Cheapest Car Insurance Quotes in Hammond

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Hammond Car Insurance

^$ 30

/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 $1071 for a six-month policy, which is $322 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $416, 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

$1071

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Hammond

1st place: American Family

At $416 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 $578 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $586 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 American Family, offering policies at just $416 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $578.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2175 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
American Family	$416	$70
Auto-Owners Insurance Co	$578	$99
Westfield	$586	$97
Nationwide	$731	$123
Hastings Mutual	$815	$137
USAA	$832	$140
Hastings Insurance	$918	$153
Progressive	$968	$163
Travelers	$968	$163
Auto-Owners	$1095	$184
Farm Bureau	$1401	$233
State Farm	$1554	$262
Allstate	$1962	$330
Farmers	$2175	$370

Key Takeaways

Way's key takeaways about car insurance in Hammond

The auto insurance costs in Hammond fall around $416 for six months.
The cheapest auto insurance company in Hammond is Westfield.
Teen drivers pay the highest rate in Hammond at $944 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 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 $179. Farmers is the most expensive at $781 for the same period.

Cheapest Liability Coverage in Hammond, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
American Family	$229	$39
Auto-Owners Insurance Co	$237	$40
USAA	$237	$40
Hastings Mutual	$255	$43
Indiana Farmers	$263	$44
Progressive	$306	$51
Auto-Owners	$315	$53
Grange	$315	$53
Travelers	$332	$56
SafeAuto	$349	$59
Farm Bureau	$425	$73
State Farm	$425	$72
Allstate	$739	$124
Farmers	$781	$130

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 American Family at $70 per month and $416 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hammond, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$416	$70
Auto-Owners Insurance Co	$578	$99
Westfield	$586	$97
Nationwide	$731	$123
Hastings Mutual	$815	$137
USAA	$832	$140
Hastings Insurance	$918	$153
Progressive	$968	$163
Travelers	$968	$163
Auto-Owners	$1095	$184
Farm Bureau	$1401	$233
State Farm	$1554	$262
Allstate	$1962	$330
Farmers	$2175	$370

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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	$549
40s	USAA	$515
50s	USAA	$488
60s	USAA	$508
70s	Buckeye Insurance Group	$542

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 $36 per month. At $5547 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$213	$36
American Family	$237	$40
Auto-Owners Insurance Co	$306	$51
Grange	$332	$56
USAA	$934	$157
Travelers	$1205	$203
Progressive	$1308	$220
Auto-Owners	$3210	$546
Allstate	$4187	$698
State Farm	$4434	$754
Farm Bureau	$4935	$822
Farmers	$5547	$944

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 $549 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 $340 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 $6353 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$340	$57
American Family	$356	$60
Nationwide	$399	$67
Grange	$425	$72
Progressive	$1087	$183
Travelers	$1095	$184
USAA	$1274	$217
Allstate	$1699	$286
Farm Bureau	$2871	$488
Auto-Owners	$3551	$592
Farmers	$3551	$603
State Farm	$6353	$1060

Escape the Trap of Rising Insurance Costs.

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 American Family and AutoOwners Insurance Co, offering $289 and $332, respectively. Allstate is an expensive provider with an average six-month premium of $3508.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$289	$49
Auto-Owners Insurance Co	$332	$56
Indiana Farmers	$340	$57
Grange	$373	$63
USAA	$654	$110
Travelers	$756	$127
Auto-Owners	$789	$133
Progressive	$807	$136
State Farm	$1104	$186
Farmers	$1733	$292
Farm Bureau	$2081	$347
Allstate	$3508	$596

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 $1078 for a six month policy. While the rate increases by $263 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	$1173	$196
One Med/PIP claim	$1173	$199
Not-at-fault accident	$1240	$207
Two Med/PIP claims	$1257	$213
One comp claim	$1266	$212
Failure to show documents	$1326	$226
Failure to wear a seat belt	$1334	$222
Two comp claims	$1343	$229
Child safety restraint	$1359	$226
Driving without lights	$1359	$232
Driving with expired registration	$1410	$235
Speeding 6 - 10 MPH over limit	$1436	$245
Driving too slowly	$1444	$240
Failure to yield	$1444	$246
Following too closely	$1444	$240
Illegal turn	$1444	$246
Speeding in school zone	$1444	$240
Cell phone violation	$1453	$247
Speeding 11 - 15 MPH over limit	$1453	$242
Texting while driving	$1453	$247
Wrong way/wrong lane	$1453	$242
Failure to stop at a red light	$1461	$249
Improper passing	$1470	$245
Speeding 16 - 20 MPH over limit	$1470	$250
At-fault accident - less than $1000	$1487	$247
Passing school bus	$1512	$257
Speeding 21 - 25 MPH over limit	$1589	$265
At-fault accident - $1000-$2000	$1639	$279
In 65 MPH zone	$1665	$277
At-fault accident - greater than $2000	$1673	$285
Operating a vehicle without permission	$1792	$299
Open container	$1809	$307
Racing	$2199	$366
Reckless driving	$2208	$376
Refusal to submit to a chemical test	$2234	$372
DUI	$2251	$383
Leaving scene of an accident/hit and run	$2294	$382
Driving with a suspended license	$2311	$393

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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 American Family at $289 for a six-month policy. However, it can be as expensive as $3898 with companies like Farmers.

Hammond car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$289	$49
Grange	$526	$90
Travelers	$798	$134
Progressive	$807	$136
USAA	$985	$166
Farm Bureau	$1639	$276
State Farm	$1656	$279
Allstate	$1809	$305
Auto-Owners	$2497	$420
Hastings Mutual	$2684	$456
Farmers	$3898	$649

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 $220. However, it can be as expensive as $2736 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	$220	$37
American Family	$289	$49
Auto-Owners Insurance Co	$306	$51
Travelers	$858	$144
Progressive	$875	$147
USAA	$875	$146
State Farm	$934	$157
Auto-Owners	$1266	$212
Farm Bureau	$1682	$286
Farmers	$2701	$450
Allstate	$2736	$465

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 rose by $223 in January compared to $192 of December. In other words, there has been an increase by $31 when you compare January and December.

The average cost of liability insurance in the Hammond rose to $59 in January, compared to $56 in December. This represents an increase of $3 when comparing January and December.

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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 $1242 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	$1242	$209
46323	$1413	$237
46324	$1403	$236
46320	$1274	$214

Frequently Asked Questions

How much is car insurance in Hammond?

The car insurance in Hammond is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Hammond?

The cheapest car insurance in Hammond is $70 per month for full coverage.

How much is car insurance in Hammond for teenagers?

Car insurance for teenagers costs $213 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 $749 for a six-month policy. It will cost around $180 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: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

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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Data Sources