Cheapest Car Insurance Quotes in Rocky Ripple

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Rocky Ripple Car Insurance

^$ 25

/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 Rocky Ripple

The car insurance rate in Rocky Ripple is $780 for a six-month policy, which is $113 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $473, making it a popular choice for budget-conscious drivers. Rates in Rocky Ripple 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 Rocky Ripple

$780

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Rocky Ripple

1st place: AutoOwners Insurance Co

At $473 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 $480 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $598 for six months, making it the third cheapest auto insurance company in Rocky Ripple.

Rocky Ripple Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rocky Ripple, IN is AutoOwners Insurance Co, offering policies at just $473 for a six-month term. This is followed by Westfield, which has an average six-month premium of $480.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1446 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rocky Ripple drivers find the best deals.

Cheap Car Insurance Companies in Rocky Ripple, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$473	$78
Westfield	$480	$82
Nationwide	$598	$101
American Family	$619	$104
USAA	$660	$111
Hastings Mutual	$667	$112
Travelers	$737	$124
Hastings Insurance	$751	$128
Progressive	$771	$130
Auto-Owners	$799	$135
State Farm	$1071	$180
Farm Bureau	$1078	$184
Allstate	$1446	$243

Key Takeaways

Way's key takeaways about car insurance in Rocky Ripple

The auto insurance costs in Rocky Ripple fall around $473 for six months.
The cheapest auto insurance company in Rocky Ripple is Westfield.
Teen drivers pay the highest rate in Rocky Ripple at $642 per month.

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Cheapest Minimum Liability Car Insurance in Rocky Ripple

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 Rocky Ripple are given below.

Westfield provides the cheapest minimum car insurance coverage in Rocky Ripple. Their Average 6 Month Premium is $146. Farmers is the most expensive at $264 for the same period.

Cheapest Liability Coverage in Rocky Ripple, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$25
USAA	$187	$32
Auto-Owners Insurance Co	$194	$33
Hastings Mutual	$208	$35
Indiana Farmers	$215	$36
American Family	$236	$40
Auto-Owners	$236	$40
Progressive	$250	$42
Grange	$257	$43
Travelers	$264	$44
SafeAuto	$285	$48
State Farm	$305	$51
Farm Bureau	$347	$60
Allstate	$570	$96
Farmers	$264	$44

Cheapest Full Coverage Car Insurance in Rocky Ripple

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 Rocky Ripple is AutoOwners Insurance Co at $78 per month and $473 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rocky Ripple, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$473	$78
Westfield	$480	$82
Nationwide	$598	$101
American Family	$619	$104
USAA	$660	$111
Hastings Mutual	$667	$112
Travelers	$737	$124
Hastings Insurance	$751	$128
Progressive	$771	$130
Auto-Owners	$799	$135
State Farm	$1071	$180
Farm Bureau	$1078	$184
Allstate	$1446	$243

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Average Car Insurance in Rocky Ripple 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 Rocky Ripple, IN increasing?

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

Car Insurance Premiums by Age in Rocky Ripple

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	$502
40s	USAA	$470
50s	USAA	$445
60s	USAA	$463
70s	Buckeye Insurance Group	$495

Cheapest Car Insurance Rates for Teen Drivers in Rocky Ripple,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Rocky Ripple at $29 per month. At $3780 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
Auto-Owners Insurance Co	$250	$42
Grange	$271	$46
USAA	$556	$94
Travelers	$841	$142
Progressive	$973	$164
American Family	$1695	$285
Auto-Owners	$2259	$377
State Farm	$2349	$399
Allstate	$2794	$466
Farm Bureau	$3780	$642

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 Rocky Ripple.

As young drivers face the highest rates in Rocky Ripple, USAA offers the cheapest auto insurance rates at $502 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 Rocky Ripple, Westfield is the cheapest car insurance provider. At $278 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 Rocky Ripple is State Farm, offering rates of around $3413 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$278	$47
Nationwide	$326	$55
Grange	$347	$59
Travelers	$771	$130
Progressive	$813	$137
USAA	$889	$151
American Family	$952	$160
Allstate	$1154	$194
Farm Bureau	$2196	$366
Auto-Owners	$2370	$402
State Farm	$3413	$569

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Car Insurance Rates with An Accident in Rocky Ripple

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rocky Ripple

The cheapest car insurance companies after an at-fault accident in Rocky Ripple include AutoOwners Insurance Co and Indiana Farmers, offering $271 and $278, respectively. Allstate is an expensive provider with an average six-month premium of $2300.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$271	$46
Indiana Farmers	$278	$47
Grange	$305	$51
Farmers	$355	$61
USAA	$473	$80
Travelers	$549	$92
Auto-Owners	$563	$95
Progressive	$605	$102
State Farm	$646	$109
American Family	$882	$149
Farm Bureau	$1605	$268
Allstate	$2300	$391

Rocky Ripple Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rocky Ripple IN. For example, the car insurance in Rocky Ripple after a DUI increases to $883 for a six month policy. While the rate increases by $216 for a six-month policy in the case of a speeding ticket.

