Cheapest Car Insurance Quotes in Schneider

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406,175 Policies Sold

Schneider Car Insurance

^$ 24

/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 Schneider

The car insurance rate in Schneider is $846 for a six-month policy, which is $97 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $329, making it a popular choice for budget-conscious drivers. Rates in Schneider 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 Schneider

$846

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Schneider

1st place: American Family

At $329 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 $457 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $463 for six months, making it the third cheapest auto insurance company in Schneider.

Schneider Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Schneider, IN is American Family, offering policies at just $329 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $457.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1719 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Schneider drivers find the best deals.

Cheap Car Insurance Companies in Schneider, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$329	$55
Auto-Owners Insurance Co	$457	$78
Westfield	$463	$77
Nationwide	$577	$97
Hastings Mutual	$644	$108
USAA	$658	$111
Hastings Insurance	$725	$121
Progressive	$765	$129
Travelers	$765	$129
Auto-Owners	$866	$146
Farm Bureau	$1107	$184
State Farm	$1228	$207
Allstate	$1550	$261
Farmers	$1719	$293

Key Takeaways

Way's key takeaways about car insurance in Schneider

The auto insurance costs in Schneider fall around $329 for six months.
The cheapest auto insurance company in Schneider is Westfield.
Teen drivers pay the highest rate in Schneider at $746 per month.

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Cheapest Minimum Liability Car Insurance in Schneider

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 Schneider are given below.

Westfield provides the cheapest minimum car insurance coverage in Schneider. Their Average 6 Month Premium is $141. Farmers is the most expensive at $617 for the same period.

Cheapest Liability Coverage in Schneider, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$141	$24
American Family	$181	$31
Auto-Owners Insurance Co	$188	$32
USAA	$188	$32
Hastings Mutual	$201	$34
Indiana Farmers	$208	$35
Progressive	$242	$41
Auto-Owners	$249	$42
Grange	$249	$42
Travelers	$262	$44
SafeAuto	$276	$46
Farm Bureau	$336	$58
State Farm	$336	$56
Allstate	$584	$98
Farmers	$617	$103

Cheapest Full Coverage Car Insurance in Schneider

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 Schneider is American Family at $55 per month and $329 for six months.

Cheapest Full Coverage Car Insurance Quotes in Schneider, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$329	$55
Auto-Owners Insurance Co	$457	$78
Westfield	$463	$77
Nationwide	$577	$97
Hastings Mutual	$644	$108
USAA	$658	$111
Hastings Insurance	$725	$121
Progressive	$765	$129
Travelers	$765	$129
Auto-Owners	$866	$146
Farm Bureau	$1107	$184
State Farm	$1228	$207
Allstate	$1550	$261
Farmers	$1719	$293

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Average Car Insurance in Schneider 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 Schneider, IN increasing?

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

Car Insurance Premiums by Age in Schneider

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	$434
40s	USAA	$407
50s	USAA	$385
60s	USAA	$401
70s	Buckeye Insurance Group	$428

Cheapest Car Insurance Rates for Teen Drivers in Schneider,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Schneider at $28 per month. At $4383 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$168	$28
American Family	$188	$32
Auto-Owners Insurance Co	$242	$41
Grange	$262	$44
USAA	$738	$124
Travelers	$953	$160
Progressive	$1034	$174
Auto-Owners	$2537	$432
Allstate	$3309	$551
State Farm	$3504	$596
Farm Bureau	$3900	$650
Farmers	$4383	$746

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 Schneider.

As young drivers face the highest rates in Schneider, USAA offers the cheapest auto insurance rates at $434 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 Schneider, Westfield is the cheapest car insurance provider. At $269 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 Schneider is State Farm, offering rates of around $5021 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$269	$45
American Family	$281	$47
Nationwide	$315	$53
Grange	$336	$56
Progressive	$859	$145
Travelers	$866	$146
USAA	$1007	$172
Allstate	$1342	$226
Farm Bureau	$2269	$385
Auto-Owners	$2806	$468
Farmers	$2806	$477
State Farm	$5021	$837

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

Car Insurance Rates with An Accident in Schneider

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

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

The cheapest car insurance companies after an at-fault accident in Schneider include American Family and AutoOwners Insurance Co, offering $228 and $262, respectively. Allstate is an expensive provider with an average six-month premium of $2772.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$228	$38
Auto-Owners Insurance Co	$262	$44
Indiana Farmers	$269	$45
Grange	$295	$50
USAA	$516	$87
Travelers	$598	$101
Auto-Owners	$624	$105
Progressive	$637	$107
State Farm	$872	$147
Farmers	$1370	$231
Farm Bureau	$1644	$275
Allstate	$2772	$471

Schneider Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Schneider IN. For example, the car insurance in Schneider after a DUI increases to $852 for a six month policy. While the rate increases by $208 for a six-month policy in the case of a speeding ticket.

