Compare Spencerville, IN Car Insurance Rates (2021)

Car insurance in Spencerville, IN averages $267 a month. Spencerville, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Spencerville car insurance rates, compare quotes from the top car insurance companies in Spencerville, 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 Spencerville, IN after a DUI are $3,800/year
  • The cheapest car insurance company in Spencerville for teen drivers is USAA
  • Average car insurance rates in Spencerville, IN are $3,210/year

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

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

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

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

How do age, gender, and marital status affect Spencerville, IN car insurance rates? Every Spencerville, 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 Spencerville, 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 $2,484 $2,545 $2,180 $2,385 $7,672 $9,671 $2,522 $2,745
American Family $2,195 $2,195 $1,970 $1,970 $5,962 $8,663 $2,195 $2,713
Farmers $1,493 $1,472 $1,277 $1,437 $8,034 $8,553 $1,966 $2,125
GEICO $1,461 $1,452 $1,360 $1,403 $4,269 $3,981 $1,670 $1,481
Liberty Mutual $3,820 $3,820 $3,505 $3,505 $8,444 $12,786 $3,820 $5,262
Nationwide $1,620 $1,659 $1,420 $1,518 $4,687 $6,096 $1,896 $2,076
Progressive $1,566 $1,480 $1,420 $1,427 $9,254 $10,427 $1,964 $2,008
State Farm $1,289 $1,289 $1,153 $1,153 $3,969 $5,077 $1,428 $1,592
Travelers $1,272 $1,295 $1,190 $1,190 $7,895 $12,551 $1,341 $1,556
USAA $994 $976 $931 $933 $2,823 $3,138 $1,342 $1,427

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Minimum Car Insurance in Spencerville, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Spencerville, Indiana

Insurance Company Poor Fair Good
Allstate $4,989 $3,714 $3,373
American Family $4,759 $3,096 $2,593
Farmers $3,848 $3,133 $2,903
GEICO $2,567 $2,135 $1,702
Liberty Mutual $7,484 $4,871 $4,505
Nationwide $2,985 $2,523 $2,357
Progressive $4,072 $3,607 $3,401
State Farm $3,086 $1,842 $1,428
Travelers $3,940 $3,336 $3,334
USAA $2,107 $1,401 $1,204

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

Annual Spencerville, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,208 $4,720 $4,353 $3,821
American Family $2,399 $3,832 $4,841 $2,858
Farmers $2,947 $3,435 $3,542 $3,255
GEICO $1,407 $2,204 $2,974 $1,954
Liberty Mutual $4,435 $5,191 $7,987 $4,868
Nationwide $2,254 $2,906 $2,786 $2,539
Progressive $2,768 $4,850 $3,304 $3,851
State Farm $2,068 $2,272 $2,068 $2,068
Travelers $3,001 $3,712 $4,209 $3,223
USAA $1,183 $1,692 $1,940 $1,467

Cheapest Spencerville, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spencerville, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,672 $9,671
American Family $5,962 $8,663
Farmers $8,034 $8,553
GEICO $4,269 $3,981
Liberty Mutual $8,444 $12,786
Nationwide $4,687 $6,096
Progressive $9,254 $10,427
State Farm $3,969 $5,077
Travelers $7,895 $12,551
USAA $2,823 $3,138

Cheapest Spencerville, IN Car Insurance for Seniors

Take a look at Spencerville, 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 Spencerville, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,180 $2,385
American Family $1,970 $1,970
Farmers $1,277 $1,437
GEICO $1,360 $1,403
Liberty Mutual $3,505 $3,505
Nationwide $1,420 $1,518
Progressive $1,420 $1,427
State Farm $1,153 $1,153
Travelers $1,190 $1,190
USAA $931 $933

Cheapest Spencerville, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spencerville, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,353
American Family $4,841
Farmers $3,542
GEICO $2,974
Liberty Mutual $7,987
Nationwide $2,786
Progressive $3,304
State Farm $2,068
Travelers $4,209
USAA $1,940

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Cheapest Spencerville, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spencerville, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,026 $4,026
American Family $3,441 $3,525
Farmers $3,295 $3,295
GEICO $2,096 $2,173
Liberty Mutual $5,469 $5,771
Nationwide $2,621 $2,621
Progressive $3,693 $3,693
State Farm $2,059 $2,178
Travelers $3,536 $3,536
USAA $1,550 $1,591

The Best Cheap Car Insurance Companies in Spencerville, IN

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

Average Annual Car Insurance Rates by Company in Spencerville, Indiana

Insurance Company Average Annual Rates
Allstate $4,026
American Family $3,483
Farmers $3,295
GEICO $2,135
Liberty Mutual $5,620
Nationwide $2,621
Progressive $3,693
State Farm $2,119
Travelers $3,536
USAA $1,570

Category Winners: Cheapest Car Insurance in Spencerville, Indiana

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

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

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

Annual Car Insurance Rates by Coverage Level in Spencerville, Indiana

Insurance Company Low Medium High
Allstate $3,839 $4,012 $4,225
American Family $3,456 $3,598 $3,394
Farmers $3,170 $3,286 $3,427
GEICO $2,007 $2,129 $2,268
Liberty Mutual $5,445 $5,607 $5,809
Nationwide $2,665 $2,600 $2,599
Progressive $3,493 $3,637 $3,950
State Farm $2,017 $2,118 $2,222
Travelers $3,446 $3,570 $3,592
USAA $1,507 $1,566 $1,639

Compare Car Insurance Quotes in Spencerville, IN

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Average Monthly Car Insurance Rates by State