Compare Hammond, IN Car Insurance Rates (2021)

Car insurance in Hammond, IN averages $368 a month. Hammond, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hammond car insurance rates, compare quotes from the top car insurance companies in Hammond, 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 Hammond is USAA
  • Average car insurance rates in Hammond, IN are $4,420/year
  • Average car insurance rates in Hammond, IN after a DUI are $5,288/year

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

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

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

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

How do age, gender, and marital status affect Hammond, IN car insurance rates? Every Hammond, 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 Hammond, 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 $2,634 $2,684 $2,333 $2,557 $8,488 $10,806 $2,645 $2,860
American Family $3,061 $3,061 $2,756 $2,756 $8,344 $12,075 $3,061 $3,763
Farmers $1,862 $1,837 $1,594 $1,788 $9,948 $10,593 $2,447 $2,650
GEICO $1,789 $1,784 $1,677 $1,733 $5,299 $4,933 $2,047 $1,804
Liberty Mutual $6,350 $6,350 $5,833 $5,833 $13,951 $21,087 $6,350 $8,721
Nationwide $2,552 $2,618 $2,225 $2,389 $7,455 $9,747 $2,994 $3,290
Progressive $2,008 $1,897 $1,819 $1,829 $12,030 $13,557 $2,531 $2,584
State Farm $1,888 $1,888 $1,700 $1,700 $5,815 $7,428 $2,093 $2,322
Travelers $1,654 $1,687 $1,532 $1,540 $10,276 $16,417 $1,740 $2,040
USAA $1,439 $1,415 $1,350 $1,354 $4,087 $4,538 $1,949 $2,074

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Minimum Car Insurance in Hammond, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Hammond, Indiana

Insurance Company Poor Fair Good
Allstate $5,421 $4,035 $3,672
American Family $6,633 $4,321 $3,625
Farmers $4,776 $3,890 $3,603
GEICO $3,172 $2,633 $2,095
Liberty Mutual $12,384 $8,074 $7,470
Nationwide $4,751 $3,997 $3,728
Progressive $5,266 $4,672 $4,407
State Farm $4,505 $2,703 $2,105
Travelers $5,137 $4,349 $4,347
USAA $3,037 $2,036 $1,755

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

Annual Hammond, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,470 $5,153 $4,743 $4,137
American Family $3,373 $5,304 $6,755 $4,008
Farmers $3,661 $4,264 $4,393 $4,041
GEICO $1,725 $2,714 $3,693 $2,401
Liberty Mutual $7,326 $8,589 $13,274 $8,048
Nationwide $3,560 $4,623 $4,427 $4,025
Progressive $3,563 $6,314 $4,266 $4,985
State Farm $3,029 $3,331 $3,029 $3,029
Travelers $3,915 $4,837 $5,486 $4,205
USAA $1,712 $2,458 $2,811 $2,122

Cheapest Hammond, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hammond, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,488 $10,806
American Family $8,344 $12,075
Farmers $9,948 $10,593
GEICO $5,299 $4,933
Liberty Mutual $13,951 $21,087
Nationwide $7,455 $9,747
Progressive $12,030 $13,557
State Farm $5,815 $7,428
Travelers $10,276 $16,417
USAA $4,087 $4,538

Cheapest Hammond, IN Car Insurance for Seniors

Take a look at Hammond, 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 Hammond, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,333 $2,557
American Family $2,756 $2,756
Farmers $1,594 $1,788
GEICO $1,677 $1,733
Liberty Mutual $5,833 $5,833
Nationwide $2,225 $2,389
Progressive $1,819 $1,829
State Farm $1,700 $1,700
Travelers $1,532 $1,540
USAA $1,350 $1,354

Cheapest Hammond, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hammond, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,743
American Family $6,755
Farmers $4,393
GEICO $3,693
Liberty Mutual $13,274
Nationwide $4,427
Progressive $4,266
State Farm $3,029
Travelers $5,486
USAA $2,811

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Cheapest Hammond, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hammond, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,376 $4,376
American Family $4,802 $4,918
Farmers $4,090 $4,090
GEICO $2,587 $2,680
Liberty Mutual $9,061 $9,558
Nationwide $4,159 $4,159
Progressive $4,782 $4,782
State Farm $3,017 $3,191
Travelers $4,611 $4,611
USAA $2,246 $2,306

Cheapest Hammond, IN Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Hammond, Indiana

ZIP Code Average Annual Rates
46320 $4,392
46323 $4,317
46324 $4,174
46327 $4,370
46394 $4,302

The Best Cheap Car Insurance Companies in Hammond, IN

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

Average Annual Car Insurance Rates by Company in Hammond, Indiana

Insurance Company Average Annual Rates
Allstate $4,376
American Family $4,860
Farmers $4,090
GEICO $2,633
Liberty Mutual $9,309
Nationwide $4,159
Progressive $4,782
State Farm $3,104
Travelers $4,611
USAA $2,276

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Category Winners: Cheapest Car Insurance in Hammond, Indiana

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

Best Annual Car Insurance Rates by Company in Hammond, 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 Hammond, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Hammond, Indiana

Insurance Company Low Medium High
Allstate $4,102 $4,353 $4,672
American Family $4,825 $5,018 $4,736
Farmers $3,943 $4,082 $4,245
GEICO $2,472 $2,627 $2,801
Liberty Mutual $9,019 $9,287 $9,622
Nationwide $4,211 $4,122 $4,143
Progressive $4,509 $4,705 $5,132
State Farm $2,939 $3,105 $3,269
Travelers $4,503 $4,655 $4,674
USAA $2,166 $2,268 $2,394

What affects car insurance rates in Hammond, Indiana?

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

Car Theft in Hammond

High levels of vehicle theft can make car insurance more expensive. Hammond, IN car theft statistics from the FBI indicate 291 vehicle thefts a year.

Commute Time in Hammond

The more time you spend in your car the higher the risk of an accident. The average commute length in Hammond, IN is 26.3 minutes according to City-Data.

Traffic in Hammond

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Hammond, IN traffic data from INRIX ranks Hammond as the 783rd-most congested in the world.

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Compare Car Insurance Quotes in Hammond, IN

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

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

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Average Monthly Car Insurance Rates by State