Buy Cheap Hammond, IN Auto Insurance (2022)

Hammond, IN auto insurance rates average $368 a month. Minimum auto insurance requirements in Hammond, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Hammond, IN, compare Hammond 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 Hammond, IN after a DUI are $5,288/year
  • The most expensive auto insurance company in Hammond after a DUI is Liberty Mutual
  • Average auto insurance rates in Hammond, IN are $368/month

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

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

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

Hammond, IN Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Hammond, 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 Hammond, IN Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Hammond, Indiana

Insurance Company Poor Fair Good
Allstate $5,421 $4,035 $3,672
American Family $6,633 $4,321 $3,625
Farmers $4,776 $3,890 $3,603
GEICO $3,172 $2,633 $2,095
Liberty Mutual $12,384 $8,074 $7,470
Nationwide $4,751 $3,997 $3,728
Progressive $5,266 $4,672 $4,407
State Farm $4,505 $2,703 $2,105
Travelers $5,137 $4,349 $4,347
USAA $3,037 $2,036 $1,755

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hammond, 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 $2,634 $2,684 $2,333 $2,557 $8,488 $10,806 $2,645 $2,860
American Family $3,061 $3,061 $2,756 $2,756 $8,344 $12,075 $3,061 $3,763
Farmers $1,862 $1,837 $1,594 $1,788 $9,948 $10,593 $2,447 $2,650
GEICO $1,789 $1,784 $1,677 $1,733 $5,299 $4,933 $2,047 $1,804
Liberty Mutual $6,350 $6,350 $5,833 $5,833 $13,951 $21,087 $6,350 $8,721
Nationwide $2,552 $2,618 $2,225 $2,389 $7,455 $9,747 $2,994 $3,290
Progressive $2,008 $1,897 $1,819 $1,829 $12,030 $13,557 $2,531 $2,584
State Farm $1,888 $1,888 $1,700 $1,700 $5,815 $7,428 $2,093 $2,322
Travelers $1,654 $1,687 $1,532 $1,540 $10,276 $16,417 $1,740 $2,040
USAA $1,439 $1,415 $1,350 $1,354 $4,087 $4,538 $1,949 $2,074

Buy Cheap Hammond, IN Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hammond, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,488 $10,806
American Family $8,344 $12,075
Farmers $9,948 $10,593
GEICO $5,299 $4,933
Liberty Mutual $13,951 $21,087
Nationwide $7,455 $9,747
Progressive $12,030 $13,557
State Farm $5,815 $7,428
Travelers $10,276 $16,417
USAA $4,087 $4,538

Buy Cheap Hammond, IN Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hammond, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,333 $2,557
American Family $2,756 $2,756
Farmers $1,594 $1,788
GEICO $1,677 $1,733
Liberty Mutual $5,833 $5,833
Nationwide $2,225 $2,389
Progressive $1,819 $1,829
State Farm $1,700 $1,700
Travelers $1,532 $1,540
USAA $1,350 $1,354

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

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

Annual Auto Insurance Rates by Coverage Level in Hammond, Indiana

Insurance Company Low Medium High
Allstate $4,102 $4,353 $4,672
American Family $4,825 $5,018 $4,736
Farmers $3,943 $4,082 $4,245
GEICO $2,472 $2,627 $2,801
Liberty Mutual $9,019 $9,287 $9,622
Nationwide $4,211 $4,122 $4,143
Progressive $4,509 $4,705 $5,132
State Farm $2,939 $3,105 $3,269
Travelers $4,503 $4,655 $4,674
USAA $2,166 $2,268 $2,394

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Find Cheap Hammond, IN Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Hammond, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,376 $4,376
American Family $4,802 $4,918
Farmers $4,090 $4,090
GEICO $2,587 $2,680
Liberty Mutual $9,061 $9,558
Nationwide $4,159 $4,159
Progressive $4,782 $4,782
State Farm $3,017 $3,191
Travelers $4,611 $4,611
USAA $2,246 $2,306

Find Cheap Hammond, IN Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hammond, Indiana

ZIP Code Average Annual Rates
46320 $4,392
46323 $4,317
46324 $4,174
46327 $4,370
46394 $4,302

Find Cheap Hammond, IN Auto Insurance Rates by Driving Record

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

Annual Hammond, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,470 $5,153 $4,743 $4,137
American Family $3,373 $5,304 $6,755 $4,008
Farmers $3,661 $4,264 $4,393 $4,041
GEICO $1,725 $2,714 $3,693 $2,401
Liberty Mutual $7,326 $8,589 $13,274 $8,048
Nationwide $3,560 $4,623 $4,427 $4,025
Progressive $3,563 $6,314 $4,266 $4,985
State Farm $3,029 $3,331 $3,029 $3,029
Travelers $3,915 $4,837 $5,486 $4,205
USAA $1,712 $2,458 $2,811 $2,122

Find Cheap Hammond, IN Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hammond, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,743
American Family $6,755
Farmers $4,393
GEICO $3,693
Liberty Mutual $13,274
Nationwide $4,427
Progressive $4,266
State Farm $3,029
Travelers $5,486
USAA $2,811

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

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

Best Annual Auto Insurance Rates by Company in Hammond, 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 Hammond, Indiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Hammond, Indiana

Insurance Company Average Annual Rates
Allstate $4,376
American Family $4,860
Farmers $4,090
GEICO $2,633
Liberty Mutual $9,309
Nationwide $4,159
Progressive $4,782
State Farm $3,104
Travelers $4,611
USAA $2,276

What affects Hammond, Indiana auto insurance rates?

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

Auto Theft in Hammond

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Hammond, IN auto theft show a total of 291 vehicle thefts annually.

Commute Times in Hammond

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Hammond, IN is 26.3 minutes according to City-Data.

Traffic in Hammond

How is traffic in Hammond, Indiana? Inrix data shows that Hammond, IN traffic makes it the 783rd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Hammond, IN

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

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