Cheapest Car Insurance Quotes in Hobart

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Hobart Car Insurance

^$ 26

/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 Hobart

The car insurance rate in Hobart is $929 for a six-month policy, which is $180 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $361, making it a popular choice for budget-conscious drivers. Rates in Hobart 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 Hobart

$929

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Hobart

1st place: American Family

At $361 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 $501 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $508 for six months, making it the third cheapest auto insurance company in Hobart.

Hobart Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hobart, IN is American Family, offering policies at just $361 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $501.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1886 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hobart drivers find the best deals.

Cheap Car Insurance Companies in Hobart, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$361	$61
Auto-Owners Insurance Co	$501	$86
Westfield	$508	$84
Nationwide	$634	$107
Hastings Mutual	$707	$119
USAA	$722	$122
Hastings Insurance	$796	$133
Progressive	$839	$141
Travelers	$839	$141
Auto-Owners	$950	$160
Farm Bureau	$1215	$202
State Farm	$1348	$227
Allstate	$1701	$286
Farmers	$1886	$321

Key Takeaways

Way's key takeaways about car insurance in Hobart

The auto insurance costs in Hobart fall around $361 for six months.
The cheapest auto insurance company in Hobart is Westfield.
Teen drivers pay the highest rate in Hobart at $818 per month.

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Cheapest Minimum Liability Car Insurance in Hobart

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 Hobart are given below.

Westfield provides the cheapest minimum car insurance coverage in Hobart. Their Average 6 Month Premium is $155. Farmers is the most expensive at $677 for the same period.

Cheapest Liability Coverage in Hobart, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$155	$26
American Family	$198	$33
Auto-Owners Insurance Co	$206	$35
USAA	$206	$35
Hastings Mutual	$221	$37
Indiana Farmers	$228	$38
Progressive	$265	$45
Auto-Owners	$273	$46
Grange	$273	$46
Travelers	$288	$48
SafeAuto	$303	$51
Farm Bureau	$368	$63
State Farm	$368	$62
Allstate	$641	$108
Farmers	$677	$113

Cheapest Full Coverage Car Insurance in Hobart

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 Hobart is American Family at $61 per month and $361 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hobart, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$361	$61
Auto-Owners Insurance Co	$501	$86
Westfield	$508	$84
Nationwide	$634	$107
Hastings Mutual	$707	$119
USAA	$722	$122
Hastings Insurance	$796	$133
Progressive	$839	$141
Travelers	$839	$141
Auto-Owners	$950	$160
Farm Bureau	$1215	$202
State Farm	$1348	$227
Allstate	$1701	$286
Farmers	$1886	$321

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Average Car Insurance in Hobart 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 Hobart, IN increasing?

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

Car Insurance Premiums by Age in Hobart

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	$476
40s	USAA	$446
50s	USAA	$423
60s	USAA	$440
70s	Buckeye Insurance Group	$470

Cheapest Car Insurance Rates for Teen Drivers in Hobart,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hobart at $31 per month. At $4810 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$185	$31
American Family	$206	$35
Auto-Owners Insurance Co	$265	$45
Grange	$288	$48
USAA	$810	$136
Travelers	$1045	$176
Progressive	$1135	$191
Auto-Owners	$2784	$474
Allstate	$3631	$605
State Farm	$3845	$653
Farm Bureau	$4279	$713
Farmers	$4810	$818

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 Hobart.

As young drivers face the highest rates in Hobart, USAA offers the cheapest auto insurance rates at $476 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 Hobart, Westfield is the cheapest car insurance provider. At $295 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 Hobart is State Farm, offering rates of around $5509 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$295	$50
American Family	$309	$52
Nationwide	$346	$58
Grange	$368	$62
Progressive	$942	$159
Travelers	$950	$160
USAA	$1105	$188
Allstate	$1473	$248
Farm Bureau	$2490	$423
Auto-Owners	$3079	$513
Farmers	$3079	$523
State Farm	$5509	$919

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Car Insurance Rates with An Accident in Hobart

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

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

The cheapest car insurance companies after an at-fault accident in Hobart include American Family and AutoOwners Insurance Co, offering $250 and $288, respectively. Allstate is an expensive provider with an average six-month premium of $3042.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$250	$42
Auto-Owners Insurance Co	$288	$48
Indiana Farmers	$295	$50
Grange	$324	$55
USAA	$567	$95
Travelers	$656	$110
Auto-Owners	$684	$115
Progressive	$699	$118
State Farm	$957	$161
Farmers	$1503	$253
Farm Bureau	$1804	$301
Allstate	$3042	$517

Hobart Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hobart IN. For example, the car insurance in Hobart after a DUI increases to $935 for a six month policy. While the rate increases by $228 for a six-month policy in the case of a speeding ticket.

