Cheapest Car Insurance Quotes in Otterbein

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Otterbein Car Insurance

^$ 20

/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 Otterbein

The car insurance rate in Otterbein is $634 for a six-month policy, which is $33 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $384, making it a popular choice for budget-conscious drivers. Rates in Otterbein 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 Otterbein

$634

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Otterbein

1st place: AutoOwners Insurance Co

At $384 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 $390 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $485 for six months, making it the third cheapest auto insurance company in Otterbein.

Otterbein Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Otterbein, IN is AutoOwners Insurance Co, offering policies at just $384 for a six-month term. This is followed by Westfield, which has an average six-month premium of $390.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1174 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Otterbein drivers find the best deals.

Cheap Car Insurance Companies in Otterbein, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$384	$64
Westfield	$390	$67
Nationwide	$485	$82
American Family	$503	$85
USAA	$536	$90
Hastings Mutual	$542	$91
Travelers	$599	$101
Hastings Insurance	$610	$104
Progressive	$626	$105
Auto-Owners	$649	$109
State Farm	$869	$146
Farm Bureau	$875	$149
Allstate	$1174	$198

Key Takeaways

Way's key takeaways about car insurance in Otterbein

The auto insurance costs in Otterbein fall around $384 for six months.
The cheapest auto insurance company in Otterbein is Westfield.
Teen drivers pay the highest rate in Otterbein at $522 per month.

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Cheapest Minimum Liability Car Insurance in Otterbein

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 Otterbein are given below.

Westfield provides the cheapest minimum car insurance coverage in Otterbein. Their Average 6 Month Premium is $119. Farmers is the most expensive at $215 for the same period.

Cheapest Liability Coverage in Otterbein, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$119	$20
USAA	$152	$26
Auto-Owners Insurance Co	$158	$27
Hastings Mutual	$169	$29
Indiana Farmers	$175	$29
American Family	$192	$32
Auto-Owners	$192	$32
Progressive	$203	$34
Grange	$209	$35
Travelers	$215	$36
SafeAuto	$232	$39
State Farm	$248	$42
Farm Bureau	$282	$48
Allstate	$463	$78
Farmers	$215	$36

Cheapest Full Coverage Car Insurance in Otterbein

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 Otterbein is AutoOwners Insurance Co at $64 per month and $384 for six months.

Cheapest Full Coverage Car Insurance Quotes in Otterbein, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$384	$64
Westfield	$390	$67
Nationwide	$485	$82
American Family	$503	$85
USAA	$536	$90
Hastings Mutual	$542	$91
Travelers	$599	$101
Hastings Insurance	$610	$104
Progressive	$626	$105
Auto-Owners	$649	$109
State Farm	$869	$146
Farm Bureau	$875	$149
Allstate	$1174	$198

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Average Car Insurance in Otterbein 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 Otterbein, IN increasing?

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

Car Insurance Premiums by Age in Otterbein

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	$408
40s	USAA	$382
50s	USAA	$361
60s	USAA	$376
70s	Buckeye Insurance Group	$402

Cheapest Car Insurance Rates for Teen Drivers in Otterbein,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Otterbein at $24 per month. At $3069 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$142	$24
Auto-Owners Insurance Co	$203	$34
Grange	$220	$37
USAA	$451	$76
Travelers	$683	$115
Progressive	$790	$133
American Family	$1377	$232
Auto-Owners	$1834	$306
State Farm	$1908	$324
Allstate	$2269	$378
Farm Bureau	$3069	$522

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 Otterbein.

As young drivers face the highest rates in Otterbein, USAA offers the cheapest auto insurance rates at $408 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 Otterbein, Westfield is the cheapest car insurance provider. At $226 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 Otterbein is State Farm, offering rates of around $2771 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$226	$38
Nationwide	$265	$45
Grange	$282	$48
Travelers	$626	$105
Progressive	$660	$111
USAA	$722	$123
American Family	$773	$130
Allstate	$937	$158
Farm Bureau	$1783	$297
Auto-Owners	$1925	$327
State Farm	$2771	$462

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Car Insurance Rates with An Accident in Otterbein

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

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

The cheapest car insurance companies after an at-fault accident in Otterbein include AutoOwners Insurance Co and Indiana Farmers, offering $220 and $226, respectively. Allstate is an expensive provider with an average six-month premium of $1868.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$220	$37
Indiana Farmers	$226	$38
Grange	$248	$42
Farmers	$288	$49
USAA	$384	$65
Travelers	$446	$75
Auto-Owners	$457	$77
Progressive	$491	$83
State Farm	$524	$88
American Family	$716	$121
Farm Bureau	$1303	$218
Allstate	$1868	$317

Otterbein Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Otterbein IN. For example, the car insurance in Otterbein after a DUI increases to $716 for a six month policy. While the rate increases by $175 for a six-month policy in the case of a speeding ticket.

