Cheapest Car Insurance Quotes in New Chicago

Finding the cheapest car insurance quotes in New Chicago 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.
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New Chicago Car Insurance

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/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 New Chicago

The car insurance rate in New Chicago is $906 for a six-month policy, which is $157 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $352, making it a popular choice for budget-conscious drivers. Rates in New Chicago 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 New Chicago

$906

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in New Chicago

1st place: American Family

At $352 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 $489 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $496 for six months, making it the third cheapest auto insurance company in New Chicago.

New Chicago Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Chicago, IN is American Family, offering policies at just $352 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $489.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1840 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Chicago drivers find the best deals.

Cheap Car Insurance Companies in New Chicago, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$352	$59
Auto-Owners Insurance Co	$489	$83
Westfield	$496	$82
Nationwide	$618	$104
Hastings Mutual	$690	$116
USAA	$704	$119
Hastings Insurance	$777	$129
Progressive	$819	$138
Travelers	$819	$138
Auto-Owners	$927	$156
Farm Bureau	$1186	$197
State Farm	$1315	$221
Allstate	$1660	$280
Farmers	$1840	$313

Key Takeaways

Way's key takeaways about car insurance in New Chicago

The auto insurance costs in New Chicago fall around $352 for six months.
The cheapest auto insurance company in New Chicago is Westfield.
Teen drivers pay the highest rate in New Chicago at $799 per month.

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Cheapest Minimum Liability Car Insurance in New Chicago

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 New Chicago are given below.

Westfield provides the cheapest minimum car insurance coverage in New Chicago. Their Average 6 Month Premium is $151. Farmers is the most expensive at $661 for the same period.

Cheapest Liability Coverage in New Chicago, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$151	$25
American Family	$194	$33
Auto-Owners Insurance Co	$201	$34
USAA	$201	$34
Hastings Mutual	$215	$36
Indiana Farmers	$223	$38
Progressive	$259	$44
Auto-Owners	$266	$45
Grange	$266	$45
Travelers	$281	$47
SafeAuto	$295	$50
Farm Bureau	$359	$62
State Farm	$359	$61
Allstate	$626	$105
Farmers	$661	$110

Cheapest Full Coverage Car Insurance in New Chicago

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 New Chicago is American Family at $59 per month and $352 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Chicago, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$352	$59
Auto-Owners Insurance Co	$489	$83
Westfield	$496	$82
Nationwide	$618	$104
Hastings Mutual	$690	$116
USAA	$704	$119
Hastings Insurance	$777	$129
Progressive	$819	$138
Travelers	$819	$138
Auto-Owners	$927	$156
Farm Bureau	$1186	$197
State Farm	$1315	$221
Allstate	$1660	$280
Farmers	$1840	$313

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Average Car Insurance in New Chicago 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 New Chicago, IN increasing?

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

Car Insurance Premiums by Age in New Chicago

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	$465
40s	USAA	$436
50s	USAA	$413
60s	USAA	$430
70s	Buckeye Insurance Group	$459

Cheapest Car Insurance Rates for Teen Drivers in New Chicago,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the New Chicago at $30 per month. At $4694 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$180	$30
American Family	$201	$34
Auto-Owners Insurance Co	$259	$44
Grange	$281	$47
USAA	$790	$133
Travelers	$1020	$172
Progressive	$1107	$186
Auto-Owners	$2716	$462
Allstate	$3543	$590
State Farm	$3752	$638
Farm Bureau	$4176	$696
Farmers	$4694	$799

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 New Chicago.

As young drivers face the highest rates in New Chicago, USAA offers the cheapest auto insurance rates at $465 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 New Chicago, Westfield is the cheapest car insurance provider. At $288 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 New Chicago is State Farm, offering rates of around $5376 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$288	$48
American Family	$301	$51
Nationwide	$338	$57
Grange	$359	$61
Progressive	$920	$155
Travelers	$927	$156
USAA	$1078	$184
Allstate	$1437	$242
Farm Bureau	$2430	$413
Auto-Owners	$3004	$501
Farmers	$3004	$511
State Farm	$5376	$897

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

Car Insurance Rates with An Accident in New Chicago

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Chicago

The cheapest car insurance companies after an at-fault accident in New Chicago include American Family and AutoOwners Insurance Co, offering $244 and $281, respectively. Allstate is an expensive provider with an average six-month premium of $2968.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$244	$41
Auto-Owners Insurance Co	$281	$47
Indiana Farmers	$288	$48
Grange	$316	$53
USAA	$553	$93
Travelers	$640	$108
Auto-Owners	$668	$113
Progressive	$682	$115
State Farm	$934	$157
Farmers	$1467	$247
Farm Bureau	$1761	$294
Allstate	$2968	$505

New Chicago Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Chicago IN. For example, the car insurance in New Chicago after a DUI increases to $913 for a six month policy. While the rate increases by $223 for a six-month policy in the case of a speeding ticket.

