Cheapest Car Insurance Quotes in Merrillville

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Merrillville Car Insurance

^$ 27

/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 Merrillville

The car insurance rate in Merrillville is $951 for a six-month policy, which is $202 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $370, making it a popular choice for budget-conscious drivers. Rates in Merrillville 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 Merrillville

$951

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Merrillville

1st place: American Family

At $370 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 $513 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $521 for six months, making it the third cheapest auto insurance company in Merrillville.

Merrillville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Merrillville, IN is American Family, offering policies at just $370 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $513.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1932 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Merrillville drivers find the best deals.

Cheap Car Insurance Companies in Merrillville, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$370	$62
Auto-Owners Insurance Co	$513	$88
Westfield	$521	$86
Nationwide	$649	$109
Hastings Mutual	$724	$122
USAA	$739	$124
Hastings Insurance	$815	$136
Progressive	$860	$145
Travelers	$860	$145
Auto-Owners	$973	$164
Farm Bureau	$1245	$207
State Farm	$1380	$232
Allstate	$1742	$293
Farmers	$1932	$329

Key Takeaways

Way's key takeaways about car insurance in Merrillville

The auto insurance costs in Merrillville fall around $370 for six months.
The cheapest auto insurance company in Merrillville is Westfield.
Teen drivers pay the highest rate in Merrillville at $838 per month.

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Cheapest Minimum Liability Car Insurance in Merrillville

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 Merrillville are given below.

Westfield provides the cheapest minimum car insurance coverage in Merrillville. Their Average 6 Month Premium is $159. Farmers is the most expensive at $693 for the same period.

Cheapest Liability Coverage in Merrillville, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$159	$27
American Family	$203	$34
Auto-Owners Insurance Co	$211	$36
USAA	$211	$36
Hastings Mutual	$226	$38
Indiana Farmers	$234	$39
Progressive	$272	$46
Auto-Owners	$279	$47
Grange	$279	$47
Travelers	$295	$50
SafeAuto	$310	$52
Farm Bureau	$377	$65
State Farm	$377	$64
Allstate	$657	$110
Farmers	$693	$116

Cheapest Full Coverage Car Insurance in Merrillville

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 Merrillville is American Family at $62 per month and $370 for six months.

Cheapest Full Coverage Car Insurance Quotes in Merrillville, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$370	$62
Auto-Owners Insurance Co	$513	$88
Westfield	$521	$86
Nationwide	$649	$109
Hastings Mutual	$724	$122
USAA	$739	$124
Hastings Insurance	$815	$136
Progressive	$860	$145
Travelers	$860	$145
Auto-Owners	$973	$164
Farm Bureau	$1245	$207
State Farm	$1380	$232
Allstate	$1742	$293
Farmers	$1932	$329

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Average Car Insurance in Merrillville 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 Merrillville, IN increasing?

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

Car Insurance Premiums by Age in Merrillville

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	$488
40s	USAA	$457
50s	USAA	$433
60s	USAA	$451
70s	Buckeye Insurance Group	$481

Cheapest Car Insurance Rates for Teen Drivers in Merrillville,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Merrillville at $32 per month. At $4926 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
American Family	$211	$36
Auto-Owners Insurance Co	$272	$46
Grange	$295	$50
USAA	$829	$140
Travelers	$1071	$180
Progressive	$1162	$196
Auto-Owners	$2851	$485
Allstate	$3719	$620
State Farm	$3938	$669
Farm Bureau	$4383	$730
Farmers	$4926	$838

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 Merrillville.

As young drivers face the highest rates in Merrillville, USAA offers the cheapest auto insurance rates at $488 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 Merrillville, Westfield is the cheapest car insurance provider. At $302 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 Merrillville is State Farm, offering rates of around $5643 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$302	$51
American Family	$316	$53
Nationwide	$354	$60
Grange	$377	$64
Progressive	$965	$163
Travelers	$973	$164
USAA	$1132	$193
Allstate	$1509	$254
Farm Bureau	$2550	$433
Auto-Owners	$3153	$526
Farmers	$3153	$536
State Farm	$5643	$941

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

Car Insurance Rates with An Accident in Merrillville

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

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

The cheapest car insurance companies after an at-fault accident in Merrillville include American Family and AutoOwners Insurance Co, offering $257 and $295, respectively. Allstate is an expensive provider with an average six-month premium of $3115.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$257	$43
Auto-Owners Insurance Co	$295	$50
Indiana Farmers	$302	$51
Grange	$331	$56
USAA	$580	$98
Travelers	$672	$113
Auto-Owners	$701	$118
Progressive	$716	$121
State Farm	$980	$165
Farmers	$1539	$259
Farm Bureau	$1848	$309
Allstate	$3115	$530

Merrillville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Merrillville IN. For example, the car insurance in Merrillville after a DUI increases to $958 for a six month policy. While the rate increases by $234 for a six-month policy in the case of a speeding ticket.

