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Cheapest Car Insurance Quotes in St. Mary-of-the-Woods
Finding the cheapest car insurance quotes in St. Mary-of-the-Woods 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. Mary-of-the-Woods
The car insurance rate in St. Mary-of-the-Woods is $854 for a six-month policy, which is $105 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $332, making it a popular choice for budget-conscious drivers. Rates in St. Mary-of-the-Woods 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.
Cheapest Car Insurance Companies in St. Mary-of-the-Woods
1st place: American Family
At $332 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 $461 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $467
for six months, making it
the third cheapest auto insurance company in St. Mary-of-the-Woods.
St. Mary-of-the-Woods Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in St. Mary-of-the-Woods, IN is American Family, offering policies at just $332 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $461.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1734 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Mary-of-the-Woods drivers find the best deals.
Cheap Car Insurance Companies in St. Mary-of-the-Woods, IN
Way's key takeaways about car insurance in St. Mary-of-the-Woods
The auto insurance costs in St. Mary-of-the-Woods fall around $332 for six
months.
The cheapest auto insurance company in St. Mary-of-the-Woods is Westfield.
Teen drivers pay the highest rate in St. Mary-of-the-Woods at $752 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. Mary-of-the-Woods
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. Mary-of-the-Woods are given below.
Westfield provides
the cheapest minimum car insurance
coverage in St. Mary-of-the-Woods. Their Average 6 Month Premium is $143.
Farmers is the most
expensive at $622 for the same
period.
Cheapest Liability Coverage in St. Mary-of-the-Woods, IN
Cheapest Full Coverage Car Insurance in St. Mary-of-the-Woods
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. Mary-of-the-Woods is American Family
at $56 per month and $332
for six months.
Cheapest Full Coverage Car Insurance Quotes in St. Mary-of-the-Woods,
IN
Get Your Car Insurance Quote in St. Mary-of-the-Woods
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Average Car Insurance in St. Mary-of-the-Woods 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. Mary-of-the-Woods, IN increasing?
Despite maintaining a clean driving record, your car insurance rates
in St. Mary-of-the-Woods, 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. Mary-of-the-Woods'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. Mary-of-the-Woods
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
$438
40s
USAA
$410
50s
USAA
$389
60s
USAA
$405
70s
Buckeye Insurance Group
$432
Cheapest Car Insurance Rates for Teen Drivers in
St. Mary-of-the-Woods,IN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the St. Mary-of-the-Woods at $28
per
month. At $4422 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. Mary-of-the-Woods.
As young drivers face the highest rates in St. Mary-of-the-Woods, USAA
offers the cheapest auto insurance rates at $438 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. Mary-of-the-Woods,
Westfield is
the cheapest car insurance provider. At $271 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. Mary-of-the-Woods is State Farm, offering
rates of around $5065 for six
months.
Save up to $971/yr on car insurance rates in St. Mary-of-the-Woods.
Car Insurance Rates with An Accident in St. Mary-of-the-Woods
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. Mary-of-the-Woods, IN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in St. Mary-of-the-Woods
The cheapest car insurance companies after an at-fault accident in
St. Mary-of-the-Woods include American Family
and AutoOwners Insurance Co, offering $230
and $264,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2796.
St. Mary-of-the-Woods Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in St. Mary-of-the-Woods IN. For example, the car
insurance in St. Mary-of-the-Woods
after a DUI increases to $859 for a six
month policy. While the rate increases by $210 for a six-month policy in the case of
a speeding ticket.
St. Mary-of-the-Woods auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$935
$156
One Med/PIP claim
$935
$158
Not-at-fault accident
$988
$165
Two Med/PIP claims
$1002
$170
One comp claim
$1009
$169
Failure to show documents
$1057
$180
Failure to wear a seat belt
$1064
$177
Two comp claims
$1070
$182
Child safety restraint
$1083
$180
Driving without lights
$1083
$185
Driving with expired registration
$1124
$187
Speeding 6 - 10 MPH over limit
$1145
$195
Driving too slowly
$1151
$192
Failure to yield
$1151
$196
Following too closely
$1151
$192
Illegal turn
$1151
$196
Speeding in school zone
$1151
$192
Cell phone violation
$1158
$197
Speeding 11 - 15 MPH over limit
$1158
$193
Texting while driving
$1158
$197
Wrong way/wrong lane
$1158
$193
Failure to stop at a red light
$1165
$198
Improper passing
$1172
$195
Speeding 16 - 20 MPH over limit
$1172
$199
At-fault accident - less than $1000
$1186
$197
Passing school bus
$1205
$205
Speeding 21 - 25 MPH over limit
$1267
$211
At-fault accident - $1000-$2000
$1306
$222
In 65 MPH zone
$1327
$221
At-fault accident - greater than $2000
$1334
$227
Operating a vehicle without permission
$1428
$238
Open container
$1442
$245
Racing
$1753
$292
Reckless driving
$1760
$300
Refusal to submit to a chemical test
$1781
$296
DUI
$1794
$306
Leaving scene of an accident/hit and run
$1829
$304
Driving with a suspended license
$1842
$314
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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. Mary-of-the-Woods 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. Mary-of-the-Woods.
The cheapest car insurance premiums in
St. Mary-of-the-Woods are
offered by American Family at $230 for a six-month policy.
However, it can be as
expensive as $3108 with companies
like Farmers.
St. Mary-of-the-Woods car insurance quotes with a DUI
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. Mary-of-the-Woods are offered by Westfield
at $176. However,
it can be as expensive as $2181
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in St. Mary-of-the-Woods after Speeding ticket
Car Insurance Price Trends in St. Mary-of-the-Woods,
Indiana
Car insurance rates in St. Mary-of-the-Woods have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the St. Mary-of-the-Woods remained steady at $178 in both April and March, indicating no change over the two month period.
The average cost of liability insurance in the St. Mary-of-the-Woods remained steady at $47 in both April and March, indicating no change over the two month period.
Average Car Insurance Cost in St. Mary-of-the-Woods 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. Mary-of-the-Woods. 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. Mary-of-the-Woods?
The car insurance in St. Mary-of-the-Woods is $24 per month, which is lower than the national average.
What is the cheapest car insurance in St. Mary-of-the-Woods?
The cheapest car insurance in St. Mary-of-the-Woods
is $56 per month
for full coverage.
How much is car insurance in St. Mary-of-the-Woods for teenagers?
Car insurance for teenagers costs $170 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. Mary-of-the-Woods?
The average cost of car insurance is $749 for a six-month
policy. It will cost around $144 per month to insure your
car in St. Mary-of-the-Woods.
Is car insurance expensive in St. Mary-of-the-Woods?
Car insurance can be expensive in St. Mary-of-the-Woods if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in St. Mary-of-the-Woods can be
affordable.
What is the best car insurance in St. Mary-of-the-Woods,
IN?
The best car insurance company in St. Mary-of-the-Woods
IN is
American Family, offering $332 for a
six-month policy.
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St. Mary-of-the-Woods Car Insurance
