Cheapest Car Insurance Quotes in East Chicago

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East Chicago Car Insurance

^$ 31

/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 East Chicago

The car insurance rate in East Chicago is $974 for a six-month policy, which is $307 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $590, making it a popular choice for budget-conscious drivers. Rates in East Chicago 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 East Chicago

$974

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in East Chicago

1st place: AutoOwners Insurance Co

At $590 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 $599 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $746 for six months, making it the third cheapest auto insurance company in East Chicago.

East Chicago Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Chicago, IN is AutoOwners Insurance Co, offering policies at just $590 for a six-month term. This is followed by Westfield, which has an average six-month premium of $599.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1805 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Chicago drivers find the best deals.

Cheap Car Insurance Companies in East Chicago, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$590	$98
Westfield	$599	$102
Nationwide	$746	$126
American Family	$772	$130
USAA	$823	$139
Hastings Mutual	$832	$140
Travelers	$920	$155
Hastings Insurance	$937	$159
Progressive	$962	$162
Auto-Owners	$997	$168
State Farm	$1336	$225
Farm Bureau	$1345	$229
Allstate	$1805	$304

Key Takeaways

Way's key takeaways about car insurance in East Chicago

The auto insurance costs in East Chicago fall around $590 for six months.
The cheapest auto insurance company in East Chicago is Westfield.
Teen drivers pay the highest rate in East Chicago at $802 per month.

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Cheapest Minimum Liability Car Insurance in East Chicago

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 East Chicago are given below.

Westfield provides the cheapest minimum car insurance coverage in East Chicago. Their Average 6 Month Premium is $183. Farmers is the most expensive at $330 for the same period.

Cheapest Liability Coverage in East Chicago, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$183	$31
USAA	$234	$39
Auto-Owners Insurance Co	$242	$41
Hastings Mutual	$260	$44
Indiana Farmers	$269	$45
American Family	$295	$50
Auto-Owners	$295	$50
Progressive	$312	$53
Grange	$321	$54
Travelers	$330	$55
SafeAuto	$356	$60
State Farm	$381	$64
Farm Bureau	$434	$74
Allstate	$711	$120
Farmers	$330	$55

Cheapest Full Coverage Car Insurance in East Chicago

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 East Chicago is AutoOwners Insurance Co at $98 per month and $590 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Chicago, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$590	$98
Westfield	$599	$102
Nationwide	$746	$126
American Family	$772	$130
USAA	$823	$139
Hastings Mutual	$832	$140
Travelers	$920	$155
Hastings Insurance	$937	$159
Progressive	$962	$162
Auto-Owners	$997	$168
State Farm	$1336	$225
Farm Bureau	$1345	$229
Allstate	$1805	$304

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Average Car Insurance in East Chicago 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 East Chicago, IN increasing?

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

Car Insurance Premiums by Age in East Chicago

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	$626
40s	USAA	$587
50s	USAA	$555
60s	USAA	$578
70s	Buckeye Insurance Group	$618

Cheapest Car Insurance Rates for Teen Drivers in East Chicago,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the East Chicago at $37 per month. At $4717 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$218	$37
Auto-Owners Insurance Co	$312	$53
Grange	$339	$57
USAA	$694	$117
Travelers	$1050	$177
Progressive	$1215	$204
American Family	$2116	$356
Auto-Owners	$2819	$470
State Farm	$2932	$498
Allstate	$3486	$581
Farm Bureau	$4717	$802

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 East Chicago.

As young drivers face the highest rates in East Chicago, USAA offers the cheapest auto insurance rates at $626 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 East Chicago, Westfield is the cheapest car insurance provider. At $347 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 East Chicago is State Farm, offering rates of around $4259 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$347	$58
Nationwide	$407	$69
Grange	$434	$73
Travelers	$962	$162
Progressive	$1015	$171
USAA	$1110	$188
American Family	$1188	$200
Allstate	$1440	$242
Farm Bureau	$2740	$457
Auto-Owners	$2958	$502
State Farm	$4259	$710

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in East Chicago.

Car Insurance Rates with An Accident in East Chicago

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

Cheapest Car Insurance Companies after an At-Fault Accident in East Chicago

The cheapest car insurance companies after an at-fault accident in East Chicago include AutoOwners Insurance Co and Indiana Farmers, offering $339 and $347, respectively. Allstate is an expensive provider with an average six-month premium of $2870.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$339	$57
Indiana Farmers	$347	$58
Grange	$381	$64
Farmers	$442	$76
USAA	$590	$99
Travelers	$685	$115
Auto-Owners	$702	$118
Progressive	$755	$127
State Farm	$806	$136
American Family	$1101	$185
Farm Bureau	$2003	$334
Allstate	$2870	$488

East Chicago Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Chicago IN. For example, the car insurance in East Chicago after a DUI increases to $1101 for a six month policy. While the rate increases by $269 for a six-month policy in the case of a speeding ticket.

