Cheapest Car Insurance Quotes in Tell City

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406,175 Policies Sold

Tell City 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 Tell City

The car insurance rate in Tell City 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 Tell City 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 Tell City

$786

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Tell City

1st place: American Family

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 Tell City.

Tell City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tell City, 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 Tell City drivers find the best deals.

Cheap Car Insurance Companies in Tell City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$306	$51
Auto-Owners Insurance Co	$424	$72
Westfield	$431	$71
Nationwide	$537	$90
Hastings Mutual	$599	$101
USAA	$611	$103
Hastings Insurance	$674	$112
Progressive	$711	$120
Travelers	$711	$120
Auto-Owners	$804	$135
Farm Bureau	$1029	$171
State Farm	$1141	$192
Allstate	$1441	$243
Farmers	$1597	$272

Key Takeaways

Way's key takeaways about car insurance in Tell City

The auto insurance costs in Tell City fall around $306 for six months.
The cheapest auto insurance company in Tell City is Westfield.
Teen drivers pay the highest rate in Tell City at $693 per month.

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Cheapest Minimum Liability Car Insurance in Tell City

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 Tell City are given below.

Westfield provides the cheapest minimum car insurance coverage in Tell City. Their Average 6 Month Premium is $131. Farmers is the most expensive at $573 for the same period.

Cheapest Liability Coverage in Tell City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$131	$22
American Family	$168	$28
Auto-Owners Insurance Co	$174	$29
USAA	$174	$29
Hastings Mutual	$187	$32
Indiana Farmers	$193	$33
Progressive	$225	$38
Auto-Owners	$231	$39
Grange	$231	$39
Travelers	$244	$41
SafeAuto	$256	$43
Farm Bureau	$312	$54
State Farm	$312	$53
Allstate	$543	$91
Farmers	$573	$96

Cheapest Full Coverage Car Insurance in Tell City

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 Tell City is American Family at $51 per month and $306 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tell City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$306	$51
Auto-Owners Insurance Co	$424	$72
Westfield	$431	$71
Nationwide	$537	$90
Hastings Mutual	$599	$101
USAA	$611	$103
Hastings Insurance	$674	$112
Progressive	$711	$120
Travelers	$711	$120
Auto-Owners	$804	$135
Farm Bureau	$1029	$171
State Farm	$1141	$192
Allstate	$1441	$243
Farmers	$1597	$272

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Average Car Insurance in Tell City 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 Tell City, IN increasing?

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

Car Insurance Premiums by Age in Tell City

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 Tell City,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Tell City at $26 per month. At $4073 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
American Family	$174	$29
Auto-Owners Insurance Co	$225	$38
Grange	$244	$41
USAA	$686	$116
Travelers	$885	$149
Progressive	$961	$162
Auto-Owners	$2357	$401
Allstate	$3074	$512
State Farm	$3256	$553
Farm Bureau	$3624	$604
Farmers	$4073	$693

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 Tell City.

As young drivers face the highest rates in Tell City, 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 Tell City, 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 Tell City is State Farm, offering rates of around $4665 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$250	$42
American Family	$261	$44
Nationwide	$293	$49
Grange	$312	$53
Progressive	$798	$134
Travelers	$804	$135
USAA	$936	$160
Allstate	$1247	$210
Farm Bureau	$2108	$358
Auto-Owners	$2607	$435
Farmers	$2607	$443
State Farm	$4665	$778

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

Car Insurance Rates with An Accident in Tell City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Tell City

The cheapest car insurance companies after an at-fault accident in Tell City 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.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$212	$36
Auto-Owners Insurance Co	$244	$41
Indiana Farmers	$250	$42
Grange	$274	$46
USAA	$480	$81
Travelers	$555	$93
Auto-Owners	$580	$98
Progressive	$592	$100
State Farm	$811	$137
Farmers	$1273	$214
Farm Bureau	$1528	$255
Allstate	$2576	$438

Tell City Car Insurance Rates by Violation

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

Tell City 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 Tell City 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 Tell City.

The cheapest car insurance premiums in Tell City are offered by American Family at $212 for a six-month policy. However, it can be as expensive as $2862 with companies like Farmers.

Tell City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$212	$36
Grange	$386	$66
Travelers	$586	$99
Progressive	$592	$100
USAA	$723	$122
Farm Bureau	$1203	$203
State Farm	$1216	$205
Allstate	$1328	$224
Auto-Owners	$1833	$309
Hastings Mutual	$1971	$335
Farmers	$2862	$477

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 Tell City 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 Tell City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
American Family	$212	$36
Auto-Owners Insurance Co	$225	$38
Travelers	$630	$106
Progressive	$643	$108
USAA	$643	$107
State Farm	$686	$116
Auto-Owners	$929	$155
Farm Bureau	$1235	$210
Farmers	$1983	$331
Allstate	$2009	$341

Car Insurance Price Trends in Tell City, Indiana

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

The average cost of full coverage in the Tell City 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 Tell City 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 Tell City?

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

What is the cheapest car insurance in Tell City?

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

How much is car insurance in Tell City 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 Tell City?

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 Tell City.

Is car insurance expensive in Tell City?

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

Cheapest Car Insurance Quotes in Tell City

Why you can trust Way?

How Much Is Car Insurance in Tell City

Avg. Car Insurance in Tell City

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Tell City

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Tell City Car Insurance Rates by Company

Cheap Car Insurance Companies in Tell City, IN

Way's key takeaways about car insurance in Tell City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Tell City

Cheapest Liability Coverage in Tell City, IN

Cheapest Full Coverage Car Insurance in Tell City

Cheapest Full Coverage Car Insurance Quotes in Tell City, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Tell City by Rating Factor

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

Car Insurance Premiums by Age in Tell City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Tell City,IN

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

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 Tell City

Cheapest Car Insurance Companies after an At-Fault Accident in Tell City

Tell City Car Insurance Rates by Violation

Tell City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Tell City after a DUI

Tell City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Tell City after Speeding ticket

Car Insurance Price Trends in Tell City, Indiana

Average Car Insurance Cost in Tell City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Tell City, IN

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

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