Cheapest Car Insurance Quotes in New Palestine

Finding the cheapest car insurance quotes in New Palestine 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 Palestine Car Insurance

^$ 21

/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 Palestine

The car insurance rate in New Palestine 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 New Palestine 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 Palestine

$680

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in New Palestine

1st place: AutoOwners Insurance Co

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 New Palestine.

New Palestine Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Palestine, 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 New Palestine drivers find the best deals.

Cheap Car Insurance Companies in New Palestine, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$412	$68
Westfield	$418	$71
Nationwide	$521	$88
American Family	$540	$91
USAA	$575	$97
Hastings Mutual	$581	$98
Travelers	$643	$108
Hastings Insurance	$655	$111
Progressive	$672	$113
Auto-Owners	$697	$117
State Farm	$933	$157
Farm Bureau	$939	$160
Allstate	$1261	$212

Key Takeaways

Way's key takeaways about car insurance in New Palestine

The auto insurance costs in New Palestine fall around $412 for six months.
The cheapest auto insurance company in New Palestine is Westfield.
Teen drivers pay the highest rate in New Palestine 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 New Palestine

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 Palestine are given below.

Westfield provides the cheapest minimum car insurance coverage in New Palestine. Their Average 6 Month Premium is $128. Farmers is the most expensive at $231 for the same period.

Cheapest Liability Coverage in New Palestine, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$128	$21
USAA	$163	$28
Auto-Owners Insurance Co	$169	$29
Hastings Mutual	$182	$31
Indiana Farmers	$188	$32
American Family	$206	$35
Auto-Owners	$206	$35
Progressive	$218	$37
Grange	$224	$38
Travelers	$231	$39
SafeAuto	$249	$42
State Farm	$266	$45
Farm Bureau	$303	$52
Allstate	$497	$84
Farmers	$231	$39

Cheapest Full Coverage Car Insurance in New Palestine

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 Palestine is AutoOwners Insurance Co at $68 per month and $412 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Palestine, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$412	$68
Westfield	$418	$71
Nationwide	$521	$88
American Family	$540	$91
USAA	$575	$97
Hastings Mutual	$581	$98
Travelers	$643	$108
Hastings Insurance	$655	$111
Progressive	$672	$113
Auto-Owners	$697	$117
State Farm	$933	$157
Farm Bureau	$939	$160
Allstate	$1261	$212

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Average Car Insurance in New Palestine 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 Palestine, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in New Palestine, 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 Palestine'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 Palestine

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 New Palestine,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the New Palestine at $26 per month. At $3296 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$152	$26
Auto-Owners Insurance Co	$218	$37
Grange	$237	$40
USAA	$485	$82
Travelers	$733	$123
Progressive	$849	$143
American Family	$1478	$249
Auto-Owners	$1970	$328
State Farm	$2048	$348
Allstate	$2436	$406
Farm Bureau	$3296	$560

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 Palestine.

As young drivers face the highest rates in New Palestine, 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 New Palestine, 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 New Palestine is State Farm, offering rates of around $2975 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$243	$41
Nationwide	$285	$48
Grange	$303	$51
Travelers	$672	$113
Progressive	$709	$119
USAA	$775	$132
American Family	$830	$140
Allstate	$1006	$169
Farm Bureau	$1915	$319
Auto-Owners	$2067	$351
State Farm	$2975	$496

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in New Palestine

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

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

The cheapest car insurance companies after an at-fault accident in New Palestine 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.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$237	$40
Indiana Farmers	$243	$41
Grange	$266	$45
Farmers	$309	$53
USAA	$412	$69
Travelers	$478	$81
Auto-Owners	$491	$83
Progressive	$527	$89
State Farm	$563	$95
American Family	$769	$130
Farm Bureau	$1399	$234
Allstate	$2005	$341

New Palestine Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Palestine IN. For example, the car insurance in New Palestine 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.

New Palestine 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

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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 Palestine 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 Palestine.

The cheapest car insurance premiums in New Palestine are offered by Grange at $375 for a six-month policy. However, it can be as expensive as $1915 with companies like Hastings Mutual.

New Palestine car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$375	$62
Travelers	$503	$85
Progressive	$546	$92
USAA	$600	$101
American Family	$836	$141
State Farm	$975	$164
Farm Bureau	$1115	$188
Allstate	$1163	$196
Auto-Owners	$1569	$264
Hastings Mutual	$1915	$325

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 Palestine 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 New Palestine after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$27
Auto-Owners Insurance Co	$218	$37
State Farm	$478	$81
Travelers	$521	$88
USAA	$533	$91
American Family	$546	$92
Progressive	$569	$96
Auto-Owners	$733	$122
Farm Bureau	$1127	$192
Allstate	$1569	$261

Car Insurance Price Trends in New Palestine, Indiana

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

The average cost of full coverage in the New Palestine 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 New Palestine remained steady at $40 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 New Palestine?

The car insurance in New Palestine is $21 per month, which is lower than the national average.

What is the cheapest car insurance in New Palestine?

The cheapest car insurance in New Palestine is $68 per month for full coverage.

How much is car insurance in New Palestine 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 New Palestine?

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 New Palestine.

Is car insurance expensive in New Palestine?

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

Cheapest Car Insurance Quotes in New Palestine

Why you can trust Way?

How Much Is Car Insurance in New Palestine

Avg. Car Insurance in New Palestine

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in New Palestine

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

New Palestine Car Insurance Rates by Company

Cheap Car Insurance Companies in New Palestine, IN

Way's key takeaways about car insurance in New Palestine

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Palestine

Cheapest Liability Coverage in New Palestine, IN

Cheapest Full Coverage Car Insurance in New Palestine

Cheapest Full Coverage Car Insurance Quotes in New Palestine, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Palestine by Rating Factor

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

Car Insurance Premiums by Age in New Palestine

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Palestine

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

New Palestine Car Insurance Rates by Violation

New Palestine auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Palestine after a DUI

New Palestine car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Palestine after Speeding ticket

Car Insurance Price Trends in New Palestine, Indiana

Average Car Insurance Cost in New Palestine by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Palestine, IN

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

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Data Sources