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Leroy Car Insurance
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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.
The car insurance rate in Leroy is $869 for a six-month policy, which is $120 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $338, making it a popular choice for budget-conscious drivers. Rates in Leroy 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 $338 for a six month policy, American Family offers the cheapest auto insurance rates in the city.
AutoOwners Insurance Co offers auto insurance rates at $469 for a six-month policy, making it one of the cheapest to insure with.
Westfield offers auto insurance rates at $476 for six months, making it the third cheapest auto insurance company in Leroy.
Based on our research, the cheapest car insurance company in Leroy, IN is American Family, offering policies at just $338 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $469.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1764 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Leroy drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $338 | $57 |
| Auto-Owners Insurance Co | $469 | $80 |
| Westfield | $476 | $79 |
| Nationwide | $593 | $100 |
| Hastings Mutual | $661 | $111 |
| USAA | $675 | $114 |
| Hastings Insurance | $745 | $124 |
| Progressive | $785 | $132 |
| Travelers | $785 | $132 |
| Auto-Owners | $889 | $150 |
| Farm Bureau | $1137 | $189 |
| State Farm | $1261 | $212 |
| Allstate | $1592 | $268 |
| Farmers | $1764 | $300 |
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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 Leroy are given below.
Westfield provides the cheapest minimum car insurance coverage in Leroy. Their Average 6 Month Premium is $145. Farmers is the most expensive at $633 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $145 | $24 |
| American Family | $186 | $31 |
| Auto-Owners Insurance Co | $193 | $32 |
| USAA | $193 | $32 |
| Hastings Mutual | $206 | $35 |
| Indiana Farmers | $213 | $36 |
| Progressive | $248 | $42 |
| Auto-Owners | $255 | $43 |
| Grange | $255 | $43 |
| Travelers | $269 | $45 |
| SafeAuto | $283 | $48 |
| Farm Bureau | $345 | $59 |
| State Farm | $345 | $58 |
| Allstate | $600 | $101 |
| Farmers | $633 | $106 |
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 Leroy is American Family at $57 per month and $338 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $338 | $57 |
| Auto-Owners Insurance Co | $469 | $80 |
| Westfield | $476 | $79 |
| Nationwide | $593 | $100 |
| Hastings Mutual | $661 | $111 |
| USAA | $675 | $114 |
| Hastings Insurance | $745 | $124 |
| Progressive | $785 | $132 |
| Travelers | $785 | $132 |
| Auto-Owners | $889 | $150 |
| Farm Bureau | $1137 | $189 |
| State Farm | $1261 | $212 |
| Allstate | $1592 | $268 |
| Farmers | $1764 | $300 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Leroy, 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, Leroy's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 30s | USAA | $445 |
| 40s | USAA | $418 |
| 50s | USAA | $396 |
| 60s | USAA | $412 |
| 70s | Buckeye Insurance Group | $440 |
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Leroy at $29 per month. At $4500 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $173 | $29 |
| American Family | $193 | $32 |
| Auto-Owners Insurance Co | $248 | $42 |
| Grange | $269 | $45 |
| USAA | $757 | $128 |
| Travelers | $978 | $165 |
| Progressive | $1061 | $179 |
| Auto-Owners | $2604 | $443 |
| Allstate | $3396 | $566 |
| State Farm | $3597 | $611 |
| Farm Bureau | $4003 | $667 |
| Farmers | $4500 | $766 |
Teen Car Insurance Rates in IN by Age
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.
For those with poor credit scores in Leroy, Westfield is the cheapest car insurance provider. At $276 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 Leroy is State Farm, offering rates of around $5154 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $276 | $46 |
| American Family | $289 | $49 |
| Nationwide | $324 | $55 |
| Grange | $345 | $58 |
| Progressive | $882 | $148 |
| Travelers | $889 | $150 |
| USAA | $1034 | $176 |
| Allstate | $1378 | $232 |
| Farm Bureau | $2329 | $396 |
| Auto-Owners | $2880 | $480 |
| Farmers | $2880 | $490 |
| State Farm | $5154 | $860 |
Save up to $971/yr on car insurance rates in Leroy.
