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Finding the cheapest car insurance quotes in State Line 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 State Line
The car insurance rate in State Line is $786 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $306, making it a popular choice for budget-conscious drivers. Rates in State Line 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 $306 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 $424 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $431
for six months, making it
the third cheapest auto insurance company in State Line.
State Line Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in State Line, IN is American Family, offering policies at just $306 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $424.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1597 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help State Line drivers find the best deals.
Way's key takeaways about car insurance in State Line
The auto insurance costs in State Line fall around $306 for six
months.
The cheapest auto insurance company in State Line is Westfield.
Teen drivers pay the highest rate in State Line at $693 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 State Line
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 State Line are given below.
Westfield provides
the cheapest minimum car insurance
coverage in State Line. Their Average 6 Month Premium is $131.
Farmers is the most
expensive at $573 for the same
period.
Cheapest Full Coverage Car Insurance in State Line
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 State Line is American Family
at $51 per month and $306
for six months.
Cheapest Full Coverage Car Insurance Quotes in State Line,
IN
Get Your Car Insurance Quote in State Line
Instantly!
Average Car Insurance in State Line 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 State Line, IN increasing?
Despite maintaining a clean driving record, your car insurance rates
in State Line, 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, State Line's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in State Line
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
$403
40s
USAA
$378
50s
USAA
$358
60s
USAA
$373
70s
Buckeye Insurance Group
$398
Cheapest Car Insurance Rates for Teen Drivers in
State Line,IN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the State Line at $26
per
month. At $4073 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 State Line.
As young drivers face the highest rates in State Line, USAA
offers the cheapest auto insurance rates at $403 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 State Line,
Westfield is
the cheapest car insurance provider. At $250 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
State Line is State Farm, offering
rates of around $4665 for six
months.
Save up to $971/yr on car insurance rates in State Line.
Car Insurance Rates with An Accident in State Line
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 State Line, IN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in State Line
The cheapest car insurance companies after an at-fault accident in
State Line include American Family
and AutoOwners Insurance Co, offering $212
and $244,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2576.
Here is a list of driving violations that can increase your car
insurance rates in State Line IN. For example, the car
insurance in State Line
after a DUI increases to $792 for a six
month policy. While the rate increases by $193 for a six-month policy in the case of
a speeding ticket.
State Line auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$861
$144
One Med/PIP claim
$861
$146
Not-at-fault accident
$910
$152
Two Med/PIP claims
$923
$156
One comp claim
$929
$155
Failure to show documents
$973
$166
Failure to wear a seat belt
$980
$163
Two comp claims
$986
$168
Child safety restraint
$998
$166
Driving without lights
$998
$170
Driving with expired registration
$1035
$172
Speeding 6 - 10 MPH over limit
$1054
$180
Driving too slowly
$1061
$176
Failure to yield
$1061
$181
Following too closely
$1061
$176
Illegal turn
$1061
$181
Speeding in school zone
$1061
$176
Cell phone violation
$1067
$182
Speeding 11 - 15 MPH over limit
$1067
$177
Texting while driving
$1067
$182
Wrong way/wrong lane
$1067
$177
Failure to stop at a red light
$1073
$183
Improper passing
$1079
$180
Speeding 16 - 20 MPH over limit
$1079
$184
At-fault accident - less than $1000
$1092
$182
Passing school bus
$1110
$189
Speeding 21 - 25 MPH over limit
$1167
$194
At-fault accident - $1000-$2000
$1203
$205
In 65 MPH zone
$1222
$204
At-fault accident - greater than $2000
$1229
$209
Operating a vehicle without permission
$1316
$219
Open container
$1328
$226
Racing
$1615
$269
Reckless driving
$1621
$276
Refusal to submit to a chemical test
$1640
$273
DUI
$1653
$281
Leaving scene of an accident/hit and run
$1684
$280
Driving with a suspended license
$1697
$289
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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 State Line 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 State Line.
The cheapest car insurance premiums in
State Line are
offered by American Family at $212 for a six-month policy.
However, it can be as
expensive as $2862 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 State Line are offered by Westfield
at $162. However,
it can be as expensive as $2009
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in State Line after Speeding ticket
Car insurance rates in State Line have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the State Line rose by
$164 in January
compared to $141 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 State Line rose to $43 in January,
compared to $41 in December.
This represents an increase of $2
when comparing January and December.
Average Car Insurance Cost in State Line 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
State Line. At $1572 for a
six-month policy, insuring
your car at 47982 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 State Line?
The car insurance in State Line is $22 per month, which is lower than the national average.
What is the cheapest car insurance in State Line?
The cheapest car insurance in State Line
is $51 per month
for full coverage.
How much is car insurance in State Line for teenagers?
Car insurance for teenagers costs $156 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
State Line?
The average cost of car insurance is $749 for a six-month
policy. It will cost around $132 per month to insure your
car in State Line.
Is car insurance expensive in State Line?
Car insurance can be expensive in State Line if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in State Line can be
affordable.
What is the best car insurance in State Line,
IN?
The best car insurance company in State Line
IN is
American Family, offering $306 for a
six-month policy.
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Find Car Insurance Rates in Cities Near State Line, IN
Car Insurance Rates by State in the USA (2025 Update)
State Line Car Insurance
