Cheapest Car Insurance Quotes in Crown Point

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Crown Point Car Insurance

^$ 23

/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 Crown Point

The car insurance rate in Crown Point is $740 for a six-month policy, which is $73 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $448, making it a popular choice for budget-conscious drivers. Rates in Crown Point 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 Crown Point

$740

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Crown Point

1st place: AutoOwners Insurance Co

At $448 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 $455 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $567 for six months, making it the third cheapest auto insurance company in Crown Point.

Crown Point Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Crown Point, IN is AutoOwners Insurance Co, offering policies at just $448 for a six-month term. This is followed by Westfield, which has an average six-month premium of $455.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1372 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Crown Point drivers find the best deals.

Cheap Car Insurance Companies in Crown Point, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$448	$74
Westfield	$455	$78
Nationwide	$567	$95
American Family	$587	$99
USAA	$626	$105
Hastings Mutual	$633	$107
Travelers	$699	$118
Hastings Insurance	$713	$121
Progressive	$731	$123
Auto-Owners	$758	$128
State Farm	$1016	$171
Farm Bureau	$1022	$174
Allstate	$1372	$231

Key Takeaways

Way's key takeaways about car insurance in Crown Point

The auto insurance costs in Crown Point fall around $448 for six months.
The cheapest auto insurance company in Crown Point is Westfield.
Teen drivers pay the highest rate in Crown Point at $609 per month.

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Cheapest Minimum Liability Car Insurance in Crown Point

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 Crown Point are given below.

Westfield provides the cheapest minimum car insurance coverage in Crown Point. Their Average 6 Month Premium is $139. Farmers is the most expensive at $251 for the same period.

Cheapest Liability Coverage in Crown Point, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
USAA	$178	$30
Auto-Owners Insurance Co	$184	$31
Hastings Mutual	$198	$33
Indiana Farmers	$204	$34
American Family	$224	$38
Auto-Owners	$224	$38
Progressive	$238	$40
Grange	$244	$41
Travelers	$251	$42
SafeAuto	$271	$46
State Farm	$290	$49
Farm Bureau	$330	$57
Allstate	$541	$91
Farmers	$251	$42

Cheapest Full Coverage Car Insurance in Crown Point

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 Crown Point is AutoOwners Insurance Co at $74 per month and $448 for six months.

Cheapest Full Coverage Car Insurance Quotes in Crown Point, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$448	$74
Westfield	$455	$78
Nationwide	$567	$95
American Family	$587	$99
USAA	$626	$105
Hastings Mutual	$633	$107
Travelers	$699	$118
Hastings Insurance	$713	$121
Progressive	$731	$123
Auto-Owners	$758	$128
State Farm	$1016	$171
Farm Bureau	$1022	$174
Allstate	$1372	$231

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Average Car Insurance in Crown Point 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 Crown Point, IN increasing?

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

Car Insurance Premiums by Age in Crown Point

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	$476
40s	USAA	$446
50s	USAA	$422
60s	USAA	$440
70s	Buckeye Insurance Group	$470

Cheapest Car Insurance Rates for Teen Drivers in Crown Point,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Crown Point at $28 per month. At $3586 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
Auto-Owners Insurance Co	$238	$40
Grange	$258	$43
USAA	$527	$89
Travelers	$798	$134
Progressive	$924	$155
American Family	$1608	$271
Auto-Owners	$2143	$357
State Farm	$2229	$379
Allstate	$2651	$442
Farm Bureau	$3586	$609

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 Crown Point.

As young drivers face the highest rates in Crown Point, USAA offers the cheapest auto insurance rates at $476 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 Crown Point, Westfield is the cheapest car insurance provider. At $264 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 Crown Point is State Farm, offering rates of around $3238 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$264	$44
Nationwide	$310	$52
Grange	$330	$56
Travelers	$731	$123
Progressive	$771	$130
USAA	$844	$143
American Family	$904	$152
Allstate	$1094	$184
Farm Bureau	$2083	$347
Auto-Owners	$2249	$382
State Farm	$3238	$539

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

Car Insurance Rates with An Accident in Crown Point

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 Crown Point, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Crown Point

The cheapest car insurance companies after an at-fault accident in Crown Point include AutoOwners Insurance Co and Indiana Farmers, offering $258 and $264, respectively. Allstate is an expensive provider with an average six-month premium of $2182.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$258	$43
Indiana Farmers	$264	$44
Grange	$290	$49
Farmers	$336	$58
USAA	$448	$75
Travelers	$521	$88
Auto-Owners	$534	$90
Progressive	$574	$97
State Farm	$613	$103
American Family	$837	$141
Farm Bureau	$1523	$254
Allstate	$2182	$371

