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Finding the cheapest car insurance quotes in Windfall 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 Windfall
The car insurance rate in Windfall is $620 for a six-month policy, which is $47 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $376, making it a popular choice for budget-conscious drivers. Rates in Windfall 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 $376 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 $381 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $475
for six months, making it
the third cheapest auto insurance company in Windfall.
Windfall Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Windfall, IN is AutoOwners Insurance Co, offering policies at just $376 for a six-month term. This is followed by Westfield, which has an average six-month premium of $381.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1149 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Windfall drivers find the best deals.
Way's key takeaways about car insurance in Windfall
The auto insurance costs in Windfall fall around $376 for six
months.
The cheapest auto insurance company in Windfall is Westfield.
Teen drivers pay the highest rate in Windfall at $511 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 Windfall
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 Windfall are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Windfall. Their Average 6 Month Premium is $116.
Farmers is the most
expensive at $210 for the same
period.
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 Windfall is AutoOwners Insurance Co
at $62 per month and $376
for six months.
Cheapest Full Coverage Car Insurance Quotes in Windfall,
IN
Get Your Car Insurance Quote in Windfall
Instantly!
Average Car Insurance in Windfall 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 Windfall, IN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Windfall, 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, Windfall's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Windfall
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
$399
40s
USAA
$374
50s
USAA
$353
60s
USAA
$368
70s
Buckeye Insurance Group
$393
Cheapest Car Insurance Rates for Teen Drivers in
Windfall,IN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Windfall at $23
per
month. At $3005 for a six-month premium,
Farm Bureau offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Windfall.
As young drivers face the highest rates in Windfall, USAA
offers the cheapest auto insurance rates at $399 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 Windfall,
Westfield is
the cheapest car insurance provider. At $221 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
Windfall is State Farm, offering
rates of around $2713 for six
months.
Save up to $971/yr on car insurance rates in Windfall.
Car Insurance Rates with An Accident in Windfall
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 Windfall, IN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Windfall
The cheapest car insurance companies after an at-fault accident in
Windfall include AutoOwners Insurance Co
and Indiana Farmers, offering $216
and $221,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1828.
Here is a list of driving violations that can increase your car
insurance rates in Windfall IN. For example, the car
insurance in Windfall
after a DUI increases to $701 for a six
month policy. While the rate increases by $171 for a six-month policy in the case of
a speeding ticket.
Windfall auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$763
$127
One Med/PIP claim
$763
$129
Not-at-fault accident
$806
$135
Two Med/PIP claims
$817
$139
One comp claim
$823
$138
Failure to show documents
$862
$147
Failure to wear a seat belt
$868
$144
Two comp claims
$873
$149
Child safety restraint
$884
$147
Driving without lights
$884
$151
Driving with expired registration
$917
$153
Speeding 6 - 10 MPH over limit
$934
$159
Driving too slowly
$939
$156
Failure to yield
$939
$160
Following too closely
$939
$156
Illegal turn
$939
$160
Speeding in school zone
$939
$156
Cell phone violation
$945
$161
Speeding 11 - 15 MPH over limit
$945
$157
Texting while driving
$945
$161
Wrong way/wrong lane
$945
$157
Failure to stop at a red light
$950
$162
Improper passing
$956
$159
Speeding 16 - 20 MPH over limit
$956
$163
At-fault accident - less than $1000
$967
$161
Passing school bus
$983
$167
Speeding 21 - 25 MPH over limit
$1033
$172
At-fault accident - $1000-$2000
$1066
$181
In 65 MPH zone
$1083
$180
At-fault accident - greater than $2000
$1088
$185
Operating a vehicle without permission
$1165
$194
Open container
$1176
$200
Racing
$1430
$238
Reckless driving
$1436
$245
Refusal to submit to a chemical test
$1453
$242
DUI
$1464
$249
Leaving scene of an accident/hit and run
$1492
$248
Driving with a suspended license
$1503
$256
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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 Windfall 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 Windfall.
The cheapest car insurance premiums in
Windfall are
offered by Grange at $342 for a six-month policy.
However, it can be as
expensive as $1746 with companies
like Hastings Mutual.
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 Windfall are offered by Westfield
at $143. However,
it can be as expensive as $1430
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Windfall after Speeding ticket
Car insurance rates in Windfall have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Windfall remained steady at $125 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Windfall remained steady at $36 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Windfall 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
Windfall. At $1240 for a
six-month policy, insuring
your car at 46076 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 Windfall?
The car insurance in Windfall is $20 per month, which is lower than the national average.
What is the cheapest car insurance in Windfall?
The cheapest car insurance in Windfall
is $62 per month
for full coverage.
How much is car insurance in Windfall for teenagers?
Car insurance for teenagers costs $139 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
Windfall?
The average cost of car insurance is $667 for a six-month
policy. It will cost around $104 per month to insure your
car in Windfall.
Is car insurance expensive in Windfall?
Car insurance can be expensive in Windfall if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Windfall can be
affordable.
What is the best car insurance in Windfall,
IN?
The best car insurance company in Windfall
IN is
AutoOwners Insurance Co, offering $376 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Windfall, IN
Car Insurance Rates by State in the USA (2025 Update)
Windfall Car Insurance
