Cheapest Car Insurance Quotes in Point Isabel

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Point Isabel 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 Point Isabel

The car insurance rate in Point Isabel is $712 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $276, making it a popular choice for budget-conscious drivers. Rates in Point Isabel 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 Point Isabel

$712

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Point Isabel

1st place: American Family

At $276 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 $384 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $390 for six months, making it the third cheapest auto insurance company in Point Isabel.

Point Isabel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Point Isabel, IN is American Family, offering policies at just $276 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $384.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1445 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Point Isabel drivers find the best deals.

Cheap Car Insurance Companies in Point Isabel, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$276	$47
Auto-Owners Insurance Co	$384	$66
Westfield	$390	$65
Nationwide	$485	$82
Hastings Mutual	$542	$91
USAA	$553	$93
Hastings Insurance	$610	$102
Progressive	$643	$108
Travelers	$643	$108
Auto-Owners	$728	$123
Farm Bureau	$931	$155
State Farm	$1033	$174
Allstate	$1303	$219
Farmers	$1445	$246

Key Takeaways

Way's key takeaways about car insurance in Point Isabel

The auto insurance costs in Point Isabel fall around $276 for six months.
The cheapest auto insurance company in Point Isabel is Westfield.
Teen drivers pay the highest rate in Point Isabel at $627 per month.

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

Cheapest Minimum Liability Car Insurance in Point Isabel

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 Point Isabel are given below.

Westfield provides the cheapest minimum car insurance coverage in Point Isabel. Their Average 6 Month Premium is $119. Farmers is the most expensive at $519 for the same period.

Cheapest Liability Coverage in Point Isabel, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$119	$20
American Family	$152	$26
Auto-Owners Insurance Co	$158	$27
USAA	$158	$27
Hastings Mutual	$169	$29
Indiana Farmers	$175	$29
Progressive	$203	$34
Auto-Owners	$209	$35
Grange	$209	$35
Travelers	$220	$37
SafeAuto	$232	$39
Farm Bureau	$282	$48
State Farm	$282	$48
Allstate	$491	$83
Farmers	$519	$86

Cheapest Full Coverage Car Insurance in Point Isabel

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 Point Isabel is American Family at $47 per month and $276 for six months.

Cheapest Full Coverage Car Insurance Quotes in Point Isabel, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$276	$47
Auto-Owners Insurance Co	$384	$66
Westfield	$390	$65
Nationwide	$485	$82
Hastings Mutual	$542	$91
USAA	$553	$93
Hastings Insurance	$610	$102
Progressive	$643	$108
Travelers	$643	$108
Auto-Owners	$728	$123
Farm Bureau	$931	$155
State Farm	$1033	$174
Allstate	$1303	$219
Farmers	$1445	$246

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Average Car Insurance in Point Isabel 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 Point Isabel, IN increasing?

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

Car Insurance Premiums by Age in Point Isabel

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	$365
40s	USAA	$342
50s	USAA	$324
60s	USAA	$337
70s	Buckeye Insurance Group	$360

Cheapest Car Insurance Rates for Teen Drivers in Point Isabel,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Point Isabel at $24 per month. At $3685 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$142	$24
American Family	$158	$27
Auto-Owners Insurance Co	$203	$34
Grange	$220	$37
USAA	$620	$105
Travelers	$801	$135
Progressive	$869	$146
Auto-Owners	$2133	$363
Allstate	$2782	$464
State Farm	$2946	$501
Farm Bureau	$3278	$546
Farmers	$3685	$627

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 Point Isabel.

As young drivers face the highest rates in Point Isabel, USAA offers the cheapest auto insurance rates at $365 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 Point Isabel, 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 Point Isabel is State Farm, offering rates of around $4221 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$226	$38
American Family	$237	$40
Nationwide	$265	$45
Grange	$282	$48
Progressive	$722	$122
Travelers	$728	$123
USAA	$846	$144
Allstate	$1129	$190
Farm Bureau	$1908	$324
Auto-Owners	$2359	$393
Farmers	$2359	$401
State Farm	$4221	$704

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

Car Insurance Rates with An Accident in Point Isabel

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

Cheapest Car Insurance Companies after an At-Fault Accident in Point Isabel

The cheapest car insurance companies after an at-fault accident in Point Isabel include American Family and AutoOwners Insurance Co, offering $192 and $220, respectively. Allstate is an expensive provider with an average six-month premium of $2330.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$192	$32
Auto-Owners Insurance Co	$220	$37
Indiana Farmers	$226	$38
Grange	$248	$42
USAA	$434	$73
Travelers	$503	$85
Auto-Owners	$524	$88
Progressive	$536	$90
State Farm	$733	$124
Farmers	$1151	$194
Farm Bureau	$1382	$231
Allstate	$2330	$396

Point Isabel Car Insurance Rates by Violation

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

Point Isabel 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 Point Isabel 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 Point Isabel.

The cheapest car insurance premiums in Point Isabel are offered by American Family at $192 for a six-month policy. However, it can be as expensive as $2590 with companies like Farmers.

Point Isabel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$192	$32
Grange	$350	$60
Travelers	$530	$89
Progressive	$536	$90
USAA	$655	$110
Farm Bureau	$1089	$183
State Farm	$1100	$185
Allstate	$1202	$202
Auto-Owners	$1659	$279
Hastings Mutual	$1783	$303
Farmers	$2590	$431

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 Point Isabel are offered by Westfield at $146. However, it can be as expensive as $1817 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Point Isabel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$25
American Family	$192	$32
Auto-Owners Insurance Co	$203	$34
Travelers	$570	$96
Progressive	$581	$98
USAA	$581	$97
State Farm	$620	$105
Auto-Owners	$841	$141
Farm Bureau	$1117	$190
Farmers	$1795	$299
Allstate	$1817	$309

Car Insurance Price Trends in Point Isabel, Indiana

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

The average cost of full coverage in the Point Isabel rose by $148 in January compared to $127 of December. In other words, there has been an increase by $21 when you compare January and December.

The average cost of liability insurance in the Point Isabel rose to $39 in January, compared to $37 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 Point Isabel?

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

What is the cheapest car insurance in Point Isabel?

The cheapest car insurance in Point Isabel is $47 per month for full coverage.

How much is car insurance in Point Isabel 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 Point Isabel?

The average cost of car insurance is $749 for a six-month policy. It will cost around $120 per month to insure your car in Point Isabel.

Is car insurance expensive in Point Isabel?

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

Cheapest Car Insurance Quotes in Point Isabel

Why you can trust Way?

How Much Is Car Insurance in Point Isabel

Avg. Car Insurance in Point Isabel

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Point Isabel

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Point Isabel Car Insurance Rates by Company

Cheap Car Insurance Companies in Point Isabel, IN

Way's key takeaways about car insurance in Point Isabel

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Point Isabel

Cheapest Liability Coverage in Point Isabel, IN

Cheapest Full Coverage Car Insurance in Point Isabel

Cheapest Full Coverage Car Insurance Quotes in Point Isabel, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Point Isabel by Rating Factor

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

Car Insurance Premiums by Age in Point Isabel

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Point Isabel,IN

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

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 Point Isabel

Cheapest Car Insurance Companies after an At-Fault Accident in Point Isabel

Point Isabel Car Insurance Rates by Violation

Point Isabel auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Point Isabel after a DUI

Point Isabel car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Point Isabel after Speeding ticket

Car Insurance Price Trends in Point Isabel, Indiana

Average Car Insurance Cost in Point Isabel by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Point Isabel, IN

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

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