Cheapest Car Insurance Quotes in Depauw

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Depauw Car Insurance

^$ 25

/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 Depauw

The car insurance rate in Depauw is $899 for a six-month policy, which is $150 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $349, making it a popular choice for budget-conscious drivers. Rates in Depauw 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 Depauw

$899

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Depauw

1st place: American Family

At $349 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 $485 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $492 for six months, making it the third cheapest auto insurance company in Depauw.

Depauw Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Depauw, IN is American Family, offering policies at just $349 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $485.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1825 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Depauw drivers find the best deals.

Cheap Car Insurance Companies in Depauw, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$349	$59
Auto-Owners Insurance Co	$485	$83
Westfield	$492	$82
Nationwide	$613	$103
Hastings Mutual	$684	$115
USAA	$698	$118
Hastings Insurance	$770	$128
Progressive	$812	$137
Travelers	$812	$137
Auto-Owners	$919	$155
Farm Bureau	$1176	$196
State Farm	$1304	$220
Allstate	$1646	$277
Farmers	$1825	$311

Key Takeaways

Way's key takeaways about car insurance in Depauw

The auto insurance costs in Depauw fall around $349 for six months.
The cheapest auto insurance company in Depauw is Westfield.
Teen drivers pay the highest rate in Depauw at $792 per month.

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Cheapest Minimum Liability Car Insurance in Depauw

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 Depauw are given below.

Westfield provides the cheapest minimum car insurance coverage in Depauw. Their Average 6 Month Premium is $150. Farmers is the most expensive at $655 for the same period.

Cheapest Liability Coverage in Depauw, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
American Family	$192	$32
Auto-Owners Insurance Co	$199	$34
USAA	$199	$34
Hastings Mutual	$214	$36
Indiana Farmers	$221	$37
Progressive	$257	$43
Auto-Owners	$264	$44
Grange	$264	$44
Travelers	$278	$47
SafeAuto	$293	$49
Farm Bureau	$356	$61
State Farm	$356	$60
Allstate	$620	$104
Farmers	$655	$109

Cheapest Full Coverage Car Insurance in Depauw

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 Depauw is American Family at $59 per month and $349 for six months.

Cheapest Full Coverage Car Insurance Quotes in Depauw, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$349	$59
Auto-Owners Insurance Co	$485	$83
Westfield	$492	$82
Nationwide	$613	$103
Hastings Mutual	$684	$115
USAA	$698	$118
Hastings Insurance	$770	$128
Progressive	$812	$137
Travelers	$812	$137
Auto-Owners	$919	$155
Farm Bureau	$1176	$196
State Farm	$1304	$220
Allstate	$1646	$277
Farmers	$1825	$311

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Average Car Insurance in Depauw 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 Depauw, IN increasing?

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

Car Insurance Premiums by Age in Depauw

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	$461
40s	USAA	$432
50s	USAA	$409
60s	USAA	$426
70s	Buckeye Insurance Group	$455

Cheapest Car Insurance Rates for Teen Drivers in Depauw,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Depauw at $30 per month. At $4655 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
American Family	$199	$34
Auto-Owners Insurance Co	$257	$43
Grange	$278	$47
USAA	$784	$132
Travelers	$1012	$170
Progressive	$1098	$185
Auto-Owners	$2694	$458
Allstate	$3514	$586
State Farm	$3721	$632
Farm Bureau	$4141	$690
Farmers	$4655	$792

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 Depauw.

As young drivers face the highest rates in Depauw, USAA offers the cheapest auto insurance rates at $461 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 Depauw, Westfield is the cheapest car insurance provider. At $286 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 Depauw is State Farm, offering rates of around $5332 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$286	$48
American Family	$299	$50
Nationwide	$335	$56
Grange	$356	$60
Progressive	$912	$154
Travelers	$919	$155
USAA	$1069	$182
Allstate	$1426	$240
Farm Bureau	$2410	$409
Auto-Owners	$2980	$497
Farmers	$2980	$506
State Farm	$5332	$889

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Car Insurance Rates with An Accident in Depauw

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

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

The cheapest car insurance companies after an at-fault accident in Depauw include American Family and AutoOwners Insurance Co, offering $242 and $278, respectively. Allstate is an expensive provider with an average six-month premium of $2944.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$242	$41
Auto-Owners Insurance Co	$278	$47
Indiana Farmers	$286	$48
Grange	$313	$53
USAA	$548	$92
Travelers	$635	$107
Auto-Owners	$662	$112
Progressive	$677	$114
State Farm	$926	$156
Farmers	$1454	$245
Farm Bureau	$1746	$292
Allstate	$2944	$500

Depauw Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Depauw IN. For example, the car insurance in Depauw after a DUI increases to $905 for a six month policy. While the rate increases by $221 for a six-month policy in the case of a speeding ticket.

