Cheapest Car Insurance Quotes in Munster

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Munster 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 Munster

The car insurance rate in Munster is $921 for a six-month policy, which is $172 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $358, making it a popular choice for budget-conscious drivers. Rates in Munster 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 Munster

$921

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Munster

1st place: American Family

At $358 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 $497 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $504 for six months, making it the third cheapest auto insurance company in Munster.

Munster Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Munster, IN is American Family, offering policies at just $358 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $497.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1871 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Munster drivers find the best deals.

Cheap Car Insurance Companies in Munster, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$358	$60
Auto-Owners Insurance Co	$497	$85
Westfield	$504	$84
Nationwide	$629	$106
Hastings Mutual	$701	$118
USAA	$716	$121
Hastings Insurance	$790	$132
Progressive	$833	$140
Travelers	$833	$140
Auto-Owners	$942	$159
Farm Bureau	$1205	$200
State Farm	$1337	$225
Allstate	$1688	$284
Farmers	$1871	$319

Key Takeaways

Way's key takeaways about car insurance in Munster

The auto insurance costs in Munster fall around $358 for six months.
The cheapest auto insurance company in Munster is Westfield.
Teen drivers pay the highest rate in Munster at $812 per month.

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Cheapest Minimum Liability Car Insurance in Munster

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 Munster are given below.

Westfield provides the cheapest minimum car insurance coverage in Munster. Their Average 6 Month Premium is $154. Farmers is the most expensive at $672 for the same period.

Cheapest Liability Coverage in Munster, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$154	$26
American Family	$197	$33
Auto-Owners Insurance Co	$204	$34
USAA	$204	$34
Hastings Mutual	$219	$37
Indiana Farmers	$226	$38
Progressive	$263	$44
Auto-Owners	$271	$46
Grange	$271	$46
Travelers	$285	$48
SafeAuto	$300	$50
Farm Bureau	$365	$63
State Farm	$365	$62
Allstate	$636	$107
Farmers	$672	$112

Cheapest Full Coverage Car Insurance in Munster

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 Munster is American Family at $60 per month and $358 for six months.

Cheapest Full Coverage Car Insurance Quotes in Munster, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$358	$60
Auto-Owners Insurance Co	$497	$85
Westfield	$504	$84
Nationwide	$629	$106
Hastings Mutual	$701	$118
USAA	$716	$121
Hastings Insurance	$790	$132
Progressive	$833	$140
Travelers	$833	$140
Auto-Owners	$942	$159
Farm Bureau	$1205	$200
State Farm	$1337	$225
Allstate	$1688	$284
Farmers	$1871	$319

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Average Car Insurance in Munster 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 Munster, IN increasing?

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

Car Insurance Premiums by Age in Munster

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	$472
40s	USAA	$443
50s	USAA	$419
60s	USAA	$437
70s	Buckeye Insurance Group	$466

Cheapest Car Insurance Rates for Teen Drivers in Munster,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Munster at $31 per month. At $4771 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$183	$31
American Family	$204	$34
Auto-Owners Insurance Co	$263	$44
Grange	$285	$48
USAA	$803	$135
Travelers	$1037	$175
Progressive	$1125	$189
Auto-Owners	$2761	$470
Allstate	$3601	$600
State Farm	$3814	$648
Farm Bureau	$4245	$707
Farmers	$4771	$812

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 Munster.

As young drivers face the highest rates in Munster, USAA offers the cheapest auto insurance rates at $472 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 Munster, Westfield is the cheapest car insurance provider. At $293 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 Munster is State Farm, offering rates of around $5465 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$293	$49
American Family	$306	$52
Nationwide	$343	$58
Grange	$365	$62
Progressive	$935	$157
Travelers	$942	$159
USAA	$1096	$187
Allstate	$1461	$246
Farm Bureau	$2470	$419
Auto-Owners	$3054	$509
Farmers	$3054	$519
State Farm	$5465	$911

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

Car Insurance Rates with An Accident in Munster

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

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

The cheapest car insurance companies after an at-fault accident in Munster include American Family and AutoOwners Insurance Co, offering $248 and $285, respectively. Allstate is an expensive provider with an average six-month premium of $3017.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$248	$42
Auto-Owners Insurance Co	$285	$48
Indiana Farmers	$293	$49
Grange	$321	$54
USAA	$562	$95
Travelers	$651	$109
Auto-Owners	$679	$114
Progressive	$694	$117
State Farm	$950	$160
Farmers	$1491	$251
Farm Bureau	$1790	$299
Allstate	$3017	$513

Munster Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Munster IN. For example, the car insurance in Munster after a DUI increases to $927 for a six month policy. While the rate increases by $226 for a six-month policy in the case of a speeding ticket.

