Cheapest Car Insurance Quotes in Hammond

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Hammond Car Insurance

^$ 29

/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 Hammond

The car insurance rate in Hammond is $914 for a six-month policy, which is $247 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $553, making it a popular choice for budget-conscious drivers. Rates in Hammond 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 Hammond

$914

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Hammond

1st place: AutoOwners Insurance Co

At $553 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 $562 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $700 for six months, making it the third cheapest auto insurance company in Hammond.

Hammond Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hammond, IN is AutoOwners Insurance Co, offering policies at just $553 for a six-month term. This is followed by Westfield, which has an average six-month premium of $562.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1693 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hammond drivers find the best deals.

Cheap Car Insurance Companies in Hammond, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$553	$92
Westfield	$562	$96
Nationwide	$700	$118
American Family	$725	$122
USAA	$773	$130
Hastings Mutual	$781	$132
Travelers	$863	$145
Hastings Insurance	$880	$149
Progressive	$903	$152
Auto-Owners	$936	$158
State Farm	$1254	$211
Farm Bureau	$1262	$215
Allstate	$1693	$285

Key Takeaways

Way's key takeaways about car insurance in Hammond

The auto insurance costs in Hammond fall around $553 for six months.
The cheapest auto insurance company in Hammond is Westfield.
Teen drivers pay the highest rate in Hammond at $752 per month.

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

Cheapest Minimum Liability Car Insurance in Hammond

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 Hammond are given below.

Westfield provides the cheapest minimum car insurance coverage in Hammond. Their Average 6 Month Premium is $171. Farmers is the most expensive at $310 for the same period.

Cheapest Liability Coverage in Hammond, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$171	$29
USAA	$219	$37
Auto-Owners Insurance Co	$227	$38
Hastings Mutual	$244	$41
Indiana Farmers	$252	$42
American Family	$277	$47
Auto-Owners	$277	$47
Progressive	$293	$49
Grange	$301	$51
Travelers	$310	$52
SafeAuto	$334	$56
State Farm	$358	$60
Farm Bureau	$407	$70
Allstate	$667	$112
Farmers	$310	$52

Cheapest Full Coverage Car Insurance in Hammond

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 Hammond is AutoOwners Insurance Co at $92 per month and $553 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hammond, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$553	$92
Westfield	$562	$96
Nationwide	$700	$118
American Family	$725	$122
USAA	$773	$130
Hastings Mutual	$781	$132
Travelers	$863	$145
Hastings Insurance	$880	$149
Progressive	$903	$152
Auto-Owners	$936	$158
State Farm	$1254	$211
Farm Bureau	$1262	$215
Allstate	$1693	$285

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Average Car Insurance in Hammond 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 Hammond, IN increasing?

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

Car Insurance Premiums by Age in Hammond

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	$588
40s	USAA	$551
50s	USAA	$521
60s	USAA	$543
70s	Buckeye Insurance Group	$580

Cheapest Car Insurance Rates for Teen Drivers in Hammond,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hammond at $34 per month. At $4426 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$204	$34
Auto-Owners Insurance Co	$293	$49
Grange	$318	$53
USAA	$651	$110
Travelers	$985	$166
Progressive	$1140	$192
American Family	$1985	$334
Auto-Owners	$2645	$441
State Farm	$2751	$467
Allstate	$3272	$545
Farm Bureau	$4426	$752

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 Hammond.

As young drivers face the highest rates in Hammond, USAA offers the cheapest auto insurance rates at $588 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 Hammond, Westfield is the cheapest car insurance provider. At $326 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 Hammond is State Farm, offering rates of around $3996 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$326	$55
Nationwide	$382	$64
Grange	$407	$69
Travelers	$903	$152
Progressive	$952	$160
USAA	$1041	$177
American Family	$1115	$188
Allstate	$1351	$227
Farm Bureau	$2571	$429
Auto-Owners	$2776	$471
State Farm	$3996	$666

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

Car Insurance Rates with An Accident in Hammond

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

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

The cheapest car insurance companies after an at-fault accident in Hammond include AutoOwners Insurance Co and Indiana Farmers, offering $318 and $326, respectively. Allstate is an expensive provider with an average six-month premium of $2693.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$318	$53
Indiana Farmers	$326	$55
Grange	$358	$60
Farmers	$415	$71
USAA	$553	$93
Travelers	$643	$108
Auto-Owners	$659	$111
Progressive	$708	$119
State Farm	$756	$127
American Family	$1033	$174
Farm Bureau	$1880	$314
Allstate	$2693	$458

Hammond Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hammond IN. For example, the car insurance in Hammond after a DUI increases to $1033 for a six month policy. While the rate increases by $252 for a six-month policy in the case of a speeding ticket.

