Cheapest Car Insurance Quotes in Tell City

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Tell City Car Insurance

^$ 21

/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 $654 for a six-month policy, which is $13 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $396, 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

$654

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Tell City

1st place: AutoOwners Insurance Co

At $396 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $402 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $501 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 AutoOwners Insurance Co, offering policies at just $396 for a six-month term. This is followed by Westfield, which has an average six-month premium of $402.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1211 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
Auto-Owners Insurance Co	$396	$66
Westfield	$402	$69
Nationwide	$501	$84
American Family	$518	$87
USAA	$553	$93
Hastings Mutual	$559	$94
Travelers	$617	$104
Hastings Insurance	$629	$107
Progressive	$646	$109
Auto-Owners	$669	$113
State Farm	$897	$151
Farm Bureau	$903	$154
Allstate	$1211	$204

Key Takeaways

Way's key takeaways about car insurance in Tell City

The auto insurance costs in Tell City fall around $396 for six months.
The cheapest auto insurance company in Tell City is Westfield.
Teen drivers pay the highest rate in Tell City at $538 per month.

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

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 $123. Farmers is the most expensive at $221 for the same period.

Cheapest Liability Coverage in Tell City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$123	$21
USAA	$157	$26
Auto-Owners Insurance Co	$163	$27
Hastings Mutual	$174	$29
Indiana Farmers	$180	$30
American Family	$198	$33
Auto-Owners	$198	$33
Progressive	$210	$35
Grange	$216	$36
Travelers	$221	$37
SafeAuto	$239	$40
State Farm	$256	$43
Farm Bureau	$291	$50
Allstate	$477	$80
Farmers	$221	$37

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 AutoOwners Insurance Co at $66 per month and $396 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tell City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$396	$66
Westfield	$402	$69
Nationwide	$501	$84
American Family	$518	$87
USAA	$553	$93
Hastings Mutual	$559	$94
Travelers	$617	$104
Hastings Insurance	$629	$107
Progressive	$646	$109
Auto-Owners	$669	$113
State Farm	$897	$151
Farm Bureau	$903	$154
Allstate	$1211	$204

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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	$420
40s	USAA	$394
50s	USAA	$372
60s	USAA	$388
70s	Buckeye Insurance Group	$415

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 $25 per month. At $3166 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$25
Auto-Owners Insurance Co	$210	$35
Grange	$227	$38
USAA	$466	$78
Travelers	$705	$119
Progressive	$815	$137
American Family	$1420	$239
Auto-Owners	$1892	$316
State Farm	$1968	$334
Allstate	$2340	$390
Farm Bureau	$3166	$538

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 $420 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 $233 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 $2859 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$233	$39
Nationwide	$273	$46
Grange	$291	$49
Travelers	$646	$109
Progressive	$681	$115
USAA	$745	$126
American Family	$798	$134
Allstate	$966	$163
Farm Bureau	$1839	$307
Auto-Owners	$1985	$337
State Farm	$2859	$476

Escape the Trap of Rising Insurance Costs.

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 AutoOwners Insurance Co and Indiana Farmers, offering $227 and $233, respectively. Allstate is an expensive provider with an average six-month premium of $1927.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$227	$38
Indiana Farmers	$233	$39
Grange	$256	$43
Farmers	$297	$51
USAA	$396	$67
Travelers	$460	$77
Auto-Owners	$471	$79
Progressive	$507	$85
State Farm	$541	$91
American Family	$739	$124
Farm Bureau	$1345	$224
Allstate	$1927	$327

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 $739 for a six month policy. While the rate increases by $180 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	$804	$134
One Med/PIP claim	$804	$136
Not-at-fault accident	$850	$142
Two Med/PIP claims	$861	$146
One comp claim	$867	$145
Failure to show documents	$908	$155
Failure to wear a seat belt	$914	$152
Two comp claims	$920	$157
Child safety restraint	$931	$155
Driving without lights	$931	$159
Driving with expired registration	$966	$161
Speeding 6 - 10 MPH over limit	$984	$168
Driving too slowly	$990	$165
Failure to yield	$990	$169
Following too closely	$990	$165
Illegal turn	$990	$169
Speeding in school zone	$990	$165
Cell phone violation	$996	$170
Speeding 11 - 15 MPH over limit	$996	$166
Texting while driving	$996	$170
Wrong way/wrong lane	$996	$166
Failure to stop at a red light	$1002	$171
Improper passing	$1007	$168
Speeding 16 - 20 MPH over limit	$1007	$172
At-fault accident - less than $1000	$1019	$170
Passing school bus	$1036	$176
Speeding 21 - 25 MPH over limit	$1089	$181
At-fault accident - $1000-$2000	$1123	$191
In 65 MPH zone	$1141	$190
At-fault accident - greater than $2000	$1147	$195
Operating a vehicle without permission	$1228	$205
Open container	$1240	$211
Racing	$1507	$251
Reckless driving	$1513	$258
Refusal to submit to a chemical test	$1531	$255
DUI	$1543	$263
Leaving scene of an accident/hit and run	$1572	$262
Driving with a suspended license	$1584	$270

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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 Grange at $361 for a six-month policy. However, it can be as expensive as $1839 with companies like Hastings Mutual.

Tell City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$361	$60
Travelers	$483	$81
Progressive	$524	$88
USAA	$576	$97
American Family	$804	$135
State Farm	$937	$158
Farm Bureau	$1071	$180
Allstate	$1117	$188
Auto-Owners	$1507	$254
Hastings Mutual	$1839	$313

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 $151. However, it can be as expensive as $1507 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	$151	$25
Auto-Owners Insurance Co	$210	$35
State Farm	$460	$77
Travelers	$501	$84
USAA	$513	$87
American Family	$524	$88
Progressive	$547	$92
Auto-Owners	$705	$118
Farm Bureau	$1083	$184
Allstate	$1507	$251

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 remained steady at $131 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Tell City remained steady at $38 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Tell City?

The car insurance in Tell City is $21 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 $66 per month for full coverage.

How much is car insurance in Tell City for teenagers?

Car insurance for teenagers costs $146 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 $667 for a six-month policy. It will cost around $110 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: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

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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