Cheapest Car Insurance Quotes in Flat Rock

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Flat Rock Car Insurance

^$ 20

/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 Flat Rock

The car insurance rate in Flat Rock is $627 for a six-month policy, which is $40 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $380, making it a popular choice for budget-conscious drivers. Rates in Flat Rock 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 Flat Rock

$627

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Flat Rock

1st place: AutoOwners Insurance Co

At $380 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 $385 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $480 for six months, making it the third cheapest auto insurance company in Flat Rock.

Flat Rock Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Flat Rock, IN is AutoOwners Insurance Co, offering policies at just $380 for a six-month term. This is followed by Westfield, which has an average six-month premium of $385.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1162 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Flat Rock drivers find the best deals.

Cheap Car Insurance Companies in Flat Rock, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$380	$63
Westfield	$385	$66
Nationwide	$480	$81
American Family	$497	$84
USAA	$530	$89
Hastings Mutual	$536	$90
Travelers	$592	$100
Hastings Insurance	$603	$102
Progressive	$619	$104
Auto-Owners	$642	$108
State Farm	$860	$145
Farm Bureau	$866	$148
Allstate	$1162	$196

Key Takeaways

Way's key takeaways about car insurance in Flat Rock

The auto insurance costs in Flat Rock fall around $380 for six months.
The cheapest auto insurance company in Flat Rock is Westfield.
Teen drivers pay the highest rate in Flat Rock at $516 per month.

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

Cheapest Minimum Liability Car Insurance in Flat Rock

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 Flat Rock are given below.

Westfield provides the cheapest minimum car insurance coverage in Flat Rock. Their Average 6 Month Premium is $118. Farmers is the most expensive at $212 for the same period.

Cheapest Liability Coverage in Flat Rock, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$118	$20
USAA	$150	$25
Auto-Owners Insurance Co	$156	$26
Hastings Mutual	$167	$28
Indiana Farmers	$173	$29
American Family	$190	$32
Auto-Owners	$190	$32
Progressive	$201	$34
Grange	$207	$35
Travelers	$212	$36
SafeAuto	$229	$39
State Farm	$245	$41
Farm Bureau	$279	$48
Allstate	$458	$77
Farmers	$212	$36

Cheapest Full Coverage Car Insurance in Flat Rock

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 Flat Rock is AutoOwners Insurance Co at $63 per month and $380 for six months.

Cheapest Full Coverage Car Insurance Quotes in Flat Rock, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$380	$63
Westfield	$385	$66
Nationwide	$480	$81
American Family	$497	$84
USAA	$530	$89
Hastings Mutual	$536	$90
Travelers	$592	$100
Hastings Insurance	$603	$102
Progressive	$619	$104
Auto-Owners	$642	$108
State Farm	$860	$145
Farm Bureau	$866	$148
Allstate	$1162	$196

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Average Car Insurance in Flat Rock 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 Flat Rock, IN increasing?

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

Car Insurance Premiums by Age in Flat Rock

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	$403
40s	USAA	$378
50s	USAA	$357
60s	USAA	$372
70s	Buckeye Insurance Group	$398

Cheapest Car Insurance Rates for Teen Drivers in Flat Rock,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Flat Rock at $24 per month. At $3037 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$140	$24
Auto-Owners Insurance Co	$201	$34
Grange	$218	$37
USAA	$447	$75
Travelers	$676	$114
Progressive	$782	$132
American Family	$1362	$229
Auto-Owners	$1815	$303
State Farm	$1888	$321
Allstate	$2245	$374
Farm Bureau	$3037	$516

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 Flat Rock.

As young drivers face the highest rates in Flat Rock, USAA offers the cheapest auto insurance rates at $403 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 Flat Rock, Westfield is the cheapest car insurance provider. At $224 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 Flat Rock is State Farm, offering rates of around $2742 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$224	$38
Nationwide	$262	$44
Grange	$279	$47
Travelers	$619	$104
Progressive	$653	$110
USAA	$714	$121
American Family	$765	$129
Allstate	$927	$156
Farm Bureau	$1764	$294
Auto-Owners	$1904	$323
State Farm	$2742	$457

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Flat Rock.

Car Insurance Rates with An Accident in Flat Rock

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

Cheapest Car Insurance Companies after an At-Fault Accident in Flat Rock

The cheapest car insurance companies after an at-fault accident in Flat Rock include AutoOwners Insurance Co and Indiana Farmers, offering $218 and $224, respectively. Allstate is an expensive provider with an average six-month premium of $1848.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$218	$37
Indiana Farmers	$224	$38
Grange	$245	$41
Farmers	$285	$49
USAA	$380	$64
Travelers	$441	$74
Auto-Owners	$452	$76
Progressive	$486	$82
State Farm	$519	$87
American Family	$709	$119
Farm Bureau	$1290	$215
Allstate	$1848	$314

Flat Rock Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Flat Rock IN. For example, the car insurance in Flat Rock after a DUI increases to $709 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.

