Cheapest Car Insurance Quotes in Spurgeon

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Spurgeon Car Insurance

^$ 22

/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 Spurgeon

The car insurance rate in Spurgeon is $779 for a six-month policy, which is $30 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $303, making it a popular choice for budget-conscious drivers. Rates in Spurgeon 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 Spurgeon

$779

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Spurgeon

1st place: American Family

At $303 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 $420 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $426 for six months, making it the third cheapest auto insurance company in Spurgeon.

Spurgeon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Spurgeon, IN is American Family, offering policies at just $303 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $420.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1582 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Spurgeon drivers find the best deals.

Cheap Car Insurance Companies in Spurgeon, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$303	$51
Auto-Owners Insurance Co	$420	$72
Westfield	$426	$71
Nationwide	$531	$89
Hastings Mutual	$593	$100
USAA	$605	$102
Hastings Insurance	$668	$111
Progressive	$704	$119
Travelers	$704	$119
Auto-Owners	$797	$134
Farm Bureau	$1019	$170
State Farm	$1130	$190
Allstate	$1427	$240
Farmers	$1582	$269

Key Takeaways

Way's key takeaways about car insurance in Spurgeon

The auto insurance costs in Spurgeon fall around $303 for six months.
The cheapest auto insurance company in Spurgeon is Westfield.
Teen drivers pay the highest rate in Spurgeon at $686 per month.

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

Cheapest Minimum Liability Car Insurance in Spurgeon

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 Spurgeon are given below.

Westfield provides the cheapest minimum car insurance coverage in Spurgeon. Their Average 6 Month Premium is $130. Farmers is the most expensive at $568 for the same period.

Cheapest Liability Coverage in Spurgeon, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$130	$22
American Family	$166	$28
Auto-Owners Insurance Co	$173	$29
USAA	$173	$29
Hastings Mutual	$185	$31
Indiana Farmers	$191	$32
Progressive	$223	$37
Auto-Owners	$229	$38
Grange	$229	$38
Travelers	$241	$41
SafeAuto	$254	$43
Farm Bureau	$309	$53
State Farm	$309	$52
Allstate	$538	$90
Farmers	$568	$95

Cheapest Full Coverage Car Insurance in Spurgeon

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 Spurgeon is American Family at $51 per month and $303 for six months.

Cheapest Full Coverage Car Insurance Quotes in Spurgeon, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$303	$51
Auto-Owners Insurance Co	$420	$72
Westfield	$426	$71
Nationwide	$531	$89
Hastings Mutual	$593	$100
USAA	$605	$102
Hastings Insurance	$668	$111
Progressive	$704	$119
Travelers	$704	$119
Auto-Owners	$797	$134
Farm Bureau	$1019	$170
State Farm	$1130	$190
Allstate	$1427	$240
Farmers	$1582	$269

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Average Car Insurance in Spurgeon 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 Spurgeon, IN increasing?

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

Car Insurance Premiums by Age in Spurgeon

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	$399
40s	USAA	$374
50s	USAA	$355
60s	USAA	$369
70s	Buckeye Insurance Group	$394

Cheapest Car Insurance Rates for Teen Drivers in Spurgeon,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Spurgeon at $26 per month. At $4034 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$155	$26
American Family	$173	$29
Auto-Owners Insurance Co	$223	$37
Grange	$241	$41
USAA	$679	$114
Travelers	$877	$148
Progressive	$952	$160
Auto-Owners	$2335	$397
Allstate	$3045	$508
State Farm	$3225	$548
Farm Bureau	$3589	$598
Farmers	$4034	$686

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 Spurgeon.

As young drivers face the highest rates in Spurgeon, USAA offers the cheapest auto insurance rates at $399 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 Spurgeon, Westfield is the cheapest car insurance provider. At $248 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 Spurgeon is State Farm, offering rates of around $4621 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$248	$42
American Family	$259	$44
Nationwide	$290	$49
Grange	$309	$52
Progressive	$790	$133
Travelers	$797	$134
USAA	$927	$158
Allstate	$1236	$208
Farm Bureau	$2088	$355
Auto-Owners	$2582	$431
Farmers	$2582	$439
State Farm	$4621	$771

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

Car Insurance Rates with An Accident in Spurgeon

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

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

The cheapest car insurance companies after an at-fault accident in Spurgeon include American Family and AutoOwners Insurance Co, offering $210 and $241, respectively. Allstate is an expensive provider with an average six-month premium of $2551.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$210	$35
Auto-Owners Insurance Co	$241	$41
Indiana Farmers	$248	$42
Grange	$271	$46
USAA	$475	$80
Travelers	$550	$93
Auto-Owners	$574	$97
Progressive	$587	$99
State Farm	$803	$135
Farmers	$1260	$212
Farm Bureau	$1513	$253
Allstate	$2551	$434

Spurgeon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Spurgeon IN. For example, the car insurance in Spurgeon after a DUI increases to $784 for a six month policy. While the rate increases by $191 for a six-month policy in the case of a speeding ticket.

