Compare Warsaw, IN Car Insurance Rates (2021)

Car insurance in Warsaw, IN averages $260 a month. Warsaw, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Warsaw car insurance rates, compare quotes from the top car insurance companies in Warsaw, 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 Warsaw, IN are $3,123/year
  • The cheapest car insurance company in Warsaw for teen drivers is USAA
  • The cheapest car insurance company in Warsaw is USAA

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

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

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

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

How do age, gender, and marital status affect Warsaw, IN car insurance rates? Every Warsaw, 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 Warsaw, 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 $2,230 $2,287 $1,958 $2,145 $6,723 $8,490 $2,264 $2,458
American Family $2,109 $2,109 $1,897 $1,897 $5,778 $8,378 $2,109 $2,606
Farmers $1,633 $1,612 $1,396 $1,567 $8,744 $9,320 $2,150 $2,326
GEICO $1,369 $1,360 $1,284 $1,329 $3,993 $3,708 $1,563 $1,378
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,630 $1,668 $1,428 $1,526 $4,739 $6,162 $1,910 $2,091
Progressive $1,544 $1,460 $1,399 $1,409 $8,982 $10,091 $1,929 $1,965
State Farm $1,315 $1,315 $1,170 $1,170 $3,935 $5,051 $1,454 $1,614
Travelers $1,145 $1,165 $1,074 $1,074 $7,064 $11,160 $1,211 $1,401
USAA $1,014 $1,002 $938 $952 $2,757 $3,098 $1,374 $1,479

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Minimum Car Insurance in Warsaw, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Warsaw, Indiana

Insurance Company Poor Fair Good
Allstate $4,424 $3,290 $2,994
American Family $4,594 $2,986 $2,501
Farmers $4,194 $3,419 $3,167
GEICO $2,401 $1,998 $1,595
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $3,010 $2,544 $2,379
Progressive $3,970 $3,512 $3,310
State Farm $3,100 $1,850 $1,434
Travelers $3,520 $2,984 $2,981
USAA $2,130 $1,401 $1,199

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

Annual Warsaw, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,863 $4,185 $3,845 $3,385
American Family $2,315 $3,701 $4,670 $2,757
Farmers $3,214 $3,750 $3,861 $3,549
GEICO $1,314 $2,066 $2,791 $1,820
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $2,273 $2,932 $2,811 $2,561
Progressive $2,701 $4,719 $3,220 $3,750
State Farm $2,079 $2,276 $2,079 $2,079
Travelers $2,686 $3,319 $3,760 $2,881
USAA $1,195 $1,692 $1,939 $1,480

Cheapest Warsaw, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Warsaw, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,723 $8,490
American Family $5,778 $8,378
Farmers $8,744 $9,320
GEICO $3,993 $3,708
Liberty Mutual $8,383 $12,656
Nationwide $4,739 $6,162
Progressive $8,982 $10,091
State Farm $3,935 $5,051
Travelers $7,064 $11,160
USAA $2,757 $3,098

Cheapest Warsaw, IN Car Insurance for Seniors

Take a look at Warsaw, 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 Warsaw, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,958 $2,145
American Family $1,897 $1,897
Farmers $1,396 $1,567
GEICO $1,284 $1,329
Liberty Mutual $3,522 $3,522
Nationwide $1,428 $1,526
Progressive $1,399 $1,409
State Farm $1,170 $1,170
Travelers $1,074 $1,074
USAA $938 $952

Cheapest Warsaw, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Warsaw, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,845
American Family $4,670
Farmers $3,861
GEICO $2,791
Liberty Mutual $8,085
Nationwide $2,811
Progressive $3,220
State Farm $2,079
Travelers $3,760
USAA $1,939

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Cheapest Warsaw, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Warsaw, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,569 $3,569
American Family $3,320 $3,401
Farmers $3,594 $3,594
GEICO $1,963 $2,033
Liberty Mutual $5,455 $5,752
Nationwide $2,644 $2,644
Progressive $3,597 $3,597
State Farm $2,067 $2,189
Travelers $3,162 $3,162
USAA $1,556 $1,598

Cheapest Warsaw, IN Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Warsaw, Indiana

ZIP Code Average Annual Rates
46580 $3,055
46582 $3,045

The Best Cheap Car Insurance Companies in Warsaw, IN

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

Average Annual Car Insurance Rates by Company in Warsaw, Indiana

Insurance Company Average Annual Rates
Allstate $3,569
American Family $3,361
Farmers $3,594
GEICO $1,998
Liberty Mutual $5,604
Nationwide $2,644
Progressive $3,597
State Farm $2,128
Travelers $3,162
USAA $1,577

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Category Winners: Cheapest Car Insurance in Warsaw, Indiana

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

Best Annual Car Insurance Rates by Company in Warsaw, Indiana

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

Cheapest Warsaw, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Warsaw, Indiana

Insurance Company Low Medium High
Allstate $3,393 $3,556 $3,759
American Family $3,333 $3,473 $3,277
Farmers $3,469 $3,587 $3,725
GEICO $1,869 $1,992 $2,132
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $2,690 $2,623 $2,619
Progressive $3,396 $3,540 $3,856
State Farm $2,026 $2,127 $2,231
Travelers $3,100 $3,191 $3,194
USAA $1,523 $1,573 $1,634

What affects car insurance rates in Warsaw, Indiana?

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

Commute Time in Warsaw

The more time you spend in your car the higher the risk of an accident. The average commute length in Warsaw, IN is 13.9 minutes according to City-Data.

Traffic in Warsaw

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Warsaw, IN traffic data from INRIX ranks Warsaw as the 40th-most congested in the world.

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Compare Car Insurance Quotes in Warsaw, IN

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

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Average Monthly Car Insurance Rates by State