Cheapest Car Insurance Quotes in Kingsford Heights

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Kingsford Heights Car Insurance

^$ 22

/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 Kingsford Heights

The car insurance rate in Kingsford Heights is $700 for a six-month policy, which is $33 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in Kingsford Heights 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 Kingsford Heights

$700

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Kingsford Heights

1st place: AutoOwners Insurance Co

At $424 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 $431 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $537 for six months, making it the third cheapest auto insurance company in Kingsford Heights.

Kingsford Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kingsford Heights, IN is AutoOwners Insurance Co, offering policies at just $424 for a six-month term. This is followed by Westfield, which has an average six-month premium of $431.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1298 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kingsford Heights drivers find the best deals.

Cheap Car Insurance Companies in Kingsford Heights, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$424	$70
Westfield	$431	$74
Nationwide	$537	$90
American Family	$555	$93
USAA	$592	$100
Hastings Mutual	$599	$101
Travelers	$662	$111
Hastings Insurance	$674	$114
Progressive	$692	$117
Auto-Owners	$717	$121
State Farm	$961	$162
Farm Bureau	$967	$165
Allstate	$1298	$218

Key Takeaways

Way's key takeaways about car insurance in Kingsford Heights

The auto insurance costs in Kingsford Heights fall around $424 for six months.
The cheapest auto insurance company in Kingsford Heights is Westfield.
Teen drivers pay the highest rate in Kingsford Heights at $576 per month.

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Cheapest Minimum Liability Car Insurance in Kingsford Heights

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 Kingsford Heights are given below.

Westfield provides the cheapest minimum car insurance coverage in Kingsford Heights. Their Average 6 Month Premium is $131. Farmers is the most expensive at $237 for the same period.

Cheapest Liability Coverage in Kingsford Heights, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$131	$22
USAA	$168	$28
Auto-Owners Insurance Co	$174	$29
Hastings Mutual	$187	$32
Indiana Farmers	$193	$33
American Family	$212	$36
Auto-Owners	$212	$36
Progressive	$225	$38
Grange	$231	$39
Travelers	$237	$40
SafeAuto	$256	$43
State Farm	$274	$46
Farm Bureau	$312	$54
Allstate	$511	$86
Farmers	$237	$40

Cheapest Full Coverage Car Insurance in Kingsford Heights

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 Kingsford Heights is AutoOwners Insurance Co at $70 per month and $424 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kingsford Heights, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$424	$70
Westfield	$431	$74
Nationwide	$537	$90
American Family	$555	$93
USAA	$592	$100
Hastings Mutual	$599	$101
Travelers	$662	$111
Hastings Insurance	$674	$114
Progressive	$692	$117
Auto-Owners	$717	$121
State Farm	$961	$162
Farm Bureau	$967	$165
Allstate	$1298	$218

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Average Car Insurance in Kingsford Heights 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 Kingsford Heights, IN increasing?

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

Car Insurance Premiums by Age in Kingsford Heights

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	$450
40s	USAA	$422
50s	USAA	$399
60s	USAA	$416
70s	Buckeye Insurance Group	$444

Cheapest Car Insurance Rates for Teen Drivers in Kingsford Heights,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Kingsford Heights at $26 per month. At $3393 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
Auto-Owners Insurance Co	$225	$38
Grange	$244	$41
USAA	$499	$84
Travelers	$755	$127
Progressive	$874	$147
American Family	$1521	$256
Auto-Owners	$2028	$338
State Farm	$2108	$358
Allstate	$2507	$418
Farm Bureau	$3393	$576

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 Kingsford Heights.

As young drivers face the highest rates in Kingsford Heights, USAA offers the cheapest auto insurance rates at $450 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 Kingsford Heights, Westfield is the cheapest car insurance provider. At $250 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 Kingsford Heights is State Farm, offering rates of around $3063 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$250	$42
Nationwide	$293	$49
Grange	$312	$53
Travelers	$692	$117
Progressive	$730	$123
USAA	$798	$135
American Family	$855	$144
Allstate	$1035	$174
Farm Bureau	$1971	$329
Auto-Owners	$2127	$361
State Farm	$3063	$510

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Kingsford Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Kingsford Heights

The cheapest car insurance companies after an at-fault accident in Kingsford Heights include AutoOwners Insurance Co and Indiana Farmers, offering $244 and $250, respectively. Allstate is an expensive provider with an average six-month premium of $2064.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$244	$41
Indiana Farmers	$250	$42
Grange	$274	$46
Farmers	$318	$55
USAA	$424	$71
Travelers	$492	$83
Auto-Owners	$505	$85
Progressive	$543	$91
State Farm	$580	$98
American Family	$792	$133
Farm Bureau	$1441	$240
Allstate	$2064	$351

Kingsford Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kingsford Heights IN. For example, the car insurance in Kingsford Heights after a DUI increases to $792 for a six month policy. While the rate increases by $193 for a six-month policy in the case of a speeding ticket.

