Cheapest Car Insurance Quotes in Owensville

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Owensville Car Insurance

^$ 23

/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 Owensville

The car insurance rate in Owensville is $824 for a six-month policy, which is $75 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $320, making it a popular choice for budget-conscious drivers. Rates in Owensville 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 Owensville

$824

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Owensville

1st place: American Family

At $320 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 $444 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $451 for six months, making it the third cheapest auto insurance company in Owensville.

Owensville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Owensville, IN is American Family, offering policies at just $320 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $444.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1673 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Owensville drivers find the best deals.

Cheap Car Insurance Companies in Owensville, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$320	$54
Auto-Owners Insurance Co	$444	$76
Westfield	$451	$75
Nationwide	$562	$95
Hastings Mutual	$627	$106
USAA	$640	$108
Hastings Insurance	$706	$118
Progressive	$745	$125
Travelers	$745	$125
Auto-Owners	$843	$142
Farm Bureau	$1078	$179
State Farm	$1196	$201
Allstate	$1509	$254
Farmers	$1673	$285

Key Takeaways

Way's key takeaways about car insurance in Owensville

The auto insurance costs in Owensville fall around $320 for six months.
The cheapest auto insurance company in Owensville is Westfield.
Teen drivers pay the highest rate in Owensville at $726 per month.

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

Cheapest Minimum Liability Car Insurance in Owensville

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 Owensville are given below.

Westfield provides the cheapest minimum car insurance coverage in Owensville. Their Average 6 Month Premium is $138. Farmers is the most expensive at $601 for the same period.

Cheapest Liability Coverage in Owensville, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$138	$23
American Family	$176	$30
Auto-Owners Insurance Co	$183	$31
USAA	$183	$31
Hastings Mutual	$196	$33
Indiana Farmers	$202	$34
Progressive	$235	$40
Auto-Owners	$242	$41
Grange	$242	$41
Travelers	$255	$43
SafeAuto	$268	$45
Farm Bureau	$327	$56
State Farm	$327	$55
Allstate	$569	$96
Farmers	$601	$100

Cheapest Full Coverage Car Insurance in Owensville

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 Owensville is American Family at $54 per month and $320 for six months.

Cheapest Full Coverage Car Insurance Quotes in Owensville, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$320	$54
Auto-Owners Insurance Co	$444	$76
Westfield	$451	$75
Nationwide	$562	$95
Hastings Mutual	$627	$106
USAA	$640	$108
Hastings Insurance	$706	$118
Progressive	$745	$125
Travelers	$745	$125
Auto-Owners	$843	$142
Farm Bureau	$1078	$179
State Farm	$1196	$201
Allstate	$1509	$254
Farmers	$1673	$285

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Average Car Insurance in Owensville 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 Owensville, IN increasing?

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

Car Insurance Premiums by Age in Owensville

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	$422
40s	USAA	$396
50s	USAA	$375
60s	USAA	$391
70s	Buckeye Insurance Group	$417

Cheapest Car Insurance Rates for Teen Drivers in Owensville,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Owensville at $28 per month. At $4267 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$164	$28
American Family	$183	$31
Auto-Owners Insurance Co	$235	$40
Grange	$255	$43
USAA	$718	$121
Travelers	$927	$156
Progressive	$1007	$169
Auto-Owners	$2470	$420
Allstate	$3221	$537
State Farm	$3411	$580
Farm Bureau	$3796	$633
Farmers	$4267	$726

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 Owensville.

As young drivers face the highest rates in Owensville, USAA offers the cheapest auto insurance rates at $422 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 Owensville, Westfield is the cheapest car insurance provider. At $262 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 Owensville is State Farm, offering rates of around $4887 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$262	$44
American Family	$274	$46
Nationwide	$307	$52
Grange	$327	$55
Progressive	$836	$141
Travelers	$843	$142
USAA	$980	$167
Allstate	$1307	$220
Farm Bureau	$2209	$375
Auto-Owners	$2731	$455
Farmers	$2731	$464
State Farm	$4887	$815

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Owensville

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

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

The cheapest car insurance companies after an at-fault accident in Owensville include American Family and AutoOwners Insurance Co, offering $222 and $255, respectively. Allstate is an expensive provider with an average six-month premium of $2698.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$222	$37
Auto-Owners Insurance Co	$255	$43
Indiana Farmers	$262	$44
Grange	$287	$48
USAA	$503	$85
Travelers	$582	$98
Auto-Owners	$607	$102
Progressive	$620	$105
State Farm	$849	$143
Farmers	$1333	$224
Farm Bureau	$1601	$267
Allstate	$2698	$459

Owensville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Owensville IN. For example, the car insurance in Owensville after a DUI increases to $829 for a six month policy. While the rate increases by $202 for a six-month policy in the case of a speeding ticket.

