Compare Gary, IN Car Insurance Rates (2021)

Car insurance in Gary, IN averages $388 a month. Gary, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Gary car insurance rates, compare quotes from the top car insurance companies in Gary, 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

  • The cheapest car insurance company in Gary is USAA
  • The cheapest car insurance company in Gary for teen drivers is USAA
  • Average car insurance rates in Gary, IN are $4,654/year

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

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

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

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

How do age, gender, and marital status affect Gary, IN car insurance rates? Every Gary, 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 Gary, 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 $2,598 $2,651 $2,295 $2,513 $8,258 $10,476 $2,616 $2,836
American Family $3,161 $3,161 $2,850 $2,850 $8,579 $12,396 $3,161 $3,881
Farmers $2,208 $2,174 $1,891 $2,135 $12,118 $12,960 $2,920 $3,138
GEICO $2,080 $2,074 $1,958 $2,034 $6,157 $5,710 $2,376 $2,085
Liberty Mutual $6,579 $6,579 $6,047 $6,047 $14,412 $21,764 $6,579 $9,022
Nationwide $2,552 $2,618 $2,225 $2,389 $7,455 $9,747 $2,994 $3,290
Progressive $1,993 $1,885 $1,807 $1,816 $11,911 $13,439 $2,510 $2,562
State Farm $1,934 $1,934 $1,738 $1,738 $5,864 $7,485 $2,138 $2,374
Travelers $1,873 $1,910 $1,735 $1,744 $11,847 $19,022 $1,970 $2,305
USAA $1,436 $1,412 $1,347 $1,350 $4,075 $4,525 $1,945 $2,070

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Minimum Car Insurance in Gary, IN

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

Minimum Required Car Insurance Coverage in Gary, 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 Gary, IN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Gary, Indiana

Insurance Company Poor Fair Good
Allstate $5,304 $3,948 $3,590
American Family $6,822 $4,453 $3,740
Farmers $5,767 $4,702 $4,360
GEICO $3,688 $3,059 $2,430
Liberty Mutual $12,801 $8,354 $7,730
Nationwide $4,751 $3,997 $3,728
Progressive $5,222 $4,630 $4,368
State Farm $4,563 $2,746 $2,142
Travelers $5,905 $4,999 $4,999
USAA $3,030 $2,030 $1,750

Cheapest Gary, 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 Gary, IN to rates for a clean record with top companies.

Annual Gary, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,400 $5,032 $4,637 $4,053
American Family $3,483 $5,457 $6,946 $4,134
Farmers $4,430 $5,140 $5,315 $4,887
GEICO $2,001 $3,155 $4,291 $2,790
Liberty Mutual $7,571 $8,880 $13,744 $8,319
Nationwide $3,560 $4,623 $4,427 $4,025
Progressive $3,525 $6,271 $4,221 $4,944
State Farm $3,075 $3,376 $3,075 $3,075
Travelers $4,499 $5,560 $6,310 $4,835
USAA $1,708 $2,451 $2,803 $2,117

Cheapest Gary, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gary, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,258 $10,476
American Family $8,579 $12,396
Farmers $12,118 $12,960
GEICO $6,157 $5,710
Liberty Mutual $14,412 $21,764
Nationwide $7,455 $9,747
Progressive $11,911 $13,439
State Farm $5,864 $7,485
Travelers $11,847 $19,022
USAA $4,075 $4,525

Cheapest Gary, IN Car Insurance for Seniors

Take a look at Gary, 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 Gary, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,295 $2,513
American Family $2,850 $2,850
Farmers $1,891 $2,135
GEICO $1,958 $2,034
Liberty Mutual $6,047 $6,047
Nationwide $2,225 $2,389
Progressive $1,807 $1,816
State Farm $1,738 $1,738
Travelers $1,735 $1,744
USAA $1,347 $1,350

Cheapest Gary, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gary, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,637
American Family $6,946
Farmers $5,315
GEICO $4,291
Liberty Mutual $13,744
Nationwide $4,427
Progressive $4,221
State Farm $3,075
Travelers $6,310
USAA $2,803

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Cheapest Gary, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gary, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,280 $4,280
American Family $4,946 $5,064
Farmers $4,943 $4,943
GEICO $3,003 $3,116
Liberty Mutual $9,373 $9,885
Nationwide $4,159 $4,159
Progressive $4,740 $4,740
State Farm $3,063 $3,238
Travelers $5,301 $5,301
USAA $2,240 $2,300

Cheapest Gary, IN Car Insurance Rates by ZIP Code

Gary car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Gary, IN.

Annual Car Insurance Rates by ZIP Code in Gary, Indiana

ZIP Code Average Annual Rates
46402 $4,658
46403 $4,474
46404 $4,570
46406 $4,555
46407 $4,484
46408 $4,534
46409 $4,593

The Best Cheap Car Insurance Companies in Gary, IN

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

Average Annual Car Insurance Rates by Company in Gary, Indiana

Insurance Company Average Annual Rates
Allstate $4,280
American Family $5,005
Farmers $4,943
GEICO $3,059
Liberty Mutual $9,629
Nationwide $4,159
Progressive $4,740
State Farm $3,150
Travelers $5,301
USAA $2,270

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Category Winners: Cheapest Car Insurance in Gary, Indiana

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

Best Annual Car Insurance Rates by Company in Gary, Indiana

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

Cheapest Gary, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Gary, Indiana

Insurance Company Low Medium High
Allstate $4,037 $4,259 $4,545
American Family $4,972 $5,167 $4,877
Farmers $4,734 $4,930 $5,165
GEICO $2,843 $3,052 $3,282
Liberty Mutual $9,343 $9,607 $9,936
Nationwide $4,211 $4,122 $4,143
Progressive $4,440 $4,656 $5,125
State Farm $2,990 $3,151 $3,311
Travelers $5,152 $5,352 $5,398
USAA $2,161 $2,262 $2,387

What affects car insurance rates in Gary, Indiana?

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

Car Theft in Gary

High levels of vehicle theft can make car insurance more expensive. Gary, IN car theft statistics from the FBI indicate 456 vehicle thefts a year.

Commute Time in Gary

The more time you spend in your car the higher the risk of an accident. The average commute length in Gary, IN is 28.8 minutes according to City-Data.

Traffic in Gary

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Gary, IN traffic data from INRIX ranks Gary as the 948th-most congested in the world.

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Compare Car Insurance Quotes in Gary, IN

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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