Compare Morgantown, IN Car Insurance Rates (2021)

Car insurance in Morgantown, IN averages $262 a month. Morgantown, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Morgantown car insurance rates, compare quotes from the top car insurance companies in Morgantown, 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 Morgantown, IN after a DUI are $3,729/year
  • The cheapest car insurance company in Morgantown for teen drivers is USAA
  • The cheapest car insurance company in Morgantown is USAA

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

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

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

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

How do age, gender, and marital status affect Morgantown, IN car insurance rates? Every Morgantown, 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 Morgantown, 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 $2,182 $2,227 $1,932 $2,114 $6,846 $8,680 $2,188 $2,374
American Family $2,195 $2,195 $1,980 $1,980 $6,210 $8,933 $2,195 $2,677
Farmers $1,441 $1,424 $1,232 $1,382 $7,696 $8,207 $1,898 $2,054
GEICO $1,723 $1,721 $1,615 $1,682 $5,159 $4,791 $1,979 $1,740
Liberty Mutual $3,256 $3,256 $2,998 $2,998 $7,045 $10,603 $3,256 $4,438
Nationwide $1,516 $1,549 $1,332 $1,420 $4,405 $5,706 $1,777 $1,940
Progressive $1,725 $1,630 $1,564 $1,574 $10,243 $11,517 $2,167 $2,209
State Farm $1,458 $1,458 $1,304 $1,304 $4,514 $5,769 $1,615 $1,805
Travelers $1,188 $1,209 $1,110 $1,111 $7,236 $11,401 $1,255 $1,460
USAA $1,083 $1,062 $1,014 $1,014 $3,096 $3,441 $1,460 $1,552

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Minimum Car Insurance in Morgantown, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Morgantown, Indiana

Insurance Company Poor Fair Good
Allstate $4,407 $3,296 $3,001
American Family $4,861 $3,145 $2,631
Farmers $3,694 $3,014 $2,792
GEICO $3,072 $2,551 $2,030
Liberty Mutual $6,299 $4,101 $3,793
Nationwide $2,795 $2,362 $2,210
Progressive $4,492 $3,985 $3,759
State Farm $3,502 $2,089 $1,619
Travelers $3,615 $3,063 $3,060
USAA $2,304 $1,529 $1,313

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

Annual Morgantown, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,846 $4,190 $3,856 $3,379
American Family $2,442 $3,897 $4,932 $2,911
Farmers $2,832 $3,307 $3,401 $3,127
GEICO $1,665 $2,634 $3,593 $2,313
Liberty Mutual $3,638 $4,329 $6,929 $4,029
Nationwide $2,117 $2,718 $2,608 $2,379
Progressive $3,052 $5,371 $3,644 $4,248
State Farm $2,345 $2,578 $2,345 $2,345
Travelers $2,758 $3,408 $3,860 $2,958
USAA $1,290 $1,847 $2,122 $1,602

Cheapest Morgantown, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Morgantown, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,846 $8,680
American Family $6,210 $8,933
Farmers $7,696 $8,207
GEICO $5,159 $4,791
Liberty Mutual $7,045 $10,603
Nationwide $4,405 $5,706
Progressive $10,243 $11,517
State Farm $4,514 $5,769
Travelers $7,236 $11,401
USAA $3,096 $3,441

Cheapest Morgantown, IN Car Insurance for Seniors

Take a look at Morgantown, 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 Morgantown, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,932 $2,114
American Family $1,980 $1,980
Farmers $1,232 $1,382
GEICO $1,615 $1,682
Liberty Mutual $2,998 $2,998
Nationwide $1,332 $1,420
Progressive $1,564 $1,574
State Farm $1,304 $1,304
Travelers $1,110 $1,111
USAA $1,014 $1,014

Cheapest Morgantown, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Morgantown, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,856
American Family $4,932
Farmers $3,401
GEICO $3,593
Liberty Mutual $6,929
Nationwide $2,608
Progressive $3,644
State Farm $2,345
Travelers $3,860
USAA $2,122

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Cheapest Morgantown, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Morgantown, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,568 $3,568
American Family $3,502 $3,589
Farmers $3,167 $3,167
GEICO $2,506 $2,596
Liberty Mutual $4,607 $4,855
Nationwide $2,456 $2,456
Progressive $4,079 $4,079
State Farm $2,336 $2,471
Travelers $3,246 $3,246
USAA $1,693 $1,738

The Best Cheap Car Insurance Companies in Morgantown, IN

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

Average Annual Car Insurance Rates by Company in Morgantown, Indiana

Insurance Company Average Annual Rates
Allstate $3,568
American Family $3,546
Farmers $3,167
GEICO $2,551
Liberty Mutual $4,731
Nationwide $2,456
Progressive $4,079
State Farm $2,403
Travelers $3,246
USAA $1,715

Category Winners: Cheapest Car Insurance in Morgantown, Indiana

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

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

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

Annual Car Insurance Rates by Coverage Level in Morgantown, Indiana

Insurance Company Low Medium High
Allstate $3,375 $3,551 $3,777
American Family $3,492 $3,662 $3,483
Farmers $3,063 $3,162 $3,276
GEICO $2,386 $2,545 $2,723
Liberty Mutual $4,542 $4,716 $4,935
Nationwide $2,498 $2,436 $2,433
Progressive $3,854 $4,015 $4,367
State Farm $2,292 $2,403 $2,516
Travelers $3,196 $3,276 $3,266
USAA $1,650 $1,711 $1,784

What affects car insurance rates in Morgantown, Indiana?

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

Commute Time in Morgantown

The more time you spend in your car the higher the risk of an accident. The average commute length in Morgantown, IN is 32.1 minutes according to City-Data.

Compare Car Insurance Quotes in Morgantown, IN

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

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Average Monthly Car Insurance Rates by State