Schneider auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$927	$155
One Med/PIP claim	$927	$157
Not-at-fault accident	$980	$164
Two Med/PIP claims	$993	$168
One comp claim	$1000	$167
Failure to show documents	$1048	$179
Failure to wear a seat belt	$1054	$175
Two comp claims	$1061	$181
Child safety restraint	$1074	$179
Driving without lights	$1074	$183
Driving with expired registration	$1114	$185
Speeding 6 - 10 MPH over limit	$1135	$193
Driving too slowly	$1141	$190
Failure to yield	$1141	$194
Following too closely	$1141	$190
Illegal turn	$1141	$194
Speeding in school zone	$1141	$190
Cell phone violation	$1148	$195
Speeding 11 - 15 MPH over limit	$1148	$191
Texting while driving	$1148	$195
Wrong way/wrong lane	$1148	$191
Failure to stop at a red light	$1155	$197
Improper passing	$1162	$193
Speeding 16 - 20 MPH over limit	$1162	$198
At-fault accident - less than $1000	$1175	$195
Passing school bus	$1194	$203
Speeding 21 - 25 MPH over limit	$1255	$209
At-fault accident - $1000-$2000	$1295	$220
In 65 MPH zone	$1315	$219
At-fault accident - greater than $2000	$1322	$225
Operating a vehicle without permission	$1416	$236
Open container	$1429	$243
Racing	$1738	$289
Reckless driving	$1745	$297
Refusal to submit to a chemical test	$1765	$294
DUI	$1779	$303
Leaving scene of an accident/hit and run	$1813	$302
Driving with a suspended license	$1826	$311

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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 Schneider 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 Schneider.

The cheapest car insurance premiums in Schneider are offered by American Family at $228 for a six-month policy. However, it can be as expensive as $3080 with companies like Farmers.

Schneider car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$228	$38
Grange	$416	$71
Travelers	$631	$106
Progressive	$637	$107
USAA	$779	$131
Farm Bureau	$1295	$218
State Farm	$1309	$220
Allstate	$1429	$241
Auto-Owners	$1973	$332
Hastings Mutual	$2121	$360
Farmers	$3080	$513

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 Schneider are offered by Westfield at $174. However, it can be as expensive as $2162 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Schneider after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
American Family	$228	$38
Auto-Owners Insurance Co	$242	$41
Travelers	$678	$114
Progressive	$692	$116
USAA	$692	$115
State Farm	$738	$124
Auto-Owners	$1000	$167
Farm Bureau	$1329	$226
Farmers	$2135	$356
Allstate	$2162	$367

Car Insurance Price Trends in Schneider, Indiana

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

The average cost of full coverage in the Schneider rose by $176 in January compared to $151 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 Schneider rose to $46 in January, compared to $44 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 Schneider?

The car insurance in Schneider is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Schneider?

The cheapest car insurance in Schneider is $55 per month for full coverage.

How much is car insurance in Schneider for teenagers?

Car insurance for teenagers costs $168 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 Schneider?

The average cost of car insurance is $749 for a six-month policy. It will cost around $142 per month to insure your car in Schneider.

Is car insurance expensive in Schneider?

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

Cheapest Car Insurance Quotes in Schneider

Why you can trust Way?

How Much Is Car Insurance in Schneider

Avg. Car Insurance in Schneider

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Schneider

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Schneider Car Insurance Rates by Company

Cheap Car Insurance Companies in Schneider, IN

Way's key takeaways about car insurance in Schneider

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Schneider

Cheapest Liability Coverage in Schneider, IN

Cheapest Full Coverage Car Insurance in Schneider

Cheapest Full Coverage Car Insurance Quotes in Schneider, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Schneider by Rating Factor

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

Car Insurance Premiums by Age in Schneider

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Schneider,IN

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

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 Schneider

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

Schneider Car Insurance Rates by Violation

Schneider auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Schneider after a DUI

Schneider car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Schneider after Speeding ticket

Car Insurance Price Trends in Schneider, Indiana

Average Car Insurance Cost in Schneider by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Schneider, IN

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

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