Hobart auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1017	$170
One Med/PIP claim	$1017	$172
Not-at-fault accident	$1075	$180
Two Med/PIP claims	$1090	$185
One comp claim	$1097	$184
Failure to show documents	$1149	$196
Failure to wear a seat belt	$1157	$192
Two comp claims	$1164	$198
Child safety restraint	$1178	$196
Driving without lights	$1178	$201
Driving with expired registration	$1223	$203
Speeding 6 - 10 MPH over limit	$1245	$212
Driving too slowly	$1252	$208
Failure to yield	$1252	$213
Following too closely	$1252	$208
Illegal turn	$1252	$213
Speeding in school zone	$1252	$208
Cell phone violation	$1260	$215
Speeding 11 - 15 MPH over limit	$1260	$210
Texting while driving	$1260	$215
Wrong way/wrong lane	$1260	$210
Failure to stop at a red light	$1267	$216
Improper passing	$1275	$212
Speeding 16 - 20 MPH over limit	$1275	$217
At-fault accident - less than $1000	$1290	$215
Passing school bus	$1311	$223
Speeding 21 - 25 MPH over limit	$1378	$229
At-fault accident - $1000-$2000	$1421	$242
In 65 MPH zone	$1443	$241
At-fault accident - greater than $2000	$1451	$247
Operating a vehicle without permission	$1554	$259
Open container	$1569	$267
Racing	$1907	$317
Reckless driving	$1915	$326
Refusal to submit to a chemical test	$1937	$322
DUI	$1952	$332
Leaving scene of an accident/hit and run	$1989	$331
Driving with a suspended license	$2004	$341

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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 Hobart 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 Hobart.

The cheapest car insurance premiums in Hobart are offered by American Family at $250 for a six-month policy. However, it can be as expensive as $3380 with companies like Farmers.

Hobart car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$250	$42
Grange	$456	$78
Travelers	$692	$117
Progressive	$699	$118
USAA	$854	$144
Farm Bureau	$1421	$239
State Farm	$1436	$242
Allstate	$1569	$264
Auto-Owners	$2165	$365
Hastings Mutual	$2327	$396
Farmers	$3380	$563

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 Hobart are offered by Westfield at $191. However, it can be as expensive as $2372 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hobart after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$191	$32
American Family	$250	$42
Auto-Owners Insurance Co	$265	$45
Travelers	$744	$125
Progressive	$759	$128
USAA	$759	$126
State Farm	$810	$136
Auto-Owners	$1097	$184
Farm Bureau	$1458	$248
Farmers	$2342	$391
Allstate	$2372	$403

Car Insurance Price Trends in Hobart, Indiana

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

The average cost of full coverage in the Hobart rose by $193 in January compared to $166 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Hobart rose to $51 in January, compared to $48 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hobart?

The car insurance in Hobart is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Hobart?

The cheapest car insurance in Hobart is $61 per month for full coverage.

How much is car insurance in Hobart for teenagers?

Car insurance for teenagers costs $185 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 Hobart?

The average cost of car insurance is $749 for a six-month policy. It will cost around $156 per month to insure your car in Hobart.

Is car insurance expensive in Hobart?

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

Cheapest Car Insurance Quotes in Hobart

Why you can trust Way?

How Much Is Car Insurance in Hobart

Avg. Car Insurance in Hobart

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Hobart

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Hobart Car Insurance Rates by Company

Cheap Car Insurance Companies in Hobart, IN

Way's key takeaways about car insurance in Hobart

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hobart

Cheapest Liability Coverage in Hobart, IN

Cheapest Full Coverage Car Insurance in Hobart

Cheapest Full Coverage Car Insurance Quotes in Hobart, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hobart by Rating Factor

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

Car Insurance Premiums by Age in Hobart

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hobart,IN

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

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 Hobart

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

Hobart Car Insurance Rates by Violation

Hobart auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hobart after a DUI

Hobart car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hobart after Speeding ticket

Car Insurance Price Trends in Hobart, Indiana

Average Car Insurance Cost in Hobart by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hobart, IN

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

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