Compare Spencer, IN Car Insurance Rates (2021)

Car insurance in Spencer, IN averages $279 a month. Spencer, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Spencer car insurance rates, compare quotes from the top car insurance companies in Spencer, 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 Spencer for teen drivers is USAA
  • Average car insurance rates in Spencer, IN after a DUI are $3,958/year
  • The cheapest car insurance company in Spencer is USAA

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

You’ll find Spencer car insurance rates, the cheapest Spencer, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Spencer, Indiana car insurance rates to Bloomington car insurance rates, Gary car insurance rates, and Evansville car insurance rates.

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

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

How do age, gender, and marital status affect Spencer, IN car insurance rates? Every Spencer, 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 Spencer, 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 $2,424 $2,480 $2,133 $2,334 $7,550 $9,540 $2,454 $2,665
American Family $2,177 $2,177 $1,958 $1,958 $6,007 $8,693 $2,177 $2,675
Farmers $1,508 $1,489 $1,292 $1,450 $8,009 $8,545 $1,979 $2,137
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $4,048 $4,048 $3,718 $3,718 $8,901 $13,457 $4,048 $5,562
Nationwide $1,518 $1,554 $1,332 $1,424 $4,354 $5,659 $1,774 $1,940
Progressive $1,786 $1,692 $1,614 $1,625 $10,506 $11,843 $2,246 $2,300
State Farm $1,747 $1,747 $1,546 $1,546 $5,185 $6,651 $1,926 $2,149
Travelers $1,228 $1,251 $1,146 $1,147 $7,494 $11,850 $1,296 $1,509
USAA $1,003 $990 $927 $939 $2,749 $3,089 $1,357 $1,460

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Minimum Car Insurance in Spencer, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Spencer, Indiana

Insurance Company Poor Fair Good
Allstate $4,889 $3,643 $3,310
American Family $4,759 $3,089 $2,586
Farmers $3,854 $3,140 $2,908
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,907 $5,146 $4,759
Nationwide $2,781 $2,352 $2,200
Progressive $4,637 $4,102 $3,866
State Farm $4,099 $2,443 $1,893
Travelers $3,749 $3,175 $3,172
USAA $2,117 $1,389 $1,187

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

Annual Spencer, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,144 $4,632 $4,270 $3,743
American Family $2,396 $3,826 $4,835 $2,854
Farmers $2,954 $3,444 $3,545 $3,261
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,653 $5,470 $8,508 $5,119
Nationwide $2,104 $2,708 $2,597 $2,368
Progressive $3,145 $5,515 $3,760 $4,386
State Farm $2,748 $3,004 $2,748 $2,748
Travelers $2,859 $3,532 $4,002 $3,067
USAA $1,185 $1,678 $1,928 $1,467

Cheapest Spencer, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spencer, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,550 $9,540
American Family $6,007 $8,693
Farmers $8,009 $8,545
GEICO $4,871 $4,549
Liberty Mutual $8,901 $13,457
Nationwide $4,354 $5,659
Progressive $10,506 $11,843
State Farm $5,185 $6,651
Travelers $7,494 $11,850
USAA $2,749 $3,089

Cheapest Spencer, IN Car Insurance for Seniors

Take a look at Spencer, 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 Spencer, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,133 $2,334
American Family $1,958 $1,958
Farmers $1,292 $1,450
GEICO $1,547 $1,591
Liberty Mutual $3,718 $3,718
Nationwide $1,332 $1,424
Progressive $1,614 $1,625
State Farm $1,546 $1,546
Travelers $1,146 $1,147
USAA $927 $939

Cheapest Spencer, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spencer, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,270
American Family $4,835
Farmers $3,545
GEICO $3,385
Liberty Mutual $8,508
Nationwide $2,597
Progressive $3,760
State Farm $2,748
Travelers $4,002
USAA $1,928

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Cheapest Spencer, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spencer, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,947 $3,947
American Family $3,436 $3,520
Farmers $3,301 $3,301
GEICO $2,392 $2,483
Liberty Mutual $5,779 $6,096
Nationwide $2,444 $2,444
Progressive $4,201 $4,201
State Farm $2,733 $2,892
Travelers $3,365 $3,365
USAA $1,543 $1,585

The Best Cheap Car Insurance Companies in Spencer, IN

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

Average Annual Car Insurance Rates by Company in Spencer, Indiana

Insurance Company Average Annual Rates
Allstate $3,947
American Family $3,478
Farmers $3,301
GEICO $2,438
Liberty Mutual $5,937
Nationwide $2,444
Progressive $4,201
State Farm $2,812
Travelers $3,365
USAA $1,564

Category Winners: Cheapest Car Insurance in Spencer, Indiana

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

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

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

Annual Car Insurance Rates by Coverage Level in Spencer, Indiana

Insurance Company Low Medium High
Allstate $3,749 $3,932 $4,161
American Family $3,439 $3,593 $3,402
Farmers $3,184 $3,294 $3,425
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,768 $5,924 $6,121
Nationwide $2,485 $2,424 $2,424
Progressive $3,981 $4,139 $4,483
State Farm $2,696 $2,811 $2,929
Travelers $3,304 $3,397 $3,395
USAA $1,517 $1,561 $1,615

What affects car insurance rates in Spencer, Indiana?

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

Commute Time in Spencer

The more time you spend in your car the higher the risk of an accident. The average commute length in Spencer, IN is 18.8 minutes according to City-Data.

Compare Car Insurance Quotes in Spencer, IN

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

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Average Monthly Car Insurance Rates by State