Cheapest Car Insurance Quotes in Whiting

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Whiting Car Insurance

^$ 28

/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 Whiting

The car insurance rate in Whiting is $900 for a six-month policy, which is $233 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $545, making it a popular choice for budget-conscious drivers. Rates in Whiting 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 Whiting

$900

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Whiting

1st place: AutoOwners Insurance Co

At $545 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 $554 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $690 for six months, making it the third cheapest auto insurance company in Whiting.

Whiting Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Whiting, IN is AutoOwners Insurance Co, offering policies at just $545 for a six-month term. This is followed by Westfield, which has an average six-month premium of $554.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1669 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Whiting drivers find the best deals.

Cheap Car Insurance Companies in Whiting, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$545	$90
Westfield	$554	$95
Nationwide	$690	$116
American Family	$714	$120
USAA	$761	$128
Hastings Mutual	$770	$130
Travelers	$851	$143
Hastings Insurance	$867	$147
Progressive	$890	$150
Auto-Owners	$922	$155
State Farm	$1235	$208
Farm Bureau	$1243	$212
Allstate	$1669	$281

Key Takeaways

Way's key takeaways about car insurance in Whiting

The auto insurance costs in Whiting fall around $545 for six months.
The cheapest auto insurance company in Whiting is Westfield.
Teen drivers pay the highest rate in Whiting at $741 per month.

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Cheapest Minimum Liability Car Insurance in Whiting

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 Whiting are given below.

Westfield provides the cheapest minimum car insurance coverage in Whiting. Their Average 6 Month Premium is $169. Farmers is the most expensive at $305 for the same period.

Cheapest Liability Coverage in Whiting, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$169	$28
USAA	$216	$36
Auto-Owners Insurance Co	$224	$38
Hastings Mutual	$240	$41
Indiana Farmers	$248	$42
American Family	$273	$46
Auto-Owners	$273	$46
Progressive	$289	$49
Grange	$297	$50
Travelers	$305	$51
SafeAuto	$329	$55
State Farm	$352	$59
Farm Bureau	$401	$69
Allstate	$657	$111
Farmers	$305	$51

Cheapest Full Coverage Car Insurance in Whiting

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 Whiting is AutoOwners Insurance Co at $90 per month and $545 for six months.

Cheapest Full Coverage Car Insurance Quotes in Whiting, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$545	$90
Westfield	$554	$95
Nationwide	$690	$116
American Family	$714	$120
USAA	$761	$128
Hastings Mutual	$770	$130
Travelers	$851	$143
Hastings Insurance	$867	$147
Progressive	$890	$150
Auto-Owners	$922	$155
State Farm	$1235	$208
Farm Bureau	$1243	$212
Allstate	$1669	$281

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Average Car Insurance in Whiting 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 Whiting, IN increasing?

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

Car Insurance Premiums by Age in Whiting

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	$579
40s	USAA	$543
50s	USAA	$513
60s	USAA	$535
70s	Buckeye Insurance Group	$571

Cheapest Car Insurance Rates for Teen Drivers in Whiting,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Whiting at $34 per month. At $4362 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$201	$34
Auto-Owners Insurance Co	$289	$49
Grange	$313	$53
USAA	$641	$108
Travelers	$971	$163
Progressive	$1123	$189
American Family	$1956	$329
Auto-Owners	$2607	$435
State Farm	$2711	$460
Allstate	$3224	$537
Farm Bureau	$4362	$741

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 Whiting.

As young drivers face the highest rates in Whiting, USAA offers the cheapest auto insurance rates at $579 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 Whiting, Westfield is the cheapest car insurance provider. At $321 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 Whiting is State Farm, offering rates of around $3938 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$321	$54
Nationwide	$377	$63
Grange	$401	$68
Travelers	$890	$150
Progressive	$938	$158
USAA	$1026	$174
American Family	$1099	$185
Allstate	$1331	$224
Farm Bureau	$2534	$423
Auto-Owners	$2735	$464
State Farm	$3938	$656

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

Car Insurance Rates with An Accident in Whiting

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

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

The cheapest car insurance companies after an at-fault accident in Whiting include AutoOwners Insurance Co and Indiana Farmers, offering $313 and $321, respectively. Allstate is an expensive provider with an average six-month premium of $2654.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$313	$53
Indiana Farmers	$321	$54
Grange	$352	$59
Farmers	$409	$70
USAA	$545	$92
Travelers	$633	$107
Auto-Owners	$649	$109
Progressive	$698	$117
State Farm	$745	$126
American Family	$1018	$171
Farm Bureau	$1852	$309
Allstate	$2654	$451

