We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in De Motte shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 De Motte
The car insurance rate in De Motte is $720 for a six-month policy, which is $53 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $436, making it a popular choice for budget-conscious drivers. Rates in De Motte 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.
At $436 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 $443 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $552
for six months, making it
the third cheapest auto insurance company in De Motte.
De Motte Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in De Motte, IN is AutoOwners Insurance Co, offering policies at just $436 for a six-month term. This is followed by Westfield, which has an average six-month premium of $443.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1335 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help De Motte drivers find the best deals.
Way's key takeaways about car insurance in De Motte
The auto insurance costs in De Motte fall around $436 for six
months.
The cheapest auto insurance company in De Motte is Westfield.
Teen drivers pay the highest rate in De Motte at $593 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in De Motte
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 De Motte are given below.
Westfield provides
the cheapest minimum car insurance
coverage in De Motte. Their Average 6 Month Premium is $135.
Farmers is the most
expensive at $244 for the same
period.
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 De Motte is AutoOwners Insurance Co
at $72 per month and $436
for six months.
Cheapest Full Coverage Car Insurance Quotes in De Motte,
IN
Get Your Car Insurance Quote in De Motte
Instantly!
Average Car Insurance in De Motte 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 De Motte, IN increasing?
Despite maintaining a clean driving record, your car insurance rates
in De Motte, 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, De Motte's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in De Motte
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
$463
40s
USAA
$434
50s
USAA
$410
60s
USAA
$428
70s
Buckeye Insurance Group
$457
Cheapest Car Insurance Rates for Teen Drivers in
De Motte,IN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the De Motte at $27
per
month. At $3489 for a six-month premium,
Farm Bureau offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in De Motte.
As young drivers face the highest rates in De Motte, USAA
offers the cheapest auto insurance rates at $463 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 De Motte,
Westfield is
the cheapest car insurance provider. At $257 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
De Motte is State Farm, offering
rates of around $3150 for six
months.
Save up to $971/yr on car insurance rates in De Motte.
Car Insurance Rates with An Accident in De Motte
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 De Motte, IN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in De Motte
The cheapest car insurance companies after an at-fault accident in
De Motte include AutoOwners Insurance Co
and Indiana Farmers, offering $251
and $257,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2123.
Here is a list of driving violations that can increase your car
insurance rates in De Motte IN. For example, the car
insurance in De Motte
after a DUI increases to $814 for a six
month policy. While the rate increases by $198 for a six-month policy in the case of
a speeding ticket.
De Motte auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$886
$148
One Med/PIP claim
$886
$150
Not-at-fault accident
$936
$157
Two Med/PIP claims
$949
$161
One comp claim
$956
$160
Failure to show documents
$1001
$171
Failure to wear a seat belt
$1008
$167
Two comp claims
$1014
$173
Child safety restraint
$1026
$171
Driving without lights
$1026
$175
Driving with expired registration
$1065
$177
Speeding 6 - 10 MPH over limit
$1084
$185
Driving too slowly
$1091
$181
Failure to yield
$1091
$186
Following too closely
$1091
$181
Illegal turn
$1091
$186
Speeding in school zone
$1091
$181
Cell phone violation
$1097
$187
Speeding 11 - 15 MPH over limit
$1097
$183
Texting while driving
$1097
$187
Wrong way/wrong lane
$1097
$183
Failure to stop at a red light
$1104
$188
Improper passing
$1110
$185
Speeding 16 - 20 MPH over limit
$1110
$189
At-fault accident - less than $1000
$1123
$187
Passing school bus
$1142
$194
Speeding 21 - 25 MPH over limit
$1200
$200
At-fault accident - $1000-$2000
$1238
$211
In 65 MPH zone
$1257
$210
At-fault accident - greater than $2000
$1264
$215
Operating a vehicle without permission
$1353
$226
Open container
$1366
$232
Racing
$1661
$276
Reckless driving
$1668
$284
Refusal to submit to a chemical test
$1687
$281
DUI
$1700
$289
Leaving scene of an accident/hit and run
$1732
$288
Driving with a suspended license
$1745
$297
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 De Motte 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 De Motte.
The cheapest car insurance premiums in
De Motte are
offered by Grange at $397 for a six-month policy.
However, it can be as
expensive as $2027 with companies
like Hastings Mutual.
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 De Motte are offered by Westfield
at $166. However,
it can be as expensive as $1661
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in De Motte after Speeding ticket
Car insurance rates in De Motte have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the De Motte remained steady at $145 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the De Motte remained steady at $42 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in De Motte by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
De Motte. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in De Motte?
The car insurance in De Motte is $23 per month, which is lower than the national average.
What is the cheapest car insurance in De Motte?
The cheapest car insurance in De Motte
is $72 per month
for full coverage.
How much is car insurance in De Motte for teenagers?
Car insurance for teenagers costs $161 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
De Motte?
The average cost of car insurance is $667 for a six-month
policy. It will cost around $121 per month to insure your
car in De Motte.
Is car insurance expensive in De Motte?
Car insurance can be expensive in De Motte if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in De Motte can be
affordable.
What is the best car insurance in De Motte,
IN?
The best car insurance company in De Motte
IN is
AutoOwners Insurance Co, offering $436 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in De Motte right now.
Find Car Insurance Rates in Cities Near De Motte, IN
Car Insurance Rates by State in the USA (2025 Update)
De Motte Car Insurance