Crown Point Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Crown Point IN. For example, the car insurance in Crown Point after a DUI increases to $837 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Crown Point auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$910	$152
One Med/PIP claim	$910	$154
Not-at-fault accident	$962	$161
Two Med/PIP claims	$976	$165
One comp claim	$982	$164
Failure to show documents	$1029	$175
Failure to wear a seat belt	$1036	$172
Two comp claims	$1042	$178
Child safety restraint	$1055	$175
Driving without lights	$1055	$180
Driving with expired registration	$1094	$182
Speeding 6 - 10 MPH over limit	$1114	$190
Driving too slowly	$1121	$186
Failure to yield	$1121	$191
Following too closely	$1121	$186
Illegal turn	$1121	$191
Speeding in school zone	$1121	$186
Cell phone violation	$1128	$192
Speeding 11 - 15 MPH over limit	$1128	$188
Texting while driving	$1128	$192
Wrong way/wrong lane	$1128	$188
Failure to stop at a red light	$1134	$193
Improper passing	$1141	$190
Speeding 16 - 20 MPH over limit	$1141	$194
At-fault accident - less than $1000	$1154	$192
Passing school bus	$1173	$200
Speeding 21 - 25 MPH over limit	$1233	$205
At-fault accident - $1000-$2000	$1272	$216
In 65 MPH zone	$1292	$215
At-fault accident - greater than $2000	$1299	$221
Operating a vehicle without permission	$1391	$232
Open container	$1404	$239
Racing	$1707	$284
Reckless driving	$1714	$292
Refusal to submit to a chemical test	$1734	$289
DUI	$1747	$297
Leaving scene of an accident/hit and run	$1780	$296
Driving with a suspended license	$1794	$305

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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 Crown Point 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 Crown Point.

The cheapest car insurance premiums in Crown Point are offered by Grange at $408 for a six-month policy. However, it can be as expensive as $2083 with companies like Hastings Mutual.

Crown Point car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$408	$68
Travelers	$547	$92
Progressive	$594	$100
USAA	$653	$110
American Family	$910	$153
State Farm	$1061	$179
Farm Bureau	$1213	$204
Allstate	$1265	$213
Auto-Owners	$1707	$287
Hastings Mutual	$2083	$354

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 Crown Point are offered by Westfield at $171. However, it can be as expensive as $1707 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Crown Point after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$171	$29
Auto-Owners Insurance Co	$238	$40
State Farm	$521	$88
Travelers	$567	$95
USAA	$581	$99
American Family	$594	$100
Progressive	$619	$104
Auto-Owners	$798	$133
Farm Bureau	$1227	$209
Allstate	$1707	$284

Car Insurance Price Trends in Crown Point, Indiana

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

The average cost of full coverage in the Crown Point remained steady at $149 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Crown Point remained steady at $43 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 Crown Point?

The car insurance in Crown Point is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Crown Point?

The cheapest car insurance in Crown Point is $74 per month for full coverage.

How much is car insurance in Crown Point for teenagers?

Car insurance for teenagers costs $165 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 Crown Point?

The average cost of car insurance is $667 for a six-month policy. It will cost around $124 per month to insure your car in Crown Point.

Is car insurance expensive in Crown Point?

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

Cheapest Car Insurance Quotes in Crown Point

Why you can trust Way?

How Much Is Car Insurance in Crown Point

Avg. Car Insurance in Crown Point

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Crown Point

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Crown Point Car Insurance Rates by Company

Cheap Car Insurance Companies in Crown Point, IN

Way's key takeaways about car insurance in Crown Point

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Crown Point

Cheapest Liability Coverage in Crown Point, IN

Cheapest Full Coverage Car Insurance in Crown Point

Cheapest Full Coverage Car Insurance Quotes in Crown Point, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Crown Point by Rating Factor

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

Car Insurance Premiums by Age in Crown Point

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Crown Point,IN

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

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 Crown Point

Cheapest Car Insurance Companies after an At-Fault Accident in Crown Point

Crown Point Car Insurance Rates by Violation

Crown Point auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Crown Point after a DUI

Crown Point car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Crown Point after Speeding ticket

Car Insurance Price Trends in Crown Point, Indiana

Average Car Insurance Cost in Crown Point by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Crown Point, IN

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

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