Compare Austin, IN Car Insurance Rates (2021)

Car insurance in Austin, IN averages $295 a month. Austin, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Austin car insurance rates, compare quotes from the top car insurance companies in Austin, IN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Austin, IN are $3,537/year
  • The cheapest car insurance company in Austin is USAA
  • The cheapest car insurance company in Austin for teen drivers is USAA

If you need to buy Austin, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Austin, IN is right here.

You’ll find Austin car insurance rates, the cheapest Austin, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Austin, Indiana car insurance rates to South Bend car insurance rates, Carmel car insurance rates, and Hammond car insurance rates.

Ready to find affordable Austin, IN car insurance today? Enter your ZIP code for fast, free Austin car insurance quotes.

Cheapest Austin, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Austin, IN car insurance rates? Every Austin, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Austin, Indiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,545 $2,612 $2,229 $2,438 $7,753 $9,753 $2,597 $2,826
American Family $2,473 $2,473 $2,219 $2,219 $6,768 $9,826 $2,473 $3,050
Farmers $1,635 $1,610 $1,398 $1,578 $9,065 $9,712 $2,170 $2,333
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $4,048 $4,048 $3,718 $3,718 $8,901 $13,457 $4,048 $5,562
Nationwide $1,921 $1,967 $1,676 $1,795 $5,684 $7,404 $2,260 $2,479
Progressive $1,815 $1,720 $1,642 $1,653 $10,699 $12,067 $2,283 $2,335
State Farm $1,593 $1,593 $1,411 $1,411 $4,720 $6,062 $1,758 $1,955
Travelers $1,281 $1,303 $1,203 $1,202 $8,000 $12,647 $1,357 $1,567
USAA $1,100 $1,085 $1,021 $1,032 $3,035 $3,397 $1,490 $1,598

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Minimum Car Insurance in Austin, IN

Every driver must carry the minimum car insurance in Austin, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Austin, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Austin, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Austin, IN. Compare credit history car insurance rates in Austin from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Austin, Indiana

Insurance Company Poor Fair Good
Allstate $5,083 $3,774 $3,426
American Family $5,388 $3,498 $2,927
Farmers $4,296 $3,511 $3,257
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,907 $5,146 $4,759
Nationwide $3,589 $3,028 $2,828
Progressive $4,719 $4,176 $3,936
State Farm $3,735 $2,227 $1,726
Travelers $3,975 $3,369 $3,366
USAA $2,314 $1,532 $1,314

Cheapest Austin, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Austin, IN to rates for a clean record with top companies.

Annual Austin, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,269 $4,794 $4,424 $3,889
American Family $2,714 $4,320 $5,483 $3,234
Farmers $3,306 $3,834 $3,965 $3,645
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,653 $5,470 $8,508 $5,119
Nationwide $2,700 $3,496 $3,350 $3,048
Progressive $3,194 $5,630 $3,819 $4,463
State Farm $2,505 $2,738 $2,505 $2,505
Travelers $3,032 $3,748 $4,248 $3,253
USAA $1,300 $1,850 $2,119 $1,610

Cheapest Austin, IN Car Insurance for Teen Drivers

Teen car insurance in Austin, IN can be expensive. Take a look at rates from the top car insurance companies in Austin for teenagers.

Annual Car Insurance Rates for Teen Drivers in Austin, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,753 $9,753
American Family $6,768 $9,826
Farmers $9,065 $9,712
GEICO $4,871 $4,549
Liberty Mutual $8,901 $13,457
Nationwide $5,684 $7,404
Progressive $10,699 $12,067
State Farm $4,720 $6,062
Travelers $8,000 $12,647
USAA $3,035 $3,397

Cheapest Austin, IN Car Insurance for Seniors

Take a look at Austin, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Austin, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,229 $2,438
American Family $2,219 $2,219
Farmers $1,398 $1,578
GEICO $1,547 $1,591
Liberty Mutual $3,718 $3,718
Nationwide $1,676 $1,795
Progressive $1,642 $1,653
State Farm $1,411 $1,411
Travelers $1,203 $1,202
USAA $1,021 $1,032

Cheapest Austin, IN Car Insurance Rates After a DUI

A DUI in Austin, IN increases car insurance rates. Compare Austin, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Austin, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,424
American Family $5,483
Farmers $3,965
GEICO $3,385
Liberty Mutual $8,508
Nationwide $3,350
Progressive $3,819
State Farm $2,505
Travelers $4,248
USAA $2,119

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Cheapest Austin, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Austin, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Austin, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,094 $4,094
American Family $3,890 $3,985
Farmers $3,688 $3,688
GEICO $2,392 $2,483
Liberty Mutual $5,779 $6,096
Nationwide $3,148 $3,148
Progressive $4,277 $4,277
State Farm $2,490 $2,636
Travelers $3,570 $3,570
USAA $1,697 $1,743

The Best Cheap Car Insurance Companies in Austin, IN

Take a look at a side-by-side comparison of the top car insurance companies in Austin, IN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Austin, Indiana

Insurance Company Average Annual Rates
Allstate $4,094
American Family $3,938
Farmers $3,688
GEICO $2,438
Liberty Mutual $5,937
Nationwide $3,148
Progressive $4,277
State Farm $2,563
Travelers $3,570
USAA $1,720

Category Winners: Cheapest Car Insurance in Austin, Indiana

Find the cheapest car insurance companies in Austin, IN for each category right here.

Best Annual Car Insurance Rates by Company in Austin, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Austin, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Austin car insurance rates. Find the cheapest Austin, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Austin, Indiana

Insurance Company Low Medium High
Allstate $3,911 $4,079 $4,292
American Family $3,904 $4,068 $3,841
Farmers $3,535 $3,681 $3,847
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,768 $5,924 $6,121
Nationwide $3,204 $3,123 $3,118
Progressive $4,028 $4,207 $4,595
State Farm $2,449 $2,562 $2,677
Travelers $3,496 $3,604 $3,611
USAA $1,654 $1,715 $1,791

What affects car insurance rates in Austin, Indiana?

What factors can have an impact on Austin, IN car insurance? There are several reasons why Austin car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Austin, Indiana.

Commute Time in Austin

The more time you spend in your car the higher the risk of an accident. The average commute length in Austin, IN is 19.3 minutes according to City-Data.

Traffic in Austin

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Austin, IN traffic data from INRIX ranks Austin as the 207th-most congested in the world.

Compare Car Insurance Quotes in Austin, IN

Ready to find affordable Austin, Indiana car insurance today? Enter your ZIP code for fast, free Austin, IN car insurance quotes.

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Average Monthly Car Insurance Rates by State