Cheapest Car Insurance Quotes in Homecroft

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406,175 Policies Sold

Homecroft 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 Homecroft

The car insurance rate in Homecroft is $944 for a six-month policy, which is $195 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $367, making it a popular choice for budget-conscious drivers. Rates in Homecroft 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 Homecroft

$944

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Homecroft

1st place: American Family

At $367 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 $509 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $517 for six months, making it the third cheapest auto insurance company in Homecroft.

Homecroft Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Homecroft, IN is American Family, offering policies at just $367 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $509.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1916 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Homecroft drivers find the best deals.

Cheap Car Insurance Companies in Homecroft, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$367	$62
Auto-Owners Insurance Co	$509	$87
Westfield	$517	$86
Nationwide	$644	$108
Hastings Mutual	$718	$121
USAA	$733	$123
Hastings Insurance	$809	$135
Progressive	$853	$144
Travelers	$853	$144
Auto-Owners	$965	$163
Farm Bureau	$1235	$205
State Farm	$1370	$231
Allstate	$1729	$291
Farmers	$1916	$326

Key Takeaways

Way's key takeaways about car insurance in Homecroft

The auto insurance costs in Homecroft fall around $367 for six months.
The cheapest auto insurance company in Homecroft is Westfield.
Teen drivers pay the highest rate in Homecroft at $832 per month.

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Cheapest Minimum Liability Car Insurance in Homecroft

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 Homecroft are given below.

Westfield provides the cheapest minimum car insurance coverage in Homecroft. Their Average 6 Month Premium is $158. Farmers is the most expensive at $688 for the same period.

Cheapest Liability Coverage in Homecroft, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$158	$26
American Family	$202	$34
Auto-Owners Insurance Co	$209	$35
USAA	$209	$35
Hastings Mutual	$224	$38
Indiana Farmers	$232	$39
Progressive	$270	$45
Auto-Owners	$277	$47
Grange	$277	$47
Travelers	$292	$49
SafeAuto	$307	$52
Farm Bureau	$374	$64
State Farm	$374	$63
Allstate	$651	$110
Farmers	$688	$115

Cheapest Full Coverage Car Insurance in Homecroft

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 Homecroft is American Family at $62 per month and $367 for six months.

Cheapest Full Coverage Car Insurance Quotes in Homecroft, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$367	$62
Auto-Owners Insurance Co	$509	$87
Westfield	$517	$86
Nationwide	$644	$108
Hastings Mutual	$718	$121
USAA	$733	$123
Hastings Insurance	$809	$135
Progressive	$853	$144
Travelers	$853	$144
Auto-Owners	$965	$163
Farm Bureau	$1235	$205
State Farm	$1370	$231
Allstate	$1729	$291
Farmers	$1916	$326

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Average Car Insurance in Homecroft 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 Homecroft, IN increasing?

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

Car Insurance Premiums by Age in Homecroft

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	$484
40s	USAA	$454
50s	USAA	$430
60s	USAA	$447
70s	Buckeye Insurance Group	$478

Cheapest Car Insurance Rates for Teen Drivers in Homecroft,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Homecroft at $32 per month. At $4888 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$188	$32
American Family	$209	$35
Auto-Owners Insurance Co	$270	$45
Grange	$292	$49
USAA	$823	$139
Travelers	$1062	$179
Progressive	$1153	$194
Auto-Owners	$2829	$481
Allstate	$3689	$615
State Farm	$3907	$664
Farm Bureau	$4348	$725
Farmers	$4888	$832

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 Homecroft.

As young drivers face the highest rates in Homecroft, USAA offers the cheapest auto insurance rates at $484 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 Homecroft, Westfield is the cheapest car insurance provider. At $300 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 Homecroft is State Farm, offering rates of around $5598 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$300	$50
American Family	$314	$53
Nationwide	$352	$59
Grange	$374	$63
Progressive	$958	$161
Travelers	$965	$163
USAA	$1123	$192
Allstate	$1497	$252
Farm Bureau	$2530	$430
Auto-Owners	$3129	$522
Farmers	$3129	$532
State Farm	$5598	$934

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

Car Insurance Rates with An Accident in Homecroft

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

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

The cheapest car insurance companies after an at-fault accident in Homecroft include American Family and AutoOwners Insurance Co, offering $255 and $292, respectively. Allstate is an expensive provider with an average six-month premium of $3091.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$255	$43
Auto-Owners Insurance Co	$292	$49
Indiana Farmers	$300	$50
Grange	$329	$55
USAA	$576	$97
Travelers	$667	$112
Auto-Owners	$696	$117
Progressive	$711	$120
State Farm	$973	$164
Farmers	$1527	$257
Farm Bureau	$1833	$306
Allstate	$3091	$525

Homecroft Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Homecroft IN. For example, the car insurance in Homecroft after a DUI increases to $950 for a six month policy. While the rate increases by $232 for a six-month policy in the case of a speeding ticket.

