Compare Waterloo, IN Car Insurance Rates (2021)

Car insurance in Waterloo, IN averages $263 a month. Waterloo, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Waterloo car insurance rates, compare quotes from the top car insurance companies in Waterloo, 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 Waterloo is USAA
  • The cheapest car insurance company in Waterloo for teen drivers is USAA
  • Average car insurance rates in Waterloo, IN are $3,159/year

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

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

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

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

How do age, gender, and marital status affect Waterloo, IN car insurance rates? Every Waterloo, 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 Waterloo, 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 $2,463 $2,527 $2,156 $2,359 $7,474 $9,403 $2,512 $2,734
American Family $2,195 $2,195 $1,970 $1,970 $5,962 $8,663 $2,195 $2,713
Farmers $1,485 $1,464 $1,270 $1,428 $8,010 $8,531 $1,958 $2,117
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 $1,480 $1,401 $1,341 $1,351 $8,610 $9,679 $1,850 $1,887
State Farm $1,327 $1,327 $1,176 $1,176 $3,926 $5,040 $1,464 $1,628
Travelers $1,182 $1,204 $1,103 $1,105 $7,238 $11,463 $1,249 $1,452
USAA $1,066 $1,052 $991 $1,001 $2,940 $3,290 $1,444 $1,549

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Minimum Car Insurance in Waterloo, IN

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

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

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

Annual Car Insurance Rates by Credit Score in Waterloo, Indiana

Insurance Company Poor Fair Good
Allstate $4,906 $3,645 $3,310
American Family $4,759 $3,096 $2,593
Farmers $3,832 $3,123 $2,894
GEICO $2,567 $2,135 $1,702
Liberty Mutual $7,484 $4,871 $4,505
Nationwide $2,985 $2,523 $2,357
Progressive $3,808 $3,368 $3,174
State Farm $3,107 $1,854 $1,438
Travelers $3,617 $3,067 $3,065
USAA $2,243 $1,484 $1,273

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

Annual Waterloo, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,159 $4,629 $4,270 $3,756
American Family $2,399 $3,832 $4,841 $2,858
Farmers $2,937 $3,423 $3,529 $3,243
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 $2,593 $4,519 $3,090 $3,597
State Farm $2,084 $2,278 $2,084 $2,084
Travelers $2,764 $3,409 $3,861 $2,964
USAA $1,260 $1,792 $2,053 $1,561

Cheapest Waterloo, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waterloo, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,474 $9,403
American Family $5,962 $8,663
Farmers $8,010 $8,531
GEICO $4,269 $3,981
Liberty Mutual $8,444 $12,786
Nationwide $4,687 $6,096
Progressive $8,610 $9,679
State Farm $3,926 $5,040
Travelers $7,238 $11,463
USAA $2,940 $3,290

Cheapest Waterloo, IN Car Insurance for Seniors

Take a look at Waterloo, 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 Waterloo, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,156 $2,359
American Family $1,970 $1,970
Farmers $1,270 $1,428
GEICO $1,360 $1,403
Liberty Mutual $3,505 $3,505
Nationwide $1,420 $1,518
Progressive $1,341 $1,351
State Farm $1,176 $1,176
Travelers $1,103 $1,105
USAA $991 $1,001

Cheapest Waterloo, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waterloo, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,270
American Family $4,841
Farmers $3,529
GEICO $2,974
Liberty Mutual $7,987
Nationwide $2,786
Progressive $3,090
State Farm $2,084
Travelers $3,861
USAA $2,053

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Cheapest Waterloo, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waterloo, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,953 $3,953
American Family $3,441 $3,525
Farmers $3,283 $3,283
GEICO $2,096 $2,173
Liberty Mutual $5,469 $5,771
Nationwide $2,621 $2,621
Progressive $3,450 $3,450
State Farm $2,072 $2,194
Travelers $3,250 $3,250
USAA $1,644 $1,689

The Best Cheap Car Insurance Companies in Waterloo, IN

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

Average Annual Car Insurance Rates by Company in Waterloo, Indiana

Insurance Company Average Annual Rates
Allstate $3,953
American Family $3,483
Farmers $3,283
GEICO $2,135
Liberty Mutual $5,620
Nationwide $2,621
Progressive $3,450
State Farm $2,133
Travelers $3,250
USAA $1,667

Category Winners: Cheapest Car Insurance in Waterloo, Indiana

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

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

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

Annual Car Insurance Rates by Coverage Level in Waterloo, Indiana

Insurance Company Low Medium High
Allstate $3,777 $3,940 $4,144
American Family $3,456 $3,598 $3,394
Farmers $3,162 $3,275 $3,412
GEICO $2,007 $2,129 $2,268
Liberty Mutual $5,445 $5,607 $5,809
Nationwide $2,665 $2,600 $2,599
Progressive $3,263 $3,397 $3,690
State Farm $2,038 $2,132 $2,229
Travelers $3,194 $3,279 $3,276
USAA $1,603 $1,662 $1,735

What affects car insurance rates in Waterloo, Indiana?

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

Commute Time in Waterloo

The more time you spend in your car the higher the risk of an accident. The average commute length in Waterloo, IN is 20.5 minutes according to City-Data.

Compare Car Insurance Quotes in Waterloo, IN

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

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Average Monthly Car Insurance Rates by State