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Finding the cheapest car insurance quotes in St. Croix 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.
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 St. Croix
The car insurance rate in St. Croix is $824 for a six-month policy, which is $75 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $320, making it a popular choice for budget-conscious drivers. Rates in St. Croix 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.
At $320 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 $444 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $451
for six months, making it
the third cheapest auto insurance company in St. Croix.
St. Croix Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in St. Croix, IN is American Family, offering policies at just $320 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $444.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1673 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Croix drivers find the best deals.
Way's key takeaways about car insurance in St. Croix
The auto insurance costs in St. Croix fall around $320 for six
months.
The cheapest auto insurance company in St. Croix is Westfield.
Teen drivers pay the highest rate in St. Croix at $726 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 St. Croix
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 St. Croix are given below.
Westfield provides
the cheapest minimum car insurance
coverage in St. Croix. Their Average 6 Month Premium is $138.
Farmers is the most
expensive at $601 for the same
period.
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 St. Croix is American Family
at $54 per month and $320
for six months.
Cheapest Full Coverage Car Insurance Quotes in St. Croix,
IN
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Average Car Insurance in St. Croix 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 St. Croix, IN increasing?
Despite maintaining a clean driving record, your car insurance rates
in St. Croix, 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, St. Croix's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in St. Croix
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
$422
40s
USAA
$396
50s
USAA
$375
60s
USAA
$391
70s
Buckeye Insurance Group
$417
Cheapest Car Insurance Rates for Teen Drivers in
St. Croix,IN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the St. Croix at $28
per
month. At $4267 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in St. Croix.
As young drivers face the highest rates in St. Croix, USAA
offers the cheapest auto insurance rates at $422 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 St. Croix,
Westfield is
the cheapest car insurance provider. At $262 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
St. Croix is State Farm, offering
rates of around $4887 for six
months.
Save up to $971/yr on car insurance rates in St. Croix.
Car Insurance Rates with An Accident in St. Croix
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 St. Croix, IN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in St. Croix
The cheapest car insurance companies after an at-fault accident in
St. Croix include American Family
and AutoOwners Insurance Co, offering $222
and $255,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2698.
Here is a list of driving violations that can increase your car
insurance rates in St. Croix IN. For example, the car
insurance in St. Croix
after a DUI increases to $829 for a six
month policy. While the rate increases by $202 for a six-month policy in the case of
a speeding ticket.
St. Croix auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$902
$151
One Med/PIP claim
$902
$153
Not-at-fault accident
$954
$160
Two Med/PIP claims
$967
$164
One comp claim
$974
$163
Failure to show documents
$1020
$174
Failure to wear a seat belt
$1026
$171
Two comp claims
$1033
$176
Child safety restraint
$1045
$174
Driving without lights
$1045
$178
Driving with expired registration
$1085
$180
Speeding 6 - 10 MPH over limit
$1104
$188
Driving too slowly
$1111
$185
Failure to yield
$1111
$189
Following too closely
$1111
$185
Illegal turn
$1111
$189
Speeding in school zone
$1111
$185
Cell phone violation
$1118
$190
Speeding 11 - 15 MPH over limit
$1118
$186
Texting while driving
$1118
$190
Wrong way/wrong lane
$1118
$186
Failure to stop at a red light
$1124
$191
Improper passing
$1131
$188
Speeding 16 - 20 MPH over limit
$1131
$193
At-fault accident - less than $1000
$1144
$190
Passing school bus
$1163
$198
Speeding 21 - 25 MPH over limit
$1222
$204
At-fault accident - $1000-$2000
$1261
$215
In 65 MPH zone
$1280
$213
At-fault accident - greater than $2000
$1287
$219
Operating a vehicle without permission
$1378
$230
Open container
$1392
$237
Racing
$1692
$282
Reckless driving
$1698
$289
Refusal to submit to a chemical test
$1718
$286
DUI
$1731
$295
Leaving scene of an accident/hit and run
$1764
$294
Driving with a suspended license
$1778
$303
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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 St. Croix 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 St. Croix.
The cheapest car insurance premiums in
St. Croix are
offered by American Family at $222 for a six-month policy.
However, it can be as
expensive as $2999 with companies
like Farmers.
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 St. Croix are offered by Westfield
at $169. However,
it can be as expensive as $2104
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in St. Croix after Speeding ticket
Car insurance rates in St. Croix have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the St. Croix remained steady at $172 in both April and March, indicating no change over the two month period.
The average cost of liability insurance in the St. Croix remained steady at $45 in both April and March, indicating no change over the two month period.
Average Car Insurance Cost in St. Croix by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
St. Croix. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in St. Croix?
The car insurance in St. Croix is $23 per month, which is lower than the national average.
What is the cheapest car insurance in St. Croix?
The cheapest car insurance in St. Croix
is $54 per month
for full coverage.
How much is car insurance in St. Croix for teenagers?
Car insurance for teenagers costs $164 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
St. Croix?
The average cost of car insurance is $749 for a six-month
policy. It will cost around $139 per month to insure your
car in St. Croix.
Is car insurance expensive in St. Croix?
Car insurance can be expensive in St. Croix if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in St. Croix can be
affordable.
What is the best car insurance in St. Croix,
IN?
The best car insurance company in St. Croix
IN is
American Family, offering $320 for a
six-month policy.
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St. Croix Car Insurance