Owensville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$902	$151
One Med/PIP claim	$902	$153
Not-at-fault accident	$954	$160
Two Med/PIP claims	$967	$164
One comp claim	$974	$163
Failure to show documents	$1020	$174
Failure to wear a seat belt	$1026	$171
Two comp claims	$1033	$176
Child safety restraint	$1045	$174
Driving without lights	$1045	$178
Driving with expired registration	$1085	$180
Speeding 6 - 10 MPH over limit	$1104	$188
Driving too slowly	$1111	$185
Failure to yield	$1111	$189
Following too closely	$1111	$185
Illegal turn	$1111	$189
Speeding in school zone	$1111	$185
Cell phone violation	$1118	$190
Speeding 11 - 15 MPH over limit	$1118	$186
Texting while driving	$1118	$190
Wrong way/wrong lane	$1118	$186
Failure to stop at a red light	$1124	$191
Improper passing	$1131	$188
Speeding 16 - 20 MPH over limit	$1131	$193
At-fault accident - less than $1000	$1144	$190
Passing school bus	$1163	$198
Speeding 21 - 25 MPH over limit	$1222	$204
At-fault accident - $1000-$2000	$1261	$215
In 65 MPH zone	$1280	$213
At-fault accident - greater than $2000	$1287	$219
Operating a vehicle without permission	$1378	$230
Open container	$1392	$237
Racing	$1692	$282
Reckless driving	$1698	$289
Refusal to submit to a chemical test	$1718	$286
DUI	$1731	$295
Leaving scene of an accident/hit and run	$1764	$294
Driving with a suspended license	$1778	$303

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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 Owensville 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 Owensville.

The cheapest car insurance premiums in Owensville are offered by American Family at $222 for a six-month policy. However, it can be as expensive as $2999 with companies like Farmers.

Owensville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$222	$37
Grange	$405	$69
Travelers	$614	$103
Progressive	$620	$105
USAA	$758	$128
Farm Bureau	$1261	$212
State Farm	$1274	$215
Allstate	$1392	$234
Auto-Owners	$1921	$323
Hastings Mutual	$2065	$351
Farmers	$2999	$499

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 Owensville are offered by Westfield at $169. However, it can be as expensive as $2104 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Owensville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$169	$29
American Family	$222	$37
Auto-Owners Insurance Co	$235	$40
Travelers	$660	$111
Progressive	$673	$113
USAA	$673	$112
State Farm	$718	$121
Auto-Owners	$974	$163
Farm Bureau	$1294	$220
Farmers	$2078	$347
Allstate	$2104	$358

Car Insurance Price Trends in Owensville, Indiana

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

The average cost of full coverage in the Owensville rose by $172 in January compared to $147 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the Owensville rose to $45 in January, compared to $43 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 Owensville?

The car insurance in Owensville is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Owensville?

The cheapest car insurance in Owensville is $54 per month for full coverage.

How much is car insurance in Owensville for teenagers?

Car insurance for teenagers costs $164 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 Owensville?

The average cost of car insurance is $749 for a six-month policy. It will cost around $139 per month to insure your car in Owensville.

Is car insurance expensive in Owensville?

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

Cheapest Car Insurance Quotes in Owensville

Why you can trust Way?

How Much Is Car Insurance in Owensville

Avg. Car Insurance in Owensville

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Owensville

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Owensville Car Insurance Rates by Company

Cheap Car Insurance Companies in Owensville, IN

Way's key takeaways about car insurance in Owensville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Owensville

Cheapest Liability Coverage in Owensville, IN

Cheapest Full Coverage Car Insurance in Owensville

Cheapest Full Coverage Car Insurance Quotes in Owensville, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Owensville by Rating Factor

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

Car Insurance Premiums by Age in Owensville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Owensville,IN

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

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 Owensville

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

Owensville Car Insurance Rates by Violation

Owensville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Owensville after a DUI

Owensville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Owensville after Speeding ticket

Car Insurance Price Trends in Owensville, Indiana

Average Car Insurance Cost in Owensville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Owensville, IN

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

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