Cheapest Car Insurance Quotes in South Whitley

Finding the cheapest car insurance quotes in South Whitley shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

South Whitley 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 South Whitley

The car insurance rate in South Whitley is $634 for a six-month policy, which is $33 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $384, making it a popular choice for budget-conscious drivers. Rates in South Whitley 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 South Whitley

$634

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in South Whitley

1st place: AutoOwners Insurance Co

At $384 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 $390 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $485 for six months, making it the third cheapest auto insurance company in South Whitley.

South Whitley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Whitley, IN is AutoOwners Insurance Co, offering policies at just $384 for a six-month term. This is followed by Westfield, which has an average six-month premium of $390.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1174 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Whitley drivers find the best deals.

Cheap Car Insurance Companies in South Whitley, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$384	$64
Westfield	$390	$67
Nationwide	$485	$82
American Family	$503	$85
USAA	$536	$90
Hastings Mutual	$542	$91
Travelers	$599	$101
Hastings Insurance	$610	$104
Progressive	$626	$105
Auto-Owners	$649	$109
State Farm	$869	$146
Farm Bureau	$875	$149
Allstate	$1174	$198

Key Takeaways

Way's key takeaways about car insurance in South Whitley

The auto insurance costs in South Whitley fall around $384 for six months.
The cheapest auto insurance company in South Whitley is Westfield.
Teen drivers pay the highest rate in South Whitley at $522 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in South Whitley

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 South Whitley are given below.

Westfield provides the cheapest minimum car insurance coverage in South Whitley. Their Average 6 Month Premium is $119. Farmers is the most expensive at $215 for the same period.

Cheapest Liability Coverage in South Whitley, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$119	$20
USAA	$152	$26
Auto-Owners Insurance Co	$158	$27
Hastings Mutual	$169	$29
Indiana Farmers	$175	$29
American Family	$192	$32
Auto-Owners	$192	$32
Progressive	$203	$34
Grange	$209	$35
Travelers	$215	$36
SafeAuto	$232	$39
State Farm	$248	$42
Farm Bureau	$282	$48
Allstate	$463	$78
Farmers	$215	$36

Cheapest Full Coverage Car Insurance in South Whitley

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 South Whitley is AutoOwners Insurance Co at $64 per month and $384 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Whitley, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$384	$64
Westfield	$390	$67
Nationwide	$485	$82
American Family	$503	$85
USAA	$536	$90
Hastings Mutual	$542	$91
Travelers	$599	$101
Hastings Insurance	$610	$104
Progressive	$626	$105
Auto-Owners	$649	$109
State Farm	$869	$146
Farm Bureau	$875	$149
Allstate	$1174	$198

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in South Whitley Instantly!

Average Car Insurance in South Whitley 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 South Whitley, IN increasing?

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

Car Insurance Premiums by Age in South Whitley

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	$408
40s	USAA	$382
50s	USAA	$361
60s	USAA	$376
70s	Buckeye Insurance Group	$402

Cheapest Car Insurance Rates for Teen Drivers in South Whitley,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the South Whitley at $24 per month. At $3069 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$142	$24
Auto-Owners Insurance Co	$203	$34
Grange	$220	$37
USAA	$451	$76
Travelers	$683	$115
Progressive	$790	$133
American Family	$1377	$232
Auto-Owners	$1834	$306
State Farm	$1908	$324
Allstate	$2269	$378
Farm Bureau	$3069	$522

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 South Whitley.

As young drivers face the highest rates in South Whitley, USAA offers the cheapest auto insurance rates at $408 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 South Whitley, 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 South Whitley is State Farm, offering rates of around $2771 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$226	$38
Nationwide	$265	$45
Grange	$282	$48
Travelers	$626	$105
Progressive	$660	$111
USAA	$722	$123
American Family	$773	$130
Allstate	$937	$158
Farm Bureau	$1783	$297
Auto-Owners	$1925	$327
State Farm	$2771	$462

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in South Whitley

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Whitley

The cheapest car insurance companies after an at-fault accident in South Whitley include AutoOwners Insurance Co and Indiana Farmers, offering $220 and $226, respectively. Allstate is an expensive provider with an average six-month premium of $1868.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$220	$37
Indiana Farmers	$226	$38
Grange	$248	$42
Farmers	$288	$49
USAA	$384	$65
Travelers	$446	$75
Auto-Owners	$457	$77
Progressive	$491	$83
State Farm	$524	$88
American Family	$716	$121
Farm Bureau	$1303	$218
Allstate	$1868	$317

South Whitley Car Insurance Rates by Violation

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

South Whitley 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

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 South Whitley 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 South Whitley.

The cheapest car insurance premiums in South Whitley are offered by Grange at $350 for a six-month policy. However, it can be as expensive as $1783 with companies like Hastings Mutual.

South Whitley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$350	$58
Travelers	$468	$79
Progressive	$508	$86
USAA	$559	$94
American Family	$779	$131
State Farm	$908	$153
Farm Bureau	$1038	$175
Allstate	$1083	$182
Auto-Owners	$1461	$246
Hastings Mutual	$1783	$303

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 South Whitley are offered by Westfield at $146. However, it can be as expensive as $1461 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in South Whitley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$25
Auto-Owners Insurance Co	$203	$34
State Farm	$446	$75
Travelers	$485	$82
USAA	$497	$85
American Family	$508	$86
Progressive	$530	$89
Auto-Owners	$683	$114
Farm Bureau	$1050	$179
Allstate	$1461	$243

Car Insurance Price Trends in South Whitley, Indiana

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

The average cost of full coverage in the South Whitley remained steady at $127 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the South Whitley remained steady at $37 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in South Whitley?

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

What is the cheapest car insurance in South Whitley?

The cheapest car insurance in South Whitley is $64 per month for full coverage.

How much is car insurance in South Whitley 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 South Whitley?

The average cost of car insurance is $667 for a six-month policy. It will cost around $106 per month to insure your car in South Whitley.

Is car insurance expensive in South Whitley?

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

Cheapest Car Insurance Quotes in South Whitley

Why you can trust Way?

How Much Is Car Insurance in South Whitley

Avg. Car Insurance in South Whitley

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in South Whitley

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

South Whitley Car Insurance Rates by Company

Cheap Car Insurance Companies in South Whitley, IN

Way's key takeaways about car insurance in South Whitley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Whitley

Cheapest Liability Coverage in South Whitley, IN

Cheapest Full Coverage Car Insurance in South Whitley

Cheapest Full Coverage Car Insurance Quotes in South Whitley, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Whitley by Rating Factor

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

Car Insurance Premiums by Age in South Whitley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Whitley,IN

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

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 South Whitley

Cheapest Car Insurance Companies after an At-Fault Accident in South Whitley

South Whitley Car Insurance Rates by Violation

South Whitley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Whitley after a DUI

South Whitley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Whitley after Speeding ticket

Car Insurance Price Trends in South Whitley, Indiana

Average Car Insurance Cost in South Whitley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Whitley, IN

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

Featured Blogs

Data Sources