Buy Cheap Warsaw, IN Auto Insurance in 2024
Warsaw, IN auto insurance rates average $260 a month. Minimum auto insurance requirements in Warsaw, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Warsaw, IN, compare Warsaw auto insurance quotes from top companies.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Mar 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Warsaw, IN for teens drivers are $6,110/year
- The most expensive auto insurance company in Warsaw is Liberty Mutual
- The most expensive auto insurance company in Warsaw after a DUI is Liberty Mutual
Finding affordable Warsaw, Indiana auto insurance can be challenging, but everything you need to know to buy cheap Warsaw, IN auto insurance with confidence is right here. Auto insurance rates in Warsaw are affected by local factors as well as personal ones like your driving record.
See how Warsaw, IN car insurance rates compare to Fort Wayne auto insurance rates, Hammond auto insurance rates, and Indianapolis auto insurance rates before you read more about the cost of auto insurance in Warsaw.
Don’t buy Warsaw, IN auto insurance until you’ve compared rates. Get free Warsaw, Indiana auto insurance quotes when you enter your ZIP code above.
Warsaw, IN Minimum Auto Insurance Requirements
The required auto insurance in Warsaw, IN is 25/50/25 according to the auto insurance laws in Indiana. The minimum auto insurance in Warsaw, Indiana is outlined here.
Minimum Required Auto 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 |
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Find Cheap Warsaw, IN Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Warsaw, IN. Take a look at Warsaw, Indiana auto insurance rates by credit history.
Annual Auto 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 |
Buy Cheap Warsaw, IN Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Warsaw, Indiana auto insurance rates? Find out how car insurance rates in Warsaw, IN are impacted by demographics.
Annual Auto 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 |
Buy Cheap Warsaw, IN Auto Insurance for Teen Drivers
Auto insurance for teenagers in Warsaw can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Warsaw, IN are listed here.
Annual Auto 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 |
Buy Cheap Warsaw, IN Auto Insurance for Seniors
You can save on senior auto insurance rates in Warsaw, Indiana by comparing Warsaw senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Warsaw, IN here.
Annual Auto 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 |
Find Cheap Auto Insurance Rates in Warsaw, IN by Coverage Level
The amount of coverage you choose is a big factor in the cost of Warsaw, Indiana auto insurance. Compare Warsaw, IN auto insurance rates by coverage level.
Annual Auto 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 |
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Find Cheap Warsaw, IN Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Warsaw. Compare auto insurance rates in Warsaw, IN by commute length to see how your daily commute impacts your rates.
Annual Auto 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 |
Find Cheap Warsaw, IN Auto Insurance Rates by ZIP Code
Auto insurance rates in Warsaw, Indiana can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Warsaw, IN to see how much where you live in Warsaw affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Warsaw, Indiana
| ZIP Code | Average Annual Rates |
|---|---|
| 46580 | $3,055 |
| 46582 | $3,045 |
Find Cheap Warsaw, IN Auto Insurance Rates by Driving Record
Auto insurance rates in Warsaw, Indiana are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Warsaw, IN, take a look at the average cost for various violations versus rates for a clean driving record in Warsaw.
Annual Warsaw, Indiana Auto 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 |
Find Cheap Warsaw, IN Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Warsaw, Indiana is higher than for a clean driving record. You can buy auto insurance after a DUI in Warsaw for less when you shop around and compare rates from multiple Warsaw, IN auto insurance companies.
Annual Auto Insurance Rates After a DUI in Warsaw, Indiana
| Insurance Company | Annual Auto 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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Winners by Category: Where to Buy Cheap Auto Insurance in Warsaw, IN
Compare rates from the cheapest auto insurance companies in Warsaw, IN for your needs. Take a look at how Warsaw, Indiana auto insurance companies stack up for each category.
Best Annual Auto 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 |
Find Cheap Warsaw, Indiana Auto Insurance Companies
If you’re looking for the cheapest Warsaw, IN auto insurance companies overall, you can compare them here. Find the best price for Warsaw, Indiana car insurance by company.
Average Annual Auto 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 |
What affects Warsaw, Indiana auto insurance rates?