Otterbein auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$779	$130
One Med/PIP claim	$779	$132
Not-at-fault accident	$824	$138
Two Med/PIP claims	$835	$142
One comp claim	$841	$141
Failure to show documents	$881	$150
Failure to wear a seat belt	$886	$147
Two comp claims	$892	$152
Child safety restraint	$903	$150
Driving without lights	$903	$154
Driving with expired registration	$937	$156
Speeding 6 - 10 MPH over limit	$954	$162
Driving too slowly	$960	$160
Failure to yield	$960	$163
Following too closely	$960	$160
Illegal turn	$960	$163
Speeding in school zone	$960	$160
Cell phone violation	$965	$164
Speeding 11 - 15 MPH over limit	$965	$161
Texting while driving	$965	$164
Wrong way/wrong lane	$965	$161
Failure to stop at a red light	$971	$165
Improper passing	$977	$162
Speeding 16 - 20 MPH over limit	$977	$166
At-fault accident - less than $1000	$988	$164
Passing school bus	$1004	$171
Speeding 21 - 25 MPH over limit	$1055	$176
At-fault accident - $1000-$2000	$1089	$185
In 65 MPH zone	$1106	$184
At-fault accident - greater than $2000	$1112	$189
Operating a vehicle without permission	$1190	$199
Open container	$1202	$204
Racing	$1461	$243
Reckless driving	$1467	$250
Refusal to submit to a chemical test	$1484	$247
DUI	$1495	$255
Leaving scene of an accident/hit and run	$1524	$254
Driving with a suspended license	$1535	$261

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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 Otterbein 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 Otterbein.

The cheapest car insurance premiums in Otterbein are offered by Grange at $350 for a six-month policy. However, it can be as expensive as $1783 with companies like Hastings Mutual.

Otterbein car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$350	$58
Travelers	$468	$79
Progressive	$508	$86
USAA	$559	$94
American Family	$779	$131
State Farm	$908	$153
Farm Bureau	$1038	$175
Allstate	$1083	$182
Auto-Owners	$1461	$246
Hastings Mutual	$1783	$303

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 Otterbein are offered by Westfield at $146. However, it can be as expensive as $1461 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Otterbein after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$25
Auto-Owners Insurance Co	$203	$34
State Farm	$446	$75
Travelers	$485	$82
USAA	$497	$85
American Family	$508	$86
Progressive	$530	$89
Auto-Owners	$683	$114
Farm Bureau	$1050	$179
Allstate	$1461	$243

Car Insurance Price Trends in Otterbein, Indiana

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

The average cost of full coverage in the Otterbein remained steady at $127 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Otterbein remained steady at $37 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 Otterbein?

The car insurance in Otterbein is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Otterbein?

The cheapest car insurance in Otterbein is $64 per month for full coverage.

How much is car insurance in Otterbein for teenagers?

Car insurance for teenagers costs $142 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 Otterbein?

The average cost of car insurance is $667 for a six-month policy. It will cost around $106 per month to insure your car in Otterbein.

Is car insurance expensive in Otterbein?

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

Cheapest Car Insurance Quotes in Otterbein

Why you can trust Way?

How Much Is Car Insurance in Otterbein

Avg. Car Insurance in Otterbein

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Otterbein

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Otterbein Car Insurance Rates by Company

Cheap Car Insurance Companies in Otterbein, IN

Way's key takeaways about car insurance in Otterbein

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Otterbein

Cheapest Liability Coverage in Otterbein, IN

Cheapest Full Coverage Car Insurance in Otterbein

Cheapest Full Coverage Car Insurance Quotes in Otterbein, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Otterbein by Rating Factor

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

Car Insurance Premiums by Age in Otterbein

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Otterbein,IN

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

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 Otterbein

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

Otterbein Car Insurance Rates by Violation

Otterbein auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Otterbein after a DUI

Otterbein car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Otterbein after Speeding ticket

Car Insurance Price Trends in Otterbein, Indiana

Average Car Insurance Cost in Otterbein by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Otterbein, IN

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

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