Depauw auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$984	$164
One Med/PIP claim	$984	$167
Not-at-fault accident	$1040	$174
Two Med/PIP claims	$1055	$179
One comp claim	$1062	$178
Failure to show documents	$1112	$190
Failure to wear a seat belt	$1120	$186
Two comp claims	$1127	$192
Child safety restraint	$1140	$190
Driving without lights	$1140	$194
Driving with expired registration	$1183	$197
Speeding 6 - 10 MPH over limit	$1205	$205
Driving too slowly	$1212	$202
Failure to yield	$1212	$206
Following too closely	$1212	$202
Illegal turn	$1212	$206
Speeding in school zone	$1212	$202
Cell phone violation	$1219	$208
Speeding 11 - 15 MPH over limit	$1219	$203
Texting while driving	$1219	$208
Wrong way/wrong lane	$1219	$203
Failure to stop at a red light	$1226	$209
Improper passing	$1234	$205
Speeding 16 - 20 MPH over limit	$1234	$210
At-fault accident - less than $1000	$1248	$208
Passing school bus	$1268	$216
Speeding 21 - 25 MPH over limit	$1333	$222
At-fault accident - $1000-$2000	$1375	$234
In 65 MPH zone	$1397	$233
At-fault accident - greater than $2000	$1404	$239
Operating a vehicle without permission	$1504	$251
Open container	$1518	$258
Racing	$1846	$307
Reckless driving	$1853	$316
Refusal to submit to a chemical test	$1874	$312
DUI	$1889	$322
Leaving scene of an accident/hit and run	$1925	$320
Driving with a suspended license	$1939	$330

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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 Depauw 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 Depauw.

The cheapest car insurance premiums in Depauw are offered by American Family at $242 for a six-month policy. However, it can be as expensive as $3271 with companies like Farmers.

Depauw car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$242	$41
Grange	$442	$76
Travelers	$670	$113
Progressive	$677	$114
USAA	$827	$139
Farm Bureau	$1375	$232
State Farm	$1390	$234
Allstate	$1518	$256
Auto-Owners	$2095	$353
Hastings Mutual	$2252	$383
Farmers	$3271	$545

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 Depauw are offered by Westfield at $185. However, it can be as expensive as $2296 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Depauw after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$185	$31
American Family	$242	$41
Auto-Owners Insurance Co	$257	$43
Travelers	$720	$121
Progressive	$734	$124
USAA	$734	$122
State Farm	$784	$132
Auto-Owners	$1062	$178
Farm Bureau	$1411	$240
Farmers	$2267	$378
Allstate	$2296	$390

Car Insurance Price Trends in Depauw, Indiana

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

The average cost of full coverage in the Depauw rose by $187 in January compared to $161 of December. In other words, there has been an increase by $26 when you compare January and December.

The average cost of liability insurance in the Depauw rose to $49 in January, compared to $47 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 Depauw?

The car insurance in Depauw is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Depauw?

The cheapest car insurance in Depauw is $59 per month for full coverage.

How much is car insurance in Depauw for teenagers?

Car insurance for teenagers costs $179 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 Depauw?

The average cost of car insurance is $749 for a six-month policy. It will cost around $151 per month to insure your car in Depauw.

Is car insurance expensive in Depauw?

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

Cheapest Car Insurance Quotes in Depauw

Why you can trust Way?

How Much Is Car Insurance in Depauw

Avg. Car Insurance in Depauw

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Depauw

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Depauw Car Insurance Rates by Company

Cheap Car Insurance Companies in Depauw, IN

Way's key takeaways about car insurance in Depauw

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Depauw

Cheapest Liability Coverage in Depauw, IN

Cheapest Full Coverage Car Insurance in Depauw

Cheapest Full Coverage Car Insurance Quotes in Depauw, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Depauw by Rating Factor

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

Car Insurance Premiums by Age in Depauw

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Depauw,IN

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

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 Depauw

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

Depauw Car Insurance Rates by Violation

Depauw auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Depauw after a DUI

Depauw car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Depauw after Speeding ticket

Car Insurance Price Trends in Depauw, Indiana

Average Car Insurance Cost in Depauw by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Depauw, IN

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

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