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 New Waverly 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 New Waverly
The car insurance rate in New Waverly is $749 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $291, making it a popular choice for budget-conscious drivers. Rates in New Waverly 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 $291 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 $404 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $410
for six months, making it
the third cheapest auto insurance company in New Waverly.
New Waverly Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in New Waverly, IN is American Family, offering policies at just $291 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $404.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1521 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Waverly drivers find the best deals.
Way's key takeaways about car insurance in New Waverly
The auto insurance costs in New Waverly fall around $291 for six
months.
The cheapest auto insurance company in New Waverly is Westfield.
Teen drivers pay the highest rate in New Waverly at $660 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 Waverly
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 Waverly are given below.
Westfield provides
the cheapest minimum car insurance
coverage in New Waverly. Their Average 6 Month Premium is $125.
Farmers is the most
expensive at $546 for the same
period.
Cheapest Full Coverage Car Insurance in New Waverly
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 Waverly is American Family
at $49 per month and $291
for six months.
Cheapest Full Coverage Car Insurance Quotes in New Waverly,
IN
Get Your Car Insurance Quote in New Waverly
Instantly!
Average Car Insurance in New Waverly 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 Waverly, IN increasing?
Despite maintaining a clean driving record, your car insurance rates
in New Waverly, 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 Waverly'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 Waverly
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
$384
40s
USAA
$360
50s
USAA
$341
60s
USAA
$355
70s
Buckeye Insurance Group
$379
Cheapest Car Insurance Rates for Teen Drivers in
New Waverly,IN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the New Waverly at $25
per
month. At $3879 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in New Waverly.
As young drivers face the highest rates in New Waverly, USAA
offers the cheapest auto insurance rates at $384 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 Waverly,
Westfield is
the cheapest car insurance provider. At $238 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 Waverly is State Farm, offering
rates of around $4443 for six
months.
Save up to $971/yr on car insurance rates in New Waverly.
Car Insurance Rates with An Accident in New Waverly
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 Waverly, IN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in New Waverly
The cheapest car insurance companies after an at-fault accident in
New Waverly include American Family
and AutoOwners Insurance Co, offering $202
and $232,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2453.
Here is a list of driving violations that can increase your car
insurance rates in New Waverly IN. For example, the car
insurance in New Waverly
after a DUI increases to $754 for a six
month policy. While the rate increases by $184 for a six-month policy in the case of
a speeding ticket.
New Waverly auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$820
$137
One Med/PIP claim
$820
$139
Not-at-fault accident
$867
$145
Two Med/PIP claims
$879
$149
One comp claim
$885
$148
Failure to show documents
$927
$158
Failure to wear a seat belt
$933
$155
Two comp claims
$939
$160
Child safety restraint
$950
$158
Driving without lights
$950
$162
Driving with expired registration
$986
$164
Speeding 6 - 10 MPH over limit
$1004
$171
Driving too slowly
$1010
$168
Failure to yield
$1010
$172
Following too closely
$1010
$168
Illegal turn
$1010
$172
Speeding in school zone
$1010
$168
Cell phone violation
$1016
$173
Speeding 11 - 15 MPH over limit
$1016
$169
Texting while driving
$1016
$173
Wrong way/wrong lane
$1016
$169
Failure to stop at a red light
$1022
$174
Improper passing
$1028
$171
Speeding 16 - 20 MPH over limit
$1028
$175
At-fault accident - less than $1000
$1040
$173
Passing school bus
$1057
$180
Speeding 21 - 25 MPH over limit
$1111
$185
At-fault accident - $1000-$2000
$1146
$195
In 65 MPH zone
$1164
$194
At-fault accident - greater than $2000
$1170
$199
Operating a vehicle without permission
$1253
$209
Open container
$1265
$215
Racing
$1538
$256
Reckless driving
$1544
$263
Refusal to submit to a chemical test
$1562
$260
DUI
$1574
$268
Leaving scene of an accident/hit and run
$1604
$267
Driving with a suspended license
$1616
$275
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 New Waverly 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 Waverly.
The cheapest car insurance premiums in
New Waverly are
offered by American Family at $202 for a six-month policy.
However, it can be as
expensive as $2726 with companies
like Farmers.
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 Waverly are offered by Westfield
at $154. However,
it can be as expensive as $1913
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in New Waverly after Speeding ticket
Car Insurance Price Trends in New Waverly,
Indiana
Car insurance rates in New Waverly have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the New Waverly rose by
$156 in January
compared to $134 of December. In other words, there has been an increase by $22 when you
compare January and December.
The average cost of liability insurance in the New Waverly rose to $41 in January,
compared to $39 in December.
This represents an increase of $2
when comparing January and December.
Average Car Insurance Cost in New Waverly 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
New Waverly. At $1498 for a
six-month policy, insuring
your car at 46961 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 New Waverly?
The car insurance in New Waverly is $21 per month, which is lower than the national average.
What is the cheapest car insurance in New Waverly?
The cheapest car insurance in New Waverly
is $49 per month
for full coverage.
How much is car insurance in New Waverly for teenagers?
Car insurance for teenagers costs $149 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 Waverly?
The average cost of car insurance is $749 for a six-month
policy. It will cost around $126 per month to insure your
car in New Waverly.
Is car insurance expensive in New Waverly?
Car insurance can be expensive in New Waverly if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in New Waverly can be
affordable.
What is the best car insurance in New Waverly,
IN?
The best car insurance company in New Waverly
IN is
American Family, offering $291 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in New Waverly right now.
Find Car Insurance Rates in Cities Near New Waverly, IN
Car Insurance Rates by State in the USA (2025 Update)
New Waverly Car Insurance
