Cheapest Car Insurance Quotes in Saratoga

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Saratoga 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 Saratoga

The car insurance rate in Saratoga is $719 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $279, making it a popular choice for budget-conscious drivers. Rates in Saratoga 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 Saratoga

$719

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Saratoga

1st place: American Family

At $279 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 $388 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $394 for six months, making it the third cheapest auto insurance company in Saratoga.

Saratoga Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Saratoga, IN is American Family, offering policies at just $279 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $388.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1460 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Saratoga drivers find the best deals.

Cheap Car Insurance Companies in Saratoga, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$279	$47
Auto-Owners Insurance Co	$388	$66
Westfield	$394	$65
Nationwide	$491	$83
Hastings Mutual	$547	$92
USAA	$559	$94
Hastings Insurance	$616	$103
Progressive	$650	$109
Travelers	$650	$109
Auto-Owners	$735	$124
Farm Bureau	$941	$156
State Farm	$1044	$176
Allstate	$1317	$222
Farmers	$1460	$249

Key Takeaways

Way's key takeaways about car insurance in Saratoga

The auto insurance costs in Saratoga fall around $279 for six months.
The cheapest auto insurance company in Saratoga is Westfield.
Teen drivers pay the highest rate in Saratoga at $634 per month.

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Cheapest Minimum Liability Car Insurance in Saratoga

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 Saratoga are given below.

Westfield provides the cheapest minimum car insurance coverage in Saratoga. Their Average 6 Month Premium is $120. Farmers is the most expensive at $524 for the same period.

Cheapest Liability Coverage in Saratoga, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$120	$20
American Family	$154	$26
Auto-Owners Insurance Co	$159	$27
USAA	$159	$27
Hastings Mutual	$171	$29
Indiana Farmers	$177	$30
Progressive	$205	$35
Auto-Owners	$211	$36
Grange	$211	$36
Travelers	$223	$37
SafeAuto	$234	$39
Farm Bureau	$285	$49
State Farm	$285	$48
Allstate	$496	$84
Farmers	$524	$87

Cheapest Full Coverage Car Insurance in Saratoga

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 Saratoga is American Family at $47 per month and $279 for six months.

Cheapest Full Coverage Car Insurance Quotes in Saratoga, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$279	$47
Auto-Owners Insurance Co	$388	$66
Westfield	$394	$65
Nationwide	$491	$83
Hastings Mutual	$547	$92
USAA	$559	$94
Hastings Insurance	$616	$103
Progressive	$650	$109
Travelers	$650	$109
Auto-Owners	$735	$124
Farm Bureau	$941	$156
State Farm	$1044	$176
Allstate	$1317	$222
Farmers	$1460	$249

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Average Car Insurance in Saratoga 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 Saratoga, IN increasing?

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

Car Insurance Premiums by Age in Saratoga

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	$369
40s	USAA	$346
50s	USAA	$327
60s	USAA	$341
70s	Buckeye Insurance Group	$364

Cheapest Car Insurance Rates for Teen Drivers in Saratoga,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Saratoga at $24 per month. At $3724 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$143	$24
American Family	$159	$27
Auto-Owners Insurance Co	$205	$35
Grange	$223	$37
USAA	$627	$106
Travelers	$809	$136
Progressive	$878	$148
Auto-Owners	$2155	$367
Allstate	$2811	$468
State Farm	$2977	$506
Farm Bureau	$3313	$552
Farmers	$3724	$634

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 Saratoga.

As young drivers face the highest rates in Saratoga, USAA offers the cheapest auto insurance rates at $369 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 Saratoga, Westfield is the cheapest car insurance provider. At $228 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 Saratoga is State Farm, offering rates of around $4265 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$228	$38
American Family	$239	$40
Nationwide	$268	$45
Grange	$285	$48
Progressive	$730	$123
Travelers	$735	$124
USAA	$855	$146
Allstate	$1140	$192
Farm Bureau	$1928	$327
Auto-Owners	$2384	$397
Farmers	$2384	$405
State Farm	$4265	$711

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

Car Insurance Rates with An Accident in Saratoga

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

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

The cheapest car insurance companies after an at-fault accident in Saratoga include American Family and AutoOwners Insurance Co, offering $194 and $223, respectively. Allstate is an expensive provider with an average six-month premium of $2355.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$194	$33
Auto-Owners Insurance Co	$223	$37
Indiana Farmers	$228	$38
Grange	$251	$42
USAA	$439	$74
Travelers	$508	$85
Auto-Owners	$530	$89
Progressive	$541	$91
State Farm	$741	$125
Farmers	$1164	$196
Farm Bureau	$1397	$233
Allstate	$2355	$400

Saratoga Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Saratoga IN. For example, the car insurance in Saratoga after a DUI increases to $724 for a six month policy. While the rate increases by $177 for a six-month policy in the case of a speeding ticket.

