Cheapest Car Insurance Quotes in Beverly Shores

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Beverly Shores Car Insurance

^$ 22

/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 Beverly Shores

The car insurance rate in Beverly Shores is $714 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $432, making it a popular choice for budget-conscious drivers. Rates in Beverly Shores 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 Beverly Shores

$714

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Beverly Shores

1st place: AutoOwners Insurance Co

At $432 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $439 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $547 for six months, making it the third cheapest auto insurance company in Beverly Shores.

Beverly Shores Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Beverly Shores, IN is AutoOwners Insurance Co, offering policies at just $432 for a six-month term. This is followed by Westfield, which has an average six-month premium of $439.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1323 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Beverly Shores drivers find the best deals.

Cheap Car Insurance Companies in Beverly Shores, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$432	$72
Westfield	$439	$75
Nationwide	$547	$92
American Family	$566	$95
USAA	$603	$102
Hastings Mutual	$610	$103
Travelers	$674	$113
Hastings Insurance	$687	$117
Progressive	$705	$119
Auto-Owners	$731	$123
State Farm	$979	$165
Farm Bureau	$985	$168
Allstate	$1323	$223

Key Takeaways

Way's key takeaways about car insurance in Beverly Shores

The auto insurance costs in Beverly Shores fall around $432 for six months.
The cheapest auto insurance company in Beverly Shores is Westfield.
Teen drivers pay the highest rate in Beverly Shores at $587 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Beverly Shores

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 Beverly Shores are given below.

Westfield provides the cheapest minimum car insurance coverage in Beverly Shores. Their Average 6 Month Premium is $134. Farmers is the most expensive at $242 for the same period.

Cheapest Liability Coverage in Beverly Shores, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$22
USAA	$171	$29
Auto-Owners Insurance Co	$178	$30
Hastings Mutual	$190	$32
Indiana Farmers	$197	$33
American Family	$216	$36
Auto-Owners	$216	$36
Progressive	$229	$39
Grange	$235	$40
Travelers	$242	$41
SafeAuto	$261	$44
State Farm	$279	$47
Farm Bureau	$318	$55
Allstate	$521	$88
Farmers	$242	$41

Cheapest Full Coverage Car Insurance in Beverly Shores

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 Beverly Shores is AutoOwners Insurance Co at $72 per month and $432 for six months.

Cheapest Full Coverage Car Insurance Quotes in Beverly Shores, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$432	$72
Westfield	$439	$75
Nationwide	$547	$92
American Family	$566	$95
USAA	$603	$102
Hastings Mutual	$610	$103
Travelers	$674	$113
Hastings Insurance	$687	$117
Progressive	$705	$119
Auto-Owners	$731	$123
State Farm	$979	$165
Farm Bureau	$985	$168
Allstate	$1323	$223

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Average Car Insurance in Beverly Shores 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 Beverly Shores, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Beverly Shores, 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, Beverly Shores's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Beverly Shores

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	$459
40s	USAA	$430
50s	USAA	$407
60s	USAA	$424
70s	Buckeye Insurance Group	$453

Cheapest Car Insurance Rates for Teen Drivers in Beverly Shores,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Beverly Shores at $27 per month. At $3457 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$159	$27
Auto-Owners Insurance Co	$229	$39
Grange	$248	$42
USAA	$508	$86
Travelers	$769	$129
Progressive	$890	$150
American Family	$1550	$261
Auto-Owners	$2066	$345
State Farm	$2149	$365
Allstate	$2555	$426
Farm Bureau	$3457	$587

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 Beverly Shores.

As young drivers face the highest rates in Beverly Shores, USAA offers the cheapest auto insurance rates at $459 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 Beverly Shores, Westfield is the cheapest car insurance provider. At $255 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 Beverly Shores is State Farm, offering rates of around $3121 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$255	$43
Nationwide	$299	$50
Grange	$318	$54
Travelers	$705	$119
Progressive	$744	$125
USAA	$813	$138
American Family	$871	$147
Allstate	$1055	$178
Farm Bureau	$2008	$335
Auto-Owners	$2168	$368
State Farm	$3121	$520

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Beverly Shores

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 Beverly Shores, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Beverly Shores

The cheapest car insurance companies after an at-fault accident in Beverly Shores include AutoOwners Insurance Co and Indiana Farmers, offering $248 and $255, respectively. Allstate is an expensive provider with an average six-month premium of $2104.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$248	$42
Indiana Farmers	$255	$43
Grange	$279	$47
Farmers	$324	$56
USAA	$432	$73
Travelers	$502	$85
Auto-Owners	$515	$87
Progressive	$553	$93
State Farm	$591	$100
American Family	$807	$136
Farm Bureau	$1468	$245
Allstate	$2104	$357

Beverly Shores Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Beverly Shores IN. For example, the car insurance in Beverly Shores after a DUI increases to $807 for a six month policy. While the rate increases by $197 for a six-month policy in the case of a speeding ticket.

