Cheapest Car Insurance Quotes in Needham

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Needham Car Insurance

^$ 22

/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 Needham

The car insurance rate in Needham is $771 for a six-month policy, which is $22 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $300, making it a popular choice for budget-conscious drivers. Rates in Needham 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 Needham

$771

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Needham

1st place: American Family

At $300 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 $416 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $422 for six months, making it the third cheapest auto insurance company in Needham.

Needham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Needham, IN is American Family, offering policies at just $300 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $416.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1567 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Needham drivers find the best deals.

Cheap Car Insurance Companies in Needham, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$300	$50
Auto-Owners Insurance Co	$416	$71
Westfield	$422	$70
Nationwide	$526	$89
Hastings Mutual	$587	$99
USAA	$599	$101
Hastings Insurance	$661	$110
Progressive	$697	$117
Travelers	$697	$117
Auto-Owners	$789	$133
Farm Bureau	$1009	$168
State Farm	$1120	$188
Allstate	$1413	$238
Farmers	$1567	$267

Key Takeaways

Way's key takeaways about car insurance in Needham

The auto insurance costs in Needham fall around $300 for six months.
The cheapest auto insurance company in Needham is Westfield.
Teen drivers pay the highest rate in Needham at $680 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Needham

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 Needham are given below.

Westfield provides the cheapest minimum car insurance coverage in Needham. Their Average 6 Month Premium is $129. Farmers is the most expensive at $562 for the same period.

Cheapest Liability Coverage in Needham, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$129	$22
American Family	$165	$28
Auto-Owners Insurance Co	$171	$29
USAA	$171	$29
Hastings Mutual	$183	$31
Indiana Farmers	$190	$32
Progressive	$220	$37
Auto-Owners	$227	$38
Grange	$227	$38
Travelers	$239	$40
SafeAuto	$251	$42
Farm Bureau	$306	$53
State Farm	$306	$52
Allstate	$533	$90
Farmers	$562	$94

Cheapest Full Coverage Car Insurance in Needham

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 Needham is American Family at $50 per month and $300 for six months.

Cheapest Full Coverage Car Insurance Quotes in Needham, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$300	$50
Auto-Owners Insurance Co	$416	$71
Westfield	$422	$70
Nationwide	$526	$89
Hastings Mutual	$587	$99
USAA	$599	$101
Hastings Insurance	$661	$110
Progressive	$697	$117
Travelers	$697	$117
Auto-Owners	$789	$133
Farm Bureau	$1009	$168
State Farm	$1120	$188
Allstate	$1413	$238
Farmers	$1567	$267

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Average Car Insurance in Needham 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 Needham, IN increasing?

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

Car Insurance Premiums by Age in Needham

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	$396
40s	USAA	$371
50s	USAA	$351
60s	USAA	$366
70s	Buckeye Insurance Group	$390

Cheapest Car Insurance Rates for Teen Drivers in Needham,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Needham at $26 per month. At $3995 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
American Family	$171	$29
Auto-Owners Insurance Co	$220	$37
Grange	$239	$40
USAA	$673	$113
Travelers	$868	$146
Progressive	$942	$159
Auto-Owners	$2312	$393
Allstate	$3016	$503
State Farm	$3194	$543
Farm Bureau	$3555	$592
Farmers	$3995	$680

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 Needham.

As young drivers face the highest rates in Needham, USAA offers the cheapest auto insurance rates at $396 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 Needham, Westfield is the cheapest car insurance provider. At $245 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 Needham is State Farm, offering rates of around $4576 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$245	$41
American Family	$256	$43
Nationwide	$287	$48
Grange	$306	$52
Progressive	$783	$132
Travelers	$789	$133
USAA	$918	$157
Allstate	$1224	$206
Farm Bureau	$2068	$351
Auto-Owners	$2557	$426
Farmers	$2557	$435
State Farm	$4576	$763

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

Car Insurance Rates with An Accident in Needham

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

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

The cheapest car insurance companies after an at-fault accident in Needham include American Family and AutoOwners Insurance Co, offering $208 and $239, respectively. Allstate is an expensive provider with an average six-month premium of $2527.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$208	$35
Auto-Owners Insurance Co	$239	$40
Indiana Farmers	$245	$41
Grange	$269	$45
USAA	$471	$79
Travelers	$545	$92
Auto-Owners	$569	$96
Progressive	$581	$98
State Farm	$795	$134
Farmers	$1248	$210
Farm Bureau	$1499	$250
Allstate	$2527	$430

