Buy Cheap Gary, IN Auto Insurance (2021)

Gary, IN auto insurance rates average $388 a month. Minimum auto insurance requirements in Gary, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Gary, IN, compare Gary auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Gary, IN after a DUI are $5,577/year
  • The most expensive auto insurance company in Gary after a DUI is Liberty Mutual
  • Average auto insurance rates in Gary, IN for teens drivers are $9,067/year

Finding affordable Gary, Indiana auto insurance can be challenging, but everything you need to know to buy cheap Gary, IN auto insurance with confidence is right here. Auto insurance rates in Gary are affected by local factors as well as personal ones like your driving record.

See how Gary, IN car insurance rates compare to Fort Wayne auto insurance rates, Indianapolis auto insurance rates, and Fishers auto insurance rates before you read more about the cost of auto insurance in Gary.

Don’t buy Gary, IN auto insurance until you’ve compared rates. Get free Gary, Indiana auto insurance quotes when you enter your ZIP code above.

Gary, IN Minimum Auto Insurance Requirements

The required auto insurance in Gary, IN is 25/50/25 according to the auto insurance laws in Indiana. The minimum auto insurance in Gary, Indiana is outlined here.

Minimum Required Auto Insurance Coverage in Gary, 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

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Find Cheap Gary, IN Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Gary, IN. Take a look at Gary, Indiana auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Gary, Indiana

Insurance Company Poor Fair Good
Allstate $5,304 $3,948 $3,590
American Family $6,822 $4,453 $3,740
Farmers $5,767 $4,702 $4,360
GEICO $3,688 $3,059 $2,430
Liberty Mutual $12,801 $8,354 $7,730
Nationwide $4,751 $3,997 $3,728
Progressive $5,222 $4,630 $4,368
State Farm $4,563 $2,746 $2,142
Travelers $5,905 $4,999 $4,999
USAA $3,030 $2,030 $1,750

Buy Cheap Gary, IN Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Gary, Indiana auto insurance rates? Find out how car insurance rates in Gary, IN are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Gary, 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 $2,598 $2,651 $2,295 $2,513 $8,258 $10,476 $2,616 $2,836
American Family $3,161 $3,161 $2,850 $2,850 $8,579 $12,396 $3,161 $3,881
Farmers $2,208 $2,174 $1,891 $2,135 $12,118 $12,960 $2,920 $3,138
GEICO $2,080 $2,074 $1,958 $2,034 $6,157 $5,710 $2,376 $2,085
Liberty Mutual $6,579 $6,579 $6,047 $6,047 $14,412 $21,764 $6,579 $9,022
Nationwide $2,552 $2,618 $2,225 $2,389 $7,455 $9,747 $2,994 $3,290
Progressive $1,993 $1,885 $1,807 $1,816 $11,911 $13,439 $2,510 $2,562
State Farm $1,934 $1,934 $1,738 $1,738 $5,864 $7,485 $2,138 $2,374
Travelers $1,873 $1,910 $1,735 $1,744 $11,847 $19,022 $1,970 $2,305
USAA $1,436 $1,412 $1,347 $1,350 $4,075 $4,525 $1,945 $2,070

Buy Cheap Gary, IN Auto Insurance for Teen Drivers

Auto insurance for teenagers in Gary can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Gary, IN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Gary, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,258 $10,476
American Family $8,579 $12,396
Farmers $12,118 $12,960
GEICO $6,157 $5,710
Liberty Mutual $14,412 $21,764
Nationwide $7,455 $9,747
Progressive $11,911 $13,439
State Farm $5,864 $7,485
Travelers $11,847 $19,022
USAA $4,075 $4,525

Buy Cheap Gary, IN Auto Insurance for Seniors

You can save on senior auto insurance rates in Gary, Indiana by comparing Gary senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Gary, IN here.

