Cheapest Car Insurance Quotes in Cedar Grove

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Cedar Grove Car Insurance

^$ 21

/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 Cedar Grove

The car insurance rate in Cedar Grove is $667 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $404, making it a popular choice for budget-conscious drivers. Rates in Cedar Grove 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 Cedar Grove

$667

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Cedar Grove

1st place: AutoOwners Insurance Co

At $404 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 $410 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $511 for six months, making it the third cheapest auto insurance company in Cedar Grove.

Cedar Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cedar Grove, IN is AutoOwners Insurance Co, offering policies at just $404 for a six-month term. This is followed by Westfield, which has an average six-month premium of $410.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1236 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedar Grove drivers find the best deals.

Cheap Car Insurance Companies in Cedar Grove, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$404	$67
Westfield	$410	$70
Nationwide	$511	$86
American Family	$529	$89
USAA	$564	$95
Hastings Mutual	$570	$96
Travelers	$630	$106
Hastings Insurance	$642	$109
Progressive	$659	$111
Auto-Owners	$683	$115
State Farm	$915	$154
Farm Bureau	$921	$157
Allstate	$1236	$208

Key Takeaways

Way's key takeaways about car insurance in Cedar Grove

The auto insurance costs in Cedar Grove fall around $404 for six months.
The cheapest auto insurance company in Cedar Grove is Westfield.
Teen drivers pay the highest rate in Cedar Grove at $549 per month.

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

Cheapest Minimum Liability Car Insurance in Cedar Grove

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 Cedar Grove are given below.

Westfield provides the cheapest minimum car insurance coverage in Cedar Grove. Their Average 6 Month Premium is $125. Farmers is the most expensive at $226 for the same period.

Cheapest Liability Coverage in Cedar Grove, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$125	$21
USAA	$160	$27
Auto-Owners Insurance Co	$166	$28
Hastings Mutual	$178	$30
Indiana Farmers	$184	$31
American Family	$202	$34
Auto-Owners	$202	$34
Progressive	$214	$36
Grange	$220	$37
Travelers	$226	$38
SafeAuto	$244	$41
State Farm	$261	$44
Farm Bureau	$297	$51
Allstate	$487	$82
Farmers	$226	$38

Cheapest Full Coverage Car Insurance in Cedar Grove

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 Cedar Grove is AutoOwners Insurance Co at $67 per month and $404 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cedar Grove, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$404	$67
Westfield	$410	$70
Nationwide	$511	$86
American Family	$529	$89
USAA	$564	$95
Hastings Mutual	$570	$96
Travelers	$630	$106
Hastings Insurance	$642	$109
Progressive	$659	$111
Auto-Owners	$683	$115
State Farm	$915	$154
Farm Bureau	$921	$157
Allstate	$1236	$208

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Average Car Insurance in Cedar Grove 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 Cedar Grove, IN increasing?

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

Car Insurance Premiums by Age in Cedar Grove

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	$429
40s	USAA	$402
50s	USAA	$380
60s	USAA	$396
70s	Buckeye Insurance Group	$423

Cheapest Car Insurance Rates for Teen Drivers in Cedar Grove,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cedar Grove at $25 per month. At $3231 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
Auto-Owners Insurance Co	$214	$36
Grange	$232	$39
USAA	$475	$80
Travelers	$719	$121
Progressive	$832	$140
American Family	$1449	$244
Auto-Owners	$1931	$322
State Farm	$2008	$341
Allstate	$2388	$398
Farm Bureau	$3231	$549

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 Cedar Grove.

As young drivers face the highest rates in Cedar Grove, USAA offers the cheapest auto insurance rates at $429 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 Cedar Grove, Westfield is the cheapest car insurance provider. At $238 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 Cedar Grove is State Farm, offering rates of around $2917 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$238	$40
Nationwide	$279	$47
Grange	$297	$50
Travelers	$659	$111
Progressive	$695	$117
USAA	$760	$129
American Family	$814	$137
Allstate	$986	$166
Farm Bureau	$1877	$313
Auto-Owners	$2026	$344
State Farm	$2917	$486

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Car Insurance Rates with An Accident in Cedar Grove

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 Cedar Grove, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Grove

The cheapest car insurance companies after an at-fault accident in Cedar Grove include AutoOwners Insurance Co and Indiana Farmers, offering $232 and $238, respectively. Allstate is an expensive provider with an average six-month premium of $1966.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$232	$39
Indiana Farmers	$238	$40
Grange	$261	$44
Farmers	$303	$52
USAA	$404	$68
Travelers	$469	$79
Auto-Owners	$481	$81
Progressive	$517	$87
State Farm	$552	$93
American Family	$754	$127
Farm Bureau	$1372	$229
Allstate	$1966	$334

Cedar Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cedar Grove IN. For example, the car insurance in Cedar Grove after a DUI increases to $754 for a six month policy. While the rate increases by $184 for a six-month policy in the case of a speeding ticket.

