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Finding the cheapest car insurance quotes in Koleen shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Koleen
The car insurance rate in Koleen is $876 for a six-month policy, which is $127 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $340, making it a popular choice for budget-conscious drivers. Rates in Koleen 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.
At $340 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 $473 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $480
for six months, making it
the third cheapest auto insurance company in Koleen.
Koleen Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Koleen, IN is American Family, offering policies at just $340 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $473.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1780 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Koleen drivers find the best deals.
The auto insurance costs in Koleen fall around $340 for six
months.
The cheapest auto insurance company in Koleen is Westfield.
Teen drivers pay the highest rate in Koleen at $772 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 Koleen
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 Koleen are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Koleen. Their Average 6 Month Premium is $146.
Farmers is the most
expensive at $639 for the same
period.
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 Koleen is American Family
at $57 per month and $340
for six months.
Cheapest Full Coverage Car Insurance Quotes in Koleen,
IN
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 Koleen, IN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Koleen, 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, Koleen's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Koleen
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
$449
40s
USAA
$421
50s
USAA
$399
60s
USAA
$415
70s
Buckeye Insurance Group
$443
Cheapest Car Insurance Rates for Teen Drivers in
Koleen,IN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Koleen at $29
per
month. At $4538 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Koleen.
As young drivers face the highest rates in Koleen, USAA
offers the cheapest auto insurance rates at $449 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 Koleen,
Westfield is
the cheapest car insurance provider. At $278 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
Koleen is State Farm, offering
rates of around $5198 for six
months.
Save up to $971/yr on car insurance rates in Koleen.
Car Insurance Rates with An Accident in Koleen
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 Koleen, IN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Koleen
The cheapest car insurance companies after an at-fault accident in
Koleen include American Family
and AutoOwners Insurance Co, offering $236
and $271,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2870.
Here is a list of driving violations that can increase your car
insurance rates in Koleen IN. For example, the car
insurance in Koleen
after a DUI increases to $883 for a six
month policy. While the rate increases by $216 for a six-month policy in the case of
a speeding ticket.
Koleen auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$959
$160
One Med/PIP claim
$959
$163
Not-at-fault accident
$1014
$170
Two Med/PIP claims
$1028
$174
One comp claim
$1035
$173
Failure to show documents
$1085
$185
Failure to wear a seat belt
$1092
$181
Two comp claims
$1099
$187
Child safety restraint
$1112
$185
Driving without lights
$1112
$190
Driving with expired registration
$1154
$192
Speeding 6 - 10 MPH over limit
$1175
$200
Driving too slowly
$1182
$197
Failure to yield
$1182
$201
Following too closely
$1182
$197
Illegal turn
$1182
$201
Speeding in school zone
$1182
$197
Cell phone violation
$1189
$202
Speeding 11 - 15 MPH over limit
$1189
$198
Texting while driving
$1189
$202
Wrong way/wrong lane
$1189
$198
Failure to stop at a red light
$1196
$204
Improper passing
$1203
$200
Speeding 16 - 20 MPH over limit
$1203
$205
At-fault accident - less than $1000
$1217
$202
Passing school bus
$1237
$211
Speeding 21 - 25 MPH over limit
$1300
$216
At-fault accident - $1000-$2000
$1341
$228
In 65 MPH zone
$1362
$227
At-fault accident - greater than $2000
$1369
$233
Operating a vehicle without permission
$1466
$245
Open container
$1480
$252
Racing
$1799
$300
Reckless driving
$1806
$308
Refusal to submit to a chemical test
$1828
$304
DUI
$1842
$314
Leaving scene of an accident/hit and run
$1877
$312
Driving with a suspended license
$1891
$322
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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 Koleen 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 Koleen.
The cheapest car insurance premiums in
Koleen are
offered by American Family at $236 for a six-month policy.
However, it can be as
expensive as $3189 with companies
like Farmers.
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 Koleen are offered by Westfield
at $180. However,
it can be as expensive as $2238
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Koleen after Speeding ticket
Car insurance rates in Koleen have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Koleen rose by
$183 in January
compared to $157 of December. In other words, there has been an increase by $26 when you
compare January and December.
The average cost of liability insurance in the Koleen rose to $48 in January,
compared to $46 in December.
This represents an increase of $2
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Koleen. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Koleen?
The car insurance in Koleen is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Koleen?
The cheapest car insurance in Koleen
is $57 per month
for full coverage.
How much is car insurance in Koleen for teenagers?
Car insurance for teenagers costs $174 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
Koleen?
The average cost of car insurance is $749 for a six-month
policy. It will cost around $147 per month to insure your
car in Koleen.
Is car insurance expensive in Koleen?
Car insurance can be expensive in Koleen if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Koleen can be
affordable.
What is the best car insurance in Koleen,
IN?
The best car insurance company in Koleen
IN is
American Family, offering $340 for a
six-month policy.
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Car Insurance Rates by State in the USA (2025 Update)
Koleen Car Insurance
