Cheapest Car Insurance Quotes in Gas City

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Gas City Car Insurance

^$ 21

/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 Gas City

The car insurance rate in Gas City is $756 for a six-month policy, which is $7 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $294, making it a popular choice for budget-conscious drivers. Rates in Gas City 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 Gas City

$756

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Gas City

1st place: American Family

At $294 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 $408 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $414 for six months, making it the third cheapest auto insurance company in Gas City.

Gas City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gas City, IN is American Family, offering policies at just $294 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $408.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1536 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gas City drivers find the best deals.

Cheap Car Insurance Companies in Gas City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$294	$49
Auto-Owners Insurance Co	$408	$70
Westfield	$414	$69
Nationwide	$516	$87
Hastings Mutual	$576	$97
USAA	$588	$99
Hastings Insurance	$648	$108
Progressive	$684	$115
Travelers	$684	$115
Auto-Owners	$774	$130
Farm Bureau	$990	$165
State Farm	$1098	$185
Allstate	$1386	$233
Farmers	$1536	$262

Key Takeaways

Way's key takeaways about car insurance in Gas City

The auto insurance costs in Gas City fall around $294 for six months.
The cheapest auto insurance company in Gas City is Westfield.
Teen drivers pay the highest rate in Gas City at $667 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Gas City

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 Gas City are given below.

Westfield provides the cheapest minimum car insurance coverage in Gas City. Their Average 6 Month Premium is $126. Farmers is the most expensive at $551 for the same period.

Cheapest Liability Coverage in Gas City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$126	$21
American Family	$162	$27
Auto-Owners Insurance Co	$168	$28
USAA	$168	$28
Hastings Mutual	$180	$30
Indiana Farmers	$186	$31
Progressive	$216	$36
Auto-Owners	$222	$37
Grange	$222	$37
Travelers	$234	$39
SafeAuto	$246	$41
Farm Bureau	$300	$52
State Farm	$300	$51
Allstate	$522	$88
Farmers	$551	$92

Cheapest Full Coverage Car Insurance in Gas City

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 Gas City is American Family at $49 per month and $294 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gas City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$294	$49
Auto-Owners Insurance Co	$408	$70
Westfield	$414	$69
Nationwide	$516	$87
Hastings Mutual	$576	$97
USAA	$588	$99
Hastings Insurance	$648	$108
Progressive	$684	$115
Travelers	$684	$115
Auto-Owners	$774	$130
Farm Bureau	$990	$165
State Farm	$1098	$185
Allstate	$1386	$233
Farmers	$1536	$262

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Average Car Insurance in Gas City 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 Gas City, IN increasing?

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

Car Insurance Premiums by Age in Gas City

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	$388
40s	USAA	$364
50s	USAA	$344
60s	USAA	$359
70s	Buckeye Insurance Group	$383

Cheapest Car Insurance Rates for Teen Drivers in Gas City,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Gas City at $25 per month. At $3918 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
American Family	$168	$28
Auto-Owners Insurance Co	$216	$36
Grange	$234	$39
USAA	$660	$111
Travelers	$851	$143
Progressive	$924	$156
Auto-Owners	$2267	$386
Allstate	$2957	$493
State Farm	$3132	$532
Farm Bureau	$3486	$581
Farmers	$3918	$667

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 Gas City.

As young drivers face the highest rates in Gas City, USAA offers the cheapest auto insurance rates at $388 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 Gas City, Westfield is the cheapest car insurance provider. At $240 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 Gas City is State Farm, offering rates of around $4487 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$240	$40
American Family	$251	$42
Nationwide	$282	$47
Grange	$300	$51
Progressive	$768	$129
Travelers	$774	$130
USAA	$900	$154
Allstate	$1200	$202
Farm Bureau	$2028	$344
Auto-Owners	$2508	$418
Farmers	$2508	$426
State Farm	$4487	$748

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Gas City.