Needham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Needham IN. For example, the car insurance in Needham after a DUI increases to $776 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Needham auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$845	$141
One Med/PIP claim	$845	$143
Not-at-fault accident	$893	$149
Two Med/PIP claims	$905	$153
One comp claim	$912	$152
Failure to show documents	$955	$163
Failure to wear a seat belt	$961	$160
Two comp claims	$967	$165
Child safety restraint	$979	$163
Driving without lights	$979	$167
Driving with expired registration	$1016	$169
Speeding 6 - 10 MPH over limit	$1034	$176
Driving too slowly	$1040	$173
Failure to yield	$1040	$177
Following too closely	$1040	$173
Illegal turn	$1040	$177
Speeding in school zone	$1040	$173
Cell phone violation	$1046	$178
Speeding 11 - 15 MPH over limit	$1046	$174
Texting while driving	$1046	$178
Wrong way/wrong lane	$1046	$174
Failure to stop at a red light	$1053	$179
Improper passing	$1059	$176
Speeding 16 - 20 MPH over limit	$1059	$180
At-fault accident - less than $1000	$1071	$178
Passing school bus	$1089	$185
Speeding 21 - 25 MPH over limit	$1144	$191
At-fault accident - $1000-$2000	$1180	$201
In 65 MPH zone	$1199	$200
At-fault accident - greater than $2000	$1205	$205
Operating a vehicle without permission	$1291	$215
Open container	$1303	$221
Racing	$1584	$264
Reckless driving	$1590	$271
Refusal to submit to a chemical test	$1609	$268
DUI	$1621	$276
Leaving scene of an accident/hit and run	$1652	$275
Driving with a suspended license	$1664	$283

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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 Needham 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 Needham.

The cheapest car insurance premiums in Needham are offered by American Family at $208 for a six-month policy. However, it can be as expensive as $2808 with companies like Farmers.

Needham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$208	$35
Grange	$379	$65
Travelers	$575	$97
Progressive	$581	$98
USAA	$710	$119
Farm Bureau	$1180	$199
State Farm	$1193	$201
Allstate	$1303	$219
Auto-Owners	$1798	$303
Hastings Mutual	$1933	$329
Farmers	$2808	$468

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 Needham are offered by Westfield at $159. However, it can be as expensive as $1970 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Needham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$159	$27
American Family	$208	$35
Auto-Owners Insurance Co	$220	$37
Travelers	$618	$104
Progressive	$630	$106
USAA	$630	$105
State Farm	$673	$113
Auto-Owners	$912	$152
Farm Bureau	$1211	$206
Farmers	$1946	$324
Allstate	$1970	$335

Car Insurance Price Trends in Needham, Indiana

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

The average cost of full coverage in the Needham rose by $161 in January compared to $138 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Needham rose to $42 in January, compared to $40 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 Needham?

The car insurance in Needham is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Needham?

The cheapest car insurance in Needham is $50 per month for full coverage.

How much is car insurance in Needham for teenagers?

Car insurance for teenagers costs $153 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 Needham?

The average cost of car insurance is $749 for a six-month policy. It will cost around $130 per month to insure your car in Needham.

Is car insurance expensive in Needham?

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

Cheapest Car Insurance Quotes in Needham

Why you can trust Way?

How Much Is Car Insurance in Needham

Avg. Car Insurance in Needham

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Needham

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Needham Car Insurance Rates by Company

Cheap Car Insurance Companies in Needham, IN

Way's key takeaways about car insurance in Needham

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Needham

Cheapest Liability Coverage in Needham, IN

Cheapest Full Coverage Car Insurance in Needham

Cheapest Full Coverage Car Insurance Quotes in Needham, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Needham by Rating Factor

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

Car Insurance Premiums by Age in Needham

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Needham,IN

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

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 Needham

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

Needham Car Insurance Rates by Violation

Needham auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Needham after a DUI

Needham car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Needham after Speeding ticket

Car Insurance Price Trends in Needham, Indiana

Average Car Insurance Cost in Needham by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Needham, IN

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

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