Flat Rock auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$771	$129
One Med/PIP claim	$771	$131
Not-at-fault accident	$815	$136
Two Med/PIP claims	$826	$140
One comp claim	$832	$139
Failure to show documents	$871	$149
Failure to wear a seat belt	$877	$146
Two comp claims	$883	$150
Child safety restraint	$893	$149
Driving without lights	$893	$152
Driving with expired registration	$927	$154
Speeding 6 - 10 MPH over limit	$944	$161
Driving too slowly	$949	$158
Failure to yield	$949	$162
Following too closely	$949	$158
Illegal turn	$949	$162
Speeding in school zone	$949	$158
Cell phone violation	$955	$163
Speeding 11 - 15 MPH over limit	$955	$159
Texting while driving	$955	$163
Wrong way/wrong lane	$955	$159
Failure to stop at a red light	$961	$164
Improper passing	$966	$161
Speeding 16 - 20 MPH over limit	$966	$165
At-fault accident - less than $1000	$978	$163
Passing school bus	$994	$169
Speeding 21 - 25 MPH over limit	$1044	$174
At-fault accident - $1000-$2000	$1077	$183
In 65 MPH zone	$1094	$182
At-fault accident - greater than $2000	$1100	$187
Operating a vehicle without permission	$1178	$196
Open container	$1189	$202
Racing	$1446	$241
Reckless driving	$1451	$247
Refusal to submit to a chemical test	$1468	$244
DUI	$1480	$252
Leaving scene of an accident/hit and run	$1508	$251
Driving with a suspended license	$1519	$259

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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 Flat Rock 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 Flat Rock.

The cheapest car insurance premiums in Flat Rock are offered by Grange at $346 for a six-month policy. However, it can be as expensive as $1764 with companies like Hastings Mutual.

Flat Rock car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$346	$57
Travelers	$463	$78
Progressive	$503	$85
USAA	$553	$93
American Family	$771	$130
State Farm	$899	$151
Farm Bureau	$1027	$173
Allstate	$1072	$180
Auto-Owners	$1446	$243
Hastings Mutual	$1764	$300

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 Flat Rock are offered by Westfield at $145. However, it can be as expensive as $1446 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Flat Rock after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$145	$24
Auto-Owners Insurance Co	$201	$34
State Farm	$441	$74
Travelers	$480	$81
USAA	$492	$84
American Family	$503	$85
Progressive	$525	$88
Auto-Owners	$676	$113
Farm Bureau	$1039	$177
Allstate	$1446	$241

Car Insurance Price Trends in Flat Rock, Indiana

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

The average cost of full coverage in the Flat Rock remained steady at $126 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Flat Rock remained steady at $37 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 Flat Rock?

The car insurance in Flat Rock is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Flat Rock?

The cheapest car insurance in Flat Rock is $63 per month for full coverage.

How much is car insurance in Flat Rock for teenagers?

Car insurance for teenagers costs $140 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 Flat Rock?

The average cost of car insurance is $667 for a six-month policy. It will cost around $105 per month to insure your car in Flat Rock.

Is car insurance expensive in Flat Rock?

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

Cheapest Car Insurance Quotes in Flat Rock

Why you can trust Way?

How Much Is Car Insurance in Flat Rock

Avg. Car Insurance in Flat Rock

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Flat Rock

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Flat Rock Car Insurance Rates by Company

Cheap Car Insurance Companies in Flat Rock, IN

Way's key takeaways about car insurance in Flat Rock

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Flat Rock

Cheapest Liability Coverage in Flat Rock, IN

Cheapest Full Coverage Car Insurance in Flat Rock

Cheapest Full Coverage Car Insurance Quotes in Flat Rock, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Flat Rock by Rating Factor

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

Car Insurance Premiums by Age in Flat Rock

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Flat Rock,IN

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

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 Flat Rock

Cheapest Car Insurance Companies after an At-Fault Accident in Flat Rock

Flat Rock Car Insurance Rates by Violation

Flat Rock auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Flat Rock after a DUI

Flat Rock car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Flat Rock after Speeding ticket

Car Insurance Price Trends in Flat Rock, Indiana

Average Car Insurance Cost in Flat Rock by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Flat Rock, IN

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

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