Annual Auto Insurance Rates for Senior Drivers in Gary, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,295 $2,513
American Family $2,850 $2,850
Farmers $1,891 $2,135
GEICO $1,958 $2,034
Liberty Mutual $6,047 $6,047
Nationwide $2,225 $2,389
Progressive $1,807 $1,816
State Farm $1,738 $1,738
Travelers $1,735 $1,744
USAA $1,347 $1,350

Find Cheap Auto Insurance Rates in Gary, IN by Coverage Level

The amount of coverage you choose is a big factor in the cost of Gary, Indiana auto insurance. Compare Gary, IN auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Gary, Indiana

Insurance Company Low Medium High
Allstate $4,037 $4,259 $4,545
American Family $4,972 $5,167 $4,877
Farmers $4,734 $4,930 $5,165
GEICO $2,843 $3,052 $3,282
Liberty Mutual $9,343 $9,607 $9,936
Nationwide $4,211 $4,122 $4,143
Progressive $4,440 $4,656 $5,125
State Farm $2,990 $3,151 $3,311
Travelers $5,152 $5,352 $5,398
USAA $2,161 $2,262 $2,387

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Find Cheap Gary, IN Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Gary. Compare auto insurance rates in Gary, IN by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Gary, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,280 $4,280
American Family $4,946 $5,064
Farmers $4,943 $4,943
GEICO $3,003 $3,116
Liberty Mutual $9,373 $9,885
Nationwide $4,159 $4,159
Progressive $4,740 $4,740
State Farm $3,063 $3,238
Travelers $5,301 $5,301
USAA $2,240 $2,300

Find Cheap Gary, IN Auto Insurance Rates by ZIP Code

Auto insurance rates in Gary, Indiana can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Gary, IN to see how much where you live in Gary affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Gary, Indiana

ZIP Code Average Annual Rates
46402 $4,658
46403 $4,474
46404 $4,570
46406 $4,555
46407 $4,484
46408 $4,534
46409 $4,593

Find Cheap Gary, IN Auto Insurance Rates by Driving Record

Auto insurance rates in Gary, Indiana are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Gary, IN, take a look at the average cost for various violations versus rates for a clean driving record in Gary.

Annual Gary, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,400 $5,032 $4,637 $4,053
American Family $3,483 $5,457 $6,946 $4,134
Farmers $4,430 $5,140 $5,315 $4,887
GEICO $2,001 $3,155 $4,291 $2,790
Liberty Mutual $7,571 $8,880 $13,744 $8,319
Nationwide $3,560 $4,623 $4,427 $4,025
Progressive $3,525 $6,271 $4,221 $4,944
State Farm $3,075 $3,376 $3,075 $3,075
Travelers $4,499 $5,560 $6,310 $4,835
USAA $1,708 $2,451 $2,803 $2,117

Find Cheap Gary, IN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Gary, Indiana is higher than for a clean driving record. You can buy auto insurance after a DUI in Gary for less when you shop around and compare rates from multiple Gary, IN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Gary, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,637
American Family $6,946
Farmers $5,315
GEICO $4,291
Liberty Mutual $13,744
Nationwide $4,427
Progressive $4,221
State Farm $3,075
Travelers $6,310
USAA $2,803

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Winners by Category: Where to Buy Cheap Auto Insurance in Gary, IN

Compare rates from the cheapest auto insurance companies in Gary, IN for your needs. Take a look at how Gary, Indiana auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Gary, Indiana

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

Find Cheap Gary, Indiana Auto Insurance Companies

If you’re looking for the cheapest Gary, IN auto insurance companies overall, you can compare them here. Find the best price for Gary, Indiana car insurance by company.

Average Annual Auto Insurance Rates by Company in Gary, Indiana

Insurance Company Average Annual Rates
Allstate $4,280
American Family $5,005
Farmers $4,943
GEICO $3,059
Liberty Mutual $9,629
Nationwide $4,159
Progressive $4,740
State Farm $3,150
Travelers $5,301
USAA $2,270

What affects Gary, Indiana auto insurance rates?

Local factors affect auto insurance rates in Gary, IN, including traffic, theft statistics, and commute length. Take a look at the things that impact Gary auto insurance rates.

Auto Theft in Gary

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Gary, IN auto theft show a total of 456 vehicle thefts annually.

Commute Times in Gary

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Gary, IN is 28.8 minutes according to City-Data.

Traffic in Gary

How is traffic in Gary, Indiana? Inrix data shows that Gary, IN traffic makes it the 948th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Gary, IN

You can buy cheap Gary, IN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Gary, Indiana auto insurance quotes from top companies.

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