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Gary Car Insurance
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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.
The car insurance rate in Gary is $1168 for a six-month policy, which is $419 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $454, making it a popular choice for budget-conscious drivers. Rates in Gary 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 $454 for a six month policy, American Family offers the cheapest auto insurance rates in the city.
AutoOwners Insurance Co offers auto insurance rates at $630 for a six-month policy, making it one of the cheapest to insure with.
Westfield offers auto insurance rates at $640 for six months, making it the third cheapest auto insurance company in Gary.
Based on our research, the cheapest car insurance company in Gary, IN is American Family, offering policies at just $454 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $630.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2373 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gary drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $454 | $76 |
| Auto-Owners Insurance Co | $630 | $108 |
| Westfield | $640 | $106 |
| Nationwide | $797 | $134 |
| Hastings Mutual | $889 | $150 |
| USAA | $908 | $153 |
| Hastings Insurance | $1002 | $167 |
| Progressive | $1056 | $178 |
| Travelers | $1056 | $178 |
| Auto-Owners | $1195 | $201 |
| Farm Bureau | $1529 | $254 |
| State Farm | $1696 | $285 |
| Allstate | $2140 | $360 |
| Farmers | $2373 | $404 |
Save up to $971/yr with our auto insurance quotes
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 Gary are given below.
Westfield provides the cheapest minimum car insurance coverage in Gary. Their Average 6 Month Premium is $195. Farmers is the most expensive at $852 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $195 | $33 |
| American Family | $250 | $42 |
| Auto-Owners Insurance Co | $259 | $44 |
| USAA | $259 | $44 |
| Hastings Mutual | $278 | $47 |
| Indiana Farmers | $287 | $48 |
| Progressive | $334 | $56 |
| Auto-Owners | $343 | $58 |
| Grange | $343 | $58 |
| Travelers | $362 | $61 |
| SafeAuto | $381 | $64 |
| Farm Bureau | $463 | $80 |
| State Farm | $463 | $78 |
| Allstate | $807 | $136 |
| Farmers | $852 | $142 |
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 Gary is American Family at $76 per month and $454 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $454 | $76 |
| Auto-Owners Insurance Co | $630 | $108 |
| Westfield | $640 | $106 |
| Nationwide | $797 | $134 |
| Hastings Mutual | $889 | $150 |
| USAA | $908 | $153 |
| Hastings Insurance | $1002 | $167 |
| Progressive | $1056 | $178 |
| Travelers | $1056 | $178 |
| Auto-Owners | $1195 | $201 |
| Farm Bureau | $1529 | $254 |
| State Farm | $1696 | $285 |
| Allstate | $2140 | $360 |
| Farmers | $2373 | $404 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Gary, 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, Gary's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 30s | USAA | $599 |
| 40s | USAA | $562 |
| 50s | USAA | $532 |
| 60s | USAA | $554 |
| 70s | Buckeye Insurance Group | $591 |
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Gary at $39 per month. At $6051 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $232 | $39 |
| American Family | $259 | $44 |
| Auto-Owners Insurance Co | $334 | $56 |
| Grange | $362 | $61 |
| USAA | $1019 | $172 |
| Travelers | $1315 | $222 |
| Progressive | $1427 | $240 |
| Auto-Owners | $3502 | $596 |
| Allstate | $4568 | $761 |
| State Farm | $4838 | $822 |
| Farm Bureau | $5384 | $897 |
| Farmers | $6051 | $1030 |
Teen Car Insurance Rates in IN by Age
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.
For those with poor credit scores in Gary, Westfield is the cheapest car insurance provider. At $371 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 Gary is State Farm, offering rates of around $6931 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $371 | $62 |
| American Family | $388 | $66 |
| Nationwide | $435 | $73 |
| Grange | $463 | $78 |
| Progressive | $1186 | $200 |
| Travelers | $1195 | $201 |
| USAA | $1390 | $237 |
| Allstate | $1853 | $312 |
| Farm Bureau | $3132 | $532 |
| Auto-Owners | $3873 | $646 |
| Farmers | $3873 | $658 |
| State Farm | $6931 | $1156 |
Save up to $971/yr on car insurance rates in Gary.