Merrillville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1041	$174
One Med/PIP claim	$1041	$177
Not-at-fault accident	$1101	$184
Two Med/PIP claims	$1116	$189
One comp claim	$1124	$188
Failure to show documents	$1177	$201
Failure to wear a seat belt	$1185	$197
Two comp claims	$1193	$203
Child safety restraint	$1207	$201
Driving without lights	$1207	$206
Driving with expired registration	$1252	$208
Speeding 6 - 10 MPH over limit	$1275	$217
Driving too slowly	$1283	$213
Failure to yield	$1283	$218
Following too closely	$1283	$213
Illegal turn	$1283	$218
Speeding in school zone	$1283	$213
Cell phone violation	$1290	$220
Speeding 11 - 15 MPH over limit	$1290	$215
Texting while driving	$1290	$220
Wrong way/wrong lane	$1290	$215
Failure to stop at a red light	$1298	$221
Improper passing	$1306	$217
Speeding 16 - 20 MPH over limit	$1306	$222
At-fault accident - less than $1000	$1321	$220
Passing school bus	$1342	$229
Speeding 21 - 25 MPH over limit	$1411	$235
At-fault accident - $1000-$2000	$1455	$248
In 65 MPH zone	$1478	$246
At-fault accident - greater than $2000	$1486	$253
Operating a vehicle without permission	$1591	$265
Open container	$1607	$273
Racing	$1953	$325
Reckless driving	$1961	$334
Refusal to submit to a chemical test	$1984	$330
DUI	$1999	$340
Leaving scene of an accident/hit and run	$2037	$339
Driving with a suspended license	$2052	$349

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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 Merrillville 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 Merrillville.

The cheapest car insurance premiums in Merrillville are offered by American Family at $257 for a six-month policy. However, it can be as expensive as $3462 with companies like Farmers.

Merrillville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$257	$43
Grange	$467	$80
Travelers	$709	$119
Progressive	$716	$121
USAA	$875	$147
Farm Bureau	$1455	$245
State Farm	$1471	$248
Allstate	$1607	$271
Auto-Owners	$2217	$373
Hastings Mutual	$2384	$405
Farmers	$3462	$577

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 Merrillville are offered by Westfield at $196. However, it can be as expensive as $2430 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Merrillville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
American Family	$257	$43
Auto-Owners Insurance Co	$272	$46
Travelers	$762	$128
Progressive	$777	$131
USAA	$777	$130
State Farm	$829	$140
Auto-Owners	$1124	$188
Farm Bureau	$1494	$254
Farmers	$2399	$400
Allstate	$2430	$413

Car Insurance Price Trends in Merrillville, Indiana

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

The average cost of full coverage in the Merrillville rose by $198 in January compared to $170 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 Merrillville rose to $52 in January, compared to $50 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Merrillville?

The car insurance in Merrillville is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Merrillville?

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

How much is car insurance in Merrillville for teenagers?

Car insurance for teenagers costs $189 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 Merrillville?

The average cost of car insurance is $749 for a six-month policy. It will cost around $160 per month to insure your car in Merrillville.

Is car insurance expensive in Merrillville?

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

Cheapest Car Insurance Quotes in Merrillville

Why you can trust Way?

How Much Is Car Insurance in Merrillville

Avg. Car Insurance in Merrillville

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Merrillville

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Merrillville Car Insurance Rates by Company

Cheap Car Insurance Companies in Merrillville, IN

Way's key takeaways about car insurance in Merrillville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Merrillville

Cheapest Liability Coverage in Merrillville, IN

Cheapest Full Coverage Car Insurance in Merrillville

Cheapest Full Coverage Car Insurance Quotes in Merrillville, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Merrillville by Rating Factor

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

Car Insurance Premiums by Age in Merrillville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Merrillville,IN

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

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 Merrillville

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

Merrillville Car Insurance Rates by Violation

Merrillville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Merrillville after a DUI

Merrillville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Merrillville after Speeding ticket

Car Insurance Price Trends in Merrillville, Indiana

Average Car Insurance Cost in Merrillville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Merrillville, IN

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

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Data Sources