East Chicago auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1197	$200
One Med/PIP claim	$1197	$203
Not-at-fault accident	$1266	$212
Two Med/PIP claims	$1283	$218
One comp claim	$1292	$216
Failure to show documents	$1353	$231
Failure to wear a seat belt	$1362	$226
Two comp claims	$1371	$234
Child safety restraint	$1387	$231
Driving without lights	$1387	$237
Driving with expired registration	$1440	$239
Speeding 6 - 10 MPH over limit	$1466	$250
Driving too slowly	$1475	$245
Failure to yield	$1475	$251
Following too closely	$1475	$245
Illegal turn	$1475	$251
Speeding in school zone	$1475	$245
Cell phone violation	$1483	$253
Speeding 11 - 15 MPH over limit	$1483	$247
Texting while driving	$1483	$253
Wrong way/wrong lane	$1483	$247
Failure to stop at a red light	$1492	$254
Improper passing	$1501	$250
Speeding 16 - 20 MPH over limit	$1501	$256
At-fault accident - less than $1000	$1518	$253
Passing school bus	$1543	$263
Speeding 21 - 25 MPH over limit	$1622	$270
At-fault accident - $1000-$2000	$1673	$285
In 65 MPH zone	$1699	$283
At-fault accident - greater than $2000	$1708	$291
Operating a vehicle without permission	$1829	$305
Open container	$1847	$314
Racing	$2245	$374
Reckless driving	$2254	$384
Refusal to submit to a chemical test	$2281	$380
DUI	$2298	$391
Leaving scene of an accident/hit and run	$2342	$390
Driving with a suspended license	$2359	$402

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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 East Chicago 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 East Chicago.

The cheapest car insurance premiums in East Chicago are offered by Grange at $537 for a six-month policy. However, it can be as expensive as $2740 with companies like Hastings Mutual.

East Chicago car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$537	$89
Travelers	$720	$121
Progressive	$781	$131
USAA	$858	$145
American Family	$1197	$201
State Farm	$1396	$235
Farm Bureau	$1596	$269
Allstate	$1664	$280
Auto-Owners	$2245	$378
Hastings Mutual	$2740	$466

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 East Chicago are offered by Westfield at $225. However, it can be as expensive as $2245 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in East Chicago after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$225	$38
Auto-Owners Insurance Co	$312	$53
State Farm	$685	$115
Travelers	$746	$126
USAA	$764	$130
American Family	$781	$131
Progressive	$815	$137
Auto-Owners	$1050	$175
Farm Bureau	$1613	$274
Allstate	$2245	$374

Car Insurance Price Trends in East Chicago, Indiana

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

The average cost of full coverage in the East Chicago remained steady at $196 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the East Chicago remained steady at $57 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 East Chicago?

The car insurance in East Chicago is $31 per month, which is lower than the national average.

What is the cheapest car insurance in East Chicago?

The cheapest car insurance in East Chicago is $98 per month for full coverage.

How much is car insurance in East Chicago for teenagers?

Car insurance for teenagers costs $218 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 East Chicago?

The average cost of car insurance is $667 for a six-month policy. It will cost around $164 per month to insure your car in East Chicago.

Is car insurance expensive in East Chicago?

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

Cheapest Car Insurance Quotes in East Chicago

Why you can trust Way?

How Much Is Car Insurance in East Chicago

Avg. Car Insurance in East Chicago

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in East Chicago

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

East Chicago Car Insurance Rates by Company

Cheap Car Insurance Companies in East Chicago, IN

Way's key takeaways about car insurance in East Chicago

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Chicago

Cheapest Liability Coverage in East Chicago, IN

Cheapest Full Coverage Car Insurance in East Chicago

Cheapest Full Coverage Car Insurance Quotes in East Chicago, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Chicago by Rating Factor

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

Car Insurance Premiums by Age in East Chicago

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Chicago,IN

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

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 East Chicago

Cheapest Car Insurance Companies after an At-Fault Accident in East Chicago

East Chicago Car Insurance Rates by Violation

East Chicago auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Chicago after a DUI

East Chicago car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Chicago after Speeding ticket

Car Insurance Price Trends in East Chicago, Indiana

Average Car Insurance Cost in East Chicago by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Chicago, IN

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

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