Cheapest Car Insurance Quotes in Munster

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Munster Car Insurance

^$ 24

/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 $774 for a six-month policy, which is $107 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $469, 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

$774

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Munster

1st place: AutoOwners Insurance Co

At $469 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 $476 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $593 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 AutoOwners Insurance Co, offering policies at just $469 for a six-month term. This is followed by Westfield, which has an average six-month premium of $476.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1434 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
Auto-Owners Insurance Co	$469	$78
Westfield	$476	$81
Nationwide	$593	$100
American Family	$614	$103
USAA	$654	$110
Hastings Mutual	$661	$111
Travelers	$731	$123
Hastings Insurance	$745	$126
Progressive	$764	$129
Auto-Owners	$792	$133
State Farm	$1061	$179
Farm Bureau	$1068	$182
Allstate	$1434	$241

Key Takeaways

Way's key takeaways about car insurance in Munster

The auto insurance costs in Munster fall around $469 for six months.
The cheapest auto insurance company in Munster is Westfield.
Teen drivers pay the highest rate in Munster at $637 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 $145. Farmers is the most expensive at $262 for the same period.

Cheapest Liability Coverage in Munster, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$145	$24
USAA	$186	$31
Auto-Owners Insurance Co	$193	$32
Hastings Mutual	$206	$35
Indiana Farmers	$213	$36
American Family	$234	$39
Auto-Owners	$234	$39
Progressive	$248	$42
Grange	$255	$43
Travelers	$262	$44
SafeAuto	$283	$48
State Farm	$303	$51
Farm Bureau	$345	$59
Allstate	$565	$95
Farmers	$262	$44

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 AutoOwners Insurance Co at $78 per month and $469 for six months.

Cheapest Full Coverage Car Insurance Quotes in Munster, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$469	$78
Westfield	$476	$81
Nationwide	$593	$100
American Family	$614	$103
USAA	$654	$110
Hastings Mutual	$661	$111
Travelers	$731	$123
Hastings Insurance	$745	$126
Progressive	$764	$129
Auto-Owners	$792	$133
State Farm	$1061	$179
Farm Bureau	$1068	$182
Allstate	$1434	$241

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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	$498
40s	USAA	$466
50s	USAA	$441
60s	USAA	$459
70s	Buckeye Insurance Group	$491

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 $29 per month. At $3748 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Auto-Owners Insurance Co	$248	$42
Grange	$269	$45
USAA	$551	$93
Travelers	$834	$140
Progressive	$965	$162
American Family	$1681	$283
Auto-Owners	$2240	$374
State Farm	$2329	$396
Allstate	$2770	$462
Farm Bureau	$3748	$637

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 $498 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 $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 Munster is State Farm, offering rates of around $3384 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$276	$46
Nationwide	$324	$55
Grange	$345	$58
Travelers	$764	$129
Progressive	$806	$136
USAA	$882	$150
American Family	$944	$159
Allstate	$1144	$193
Farm Bureau	$2177	$363
Auto-Owners	$2350	$399
State Farm	$3384	$564

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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 AutoOwners Insurance Co and Indiana Farmers, offering $269 and $276, respectively. Allstate is an expensive provider with an average six-month premium of $2281.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$269	$45
Indiana Farmers	$276	$46
Grange	$303	$51
Farmers	$351	$60
USAA	$469	$79
Travelers	$544	$92
Auto-Owners	$558	$94
Progressive	$600	$101
State Farm	$640	$108
American Family	$875	$147
Farm Bureau	$1592	$266
Allstate	$2281	$387

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 $875 for a six month policy. While the rate increases by $214 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	$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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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 Grange at $427 for a six-month policy. However, it can be as expensive as $2177 with companies like Hastings Mutual.

Munster car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$427	$71
Travelers	$572	$96
Progressive	$621	$104
USAA	$682	$115
American Family	$951	$160
State Farm	$1109	$187
Farm Bureau	$1268	$213
Allstate	$1322	$223
Auto-Owners	$1784	$300
Hastings Mutual	$2177	$370

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 $179. However, it can be as expensive as $1784 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	$179	$30
Auto-Owners Insurance Co	$248	$42
State Farm	$544	$92
Travelers	$593	$100
USAA	$607	$103
American Family	$621	$104
Progressive	$647	$109
Auto-Owners	$834	$139
Farm Bureau	$1282	$218
Allstate	$1784	$297

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 remained steady at $155 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Munster remained steady at $45 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 Munster?

The car insurance in Munster is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Munster?

The cheapest car insurance in Munster is $78 per month for full coverage.

How much is car insurance in Munster 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 Munster?

The average cost of car insurance is $667 for a six-month policy. It will cost around $130 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: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

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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