We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Muscatatuck 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 Muscatatuck
The car insurance rate in Muscatatuck is $680 for a six-month policy, which is $13 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Muscatatuck 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 $412 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 $418 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $521
for six months, making it
the third cheapest auto insurance company in Muscatatuck.
Muscatatuck Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Muscatatuck, IN is AutoOwners Insurance Co, offering policies at just $412 for a six-month term. This is followed by Westfield, which has an average six-month premium of $418.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1261 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Muscatatuck drivers find the best deals.
Way's key takeaways about car insurance in Muscatatuck
The auto insurance costs in Muscatatuck fall around $412 for six
months.
The cheapest auto insurance company in Muscatatuck is Westfield.
Teen drivers pay the highest rate in Muscatatuck at $560 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 Muscatatuck
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 Muscatatuck are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Muscatatuck. Their Average 6 Month Premium is $128.
Farmers is the most
expensive at $231 for the same
period.
Cheapest Full Coverage Car Insurance in Muscatatuck
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 Muscatatuck is AutoOwners Insurance Co
at $68 per month and $412
for six months.
Cheapest Full Coverage Car Insurance Quotes in Muscatatuck,
IN
Get Your Car Insurance Quote in Muscatatuck
Instantly!
Average Car Insurance in Muscatatuck 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 Muscatatuck, IN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Muscatatuck, 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, Muscatatuck's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Muscatatuck
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
$438
40s
USAA
$410
50s
USAA
$388
60s
USAA
$404
70s
Buckeye Insurance Group
$431
Cheapest Car Insurance Rates for Teen Drivers in
Muscatatuck,IN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Muscatatuck at $26
per
month. At $3296 for a six-month premium,
Farm Bureau offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Muscatatuck.
As young drivers face the highest rates in Muscatatuck, USAA
offers the cheapest auto insurance rates at $438 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 Muscatatuck,
Westfield is
the cheapest car insurance provider. At $243 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
Muscatatuck is State Farm, offering
rates of around $2975 for six
months.
Save up to $971/yr on car insurance rates in Muscatatuck.
Car Insurance Rates with An Accident in Muscatatuck
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 Muscatatuck, IN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Muscatatuck
The cheapest car insurance companies after an at-fault accident in
Muscatatuck include AutoOwners Insurance Co
and Indiana Farmers, offering $237
and $243,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2005.
Here is a list of driving violations that can increase your car
insurance rates in Muscatatuck IN. For example, the car
insurance in Muscatatuck
after a DUI increases to $769 for a six
month policy. While the rate increases by $188 for a six-month policy in the case of
a speeding ticket.
Muscatatuck auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$836
$140
One Med/PIP claim
$836
$142
Not-at-fault accident
$884
$148
Two Med/PIP claims
$897
$152
One comp claim
$903
$151
Failure to show documents
$946
$161
Failure to wear a seat belt
$952
$158
Two comp claims
$958
$163
Child safety restraint
$969
$161
Driving without lights
$969
$165
Driving with expired registration
$1006
$167
Speeding 6 - 10 MPH over limit
$1024
$174
Driving too slowly
$1030
$171
Failure to yield
$1030
$175
Following too closely
$1030
$171
Illegal turn
$1030
$175
Speeding in school zone
$1030
$171
Cell phone violation
$1036
$176
Speeding 11 - 15 MPH over limit
$1036
$172
Texting while driving
$1036
$176
Wrong way/wrong lane
$1036
$172
Failure to stop at a red light
$1042
$177
Improper passing
$1049
$174
Speeding 16 - 20 MPH over limit
$1049
$179
At-fault accident - less than $1000
$1061
$176
Passing school bus
$1078
$184
Speeding 21 - 25 MPH over limit
$1133
$189
At-fault accident - $1000-$2000
$1169
$199
In 65 MPH zone
$1187
$198
At-fault accident - greater than $2000
$1193
$203
Operating a vehicle without permission
$1278
$213
Open container
$1290
$219
Racing
$1569
$261
Reckless driving
$1575
$268
Refusal to submit to a chemical test
$1593
$265
DUI
$1605
$273
Leaving scene of an accident/hit and run
$1636
$272
Driving with a suspended license
$1648
$281
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Muscatatuck 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 Muscatatuck.
The cheapest car insurance premiums in
Muscatatuck are
offered by Grange at $375 for a six-month policy.
However, it can be as
expensive as $1915 with companies
like Hastings Mutual.
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 Muscatatuck are offered by Westfield
at $157. However,
it can be as expensive as $1569
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Muscatatuck after Speeding ticket
Car Insurance Price Trends in Muscatatuck,
Indiana
Car insurance rates in Muscatatuck have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Muscatatuck remained steady at $137 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Muscatatuck remained steady at $40 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Muscatatuck by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Muscatatuck. 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
undefined
Frequently Asked Questions
How much is car insurance in Muscatatuck?
The car insurance in Muscatatuck is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Muscatatuck?
The cheapest car insurance in Muscatatuck
is $68 per month
for full coverage.
How much is car insurance in Muscatatuck for teenagers?
Car insurance for teenagers costs $152 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
Muscatatuck?
The average cost of car insurance is $667 for a six-month
policy. It will cost around $114 per month to insure your
car in Muscatatuck.
Is car insurance expensive in Muscatatuck?
Car insurance can be expensive in Muscatatuck if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Muscatatuck can be
affordable.
What is the best car insurance in Muscatatuck,
IN?
The best car insurance company in Muscatatuck
IN is
AutoOwners Insurance Co, offering $412 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Muscatatuck right now.
Find Car Insurance Rates in Cities Near Muscatatuck, IN
Car Insurance Rates by State in the USA (2025 Update)
Muscatatuck Car Insurance