Car Insurance Rates with An Accident in Gas City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Gas City

The cheapest car insurance companies after an at-fault accident in Gas City include American Family and AutoOwners Insurance Co, offering $204 and $234, respectively. Allstate is an expensive provider with an average six-month premium of $2478.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$204	$34
Auto-Owners Insurance Co	$234	$39
Indiana Farmers	$240	$40
Grange	$264	$44
USAA	$462	$78
Travelers	$534	$90
Auto-Owners	$558	$94
Progressive	$570	$96
State Farm	$780	$131
Farmers	$1224	$206
Farm Bureau	$1470	$245
Allstate	$2478	$421

Gas City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gas City IN. For example, the car insurance in Gas City after a DUI increases to $762 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Gas City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$828	$138
One Med/PIP claim	$828	$140
Not-at-fault accident	$876	$146
Two Med/PIP claims	$888	$150
One comp claim	$894	$149
Failure to show documents	$936	$160
Failure to wear a seat belt	$942	$157
Two comp claims	$948	$162
Child safety restraint	$960	$160
Driving without lights	$960	$164
Driving with expired registration	$996	$166
Speeding 6 - 10 MPH over limit	$1014	$173
Driving too slowly	$1020	$170
Failure to yield	$1020	$174
Following too closely	$1020	$170
Illegal turn	$1020	$174
Speeding in school zone	$1020	$170
Cell phone violation	$1026	$175
Speeding 11 - 15 MPH over limit	$1026	$171
Texting while driving	$1026	$175
Wrong way/wrong lane	$1026	$171
Failure to stop at a red light	$1032	$176
Improper passing	$1038	$173
Speeding 16 - 20 MPH over limit	$1038	$177
At-fault accident - less than $1000	$1050	$175
Passing school bus	$1068	$182
Speeding 21 - 25 MPH over limit	$1122	$187
At-fault accident - $1000-$2000	$1157	$197
In 65 MPH zone	$1176	$196
At-fault accident - greater than $2000	$1182	$201
Operating a vehicle without permission	$1266	$211
Open container	$1278	$217
Racing	$1553	$259
Reckless driving	$1559	$266
Refusal to submit to a chemical test	$1578	$263
DUI	$1590	$271
Leaving scene of an accident/hit and run	$1620	$270
Driving with a suspended license	$1632	$278

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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 Gas City 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 Gas City.

The cheapest car insurance premiums in Gas City are offered by American Family at $204 for a six-month policy. However, it can be as expensive as $2753 with companies like Farmers.

Gas City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$204	$34
Grange	$372	$64
Travelers	$564	$95
Progressive	$570	$96
USAA	$696	$117
Farm Bureau	$1157	$195
State Farm	$1170	$197
Allstate	$1278	$215
Auto-Owners	$1763	$297
Hastings Mutual	$1896	$322
Farmers	$2753	$459

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 Gas City are offered by Westfield at $156. However, it can be as expensive as $1932 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Gas City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
American Family	$204	$34
Auto-Owners Insurance Co	$216	$36
Travelers	$606	$102
Progressive	$618	$104
USAA	$618	$103
State Farm	$660	$111
Auto-Owners	$894	$149
Farm Bureau	$1188	$202
Farmers	$1908	$318
Allstate	$1932	$328

Car Insurance Price Trends in Gas City, Indiana

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

The average cost of full coverage in the Gas City rose by $158 in January compared to $135 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Gas City rose to $41 in January, compared to $39 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 Gas City?

The car insurance in Gas City is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Gas City?

The cheapest car insurance in Gas City is $49 per month for full coverage.

How much is car insurance in Gas City for teenagers?

Car insurance for teenagers costs $150 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 Gas City?

The average cost of car insurance is $749 for a six-month policy. It will cost around $127 per month to insure your car in Gas City.

Is car insurance expensive in Gas City?

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

Cheapest Car Insurance Quotes in Gas City

Why you can trust Way?

How Much Is Car Insurance in Gas City

Avg. Car Insurance in Gas City

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Gas City

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Gas City Car Insurance Rates by Company

Cheap Car Insurance Companies in Gas City, IN

Way's key takeaways about car insurance in Gas City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gas City

Cheapest Liability Coverage in Gas City, IN

Cheapest Full Coverage Car Insurance in Gas City

Cheapest Full Coverage Car Insurance Quotes in Gas City, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gas City by Rating Factor

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

Car Insurance Premiums by Age in Gas City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gas City,IN

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

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 Gas City

Cheapest Car Insurance Companies after an At-Fault Accident in Gas City

Gas City Car Insurance Rates by Violation

Gas City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gas City after a DUI

Gas City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gas City after Speeding ticket

Car Insurance Price Trends in Gas City, Indiana

Average Car Insurance Cost in Gas City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gas City, IN

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

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