Compare Otwell, IN Car Insurance Rates (2021)

Car insurance in Otwell, IN averages $267 a month. Otwell, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Otwell car insurance rates, compare quotes from the top car insurance companies in Otwell, 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 Otwell, IN are $3,202/year
  • The cheapest car insurance company in Otwell is USAA
  • Average car insurance rates in Otwell, IN after a DUI are $3,800/year

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

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

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

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

How do age, gender, and marital status affect Otwell, IN car insurance rates? Every Otwell, 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 Otwell, 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 $2,341 $2,397 $2,057 $2,249 $7,187 $9,057 $2,381 $2,586
American Family $2,133 $2,133 $1,913 $1,913 $5,738 $8,356 $2,133 $2,645
Farmers $1,552 $1,532 $1,329 $1,489 $8,178 $8,688 $2,033 $2,206
GEICO $1,578 $1,564 $1,463 $1,503 $4,612 $4,309 $1,805 $1,604
Liberty Mutual $4,048 $4,048 $3,718 $3,718 $8,901 $13,457 $4,048 $5,562
Nationwide $1,678 $1,714 $1,471 $1,570 $4,919 $6,384 $1,972 $2,156
Progressive $1,586 $1,507 $1,432 $1,445 $9,106 $10,241 $1,985 $2,031
State Farm $1,513 $1,513 $1,341 $1,341 $4,487 $5,759 $1,670 $1,858
Travelers $1,096 $1,115 $1,028 $1,026 $6,624 $10,422 $1,157 $1,344
USAA $928 $918 $858 $871 $2,512 $2,823 $1,257 $1,354

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Minimum Car Insurance in Otwell, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Otwell, Indiana

Insurance Company Poor Fair Good
Allstate $4,687 $3,489 $3,170
American Family $4,601 $2,998 $2,512
Farmers $3,946 $3,210 $2,972
GEICO $2,773 $2,305 $1,836
Liberty Mutual $7,907 $5,146 $4,759
Nationwide $3,111 $2,627 $2,461
Progressive $4,054 $3,577 $3,368
State Farm $3,549 $2,116 $1,640
Travelers $3,318 $2,808 $2,805
USAA $1,945 $1,280 $1,095

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

Annual Otwell, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,017 $4,430 $4,089 $3,590
American Family $2,322 $3,712 $4,682 $2,765
Farmers $3,018 $3,525 $3,626 $3,335
GEICO $1,517 $2,382 $3,208 $2,111
Liberty Mutual $4,653 $5,470 $8,508 $5,119
Nationwide $2,351 $3,029 $2,905 $2,647
Progressive $2,760 $4,790 $3,289 $3,828
State Farm $2,380 $2,602 $2,380 $2,380
Travelers $2,527 $3,126 $3,542 $2,711
USAA $1,092 $1,546 $1,770 $1,352

Cheapest Otwell, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Otwell, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,187 $9,057
American Family $5,738 $8,356
Farmers $8,178 $8,688
GEICO $4,612 $4,309
Liberty Mutual $8,901 $13,457
Nationwide $4,919 $6,384
Progressive $9,106 $10,241
State Farm $4,487 $5,759
Travelers $6,624 $10,422
USAA $2,512 $2,823

Cheapest Otwell, IN Car Insurance for Seniors

Take a look at Otwell, 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 Otwell, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,057 $2,249
American Family $1,913 $1,913
Farmers $1,329 $1,489
GEICO $1,463 $1,503
Liberty Mutual $3,718 $3,718
Nationwide $1,471 $1,570
Progressive $1,432 $1,445
State Farm $1,341 $1,341
Travelers $1,028 $1,026
USAA $858 $871

Cheapest Otwell, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Otwell, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,089
American Family $4,682
Farmers $3,626
GEICO $3,208
Liberty Mutual $8,508
Nationwide $2,905
Progressive $3,289
State Farm $2,380
Travelers $3,542
USAA $1,770

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Cheapest Otwell, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Otwell, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,782 $3,782
American Family $3,330 $3,411
Farmers $3,376 $3,376
GEICO $2,264 $2,346
Liberty Mutual $5,779 $6,096
Nationwide $2,733 $2,733
Progressive $3,667 $3,667
State Farm $2,366 $2,505
Travelers $2,977 $2,977
USAA $1,421 $1,459

The Best Cheap Car Insurance Companies in Otwell, IN

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

Average Annual Car Insurance Rates by Company in Otwell, Indiana

Insurance Company Average Annual Rates
Allstate $3,782
American Family $3,370
Farmers $3,376
GEICO $2,305
Liberty Mutual $5,937
Nationwide $2,733
Progressive $3,667
State Farm $2,435
Travelers $2,977
USAA $1,440

Category Winners: Cheapest Car Insurance in Otwell, Indiana

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

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

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

Annual Car Insurance Rates by Coverage Level in Otwell, Indiana

Insurance Company Low Medium High
Allstate $3,599 $3,768 $3,979
American Family $3,351 $3,483 $3,278
Farmers $3,262 $3,368 $3,498
GEICO $2,177 $2,299 $2,438
Liberty Mutual $5,768 $5,924 $6,121
Nationwide $2,770 $2,712 $2,717
Progressive $3,480 $3,614 $3,905
State Farm $2,329 $2,434 $2,543
Travelers $2,922 $3,005 $3,003
USAA $1,391 $1,436 $1,493

What affects car insurance rates in Otwell, Indiana?

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

Commute Time in Otwell

The more time you spend in your car the higher the risk of an accident. The average commute length in Otwell, IN is 17.8 minutes according to City-Data.

Compare Car Insurance Quotes in Otwell, IN

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

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Average Monthly Car Insurance Rates by State