Compare Montgomery, IN Car Insurance Rates (2021)

Car insurance in Montgomery, IN averages $275 a month. Montgomery, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Montgomery car insurance rates, compare quotes from the top car insurance companies in Montgomery, 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 Montgomery, IN are $3,302/year
  • The cheapest car insurance company in Montgomery for teen drivers is USAA
  • The cheapest car insurance company in Montgomery is USAA

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

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

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

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

How do age, gender, and marital status affect Montgomery, IN car insurance rates? Every Montgomery, 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 Montgomery, 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 $2,439 $2,499 $2,141 $2,339 $7,502 $9,440 $2,486 $2,702
American Family $2,349 $2,349 $2,107 $2,107 $6,331 $9,225 $2,349 $2,920
Farmers $1,565 $1,545 $1,341 $1,501 $8,242 $8,758 $2,049 $2,222
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $3,976 $3,976 $3,651 $3,651 $8,754 $13,239 $3,976 $5,466
Nationwide $1,656 $1,694 $1,451 $1,550 $4,839 $6,287 $1,944 $2,127
Progressive $1,591 $1,515 $1,432 $1,447 $9,013 $10,143 $1,990 $2,041
State Farm $1,499 $1,499 $1,327 $1,327 $4,421 $5,678 $1,653 $1,839
Travelers $1,244 $1,266 $1,165 $1,164 $7,591 $11,952 $1,314 $1,529
USAA $982 $970 $907 $919 $2,683 $3,017 $1,329 $1,431

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Minimum Car Insurance in Montgomery, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Montgomery, Indiana

Insurance Company Poor Fair Good
Allstate $4,890 $3,638 $3,303
American Family $5,078 $3,306 $2,769
Farmers $3,978 $3,236 $2,995
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,772 $5,058 $4,678
Nationwide $3,067 $2,591 $2,423
Progressive $4,039 $3,556 $3,345
State Farm $3,505 $2,091 $1,620
Travelers $3,794 $3,210 $3,206
USAA $2,071 $1,358 $1,161

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

Annual Montgomery, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,142 $4,618 $4,268 $3,747
American Family $2,562 $4,085 $5,171 $3,052
Farmers $3,043 $3,552 $3,654 $3,362
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,581 $5,380 $8,346 $5,037
Nationwide $2,316 $2,986 $2,863 $2,609
Progressive $2,748 $4,751 $3,274 $3,812
State Farm $2,351 $2,569 $2,351 $2,351
Travelers $2,887 $3,575 $4,052 $3,098
USAA $1,159 $1,641 $1,884 $1,435

Cheapest Montgomery, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Montgomery, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,502 $9,440
American Family $6,331 $9,225
Farmers $8,242 $8,758
GEICO $4,871 $4,549
Liberty Mutual $8,754 $13,239
Nationwide $4,839 $6,287
Progressive $9,013 $10,143
State Farm $4,421 $5,678
Travelers $7,591 $11,952
USAA $2,683 $3,017

Cheapest Montgomery, IN Car Insurance for Seniors

Take a look at Montgomery, 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 Montgomery, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,141 $2,339
American Family $2,107 $2,107
Farmers $1,341 $1,501
GEICO $1,547 $1,591
Liberty Mutual $3,651 $3,651
Nationwide $1,451 $1,550
Progressive $1,432 $1,447
State Farm $1,327 $1,327
Travelers $1,165 $1,164
USAA $907 $919

Cheapest Montgomery, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Montgomery, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,268
American Family $5,171
Farmers $3,654
GEICO $3,385
Liberty Mutual $8,346
Nationwide $2,863
Progressive $3,274
State Farm $2,351
Travelers $4,052
USAA $1,884

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Cheapest Montgomery, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Montgomery, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,944 $3,944
American Family $3,673 $3,762
Farmers $3,403 $3,403
GEICO $2,392 $2,483
Liberty Mutual $5,680 $5,992
Nationwide $2,693 $2,693
Progressive $3,646 $3,646
State Farm $2,337 $2,474
Travelers $3,403 $3,403
USAA $1,509 $1,550

The Best Cheap Car Insurance Companies in Montgomery, IN

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

Average Annual Car Insurance Rates by Company in Montgomery, Indiana

Insurance Company Average Annual Rates
Allstate $3,944
American Family $3,717
Farmers $3,403
GEICO $2,438
Liberty Mutual $5,836
Nationwide $2,693
Progressive $3,646
State Farm $2,405
Travelers $3,403
USAA $1,530

Category Winners: Cheapest Car Insurance in Montgomery, Indiana

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

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

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

Annual Car Insurance Rates by Coverage Level in Montgomery, Indiana

Insurance Company Low Medium High
Allstate $3,761 $3,929 $4,141
American Family $3,702 $3,842 $3,608
Farmers $3,287 $3,395 $3,526
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,675 $5,824 $6,009
Nationwide $2,740 $2,672 $2,668
Progressive $3,464 $3,595 $3,880
State Farm $2,301 $2,404 $2,511
Travelers $3,341 $3,435 $3,433
USAA $1,484 $1,527 $1,579

What affects car insurance rates in Montgomery, Indiana?

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

Commute Time in Montgomery

The more time you spend in your car the higher the risk of an accident. The average commute length in Montgomery, IN is 22.3 minutes according to City-Data.

Traffic in Montgomery

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Montgomery, IN traffic data from INRIX ranks Montgomery as the 413th-most congested in the world.

Compare Car Insurance Quotes in Montgomery, IN

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

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Average Monthly Car Insurance Rates by State