Spurgeon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$853	$142
One Med/PIP claim	$853	$145
Not-at-fault accident	$902	$151
Two Med/PIP claims	$914	$155
One comp claim	$920	$154
Failure to show documents	$964	$164
Failure to wear a seat belt	$970	$161
Two comp claims	$977	$166
Child safety restraint	$988	$164
Driving without lights	$988	$168
Driving with expired registration	$1025	$171
Speeding 6 - 10 MPH over limit	$1044	$178
Driving too slowly	$1050	$175
Failure to yield	$1050	$179
Following too closely	$1050	$175
Illegal turn	$1050	$179
Speeding in school zone	$1050	$175
Cell phone violation	$1057	$180
Speeding 11 - 15 MPH over limit	$1057	$176
Texting while driving	$1057	$180
Wrong way/wrong lane	$1057	$176
Failure to stop at a red light	$1063	$181
Improper passing	$1069	$178
Speeding 16 - 20 MPH over limit	$1069	$182
At-fault accident - less than $1000	$1082	$180
Passing school bus	$1099	$187
Speeding 21 - 25 MPH over limit	$1155	$192
At-fault accident - $1000-$2000	$1192	$203
In 65 MPH zone	$1211	$202
At-fault accident - greater than $2000	$1217	$207
Operating a vehicle without permission	$1303	$217
Open container	$1316	$224
Racing	$1600	$266
Reckless driving	$1606	$274
Refusal to submit to a chemical test	$1624	$270
DUI	$1637	$279
Leaving scene of an accident/hit and run	$1668	$278
Driving with a suspended license	$1681	$286

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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 Spurgeon 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 Spurgeon.

The cheapest car insurance premiums in Spurgeon are offered by American Family at $210 for a six-month policy. However, it can be as expensive as $2835 with companies like Farmers.

Spurgeon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$210	$35
Grange	$383	$66
Travelers	$580	$98
Progressive	$587	$99
USAA	$717	$121
Farm Bureau	$1192	$201
State Farm	$1204	$203
Allstate	$1316	$222
Auto-Owners	$1816	$306
Hastings Mutual	$1952	$332
Farmers	$2835	$472

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 Spurgeon are offered by Westfield at $160. However, it can be as expensive as $1990 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Spurgeon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$160	$27
American Family	$210	$35
Auto-Owners Insurance Co	$223	$37
Travelers	$624	$105
Progressive	$636	$107
USAA	$636	$106
State Farm	$679	$114
Auto-Owners	$920	$154
Farm Bureau	$1223	$208
Farmers	$1965	$328
Allstate	$1990	$338

Car Insurance Price Trends in Spurgeon, Indiana

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

The average cost of full coverage in the Spurgeon rose by $162 in January compared to $139 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Spurgeon rose to $43 in January, compared to $41 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 Spurgeon?

The car insurance in Spurgeon is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Spurgeon?

The cheapest car insurance in Spurgeon is $51 per month for full coverage.

How much is car insurance in Spurgeon for teenagers?

Car insurance for teenagers costs $155 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 Spurgeon?

The average cost of car insurance is $749 for a six-month policy. It will cost around $131 per month to insure your car in Spurgeon.

Is car insurance expensive in Spurgeon?

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

Cheapest Car Insurance Quotes in Spurgeon

Why you can trust Way?

How Much Is Car Insurance in Spurgeon

Avg. Car Insurance in Spurgeon

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Spurgeon

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Spurgeon Car Insurance Rates by Company

Cheap Car Insurance Companies in Spurgeon, IN

Way's key takeaways about car insurance in Spurgeon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Spurgeon

Cheapest Liability Coverage in Spurgeon, IN

Cheapest Full Coverage Car Insurance in Spurgeon

Cheapest Full Coverage Car Insurance Quotes in Spurgeon, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Spurgeon by Rating Factor

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

Car Insurance Premiums by Age in Spurgeon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Spurgeon,IN

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

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 Spurgeon

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

Spurgeon Car Insurance Rates by Violation

Spurgeon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Spurgeon after a DUI

Spurgeon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Spurgeon after Speeding ticket

Car Insurance Price Trends in Spurgeon, Indiana

Average Car Insurance Cost in Spurgeon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Spurgeon, IN

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

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