Homecroft auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1033	$173
One Med/PIP claim	$1033	$175
Not-at-fault accident	$1092	$183
Two Med/PIP claims	$1108	$188
One comp claim	$1115	$186
Failure to show documents	$1168	$199
Failure to wear a seat belt	$1176	$195
Two comp claims	$1183	$202
Child safety restraint	$1197	$199
Driving without lights	$1197	$204
Driving with expired registration	$1242	$207
Speeding 6 - 10 MPH over limit	$1265	$215
Driving too slowly	$1273	$212
Failure to yield	$1273	$217
Following too closely	$1273	$212
Illegal turn	$1273	$217
Speeding in school zone	$1273	$212
Cell phone violation	$1280	$218
Speeding 11 - 15 MPH over limit	$1280	$213
Texting while driving	$1280	$218
Wrong way/wrong lane	$1280	$213
Failure to stop at a red light	$1288	$219
Improper passing	$1295	$215
Speeding 16 - 20 MPH over limit	$1295	$221
At-fault accident - less than $1000	$1310	$218
Passing school bus	$1332	$227
Speeding 21 - 25 MPH over limit	$1400	$233
At-fault accident - $1000-$2000	$1444	$246
In 65 MPH zone	$1467	$244
At-fault accident - greater than $2000	$1474	$251
Operating a vehicle without permission	$1579	$263
Open container	$1594	$271
Racing	$1938	$323
Reckless driving	$1945	$331
Refusal to submit to a chemical test	$1968	$328
DUI	$1983	$338
Leaving scene of an accident/hit and run	$2021	$336
Driving with a suspended license	$2036	$347

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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 Homecroft 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 Homecroft.

The cheapest car insurance premiums in Homecroft are offered by American Family at $255 for a six-month policy. However, it can be as expensive as $3435 with companies like Farmers.

Homecroft car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$255	$43
Grange	$464	$79
Travelers	$703	$118
Progressive	$711	$120
USAA	$868	$146
Farm Bureau	$1444	$243
State Farm	$1459	$246
Allstate	$1594	$268
Auto-Owners	$2200	$370
Hastings Mutual	$2365	$402
Farmers	$3435	$572

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 Homecroft are offered by Westfield at $194. However, it can be as expensive as $2410 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Homecroft after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$194	$33
American Family	$255	$43
Auto-Owners Insurance Co	$270	$45
Travelers	$756	$127
Progressive	$771	$130
USAA	$771	$129
State Farm	$823	$139
Auto-Owners	$1115	$186
Farm Bureau	$1482	$252
Farmers	$2380	$397
Allstate	$2410	$410

Car Insurance Price Trends in Homecroft, Indiana

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

The average cost of full coverage in the Homecroft rose by $197 in January compared to $169 of December. In other words, there has been an increase by $28 when you compare January and December.

The average cost of liability insurance in the Homecroft rose to $52 in January, compared to $49 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 Homecroft?

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

What is the cheapest car insurance in Homecroft?

The cheapest car insurance in Homecroft is $62 per month for full coverage.

How much is car insurance in Homecroft for teenagers?

Car insurance for teenagers costs $188 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 Homecroft?

The average cost of car insurance is $749 for a six-month policy. It will cost around $159 per month to insure your car in Homecroft.

Is car insurance expensive in Homecroft?

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

Cheapest Car Insurance Quotes in Homecroft

Why you can trust Way?

How Much Is Car Insurance in Homecroft

Avg. Car Insurance in Homecroft

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Homecroft

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Homecroft Car Insurance Rates by Company

Cheap Car Insurance Companies in Homecroft, IN

Way's key takeaways about car insurance in Homecroft

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Homecroft

Cheapest Liability Coverage in Homecroft, IN

Cheapest Full Coverage Car Insurance in Homecroft

Cheapest Full Coverage Car Insurance Quotes in Homecroft, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Homecroft by Rating Factor

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

Car Insurance Premiums by Age in Homecroft

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Homecroft,IN

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

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 Homecroft

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

Homecroft Car Insurance Rates by Violation

Homecroft auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Homecroft after a DUI

Homecroft car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Homecroft after Speeding ticket

Car Insurance Price Trends in Homecroft, Indiana

Average Car Insurance Cost in Homecroft by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Homecroft, IN

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

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