Rocky Ripple auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$959	$160
One Med/PIP claim	$959	$163
Not-at-fault accident	$1014	$170
Two Med/PIP claims	$1028	$174
One comp claim	$1035	$173
Failure to show documents	$1085	$185
Failure to wear a seat belt	$1092	$181
Two comp claims	$1099	$187
Child safety restraint	$1112	$185
Driving without lights	$1112	$190
Driving with expired registration	$1154	$192
Speeding 6 - 10 MPH over limit	$1175	$200
Driving too slowly	$1182	$197
Failure to yield	$1182	$201
Following too closely	$1182	$197
Illegal turn	$1182	$201
Speeding in school zone	$1182	$197
Cell phone violation	$1189	$202
Speeding 11 - 15 MPH over limit	$1189	$198
Texting while driving	$1189	$202
Wrong way/wrong lane	$1189	$198
Failure to stop at a red light	$1196	$204
Improper passing	$1203	$200
Speeding 16 - 20 MPH over limit	$1203	$205
At-fault accident - less than $1000	$1217	$202
Passing school bus	$1237	$211
Speeding 21 - 25 MPH over limit	$1300	$216
At-fault accident - $1000-$2000	$1341	$228
In 65 MPH zone	$1362	$227
At-fault accident - greater than $2000	$1369	$233
Operating a vehicle without permission	$1466	$245
Open container	$1480	$252
Racing	$1799	$300
Reckless driving	$1806	$308
Refusal to submit to a chemical test	$1828	$304
DUI	$1842	$314
Leaving scene of an accident/hit and run	$1877	$312
Driving with a suspended license	$1891	$322

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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 Rocky Ripple 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 Rocky Ripple.

The cheapest car insurance premiums in Rocky Ripple are offered by Grange at $431 for a six-month policy. However, it can be as expensive as $2196 with companies like Hastings Mutual.

Rocky Ripple car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$431	$71
Travelers	$577	$97
Progressive	$626	$105
USAA	$688	$116
American Family	$959	$161
State Farm	$1119	$188
Farm Bureau	$1279	$215
Allstate	$1334	$225
Auto-Owners	$1799	$303
Hastings Mutual	$2196	$373

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 Rocky Ripple are offered by Westfield at $180. However, it can be as expensive as $1799 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Rocky Ripple after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$180	$30
Auto-Owners Insurance Co	$250	$42
State Farm	$549	$92
Travelers	$598	$101
USAA	$612	$104
American Family	$626	$105
Progressive	$653	$110
Auto-Owners	$841	$140
Farm Bureau	$1293	$220
Allstate	$1799	$300

Car Insurance Price Trends in Rocky Ripple, Indiana

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

The average cost of full coverage in the Rocky Ripple remained steady at $157 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Rocky Ripple remained steady at $46 in both December and November, indicating no change over the two month period.

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Principal

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Frequently Asked Questions

How much is car insurance in Rocky Ripple?

The car insurance in Rocky Ripple is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Rocky Ripple?

The cheapest car insurance in Rocky Ripple is $78 per month for full coverage.

How much is car insurance in Rocky Ripple for teenagers?

Car insurance for teenagers costs $174 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 Rocky Ripple?

The average cost of car insurance is $667 for a six-month policy. It will cost around $131 per month to insure your car in Rocky Ripple.

Is car insurance expensive in Rocky Ripple?

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

Cheapest Car Insurance Quotes in Rocky Ripple

Why you can trust Way?

How Much Is Car Insurance in Rocky Ripple

Avg. Car Insurance in Rocky Ripple

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Rocky Ripple

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Rocky Ripple Car Insurance Rates by Company

Cheap Car Insurance Companies in Rocky Ripple, IN

Way's key takeaways about car insurance in Rocky Ripple

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rocky Ripple

Cheapest Liability Coverage in Rocky Ripple, IN

Cheapest Full Coverage Car Insurance in Rocky Ripple

Cheapest Full Coverage Car Insurance Quotes in Rocky Ripple, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rocky Ripple by Rating Factor

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

Car Insurance Premiums by Age in Rocky Ripple

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rocky Ripple,IN

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

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 Rocky Ripple

Cheapest Car Insurance Companies after an At-Fault Accident in Rocky Ripple

Rocky Ripple Car Insurance Rates by Violation

Rocky Ripple auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rocky Ripple after a DUI

Rocky Ripple car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rocky Ripple after Speeding ticket

Car Insurance Price Trends in Rocky Ripple, Indiana

Average Car Insurance Cost in Rocky Ripple by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rocky Ripple, IN

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

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