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 Leroy, IN, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Leroy include American Family and AutoOwners Insurance Co, offering $234 and $269, respectively. Allstate is an expensive provider with an average six-month premium of $2845.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $234 | $39 |
| Auto-Owners Insurance Co | $269 | $45 |
| Indiana Farmers | $276 | $46 |
| Grange | $303 | $51 |
| USAA | $530 | $89 |
| Travelers | $614 | $103 |
| Auto-Owners | $640 | $108 |
| Progressive | $654 | $110 |
| State Farm | $896 | $151 |
| Farmers | $1406 | $237 |
| Farm Bureau | $1688 | $282 |
| Allstate | $2845 | $484 |
Here is a list of driving violations that can increase your car insurance rates in Leroy IN. For example, the car insurance in Leroy after a DUI increases to $875 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $951 | $159 |
| One Med/PIP claim | $951 | $161 |
| Not-at-fault accident | $1006 | $168 |
| Two Med/PIP claims | $1020 | $173 |
| One comp claim | $1027 | $172 |
| Failure to show documents | $1075 | $183 |
| Failure to wear a seat belt | $1082 | $180 |
| Two comp claims | $1089 | $186 |
| Child safety restraint | $1102 | $183 |
| Driving without lights | $1102 | $188 |
| Driving with expired registration | $1144 | $190 |
| Speeding 6 - 10 MPH over limit | $1165 | $198 |
| Driving too slowly | $1172 | $195 |
| Failure to yield | $1172 | $200 |
| Following too closely | $1172 | $195 |
| Illegal turn | $1172 | $200 |
| Speeding in school zone | $1172 | $195 |
| Cell phone violation | $1179 | $201 |
| Speeding 11 - 15 MPH over limit | $1179 | $196 |
| Texting while driving | $1179 | $201 |
| Wrong way/wrong lane | $1179 | $196 |
| Failure to stop at a red light | $1186 | $202 |
| Improper passing | $1192 | $198 |
| Speeding 16 - 20 MPH over limit | $1192 | $203 |
| At-fault accident - less than $1000 | $1206 | $201 |
| Passing school bus | $1226 | $209 |
| Speeding 21 - 25 MPH over limit | $1289 | $215 |
| At-fault accident - $1000-$2000 | $1329 | $226 |
| In 65 MPH zone | $1350 | $225 |
| At-fault accident - greater than $2000 | $1357 | $231 |
| Operating a vehicle without permission | $1453 | $242 |
| Open container | $1467 | $249 |
| Racing | $1784 | $297 |
| Reckless driving | $1791 | $305 |
| Refusal to submit to a chemical test | $1812 | $302 |
| DUI | $1826 | $311 |
| Leaving scene of an accident/hit and run | $1861 | $310 |
| Driving with a suspended license | $1875 | $319 |
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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.
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 Leroy.
The cheapest car insurance premiums in Leroy are offered by American Family at $234 for a six-month policy. However, it can be as expensive as $3162 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $234 | $39 |
| Grange | $427 | $73 |
| Travelers | $647 | $109 |
| Progressive | $654 | $110 |
| USAA | $799 | $135 |
| Farm Bureau | $1329 | $224 |
| State Farm | $1343 | $226 |
| Allstate | $1467 | $247 |
| Auto-Owners | $2025 | $341 |
| Hastings Mutual | $2177 | $370 |
| Farmers | $3162 | $527 |
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 Leroy are offered by Westfield at $179. However, it can be as expensive as $2219 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $179 | $30 |
| American Family | $234 | $39 |
| Auto-Owners Insurance Co | $248 | $42 |
| Travelers | $696 | $117 |
| Progressive | $710 | $119 |
| USAA | $710 | $118 |
| State Farm | $757 | $128 |
| Auto-Owners | $1027 | $172 |
| Farm Bureau | $1364 | $232 |
| Farmers | $2191 | $365 |
| Allstate | $2219 | $377 |
Car insurance rates in Leroy have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Leroy rose by $181 in January compared to $155 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 Leroy rose to $48 in January, compared to $45 in December. This represents an increase of $3 when comparing January and December.
How much is car insurance in Leroy?
The car insurance in Leroy is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Leroy?
The cheapest car insurance in Leroy is $57 per month for full coverage.
How much is car insurance in Leroy for teenagers?
Car insurance for teenagers costs $173 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 Leroy?
The average cost of car insurance is $749 for a six-month policy. It will cost around $146 per month to insure your car in Leroy.
Is car insurance expensive in Leroy?
Car insurance can be expensive in Leroy if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Leroy can be affordable.
What is the best car insurance in Leroy, IN?
The best car insurance company in Leroy IN is American Family, offering $338 for a six-month policy.
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