Hammond auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1123	$188
One Med/PIP claim	$1123	$190
Not-at-fault accident	$1188	$199
Two Med/PIP claims	$1204	$204
One comp claim	$1212	$203
Failure to show documents	$1270	$216
Failure to wear a seat belt	$1278	$212
Two comp claims	$1286	$219
Child safety restraint	$1302	$216
Driving without lights	$1302	$222
Driving with expired registration	$1351	$225
Speeding 6 - 10 MPH over limit	$1375	$234
Driving too slowly	$1384	$230
Failure to yield	$1384	$236
Following too closely	$1384	$230
Illegal turn	$1384	$236
Speeding in school zone	$1384	$230
Cell phone violation	$1392	$237
Speeding 11 - 15 MPH over limit	$1392	$232
Texting while driving	$1392	$237
Wrong way/wrong lane	$1392	$232
Failure to stop at a red light	$1400	$238
Improper passing	$1408	$234
Speeding 16 - 20 MPH over limit	$1408	$240
At-fault accident - less than $1000	$1425	$237
Passing school bus	$1448	$247
Speeding 21 - 25 MPH over limit	$1522	$253
At-fault accident - $1000-$2000	$1570	$267
In 65 MPH zone	$1595	$266
At-fault accident - greater than $2000	$1603	$273
Operating a vehicle without permission	$1717	$286
Open container	$1733	$295
Racing	$2107	$351
Reckless driving	$2115	$360
Refusal to submit to a chemical test	$2140	$356
DUI	$2156	$367
Leaving scene of an accident/hit and run	$2197	$366
Driving with a suspended license	$2214	$377

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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 Hammond 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 Hammond.

The cheapest car insurance premiums in Hammond are offered by Grange at $504 for a six-month policy. However, it can be as expensive as $2571 with companies like Hastings Mutual.

Hammond car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$504	$84
Travelers	$675	$114
Progressive	$733	$123
USAA	$806	$136
American Family	$1123	$189
State Farm	$1310	$221
Farm Bureau	$1497	$252
Allstate	$1562	$263
Auto-Owners	$2107	$355
Hastings Mutual	$2571	$437

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 Hammond are offered by Westfield at $211. However, it can be as expensive as $2107 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hammond after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$211	$36
Auto-Owners Insurance Co	$293	$49
State Farm	$643	$108
Travelers	$700	$118
USAA	$717	$122
American Family	$733	$123
Progressive	$764	$129
Auto-Owners	$985	$164
Farm Bureau	$1514	$258
Allstate	$2107	$351

Car Insurance Price Trends in Hammond, Indiana

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

The average cost of full coverage in the Hammond remained steady at $184 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hammond remained steady at $53 in both December and November, indicating no change over the two month period.

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Head of Commercial Insurance

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Average Car Insurance Cost in Hammond by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Hammond. At $1059 for a six-month policy, insuring your car at 46327 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
46327	$1059	$177
46323	$1206	$202
46324	$1197	$201
46320	$1087	$182

Frequently Asked Questions

How much is car insurance in Hammond?

The car insurance in Hammond is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Hammond?

The cheapest car insurance in Hammond is $92 per month for full coverage.

How much is car insurance in Hammond for teenagers?

Car insurance for teenagers costs $204 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 Hammond?

The average cost of car insurance is $667 for a six-month policy. It will cost around $153 per month to insure your car in Hammond.

Is car insurance expensive in Hammond?

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

Cheapest Car Insurance Quotes in Hammond

Why you can trust Way?

How Much Is Car Insurance in Hammond

Avg. Car Insurance in Hammond

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Hammond

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Hammond Car Insurance Rates by Company

Cheap Car Insurance Companies in Hammond, IN

Way's key takeaways about car insurance in Hammond

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hammond

Cheapest Liability Coverage in Hammond, IN

Cheapest Full Coverage Car Insurance in Hammond

Cheapest Full Coverage Car Insurance Quotes in Hammond, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hammond by Rating Factor

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

Car Insurance Premiums by Age in Hammond

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hammond,IN

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

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 Hammond

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

Hammond Car Insurance Rates by Violation

Hammond auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hammond after a DUI

Hammond car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hammond after Speeding ticket

Car Insurance Price Trends in Hammond, Indiana

Average Car Insurance Cost in Hammond by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hammond, IN

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

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