Cheapest Car Insurance Quotes in Waynetown

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Waynetown 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 Waynetown

The car insurance rate in Waynetown is $764 for a six-month policy, which is $15 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $297, making it a popular choice for budget-conscious drivers. Rates in Waynetown 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 Waynetown

$764

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Waynetown

1st place: American Family

At $297 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 $412 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $418 for six months, making it the third cheapest auto insurance company in Waynetown.

Waynetown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Waynetown, IN is American Family, offering policies at just $297 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $412.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1551 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waynetown drivers find the best deals.

Cheap Car Insurance Companies in Waynetown, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$297	$50
Auto-Owners Insurance Co	$412	$70
Westfield	$418	$69
Nationwide	$521	$88
Hastings Mutual	$581	$98
USAA	$594	$100
Hastings Insurance	$655	$109
Progressive	$691	$116
Travelers	$691	$116
Auto-Owners	$781	$132
Farm Bureau	$1000	$166
State Farm	$1109	$187
Allstate	$1399	$236
Farmers	$1551	$264

Key Takeaways

Way's key takeaways about car insurance in Waynetown

The auto insurance costs in Waynetown fall around $297 for six months.
The cheapest auto insurance company in Waynetown is Westfield.
Teen drivers pay the highest rate in Waynetown at $673 per month.

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Cheapest Minimum Liability Car Insurance in Waynetown

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 Waynetown are given below.

Westfield provides the cheapest minimum car insurance coverage in Waynetown. Their Average 6 Month Premium is $128. Farmers is the most expensive at $557 for the same period.

Cheapest Liability Coverage in Waynetown, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$128	$21
American Family	$163	$28
Auto-Owners Insurance Co	$169	$29
USAA	$169	$29
Hastings Mutual	$182	$31
Indiana Farmers	$188	$32
Progressive	$218	$37
Auto-Owners	$224	$38
Grange	$224	$38
Travelers	$237	$40
SafeAuto	$249	$42
Farm Bureau	$303	$52
State Farm	$303	$51
Allstate	$527	$89
Farmers	$557	$93

Cheapest Full Coverage Car Insurance in Waynetown

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 Waynetown is American Family at $50 per month and $297 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waynetown, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$297	$50
Auto-Owners Insurance Co	$412	$70
Westfield	$418	$69
Nationwide	$521	$88
Hastings Mutual	$581	$98
USAA	$594	$100
Hastings Insurance	$655	$109
Progressive	$691	$116
Travelers	$691	$116
Auto-Owners	$781	$132
Farm Bureau	$1000	$166
State Farm	$1109	$187
Allstate	$1399	$236
Farmers	$1551	$264

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Average Car Insurance in Waynetown 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 Waynetown, IN increasing?

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

Car Insurance Premiums by Age in Waynetown

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	$392
40s	USAA	$367
50s	USAA	$348
60s	USAA	$362
70s	Buckeye Insurance Group	$387

Cheapest Car Insurance Rates for Teen Drivers in Waynetown,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Waynetown at $26 per month. At $3957 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$152	$26
American Family	$169	$29
Auto-Owners Insurance Co	$218	$37
Grange	$237	$40
USAA	$666	$112
Travelers	$860	$145
Progressive	$933	$157
Auto-Owners	$2290	$390
Allstate	$2987	$498
State Farm	$3163	$538
Farm Bureau	$3520	$587
Farmers	$3957	$673

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 Waynetown.

As young drivers face the highest rates in Waynetown, USAA offers the cheapest auto insurance rates at $392 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 Waynetown, Westfield is the cheapest car insurance provider. At $243 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 Waynetown is State Farm, offering rates of around $4532 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$243	$41
American Family	$254	$43
Nationwide	$285	$48
Grange	$303	$51
Progressive	$775	$131
Travelers	$781	$132
USAA	$909	$155
Allstate	$1212	$204
Farm Bureau	$2048	$348
Auto-Owners	$2533	$422
Farmers	$2533	$430
State Farm	$4532	$756

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

Car Insurance Rates with An Accident in Waynetown

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

Cheapest Car Insurance Companies after an At-Fault Accident in Waynetown

The cheapest car insurance companies after an at-fault accident in Waynetown include American Family and AutoOwners Insurance Co, offering $206 and $237, respectively. Allstate is an expensive provider with an average six-month premium of $2502.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$206	$35
Auto-Owners Insurance Co	$237	$40
Indiana Farmers	$243	$41
Grange	$266	$45
USAA	$466	$79
Travelers	$540	$91
Auto-Owners	$563	$95
Progressive	$575	$97
State Farm	$787	$133
Farmers	$1236	$208
Farm Bureau	$1484	$248
Allstate	$2502	$425

Waynetown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Waynetown IN. For example, the car insurance in Waynetown after a DUI increases to $769 for a six month policy. While the rate increases by $188 for a six-month policy in the case of a speeding ticket.

