Cheapest Car Insurance Quotes in East Chicago

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East Chicago Car Insurance

^$ 32

/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 $1131 for a six-month policy, which is $382 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $439, 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

$1131

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in East Chicago

1st place: American Family

At $439 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 $610 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $619 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 American Family, offering policies at just $439 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $610.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2297 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
American Family	$439	$74
Auto-Owners Insurance Co	$610	$104
Westfield	$619	$103
Nationwide	$772	$130
Hastings Mutual	$861	$145
USAA	$879	$148
Hastings Insurance	$969	$162
Progressive	$1022	$172
Travelers	$1022	$172
Auto-Owners	$1157	$195
Farm Bureau	$1480	$246
State Farm	$1641	$276
Allstate	$2072	$349
Farmers	$2297	$391

Key Takeaways

Way's key takeaways about car insurance in East Chicago

The auto insurance costs in East Chicago fall around $439 for six months.
The cheapest auto insurance company in East Chicago is Westfield.
Teen drivers pay the highest rate in East Chicago at $997 per month.

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

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 $189. Farmers is the most expensive at $824 for the same period.

Cheapest Liability Coverage in East Chicago, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
American Family	$242	$41
Auto-Owners Insurance Co	$251	$42
USAA	$251	$42
Hastings Mutual	$269	$45
Indiana Farmers	$278	$47
Progressive	$323	$54
Auto-Owners	$332	$56
Grange	$332	$56
Travelers	$350	$59
SafeAuto	$368	$62
Farm Bureau	$448	$77
State Farm	$448	$76
Allstate	$781	$131
Farmers	$824	$137

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 American Family at $74 per month and $439 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Chicago, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$439	$74
Auto-Owners Insurance Co	$610	$104
Westfield	$619	$103
Nationwide	$772	$130
Hastings Mutual	$861	$145
USAA	$879	$148
Hastings Insurance	$969	$162
Progressive	$1022	$172
Travelers	$1022	$172
Auto-Owners	$1157	$195
Farm Bureau	$1480	$246
State Farm	$1641	$276
Allstate	$2072	$349
Farmers	$2297	$391

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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	$580
40s	USAA	$544
50s	USAA	$515
60s	USAA	$536
70s	Buckeye Insurance Group	$572

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 $38 per month. At $5857 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$225	$38
American Family	$251	$42
Auto-Owners Insurance Co	$323	$54
Grange	$350	$59
USAA	$986	$166
Travelers	$1273	$214
Progressive	$1382	$233
Auto-Owners	$3390	$577
Allstate	$4421	$737
State Farm	$4683	$796
Farm Bureau	$5211	$868
Farmers	$5857	$997

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 $580 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 $359 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 $6709 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$359	$60
American Family	$376	$63
Nationwide	$421	$71
Grange	$448	$76
Progressive	$1148	$193
Travelers	$1157	$195
USAA	$1345	$230
Allstate	$1794	$302
Farm Bureau	$3032	$515
Auto-Owners	$3749	$625
Farmers	$3749	$637
State Farm	$6709	$1119

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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 American Family and AutoOwners Insurance Co, offering $305 and $350, respectively. Allstate is an expensive provider with an average six-month premium of $3704.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$305	$51
Auto-Owners Insurance Co	$350	$59
Indiana Farmers	$359	$60
Grange	$394	$66
USAA	$690	$116
Travelers	$799	$134
Auto-Owners	$834	$140
Progressive	$852	$143
State Farm	$1166	$196
Farmers	$1830	$308
Farm Bureau	$2197	$367
Allstate	$3704	$630

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 $1139 for a six month policy. While the rate increases by $278 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	$1238	$207
One Med/PIP claim	$1238	$210
Not-at-fault accident	$1309	$219
Two Med/PIP claims	$1327	$225
One comp claim	$1336	$223
Failure to show documents	$1400	$239
Failure to wear a seat belt	$1409	$234
Two comp claims	$1418	$242
Child safety restraint	$1435	$239
Driving without lights	$1435	$245
Driving with expired registration	$1489	$248
Speeding 6 - 10 MPH over limit	$1516	$258
Driving too slowly	$1525	$254
Failure to yield	$1525	$260
Following too closely	$1525	$254
Illegal turn	$1525	$260
Speeding in school zone	$1525	$254
Cell phone violation	$1534	$261
Speeding 11 - 15 MPH over limit	$1534	$255
Texting while driving	$1534	$261
Wrong way/wrong lane	$1534	$255
Failure to stop at a red light	$1543	$263
Improper passing	$1552	$258
Speeding 16 - 20 MPH over limit	$1552	$264
At-fault accident - less than $1000	$1570	$261
Passing school bus	$1596	$272
Speeding 21 - 25 MPH over limit	$1678	$279
At-fault accident - $1000-$2000	$1730	$294
In 65 MPH zone	$1758	$293
At-fault accident - greater than $2000	$1767	$300
Operating a vehicle without permission	$1892	$316
Open container	$1910	$325
Racing	$2322	$387
Reckless driving	$2331	$397
Refusal to submit to a chemical test	$2359	$393
DUI	$2377	$405
Leaving scene of an accident/hit and run	$2422	$403
Driving with a suspended license	$2440	$415

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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 American Family at $305 for a six-month policy. However, it can be as expensive as $4116 with companies like Farmers.

East Chicago car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$305	$51
Grange	$556	$95
Travelers	$843	$142
Progressive	$852	$143
USAA	$1040	$175
Farm Bureau	$1730	$291
State Farm	$1749	$294
Allstate	$1910	$322
Auto-Owners	$2636	$444
Hastings Mutual	$2834	$482
Farmers	$4116	$686

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 $233. However, it can be as expensive as $2889 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	$233	$39
American Family	$305	$51
Auto-Owners Insurance Co	$323	$54
Travelers	$906	$153
Progressive	$924	$156
USAA	$924	$154
State Farm	$986	$166
Auto-Owners	$1336	$223
Farm Bureau	$1776	$302
Farmers	$2852	$476
Allstate	$2889	$491

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 rose by $236 in January compared to $202 of December. In other words, there has been an increase by $34 when you compare January and December.

The average cost of liability insurance in the East Chicago rose to $62 in January, compared to $59 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in East Chicago?

The car insurance in East Chicago is $32 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 $74 per month for full coverage.

How much is car insurance in East Chicago for teenagers?

Car insurance for teenagers costs $225 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 $749 for a six-month policy. It will cost around $190 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: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

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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