Cedar Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$820	$137
One Med/PIP claim	$820	$139
Not-at-fault accident	$867	$145
Two Med/PIP claims	$879	$149
One comp claim	$885	$148
Failure to show documents	$927	$158
Failure to wear a seat belt	$933	$155
Two comp claims	$939	$160
Child safety restraint	$950	$158
Driving without lights	$950	$162
Driving with expired registration	$986	$164
Speeding 6 - 10 MPH over limit	$1004	$171
Driving too slowly	$1010	$168
Failure to yield	$1010	$172
Following too closely	$1010	$168
Illegal turn	$1010	$172
Speeding in school zone	$1010	$168
Cell phone violation	$1016	$173
Speeding 11 - 15 MPH over limit	$1016	$169
Texting while driving	$1016	$173
Wrong way/wrong lane	$1016	$169
Failure to stop at a red light	$1022	$174
Improper passing	$1028	$171
Speeding 16 - 20 MPH over limit	$1028	$175
At-fault accident - less than $1000	$1040	$173
Passing school bus	$1057	$180
Speeding 21 - 25 MPH over limit	$1111	$185
At-fault accident - $1000-$2000	$1146	$195
In 65 MPH zone	$1164	$194
At-fault accident - greater than $2000	$1170	$199
Operating a vehicle without permission	$1253	$209
Open container	$1265	$215
Racing	$1538	$256
Reckless driving	$1544	$263
Refusal to submit to a chemical test	$1562	$260
DUI	$1574	$268
Leaving scene of an accident/hit and run	$1604	$267
Driving with a suspended license	$1616	$275

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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 Cedar Grove 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 Cedar Grove.

The cheapest car insurance premiums in Cedar Grove are offered by Grange at $368 for a six-month policy. However, it can be as expensive as $1877 with companies like Hastings Mutual.

Cedar Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$368	$61
Travelers	$493	$83
Progressive	$535	$90
USAA	$588	$99
American Family	$820	$138
State Farm	$956	$161
Farm Bureau	$1093	$184
Allstate	$1140	$192
Auto-Owners	$1538	$259
Hastings Mutual	$1877	$319

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 Cedar Grove are offered by Westfield at $154. However, it can be as expensive as $1538 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cedar Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$154	$26
Auto-Owners Insurance Co	$214	$36
State Farm	$469	$79
Travelers	$511	$86
USAA	$523	$89
American Family	$535	$90
Progressive	$558	$94
Auto-Owners	$719	$120
Farm Bureau	$1105	$188
Allstate	$1538	$256

Car Insurance Price Trends in Cedar Grove, Indiana

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

The average cost of full coverage in the Cedar Grove remained steady at $134 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Cedar Grove remained steady at $39 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 Cedar Grove?

The car insurance in Cedar Grove is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Cedar Grove?

The cheapest car insurance in Cedar Grove is $67 per month for full coverage.

How much is car insurance in Cedar Grove for teenagers?

Car insurance for teenagers costs $149 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 Cedar Grove?

The average cost of car insurance is $667 for a six-month policy. It will cost around $112 per month to insure your car in Cedar Grove.

Is car insurance expensive in Cedar Grove?

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

Cheapest Car Insurance Quotes in Cedar Grove

Why you can trust Way?

How Much Is Car Insurance in Cedar Grove

Avg. Car Insurance in Cedar Grove

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Cedar Grove

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Cedar Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Cedar Grove, IN

Way's key takeaways about car insurance in Cedar Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cedar Grove

Cheapest Liability Coverage in Cedar Grove, IN

Cheapest Full Coverage Car Insurance in Cedar Grove

Cheapest Full Coverage Car Insurance Quotes in Cedar Grove, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cedar Grove by Rating Factor

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

Car Insurance Premiums by Age in Cedar Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cedar Grove,IN

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

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 Cedar Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Grove

Cedar Grove Car Insurance Rates by Violation

Cedar Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cedar Grove after a DUI

Cedar Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cedar Grove after Speeding ticket

Car Insurance Price Trends in Cedar Grove, Indiana

Average Car Insurance Cost in Cedar Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cedar Grove, IN

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

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