	$884	$151
Driving with expired registration	$917	$153
Speeding 6 - 10 MPH over limit	$934	$159
Driving too slowly	$939	$156
Failure to yield	$939	$160
Following too closely	$939	$156
Illegal turn	$939	$160
Speeding in school zone	$939	$156
Cell phone violation	$945	$161
Speeding 11 - 15 MPH over limit	$945	$157
Texting while driving	$945	$161
Wrong way/wrong lane	$945	$157
Failure to stop at a red light	$950	$162
Improper passing	$956	$159
Speeding 16 - 20 MPH over limit	$956	$163
At-fault accident - less than $1000	$967	$161
Passing school bus	$983	$167
Speeding 21 - 25 MPH over limit	$1033	$172
At-fault accident - $1000-$2000	$1066	$181
In 65 MPH zone	$1083	$180
At-fault accident - greater than $2000	$1088	$185
Operating a vehicle without permission	$1165	$194
Open container	$1176	$200
Racing	$1430	$238
Reckless driving	$1436	$245
Refusal to submit to a chemical test	$1453	$242
DUI	$1464	$249
Leaving scene of an accident/hit and run	$1492	$248
Driving with a suspended license	$1503	$256

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Andrews after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Andrews.

The cheapest car insurance premiums in Andrews are offered by American Family at $188 for a six-month policy. However, it can be as expensive as $2535 with companies like Farmers.

Andrews car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$188	$32
Grange	$342	$59
Travelers	$519	$87
Progressive	$525	$88
USAA	$641	$108
Farm Bureau	$1066	$179
State Farm	$1077	$181
Allstate	$1176	$198
Auto-Owners	$1624	$273
Hastings Mutual	$1746	$297
Farmers	$2535	$422

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Andrews are offered by Westfield at $143. However, it can be as expensive as $1779 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Andrews after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$143	$24
American Family	$188	$32
Auto-Owners Insurance Co	$199	$33
Travelers	$558	$94
Progressive	$569	$96
USAA	$569	$95
State Farm	$607	$102
Auto-Owners	$823	$138
Farm Bureau	$1094	$186
Farmers	$1757	$293
Allstate	$1779	$302

Car Insurance Price Trends in Andrews, Indiana

Car insurance rates in Andrews have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Andrews rose by $145 in January compared to $125 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Andrews rose to $38 in January, compared to $36 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Andrews?

The car insurance in Andrews is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Andrews?

The cheapest car insurance in Andrews is $46 per month for full coverage.

How much is car insurance in Andrews for teenagers?

Car insurance for teenagers costs $139 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Andrews?

The average cost of car insurance is $749 for a six-month policy. It will cost around $117 per month to insure your car in Andrews.

Is car insurance expensive in Andrews?

Car insurance can be expensive in Andrews if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Andrews can be affordable.

Cheapest Car Insurance Quotes in Andrews

Why you can trust Way?

How Much Is Car Insurance in Andrews

Avg. Car Insurance in Andrews

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Andrews

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Andrews Car Insurance Rates by Company

Cheap Car Insurance Companies in Andrews, IN

Way's key takeaways about car insurance in Andrews

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Andrews

Cheapest Liability Coverage in Andrews, IN

Cheapest Full Coverage Car Insurance in Andrews

Cheapest Full Coverage Car Insurance Quotes in Andrews, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Andrews by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Andrews, IN increasing?

Car Insurance Premiums by Age in Andrews

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Andrews,IN

If you are in your twenties USAA is the best choice for car insurance in Andrews.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Andrews

Cheapest Car Insurance Companies after an At-Fault Accident in Andrews

Andrews Car Insurance Rates by Violation

Andrews auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Andrews after a DUI

Andrews car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Andrews after Speeding ticket

Car Insurance Price Trends in Andrews, Indiana

Average Car Insurance Cost in Andrews by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Andrews, IN

Car Insurance Rates by State in the USA (2025 Update)

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