Waynetown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$836	$140
One Med/PIP claim	$836	$142
Not-at-fault accident	$884	$148
Two Med/PIP claims	$897	$152
One comp claim	$903	$151
Failure to show documents	$946	$161
Failure to wear a seat belt	$952	$158
Two comp claims	$958	$163
Child safety restraint	$969	$161
Driving without lights	$969	$165
Driving with expired registration	$1006	$167
Speeding 6 - 10 MPH over limit	$1024	$174
Driving too slowly	$1030	$171
Failure to yield	$1030	$175
Following too closely	$1030	$171
Illegal turn	$1030	$175
Speeding in school zone	$1030	$171
Cell phone violation	$1036	$176
Speeding 11 - 15 MPH over limit	$1036	$172
Texting while driving	$1036	$176
Wrong way/wrong lane	$1036	$172
Failure to stop at a red light	$1042	$177
Improper passing	$1049	$174
Speeding 16 - 20 MPH over limit	$1049	$179
At-fault accident - less than $1000	$1061	$176
Passing school bus	$1078	$184
Speeding 21 - 25 MPH over limit	$1133	$189
At-fault accident - $1000-$2000	$1169	$199
In 65 MPH zone	$1187	$198
At-fault accident - greater than $2000	$1193	$203
Operating a vehicle without permission	$1278	$213
Open container	$1290	$219
Racing	$1569	$261
Reckless driving	$1575	$268
Refusal to submit to a chemical test	$1593	$265
DUI	$1605	$273
Leaving scene of an accident/hit and run	$1636	$272
Driving with a suspended license	$1648	$281

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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 Waynetown 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 Waynetown.

The cheapest car insurance premiums in Waynetown are offered by American Family at $206 for a six-month policy. However, it can be as expensive as $2781 with companies like Farmers.

Waynetown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$206	$35
Grange	$375	$64
Travelers	$569	$96
Progressive	$575	$97
USAA	$703	$118
Farm Bureau	$1169	$197
State Farm	$1181	$199
Allstate	$1290	$217
Auto-Owners	$1781	$300
Hastings Mutual	$1915	$325
Farmers	$2781	$463

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 Waynetown are offered by Westfield at $157. However, it can be as expensive as $1951 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Waynetown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$27
American Family	$206	$35
Auto-Owners Insurance Co	$218	$37
Travelers	$612	$103
Progressive	$624	$105
USAA	$624	$104
State Farm	$666	$112
Auto-Owners	$903	$151
Farm Bureau	$1200	$204
Farmers	$1927	$321
Allstate	$1951	$332

Car Insurance Price Trends in Waynetown, Indiana

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

The average cost of full coverage in the Waynetown rose by $159 in January compared to $137 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the Waynetown rose to $42 in January, compared to $40 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 Waynetown?

The car insurance in Waynetown is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Waynetown?

The cheapest car insurance in Waynetown is $50 per month for full coverage.

How much is car insurance in Waynetown for teenagers?

Car insurance for teenagers costs $152 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 Waynetown?

The average cost of car insurance is $749 for a six-month policy. It will cost around $129 per month to insure your car in Waynetown.

Is car insurance expensive in Waynetown?

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

Cheapest Car Insurance Quotes in Waynetown

Why you can trust Way?

How Much Is Car Insurance in Waynetown

Avg. Car Insurance in Waynetown

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Waynetown

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Waynetown Car Insurance Rates by Company

Cheap Car Insurance Companies in Waynetown, IN

Way's key takeaways about car insurance in Waynetown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Waynetown

Cheapest Liability Coverage in Waynetown, IN

Cheapest Full Coverage Car Insurance in Waynetown

Cheapest Full Coverage Car Insurance Quotes in Waynetown, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Waynetown by Rating Factor

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

Car Insurance Premiums by Age in Waynetown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Waynetown,IN

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

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 Waynetown

Cheapest Car Insurance Companies after an At-Fault Accident in Waynetown

Waynetown Car Insurance Rates by Violation

Waynetown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Waynetown after a DUI

Waynetown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Waynetown after Speeding ticket

Car Insurance Price Trends in Waynetown, Indiana

Average Car Insurance Cost in Waynetown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Waynetown, IN

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

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