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 Gary, IN, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Gary include American Family and AutoOwners Insurance Co, offering $315 and $362, respectively. Allstate is an expensive provider with an average six-month premium of $3827.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $315 | $53 |
| Auto-Owners Insurance Co | $362 | $61 |
| Indiana Farmers | $371 | $62 |
| Grange | $407 | $69 |
| USAA | $713 | $120 |
| Travelers | $825 | $139 |
| Auto-Owners | $861 | $145 |
| Progressive | $880 | $148 |
| State Farm | $1204 | $203 |
| Farmers | $1891 | $318 |
| Farm Bureau | $2270 | $379 |
| Allstate | $3827 | $651 |
Here is a list of driving violations that can increase your car insurance rates in Gary IN. For example, the car insurance in Gary after a DUI increases to $1176 for a six month policy. While the rate increases by $287 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1279 | $214 |
| One Med/PIP claim | $1279 | $217 |
| Not-at-fault accident | $1353 | $226 |
| Two Med/PIP claims | $1371 | $232 |
| One comp claim | $1381 | $231 |
| Failure to show documents | $1446 | $246 |
| Failure to wear a seat belt | $1455 | $242 |
| Two comp claims | $1465 | $250 |
| Child safety restraint | $1482 | $246 |
| Driving without lights | $1482 | $253 |
| Driving with expired registration | $1538 | $256 |
| Speeding 6 - 10 MPH over limit | $1566 | $267 |
| Driving too slowly | $1576 | $262 |
| Failure to yield | $1576 | $268 |
| Following too closely | $1576 | $262 |
| Illegal turn | $1576 | $268 |
| Speeding in school zone | $1576 | $262 |
| Cell phone violation | $1585 | $270 |
| Speeding 11 - 15 MPH over limit | $1585 | $264 |
| Texting while driving | $1585 | $270 |
| Wrong way/wrong lane | $1585 | $264 |
| Failure to stop at a red light | $1594 | $271 |
| Improper passing | $1604 | $267 |
| Speeding 16 - 20 MPH over limit | $1604 | $273 |
| At-fault accident - less than $1000 | $1622 | $270 |
| Passing school bus | $1649 | $281 |
| Speeding 21 - 25 MPH over limit | $1733 | $289 |
| At-fault accident - $1000-$2000 | $1788 | $304 |
| In 65 MPH zone | $1816 | $303 |
| At-fault accident - greater than $2000 | $1825 | $310 |
| Operating a vehicle without permission | $1955 | $326 |
| Open container | $1973 | $335 |
| Racing | $2399 | $399 |
| Reckless driving | $2409 | $410 |
| Refusal to submit to a chemical test | $2437 | $406 |
| DUI | $2455 | $418 |
| Leaving scene of an accident/hit and run | $2502 | $417 |
| Driving with a suspended license | $2521 | $429 |
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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.
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 Gary.
The cheapest car insurance premiums in Gary are offered by American Family at $315 for a six-month policy. However, it can be as expensive as $4253 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $315 | $53 |
| Grange | $574 | $98 |
| Travelers | $870 | $147 |
| Progressive | $880 | $148 |
| USAA | $1075 | $181 |
| Farm Bureau | $1788 | $301 |
| State Farm | $1806 | $304 |
| Allstate | $1973 | $332 |
| Auto-Owners | $2724 | $459 |
| Hastings Mutual | $2928 | $498 |
| Farmers | $4253 | $708 |
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 Gary are offered by Westfield at $240. However, it can be as expensive as $2984 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $240 | $41 |
| American Family | $315 | $53 |
| Auto-Owners Insurance Co | $334 | $56 |
| Travelers | $936 | $158 |
| Progressive | $955 | $161 |
| USAA | $955 | $159 |
| State Farm | $1019 | $172 |
| Auto-Owners | $1381 | $231 |
| Farm Bureau | $1835 | $312 |
| Farmers | $2947 | $491 |
| Allstate | $2984 | $507 |
Car insurance rates in Gary have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Gary rose by $243 in January compared to $209 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 Gary rose to $64 in January, compared to $61 in December. This represents an increase of $3 when comparing January and December.
The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Gary. At $1425 for a six-month policy, insuring your car at 46404 is the cheapest in the city.
| Zip Code | Average 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| 46404 | $1425 | $239 |
| 46402 | $1250 | $210 |
| 46403 | $1355 | $228 |
| 46408 | $1390 | $233 |
| 46409 | $1261 | $212 |
| 46406 | $1296 | $218 |
| 46407 | $1320 | $222 |
How much is car insurance in Gary?
The car insurance in Gary is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Gary?
The cheapest car insurance in Gary is $76 per month for full coverage.
How much is car insurance in Gary for teenagers?
Car insurance for teenagers costs $232 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 Gary?
The average cost of car insurance is $749 for a six-month policy. It will cost around $197 per month to insure your car in Gary.
Is car insurance expensive in Gary?
Car insurance can be expensive in Gary if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Gary can be affordable.
What is the best car insurance in Gary, IN?
The best car insurance company in Gary IN is American Family, offering $454 for a six-month policy.
Cut auto insurance costs in Gary right now.