Local factors affect auto insurance rates in Warsaw, IN, including traffic, theft statistics, and commute length. Take a look at the things that impact Warsaw auto insurance rates.
Commute Times in Warsaw
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Warsaw, IN is 13.9 minutes according to City-Data.
Traffic in Warsaw
How is traffic in Warsaw, Indiana? Inrix data shows that Warsaw, IN traffic makes it the 40th-most congested city compared to other cities worldwide.
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Compare Auto Insurance Quotes in Warsaw, IN
You can buy cheap Warsaw, IN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Warsaw, Indiana auto insurance quotes from top companies.
Frequently Asked Questions
Is it possible to find affordable auto insurance in Warsaw, IN?
Yes, it is possible to find affordable auto insurance in Warsaw, IN. Insurance rates can vary based on factors such as your driving record, the type of vehicle you drive, your location, and the coverage options you choose. By comparing quotes from different insurance providers and taking advantage of available discounts, you can find cost-effective auto insurance in Warsaw, IN.
What factors can impact the cost of auto insurance in Warsaw, IN?
Several factors can influence the cost of auto insurance in Warsaw, IN, including:
- Driving record: Your driving history, including accidents and traffic violations, can impact your insurance premiums. A clean driving record typically leads to lower rates.
- Location: The area you live in, including factors such as population density, crime rates, and accident statistics in Warsaw, IN, can affect your insurance rates.
- Vehicle type: The make, model, age, and safety features of your vehicle can impact your insurance premiums. Certain vehicles may be more expensive to insure due to higher repair costs or a higher likelihood of theft.
- Coverage options: The type and level of coverage you choose, such as liability, collision, and comprehensive coverage, will affect your insurance costs.
Are there any discounts available to help reduce the cost of auto insurance in Warsaw, IN?
Yes, there are several discounts that may be available to help lower the cost of auto insurance in Warsaw, IN:
- Safe driver discount: Maintaining a clean driving record without accidents or violations can make you eligible for a safe driver discount.
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as home and auto insurance, you may qualify for a multi-policy discount.
- Good student discount: If you or a covered driver on your policy are a student with good grades, you may be eligible for a discount.
- Anti-theft discount: Installing anti-theft devices in your vehicle can often lead to a discount on your insurance premiums.
- Defensive driving discount: Completing a defensive driving course can sometimes qualify you for a discount on your auto insurance.
How can I find cheap auto insurance in Warsaw, IN?
To find cheap auto insurance in Warsaw, IN, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Utilize online comparison tools: Online platforms allow you to easily compare quotes from different insurance companies.
- Evaluate coverage needs: Assess your specific coverage requirements to determine the level of protection you need. Avoid over-insuring or under-insuring your vehicle.
- Increase deductibles: Opting for higher deductibles can lower your premiums, but be sure you can afford the deductible amount in case of a claim.
- Ask about discounts: Inquire with insurance providers about available discounts and see if you qualify for any.
- Consider local insurance providers: Local insurance companies may have competitive rates specific to Warsaw, IN.
Are there any specific considerations for insuring a vehicle in Warsaw, IN?
When insuring a vehicle in Warsaw, IN, it’s important to consider factors such as local driving conditions, weather patterns, and any specific insurance requirements mandated by the state of Indiana. Additionally, ensure that you meet the minimum insurance coverage requirements set by the state. It’s recommended to consult with insurance professionals or obtain personalized quotes to get accurate information regarding your specific situation and coverage needs for insuring your vehicle in Warsaw, IN.
Can I customize my auto insurance coverage in Warsaw, IN?
Yes, you can customize your auto insurance coverage in Warsaw, IN. While the state sets the minimum required coverage, you have the flexibility to add additional coverage options to suit your needs. This may include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and more. By customizing your coverage, you can tailor your policy to provide the level of protection that you require.
Where can I find more information about auto insurance in Warsaw, IN?
For more information about auto insurance in Warsaw, IN, you can visit the website of the Indiana Department of Insurance. They provide valuable resources, insurance guides, and consumer information related to auto insurance in the state. Additionally, you can reach out to local insurance agents or companies in Warsaw, IN, who can assist you in understanding the specific insurance requirements and options available to you.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.