Whiting Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Whiting IN. For example, the car insurance in Whiting after a DUI increases to $1018 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

Whiting auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1107	$185
One Med/PIP claim	$1107	$188
Not-at-fault accident	$1170	$196
Two Med/PIP claims	$1187	$201
One comp claim	$1195	$200
Failure to show documents	$1251	$213
Failure to wear a seat belt	$1260	$209
Two comp claims	$1268	$216
Child safety restraint	$1283	$213
Driving without lights	$1283	$219
Driving with expired registration	$1331	$221
Speeding 6 - 10 MPH over limit	$1355	$231
Driving too slowly	$1364	$227
Failure to yield	$1364	$232
Following too closely	$1364	$227
Illegal turn	$1364	$232
Speeding in school zone	$1364	$227
Cell phone violation	$1372	$234
Speeding 11 - 15 MPH over limit	$1372	$228
Texting while driving	$1372	$234
Wrong way/wrong lane	$1372	$228
Failure to stop at a red light	$1380	$235
Improper passing	$1388	$231
Speeding 16 - 20 MPH over limit	$1388	$236
At-fault accident - less than $1000	$1404	$234
Passing school bus	$1427	$243
Speeding 21 - 25 MPH over limit	$1500	$250
At-fault accident - $1000-$2000	$1547	$263
In 65 MPH zone	$1571	$262
At-fault accident - greater than $2000	$1580	$269
Operating a vehicle without permission	$1692	$282
Open container	$1708	$290
Racing	$2076	$346
Reckless driving	$2084	$355
Refusal to submit to a chemical test	$2109	$351
DUI	$2125	$362
Leaving scene of an accident/hit and run	$2165	$360
Driving with a suspended license	$2182	$371

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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 Whiting 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 Whiting.

The cheapest car insurance premiums in Whiting are offered by Grange at $497 for a six-month policy. However, it can be as expensive as $2534 with companies like Hastings Mutual.

Whiting car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$497	$82
Travelers	$666	$112
Progressive	$722	$122
USAA	$794	$134
American Family	$1107	$186
State Farm	$1291	$217
Farm Bureau	$1476	$248
Allstate	$1539	$259
Auto-Owners	$2076	$350
Hastings Mutual	$2534	$431

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 Whiting are offered by Westfield at $208. However, it can be as expensive as $2076 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Whiting after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$208	$35
Auto-Owners Insurance Co	$289	$49
State Farm	$633	$107
Travelers	$690	$116
USAA	$706	$120
American Family	$722	$122
Progressive	$753	$127
Auto-Owners	$971	$162
Farm Bureau	$1492	$254
Allstate	$2076	$346

Car Insurance Price Trends in Whiting, Indiana

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

The average cost of full coverage in the Whiting remained steady at $181 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Whiting remained steady at $53 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 Whiting?

The car insurance in Whiting is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Whiting?

The cheapest car insurance in Whiting is $90 per month for full coverage.

How much is car insurance in Whiting for teenagers?

Car insurance for teenagers costs $201 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 Whiting?

The average cost of car insurance is $667 for a six-month policy. It will cost around $151 per month to insure your car in Whiting.

Is car insurance expensive in Whiting?

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

Cheapest Car Insurance Quotes in Whiting

Why you can trust Way?

How Much Is Car Insurance in Whiting

Avg. Car Insurance in Whiting

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Whiting

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Whiting Car Insurance Rates by Company

Cheap Car Insurance Companies in Whiting, IN

Way's key takeaways about car insurance in Whiting

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Whiting

Cheapest Liability Coverage in Whiting, IN

Cheapest Full Coverage Car Insurance in Whiting

Cheapest Full Coverage Car Insurance Quotes in Whiting, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Whiting by Rating Factor

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

Car Insurance Premiums by Age in Whiting

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Whiting,IN

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

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 Whiting

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

Whiting Car Insurance Rates by Violation

Whiting auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Whiting after a DUI

Whiting car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Whiting after Speeding ticket

Car Insurance Price Trends in Whiting, Indiana

Average Car Insurance Cost in Whiting by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Whiting, IN

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

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