Beverly Shores auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$877	$147
One Med/PIP claim	$877	$149
Not-at-fault accident	$928	$155
Two Med/PIP claims	$941	$159
One comp claim	$947	$158
Failure to show documents	$992	$169
Failure to wear a seat belt	$998	$166
Two comp claims	$1005	$171
Child safety restraint	$1017	$169
Driving without lights	$1017	$173
Driving with expired registration	$1055	$175
Speeding 6 - 10 MPH over limit	$1074	$183
Driving too slowly	$1081	$180
Failure to yield	$1081	$184
Following too closely	$1081	$180
Illegal turn	$1081	$184
Speeding in school zone	$1081	$180
Cell phone violation	$1087	$185
Speeding 11 - 15 MPH over limit	$1087	$181
Texting while driving	$1087	$185
Wrong way/wrong lane	$1087	$181
Failure to stop at a red light	$1094	$186
Improper passing	$1100	$183
Speeding 16 - 20 MPH over limit	$1100	$187
At-fault accident - less than $1000	$1113	$185
Passing school bus	$1131	$193
Speeding 21 - 25 MPH over limit	$1189	$198
At-fault accident - $1000-$2000	$1226	$209
In 65 MPH zone	$1245	$208
At-fault accident - greater than $2000	$1252	$213
Operating a vehicle without permission	$1341	$224
Open container	$1354	$230
Racing	$1646	$274
Reckless driving	$1652	$281
Refusal to submit to a chemical test	$1671	$278
DUI	$1684	$287
Leaving scene of an accident/hit and run	$1716	$286
Driving with a suspended license	$1729	$294

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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 Beverly Shores 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 Beverly Shores.

The cheapest car insurance premiums in Beverly Shores are offered by Grange at $394 for a six-month policy. However, it can be as expensive as $2008 with companies like Hastings Mutual.

Beverly Shores car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$394	$65
Travelers	$528	$89
Progressive	$572	$96
USAA	$629	$106
American Family	$877	$148
State Farm	$1023	$172
Farm Bureau	$1170	$197
Allstate	$1220	$205
Auto-Owners	$1646	$277
Hastings Mutual	$2008	$341

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 Beverly Shores are offered by Westfield at $165. However, it can be as expensive as $1646 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Beverly Shores after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
Auto-Owners Insurance Co	$229	$39
State Farm	$502	$85
Travelers	$547	$92
USAA	$560	$95
American Family	$572	$96
Progressive	$597	$101
Auto-Owners	$769	$128
Farm Bureau	$1182	$201
Allstate	$1646	$274

Car Insurance Price Trends in Beverly Shores, Indiana

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

The average cost of full coverage in the Beverly Shores remained steady at $143 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Beverly Shores remained steady at $42 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Beverly Shores?

The car insurance in Beverly Shores is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Beverly Shores?

The cheapest car insurance in Beverly Shores is $72 per month for full coverage.

How much is car insurance in Beverly Shores for teenagers?

Car insurance for teenagers costs $159 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 Beverly Shores?

The average cost of car insurance is $667 for a six-month policy. It will cost around $120 per month to insure your car in Beverly Shores.

Is car insurance expensive in Beverly Shores?

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

Cheapest Car Insurance Quotes in Beverly Shores

Why you can trust Way?

How Much Is Car Insurance in Beverly Shores

Avg. Car Insurance in Beverly Shores

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Beverly Shores

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Beverly Shores Car Insurance Rates by Company

Cheap Car Insurance Companies in Beverly Shores, IN

Way's key takeaways about car insurance in Beverly Shores

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Beverly Shores

Cheapest Liability Coverage in Beverly Shores, IN

Cheapest Full Coverage Car Insurance in Beverly Shores

Cheapest Full Coverage Car Insurance Quotes in Beverly Shores, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Beverly Shores by Rating Factor

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

Car Insurance Premiums by Age in Beverly Shores

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Beverly Shores,IN

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

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 Beverly Shores

Cheapest Car Insurance Companies after an At-Fault Accident in Beverly Shores

Beverly Shores Car Insurance Rates by Violation

Beverly Shores auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Beverly Shores after a DUI

Beverly Shores car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Beverly Shores after Speeding ticket

Car Insurance Price Trends in Beverly Shores, Indiana

Average Car Insurance Cost in Beverly Shores by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Beverly Shores, IN

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

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