Compare Valparaiso, IN Car Insurance Rates (2021)

Car insurance in Valparaiso, IN averages $290 a month. Valparaiso, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Valparaiso car insurance rates, compare quotes from the top car insurance companies in Valparaiso, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Valparaiso, IN are $3,481/year
  • The cheapest ZIP code in Valparaiso is 46383
  • The cheapest car insurance company in Valparaiso is USAA

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

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

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

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

How do age, gender, and marital status affect Valparaiso, IN car insurance rates? Every Valparaiso, 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 Valparaiso, 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 $2,415 $2,473 $2,123 $2,321 $7,439 $9,380 $2,450 $2,664
American Family $2,468 $2,468 $2,224 $2,224 $6,945 $10,016 $2,468 $3,022
Farmers $1,709 $1,684 $1,461 $1,644 $9,335 $9,965 $2,260 $2,440
GEICO $1,464 $1,453 $1,377 $1,428 $4,281 $3,966 $1,672 $1,467
Liberty Mutual $4,489 $4,489 $4,132 $4,132 $9,746 $14,679 $4,489 $6,129
Nationwide $1,819 $1,856 $1,594 $1,700 $5,401 $7,009 $2,145 $2,347
Progressive $1,745 $1,644 $1,586 $1,595 $10,444 $11,733 $2,188 $2,222
State Farm $1,531 $1,531 $1,374 $1,374 $4,738 $6,074 $1,701 $1,884
Travelers $1,066 $1,085 $1,002 $1,003 $6,762 $10,834 $1,126 $1,289
USAA $1,119 $1,101 $1,043 $1,049 $3,139 $3,504 $1,512 $1,616

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Minimum Car Insurance in Valparaiso, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Valparaiso, Indiana

Insurance Company Poor Fair Good
Allstate $4,844 $3,605 $3,276
American Family $5,456 $3,530 $2,953
Farmers $4,446 $3,627 $3,363
GEICO $2,572 $2,139 $1,705
Liberty Mutual $8,704 $5,664 $5,238
Nationwide $3,397 $2,866 $2,689
Progressive $4,560 $4,050 $3,824
State Farm $3,682 $2,195 $1,701
Travelers $3,359 $2,851 $2,852
USAA $2,372 $1,567 $1,342

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

Annual Valparaiso, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,118 $4,580 $4,225 $3,710
American Family $2,743 $4,363 $5,543 $3,269
Farmers $3,414 $3,969 $4,098 $3,767
GEICO $1,400 $2,210 $3,002 $1,941
Liberty Mutual $5,037 $5,985 $9,547 $5,574
Nationwide $2,564 $3,309 $3,173 $2,889
Progressive $3,093 $5,478 $3,695 $4,313
State Farm $2,465 $2,710 $2,465 $2,465
Travelers $2,570 $3,167 $3,588 $2,758
USAA $1,328 $1,892 $2,173 $1,648

Cheapest Valparaiso, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Valparaiso, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,439 $9,380
American Family $6,945 $10,016
Farmers $9,335 $9,965
GEICO $4,281 $3,966
Liberty Mutual $9,746 $14,679
Nationwide $5,401 $7,009
Progressive $10,444 $11,733
State Farm $4,738 $6,074
Travelers $6,762 $10,834
USAA $3,139 $3,504

Cheapest Valparaiso, IN Car Insurance for Seniors

Take a look at Valparaiso, 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 Valparaiso, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,123 $2,321
American Family $2,224 $2,224
Farmers $1,461 $1,644
GEICO $1,377 $1,428
Liberty Mutual $4,132 $4,132
Nationwide $1,594 $1,700
Progressive $1,586 $1,595
State Farm $1,374 $1,374
Travelers $1,002 $1,003
USAA $1,043 $1,049

Cheapest Valparaiso, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Valparaiso, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,225
American Family $5,543
Farmers $4,098
GEICO $3,002
Liberty Mutual $9,547
Nationwide $3,173
Progressive $3,695
State Farm $2,465
Travelers $3,588
USAA $2,173

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Cheapest Valparaiso, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Valparaiso, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,908 $3,908
American Family $3,931 $4,028
Farmers $3,812 $3,812
GEICO $2,102 $2,175
Liberty Mutual $6,364 $6,708
Nationwide $2,984 $2,984
Progressive $4,145 $4,145
State Farm $2,453 $2,599
Travelers $3,021 $3,021
USAA $1,737 $1,784

Cheapest Valparaiso, IN Car Insurance Rates by ZIP Code

Valparaiso car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Valparaiso, IN.

Annual Car Insurance Rates by ZIP Code in Valparaiso, Indiana

ZIP Code Average Annual Rates
46383 $3,389
46385 $3,421

The Best Cheap Car Insurance Companies in Valparaiso, IN

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

Average Annual Car Insurance Rates by Company in Valparaiso, Indiana

Insurance Company Average Annual Rates
Allstate $3,908
American Family $3,980
Farmers $3,812
GEICO $2,139
Liberty Mutual $6,536
Nationwide $2,984
Progressive $4,145
State Farm $2,526
Travelers $3,021
USAA $1,760

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Category Winners: Cheapest Car Insurance in Valparaiso, Indiana

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

Best Annual Car Insurance Rates by Company in Valparaiso, Indiana

Category Insurance Company
Teenagers USAA
Seniors Travelers
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Valparaiso, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Valparaiso, Indiana

Insurance Company Low Medium High
Allstate $3,722 $3,892 $4,111
American Family $3,930 $4,110 $3,898
Farmers $3,664 $3,804 $3,968
GEICO $2,001 $2,132 $2,282
Liberty Mutual $6,297 $6,517 $6,793
Nationwide $2,996 $2,963 $2,992
Progressive $3,894 $4,074 $4,466
State Farm $2,390 $2,526 $2,662
Travelers $2,923 $3,050 $3,089
USAA $1,700 $1,756 $1,825

What affects car insurance rates in Valparaiso, Indiana?

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

Car Theft in Valparaiso

High levels of vehicle theft can make car insurance more expensive. Valparaiso, IN car theft statistics from the FBI indicate 13 vehicle thefts a year.

Commute Time in Valparaiso

The more time you spend in your car the higher the risk of an accident. The average commute length in Valparaiso, IN is 23.0 minutes according to City-Data.

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Compare Car Insurance Quotes in Valparaiso, IN

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

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Average Monthly Car Insurance Rates by State