Cheapest Car Insurance Quotes in Geneva

Finding the cheapest car insurance quotes in Geneva shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Geneva 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 Geneva

The car insurance rate in Geneva is $727 for a six-month policy, which is $22 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $282, making it a popular choice for budget-conscious drivers. Rates in Geneva 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 Geneva

$727

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Geneva

1st place: American Family

At $282 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 $392 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $398 for six months, making it the third cheapest auto insurance company in Geneva.

Geneva Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Geneva, IN is American Family, offering policies at just $282 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $392.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1475 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Geneva drivers find the best deals.

Cheap Car Insurance Companies in Geneva, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$282	$48
Auto-Owners Insurance Co	$392	$67
Westfield	$398	$66
Nationwide	$496	$83
Hastings Mutual	$553	$93
USAA	$565	$95
Hastings Insurance	$623	$104
Progressive	$657	$111
Travelers	$657	$111
Auto-Owners	$743	$125
Farm Bureau	$951	$158
State Farm	$1054	$178
Allstate	$1331	$224
Farmers	$1475	$251

Key Takeaways

Way's key takeaways about car insurance in Geneva

The auto insurance costs in Geneva fall around $282 for six months.
The cheapest auto insurance company in Geneva is Westfield.
Teen drivers pay the highest rate in Geneva at $640 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 Geneva

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 Geneva are given below.

Westfield provides the cheapest minimum car insurance coverage in Geneva. Their Average 6 Month Premium is $121. Farmers is the most expensive at $530 for the same period.

Cheapest Liability Coverage in Geneva, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$121	$20
American Family	$155	$26
Auto-Owners Insurance Co	$161	$27
USAA	$161	$27
Hastings Mutual	$173	$29
Indiana Farmers	$178	$30
Progressive	$208	$35
Auto-Owners	$213	$36
Grange	$213	$36
Travelers	$225	$38
SafeAuto	$237	$40
Farm Bureau	$288	$49
State Farm	$288	$49
Allstate	$501	$84
Farmers	$530	$88

Cheapest Full Coverage Car Insurance in Geneva

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 Geneva is American Family at $48 per month and $282 for six months.

Cheapest Full Coverage Car Insurance Quotes in Geneva, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$282	$48
Auto-Owners Insurance Co	$392	$67
Westfield	$398	$66
Nationwide	$496	$83
Hastings Mutual	$553	$93
USAA	$565	$95
Hastings Insurance	$623	$104
Progressive	$657	$111
Travelers	$657	$111
Auto-Owners	$743	$125
Farm Bureau	$951	$158
State Farm	$1054	$178
Allstate	$1331	$224
Farmers	$1475	$251

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Geneva Instantly!

Average Car Insurance in Geneva 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 Geneva, IN increasing?

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

Car Insurance Premiums by Age in Geneva

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	$372
40s	USAA	$349
50s	USAA	$331
60s	USAA	$344
70s	Buckeye Insurance Group	$368

Cheapest Car Insurance Rates for Teen Drivers in Geneva,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Geneva at $24 per month. At $3763 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$145	$24
American Family	$161	$27
Auto-Owners Insurance Co	$208	$35
Grange	$225	$38
USAA	$633	$107
Travelers	$818	$138
Progressive	$888	$149
Auto-Owners	$2178	$371
Allstate	$2840	$473
State Farm	$3008	$511
Farm Bureau	$3347	$558
Farmers	$3763	$640

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 Geneva.

As young drivers face the highest rates in Geneva, USAA offers the cheapest auto insurance rates at $372 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 Geneva, Westfield is the cheapest car insurance provider. At $231 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 Geneva is State Farm, offering rates of around $4310 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$231	$39
American Family	$242	$41
Nationwide	$271	$46
Grange	$288	$49
Progressive	$737	$124
Travelers	$743	$125
USAA	$864	$147
Allstate	$1152	$194
Farm Bureau	$1948	$331
Auto-Owners	$2409	$402
Farmers	$2409	$409
State Farm	$4310	$719

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Geneva

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

Cheapest Car Insurance Companies after an At-Fault Accident in Geneva

The cheapest car insurance companies after an at-fault accident in Geneva include American Family and AutoOwners Insurance Co, offering $196 and $225, respectively. Allstate is an expensive provider with an average six-month premium of $2379.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$196	$33
Auto-Owners Insurance Co	$225	$38
Indiana Farmers	$231	$39
Grange	$253	$43
USAA	$443	$75
Travelers	$513	$86
Auto-Owners	$535	$90
Progressive	$547	$92
State Farm	$749	$126
Farmers	$1176	$198
Farm Bureau	$1411	$236
Allstate	$2379	$404

Geneva Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Geneva IN. For example, the car insurance in Geneva after a DUI increases to $732 for a six month policy. While the rate increases by $179 for a six-month policy in the case of a speeding ticket.