New Chicago auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$992	$166
One Med/PIP claim	$992	$168
Not-at-fault accident	$1049	$175
Two Med/PIP claims	$1064	$180
One comp claim	$1071	$179
Failure to show documents	$1122	$191
Failure to wear a seat belt	$1129	$188
Two comp claims	$1136	$194
Child safety restraint	$1150	$191
Driving without lights	$1150	$196
Driving with expired registration	$1193	$198
Speeding 6 - 10 MPH over limit	$1215	$207
Driving too slowly	$1222	$203
Failure to yield	$1222	$208
Following too closely	$1222	$203
Illegal turn	$1222	$208
Speeding in school zone	$1222	$203
Cell phone violation	$1229	$209
Speeding 11 - 15 MPH over limit	$1229	$204
Texting while driving	$1229	$209
Wrong way/wrong lane	$1229	$204
Failure to stop at a red light	$1237	$211
Improper passing	$1244	$207
Speeding 16 - 20 MPH over limit	$1244	$212
At-fault accident - less than $1000	$1258	$209
Passing school bus	$1279	$218
Speeding 21 - 25 MPH over limit	$1344	$224
At-fault accident - $1000-$2000	$1387	$236
In 65 MPH zone	$1408	$235
At-fault accident - greater than $2000	$1416	$241
Operating a vehicle without permission	$1516	$253
Open container	$1531	$260
Racing	$1861	$310
Reckless driving	$1868	$318
Refusal to submit to a chemical test	$1890	$315
DUI	$1905	$324
Leaving scene of an accident/hit and run	$1941	$323
Driving with a suspended license	$1955	$333

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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 New Chicago 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 New Chicago.

The cheapest car insurance premiums in New Chicago are offered by American Family at $244 for a six-month policy. However, it can be as expensive as $3298 with companies like Farmers.

New Chicago car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$244	$41
Grange	$445	$76
Travelers	$675	$114
Progressive	$682	$115
USAA	$834	$140
Farm Bureau	$1387	$234
State Farm	$1401	$236
Allstate	$1531	$258
Auto-Owners	$2113	$356
Hastings Mutual	$2271	$386
Farmers	$3298	$549

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 New Chicago are offered by Westfield at $186. However, it can be as expensive as $2315 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New Chicago after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
American Family	$244	$41
Auto-Owners Insurance Co	$259	$44
Travelers	$726	$122
Progressive	$741	$125
USAA	$741	$123
State Farm	$790	$133
Auto-Owners	$1071	$179
Farm Bureau	$1423	$242
Farmers	$2286	$381
Allstate	$2315	$393

Car Insurance Price Trends in New Chicago, Indiana

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

The average cost of full coverage in the New Chicago rose by $189 in January compared to $162 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 New Chicago rose to $50 in January, compared to $47 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in New Chicago?

The car insurance in New Chicago is $25 per month, which is lower than the national average.

What is the cheapest car insurance in New Chicago?

The cheapest car insurance in New Chicago is $59 per month for full coverage.

How much is car insurance in New Chicago for teenagers?

Car insurance for teenagers costs $180 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 New Chicago?

The average cost of car insurance is $749 for a six-month policy. It will cost around $152 per month to insure your car in New Chicago.

Is car insurance expensive in New Chicago?

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

Cheapest Car Insurance Quotes in New Chicago

Why you can trust Way?

How Much Is Car Insurance in New Chicago

Avg. Car Insurance in New Chicago

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in New Chicago

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

New Chicago Car Insurance Rates by Company

Cheap Car Insurance Companies in New Chicago, IN

Way's key takeaways about car insurance in New Chicago

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Chicago

Cheapest Liability Coverage in New Chicago, IN

Cheapest Full Coverage Car Insurance in New Chicago

Cheapest Full Coverage Car Insurance Quotes in New Chicago, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Chicago by Rating Factor

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

Car Insurance Premiums by Age in New Chicago

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Chicago,IN

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

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 New Chicago

Cheapest Car Insurance Companies after an At-Fault Accident in New Chicago

New Chicago Car Insurance Rates by Violation

New Chicago auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Chicago after a DUI

New Chicago car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Chicago after Speeding ticket

Car Insurance Price Trends in New Chicago, Indiana

Average Car Insurance Cost in New Chicago by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Chicago, IN

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

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