Buy Cheap Universal, IN Auto Insurance (2021)

Universal, IN auto insurance rates average $270 a month. Minimum auto insurance requirements in Universal, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Universal, IN, compare Universal 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 ...

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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

  • The most expensive auto insurance company in Universal is Liberty Mutual
  • Average auto insurance rates in Universal, IN for teens drivers are $6,300/year
  • Average auto insurance rates in Universal, IN are $270/month

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

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

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

Universal, IN Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Universal, Indiana

Insurance Company Poor Fair Good
Allstate $5,026 $3,722 $3,384
American Family $5,078 $3,306 $2,769
Farmers $3,811 $3,101 $2,872
GEICO $2,218 $1,846 $1,475
Liberty Mutual $7,780 $5,064 $4,683
Nationwide $2,876 $2,432 $2,274
Progressive $4,233 $3,736 $3,518
State Farm $3,638 $2,169 $1,681
Travelers $3,696 $3,132 $3,129
USAA $2,087 $1,371 $1,173

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Universal, 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 $2,528 $2,597 $2,212 $2,425 $7,608 $9,600 $2,579 $2,802
American Family $2,349 $2,349 $2,107 $2,107 $6,331 $9,225 $2,349 $2,920
Farmers $1,493 $1,474 $1,279 $1,435 $7,912 $8,418 $1,959 $2,120
GEICO $1,272 $1,259 $1,188 $1,223 $3,676 $3,421 $1,450 $1,283
Liberty Mutual $3,986 $3,986 $3,662 $3,662 $8,754 $13,230 $3,986 $5,473
Nationwide $1,569 $1,608 $1,376 $1,472 $4,497 $5,856 $1,833 $2,008
Progressive $1,655 $1,566 $1,496 $1,509 $9,523 $10,714 $2,065 $2,103
State Farm $1,556 $1,556 $1,377 $1,377 $4,587 $5,893 $1,716 $1,908
Travelers $1,206 $1,227 $1,128 $1,128 $7,405 $11,707 $1,274 $1,479
USAA $991 $978 $915 $927 $2,711 $3,046 $1,341 $1,442

Buy Cheap Universal, IN Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Universal, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,608 $9,600
American Family $6,331 $9,225
Farmers $7,912 $8,418
GEICO $3,676 $3,421
Liberty Mutual $8,754 $13,230
Nationwide $4,497 $5,856
Progressive $9,523 $10,714
State Farm $4,587 $5,893
Travelers $7,405 $11,707
USAA $2,711 $3,046

Buy Cheap Universal, IN Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Universal, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,212 $2,425
American Family $2,107 $2,107
Farmers $1,279 $1,435
GEICO $1,188 $1,223
Liberty Mutual $3,662 $3,662
Nationwide $1,376 $1,472
Progressive $1,496 $1,509
State Farm $1,377 $1,377
Travelers $1,128 $1,128
USAA $915 $927

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

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

Annual Auto Insurance Rates by Coverage Level in Universal, Indiana

Insurance Company Low Medium High
Allstate $3,847 $4,028 $4,256
American Family $3,702 $3,842 $3,608
Farmers $3,148 $3,253 $3,382
GEICO $1,739 $1,840 $1,960
Liberty Mutual $5,656 $5,828 $6,043
Nationwide $2,571 $2,506 $2,505
Progressive $3,594 $3,762 $4,131
State Farm $2,386 $2,495 $2,607
Travelers $3,258 $3,350 $3,350
USAA $1,494 $1,540 $1,597

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Find Cheap Universal, IN Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Universal, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,044 $4,044
American Family $3,673 $3,762
Farmers $3,261 $3,261
GEICO $1,815 $1,878
Liberty Mutual $5,687 $5,998
Nationwide $2,527 $2,527
Progressive $3,829 $3,829
State Farm $2,425 $2,568
Travelers $3,319 $3,319
USAA $1,523 $1,564

Find Cheap Universal, IN Auto Insurance Rates by Driving Record

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

Annual Universal, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,241 $4,742 $4,357 $3,835
American Family $2,562 $4,085 $5,171 $3,052
Farmers $2,915 $3,405 $3,504 $3,221
GEICO $1,217 $1,915 $2,570 $1,684
Liberty Mutual $4,572 $5,380 $8,386 $5,033
Nationwide $2,173 $2,802 $2,687 $2,448
Progressive $2,867 $5,026 $3,424 $3,999
State Farm $2,440 $2,666 $2,440 $2,440
Travelers $2,820 $3,484 $3,947 $3,025
USAA $1,169 $1,657 $1,902 $1,447

Find Cheap Universal, IN Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Universal, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,357
American Family $5,171
Farmers $3,504
GEICO $2,570
Liberty Mutual $8,386
Nationwide $2,687
Progressive $3,424
State Farm $2,440
Travelers $3,947
USAA $1,902

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

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

Best Annual Auto Insurance Rates by Company in Universal, 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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Find Cheap Universal, Indiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Universal, Indiana

Insurance Company Average Annual Rates
Allstate $4,044
American Family $3,717
Farmers $3,261
GEICO $1,847
Liberty Mutual $5,842
Nationwide $2,527
Progressive $3,829
State Farm $2,496
Travelers $3,319
USAA $1,544

What affects Universal, Indiana auto insurance rates?

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

Commute Times in Universal

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Universal, IN is 24.3 minutes according to City-Data.

Compare Auto Insurance Quotes in Universal, IN

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

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