Saratoga auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$787	$132
One Med/PIP claim	$787	$133
Not-at-fault accident	$832	$139
Two Med/PIP claims	$844	$143
One comp claim	$850	$142
Failure to show documents	$890	$152
Failure to wear a seat belt	$896	$149
Two comp claims	$901	$154
Child safety restraint	$912	$152
Driving without lights	$912	$156
Driving with expired registration	$947	$157
Speeding 6 - 10 MPH over limit	$964	$164
Driving too slowly	$970	$161
Failure to yield	$970	$165
Following too closely	$970	$161
Illegal turn	$970	$165
Speeding in school zone	$970	$161
Cell phone violation	$975	$166
Speeding 11 - 15 MPH over limit	$975	$162
Texting while driving	$975	$166
Wrong way/wrong lane	$975	$162
Failure to stop at a red light	$981	$167
Improper passing	$987	$164
Speeding 16 - 20 MPH over limit	$987	$168
At-fault accident - less than $1000	$998	$166
Passing school bus	$1015	$173
Speeding 21 - 25 MPH over limit	$1067	$178
At-fault accident - $1000-$2000	$1100	$187
In 65 MPH zone	$1117	$186
At-fault accident - greater than $2000	$1123	$191
Operating a vehicle without permission	$1203	$201
Open container	$1214	$206
Racing	$1476	$246
Reckless driving	$1482	$252
Refusal to submit to a chemical test	$1500	$250
DUI	$1511	$257
Leaving scene of an accident/hit and run	$1540	$256
Driving with a suspended license	$1551	$264

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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 Saratoga 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 Saratoga.

The cheapest car insurance premiums in Saratoga are offered by American Family at $194 for a six-month policy. However, it can be as expensive as $2617 with companies like Farmers.

Saratoga car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$194	$33
Grange	$353	$60
Travelers	$536	$90
Progressive	$541	$91
USAA	$661	$111
Farm Bureau	$1100	$185
State Farm	$1112	$187
Allstate	$1214	$204
Auto-Owners	$1676	$282
Hastings Mutual	$1802	$306
Farmers	$2617	$436

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 Saratoga are offered by Westfield at $148. However, it can be as expensive as $1836 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Saratoga after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$148	$25
American Family	$194	$33
Auto-Owners Insurance Co	$205	$35
Travelers	$576	$97
Progressive	$588	$99
USAA	$588	$98
State Farm	$627	$106
Auto-Owners	$850	$142
Farm Bureau	$1129	$192
Farmers	$1813	$302
Allstate	$1836	$312

Car Insurance Price Trends in Saratoga, Indiana

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

The average cost of full coverage in the Saratoga rose by $150 in January compared to $129 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 Saratoga 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 Saratoga?

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

What is the cheapest car insurance in Saratoga?

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

How much is car insurance in Saratoga for teenagers?

Car insurance for teenagers costs $143 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 Saratoga?

The average cost of car insurance is $749 for a six-month policy. It will cost around $121 per month to insure your car in Saratoga.

Is car insurance expensive in Saratoga?

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

Cheapest Car Insurance Quotes in Saratoga

Why you can trust Way?

How Much Is Car Insurance in Saratoga

Avg. Car Insurance in Saratoga

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Saratoga

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Saratoga Car Insurance Rates by Company

Cheap Car Insurance Companies in Saratoga, IN

Way's key takeaways about car insurance in Saratoga

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Saratoga

Cheapest Liability Coverage in Saratoga, IN

Cheapest Full Coverage Car Insurance in Saratoga

Cheapest Full Coverage Car Insurance Quotes in Saratoga, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Saratoga by Rating Factor

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

Car Insurance Premiums by Age in Saratoga

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Saratoga,IN

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

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 Saratoga

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

Saratoga Car Insurance Rates by Violation

Saratoga auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Saratoga after a DUI

Saratoga car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Saratoga after Speeding ticket

Car Insurance Price Trends in Saratoga, Indiana

Average Car Insurance Cost in Saratoga by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Saratoga, IN

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

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Data Sources