Geneva auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$795	$133
One Med/PIP claim	$795	$135
Not-at-fault accident	$841	$141
Two Med/PIP claims	$853	$145
One comp claim	$858	$144
Failure to show documents	$899	$153
Failure to wear a seat belt	$905	$150
Two comp claims	$911	$155
Child safety restraint	$922	$153
Driving without lights	$922	$157
Driving with expired registration	$956	$159
Speeding 6 - 10 MPH over limit	$974	$166
Driving too slowly	$980	$163
Failure to yield	$980	$167
Following too closely	$980	$163
Illegal turn	$980	$167
Speeding in school zone	$980	$163
Cell phone violation	$986	$168
Speeding 11 - 15 MPH over limit	$986	$164
Texting while driving	$986	$168
Wrong way/wrong lane	$986	$164
Failure to stop at a red light	$991	$169
Improper passing	$997	$166
Speeding 16 - 20 MPH over limit	$997	$170
At-fault accident - less than $1000	$1009	$168
Passing school bus	$1025	$175
Speeding 21 - 25 MPH over limit	$1078	$179
At-fault accident - $1000-$2000	$1112	$189
In 65 MPH zone	$1129	$188
At-fault accident - greater than $2000	$1135	$193
Operating a vehicle without permission	$1215	$203
Open container	$1227	$209
Racing	$1492	$248
Reckless driving	$1498	$255
Refusal to submit to a chemical test	$1515	$252
DUI	$1527	$260
Leaving scene of an accident/hit and run	$1556	$259
Driving with a suspended license	$1568	$267

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Geneva 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 Geneva.

The cheapest car insurance premiums in Geneva are offered by American Family at $196 for a six-month policy. However, it can be as expensive as $2644 with companies like Farmers.

Geneva car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$196	$33
Grange	$357	$61
Travelers	$541	$91
Progressive	$547	$92
USAA	$668	$113
Farm Bureau	$1112	$187
State Farm	$1123	$189
Allstate	$1227	$207
Auto-Owners	$1694	$285
Hastings Mutual	$1821	$309
Farmers	$2644	$440

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 Geneva are offered by Westfield at $149. However, it can be as expensive as $1856 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Geneva after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
American Family	$196	$33
Auto-Owners Insurance Co	$208	$35
Travelers	$582	$98
Progressive	$594	$100
USAA	$594	$99
State Farm	$633	$107
Auto-Owners	$858	$144
Farm Bureau	$1141	$194
Farmers	$1832	$306
Allstate	$1856	$315

Car Insurance Price Trends in Geneva, Indiana

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

The average cost of full coverage in the Geneva rose by $151 in January compared to $130 of December. In other words, there has been an increase by $21 when you compare January and December.

The average cost of liability insurance in the Geneva rose to $40 in January, compared to $38 in December. This represents an increase of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Geneva?

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

What is the cheapest car insurance in Geneva?

The cheapest car insurance in Geneva is $48 per month for full coverage.

How much is car insurance in Geneva for teenagers?

Car insurance for teenagers costs $145 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 Geneva?

The average cost of car insurance is $749 for a six-month policy. It will cost around $122 per month to insure your car in Geneva.

Is car insurance expensive in Geneva?

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

Cheapest Car Insurance Quotes in Geneva

Why you can trust Way?

How Much Is Car Insurance in Geneva

Avg. Car Insurance in Geneva

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Geneva

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Geneva Car Insurance Rates by Company

Cheap Car Insurance Companies in Geneva, IN

Way's key takeaways about car insurance in Geneva

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Geneva

Cheapest Liability Coverage in Geneva, IN

Cheapest Full Coverage Car Insurance in Geneva

Cheapest Full Coverage Car Insurance Quotes in Geneva, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Geneva by Rating Factor

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

Car Insurance Premiums by Age in Geneva

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Geneva,IN

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

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 Geneva

Cheapest Car Insurance Companies after an At-Fault Accident in Geneva

Geneva Car Insurance Rates by Violation

Geneva auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Geneva after a DUI

Geneva car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Geneva after Speeding ticket

Car Insurance Price Trends in Geneva, Indiana

Average Car Insurance Cost in Geneva by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Geneva, IN

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

Featured Blogs

Data Sources