Kingsford Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$861	$144
One Med/PIP claim	$861	$146
Not-at-fault accident	$910	$152
Two Med/PIP claims	$923	$156
One comp claim	$929	$155
Failure to show documents	$973	$166
Failure to wear a seat belt	$980	$163
Two comp claims	$986	$168
Child safety restraint	$998	$166
Driving without lights	$998	$170
Driving with expired registration	$1035	$172
Speeding 6 - 10 MPH over limit	$1054	$180
Driving too slowly	$1061	$176
Failure to yield	$1061	$181
Following too closely	$1061	$176
Illegal turn	$1061	$181
Speeding in school zone	$1061	$176
Cell phone violation	$1067	$182
Speeding 11 - 15 MPH over limit	$1067	$177
Texting while driving	$1067	$182
Wrong way/wrong lane	$1067	$177
Failure to stop at a red light	$1073	$183
Improper passing	$1079	$180
Speeding 16 - 20 MPH over limit	$1079	$184
At-fault accident - less than $1000	$1092	$182
Passing school bus	$1110	$189
Speeding 21 - 25 MPH over limit	$1167	$194
At-fault accident - $1000-$2000	$1203	$205
In 65 MPH zone	$1222	$204
At-fault accident - greater than $2000	$1229	$209
Operating a vehicle without permission	$1316	$219
Open container	$1328	$226
Racing	$1615	$269
Reckless driving	$1621	$276
Refusal to submit to a chemical test	$1640	$273
DUI	$1653	$281
Leaving scene of an accident/hit and run	$1684	$280
Driving with a suspended license	$1697	$289

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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 Kingsford Heights 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 Kingsford Heights.

The cheapest car insurance premiums in Kingsford Heights are offered by Grange at $386 for a six-month policy. However, it can be as expensive as $1971 with companies like Hastings Mutual.

Kingsford Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$386	$64
Travelers	$518	$87
Progressive	$562	$95
USAA	$617	$104
American Family	$861	$145
State Farm	$1004	$169
Farm Bureau	$1148	$193
Allstate	$1197	$202
Auto-Owners	$1615	$272
Hastings Mutual	$1971	$335

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 Kingsford Heights are offered by Westfield at $162. However, it can be as expensive as $1615 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kingsford Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
Auto-Owners Insurance Co	$225	$38
State Farm	$492	$83
Travelers	$537	$90
USAA	$549	$93
American Family	$562	$95
Progressive	$586	$99
Auto-Owners	$755	$126
Farm Bureau	$1160	$197
Allstate	$1615	$269

Car Insurance Price Trends in Kingsford Heights, Indiana

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

The average cost of full coverage in the Kingsford Heights remained steady at $141 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Kingsford Heights remained steady at $41 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Kingsford Heights?

The car insurance in Kingsford Heights is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Kingsford Heights?

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

How much is car insurance in Kingsford Heights for teenagers?

Car insurance for teenagers costs $156 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 Kingsford Heights?

The average cost of car insurance is $667 for a six-month policy. It will cost around $118 per month to insure your car in Kingsford Heights.

Is car insurance expensive in Kingsford Heights?

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

Cheapest Car Insurance Quotes in Kingsford Heights

Why you can trust Way?

How Much Is Car Insurance in Kingsford Heights

Avg. Car Insurance in Kingsford Heights

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Kingsford Heights

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Kingsford Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Kingsford Heights, IN

Way's key takeaways about car insurance in Kingsford Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kingsford Heights

Cheapest Liability Coverage in Kingsford Heights, IN

Cheapest Full Coverage Car Insurance in Kingsford Heights

Cheapest Full Coverage Car Insurance Quotes in Kingsford Heights, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kingsford Heights by Rating Factor

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

Car Insurance Premiums by Age in Kingsford Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kingsford Heights,IN

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

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 Kingsford Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Kingsford Heights

Kingsford Heights Car Insurance Rates by Violation

Kingsford Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kingsford Heights after a DUI

Kingsford Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kingsford Heights after Speeding ticket

Car Insurance Price Trends in Kingsford Heights, Indiana

Average Car Insurance Cost in Kingsford Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kingsford Heights, IN

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

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