Munster auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1009	$169
One Med/PIP claim	$1009	$171
Not-at-fault accident	$1066	$178
Two Med/PIP claims	$1081	$183
One comp claim	$1089	$182
Failure to show documents	$1140	$194
Failure to wear a seat belt	$1148	$191
Two comp claims	$1155	$197
Child safety restraint	$1169	$194
Driving without lights	$1169	$199
Driving with expired registration	$1213	$202
Speeding 6 - 10 MPH over limit	$1235	$210
Driving too slowly	$1242	$207
Failure to yield	$1242	$212
Following too closely	$1242	$207
Illegal turn	$1242	$212
Speeding in school zone	$1242	$207
Cell phone violation	$1250	$213
Speeding 11 - 15 MPH over limit	$1250	$208
Texting while driving	$1250	$213
Wrong way/wrong lane	$1250	$208
Failure to stop at a red light	$1257	$214
Improper passing	$1264	$210
Speeding 16 - 20 MPH over limit	$1264	$215
At-fault accident - less than $1000	$1279	$213
Passing school bus	$1300	$221
Speeding 21 - 25 MPH over limit	$1367	$228
At-fault accident - $1000-$2000	$1410	$240
In 65 MPH zone	$1432	$239
At-fault accident - greater than $2000	$1439	$245
Operating a vehicle without permission	$1541	$257
Open container	$1556	$264
Racing	$1892	$315
Reckless driving	$1899	$323
Refusal to submit to a chemical test	$1921	$320
DUI	$1936	$330
Leaving scene of an accident/hit and run	$1973	$328
Driving with a suspended license	$1988	$338

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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 Munster 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 Munster.

The cheapest car insurance premiums in Munster are offered by American Family at $248 for a six-month policy. However, it can be as expensive as $3353 with companies like Farmers.

Munster car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$248	$42
Grange	$453	$77
Travelers	$686	$116
Progressive	$694	$117
USAA	$847	$143
Farm Bureau	$1410	$237
State Farm	$1424	$240
Allstate	$1556	$262
Auto-Owners	$2148	$362
Hastings Mutual	$2309	$392
Farmers	$3353	$558

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 Munster are offered by Westfield at $189. However, it can be as expensive as $2353 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Munster after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
American Family	$248	$42
Auto-Owners Insurance Co	$263	$44
Travelers	$738	$124
Progressive	$753	$127
USAA	$753	$125
State Farm	$803	$135
Auto-Owners	$1089	$182
Farm Bureau	$1446	$246
Farmers	$2323	$387
Allstate	$2353	$400

Car Insurance Price Trends in Munster, Indiana

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

The average cost of full coverage in the Munster rose by $192 in January compared to $165 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Munster rose to $50 in January, compared to $48 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 Munster?

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

What is the cheapest car insurance in Munster?

The cheapest car insurance in Munster is $60 per month for full coverage.

How much is car insurance in Munster for teenagers?

Car insurance for teenagers costs $183 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 Munster?

The average cost of car insurance is $749 for a six-month policy. It will cost around $155 per month to insure your car in Munster.

Is car insurance expensive in Munster?

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

Cheapest Car Insurance Quotes in Munster

Why you can trust Way?

How Much Is Car Insurance in Munster

Avg. Car Insurance in Munster

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Munster

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Munster Car Insurance Rates by Company

Cheap Car Insurance Companies in Munster, IN

Way's key takeaways about car insurance in Munster

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Munster

Cheapest Liability Coverage in Munster, IN

Cheapest Full Coverage Car Insurance in Munster

Cheapest Full Coverage Car Insurance Quotes in Munster, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Munster by Rating Factor

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

Car Insurance Premiums by Age in Munster

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Munster,IN

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

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 Munster

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

Munster Car Insurance Rates by Violation

Munster auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Munster after a DUI

Munster car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Munster after Speeding ticket

Car Insurance Price Trends in Munster, Indiana

Average Car Insurance Cost in Munster by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Munster, IN

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

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