Cheap Quotes for Spencer, IN Car Insurance (2024)
Spencer, Indiana car insurance rates average $279 a month and Indiana law requires coverage of at least 25/50/25. By comparing rates from multiple Spencer, IN companies, you can find cheap Spencer car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different 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 car insurance rates in Spencer, IN after a DUI are $3,958/year
- Average car insurance rates in Spencer, IN for senior drivers are $1,747/year
- The cheapest car insurance company in Spencer is USAA
How do the Spencer, Indiana monthly average car insurance rates of $279/month compare to nearby cities like Fishers car insurance rates, Bloomington car insurance rates, and Fort Wayne car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Spencer, IN.
We’ll cover the Indiana minimum coverage requirements, Indiana car insurance laws, and Spencer, IN statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Spencer, Indiana companies to find the most affordable Spencer car insurance rates.
Enter your ZIP code above to find cheap Spencer, IN car insurance quotes today.
What are the minimum Spencer, IN car insurance requirements?
To meet Indiana minimum car insurance coverage requirements, Spencer, IN drivers need to carry at least 25/50/25 coverage.
| 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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How do age, gender, and marital status affect Spencer, IN car insurance rates?
Three of the criteria that most affect car insurance rates in Spencer, Indiana are age, gender, and marital status. Let’s take a look at how each of these stack up with top Spencer car insurance companies.
| 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 | $2,424 | $2,480 | $2,133 | $2,334 | $7,550 | $9,540 | $2,454 | $2,665 |
| American Family | $2,177 | $2,177 | $1,958 | $1,958 | $6,007 | $8,693 | $2,177 | $2,675 |
| Farmers | $1,508 | $1,489 | $1,292 | $1,450 | $8,009 | $8,545 | $1,979 | $2,137 |
| Geico | $1,673 | $1,657 | $1,547 | $1,591 | $4,871 | $4,549 | $1,912 | $1,701 |
| Liberty Mutual | $4,048 | $4,048 | $3,718 | $3,718 | $8,901 | $13,457 | $4,048 | $5,562 |
| Nationwide | $1,518 | $1,554 | $1,332 | $1,424 | $4,354 | $5,659 | $1,774 | $1,940 |
| Progressive | $1,786 | $1,692 | $1,614 | $1,625 | $10,506 | $11,843 | $2,246 | $2,300 |
| State Farm | $1,747 | $1,747 | $1,546 | $1,546 | $5,185 | $6,651 | $1,926 | $2,149 |
| Travelers | $1,228 | $1,251 | $1,146 | $1,147 | $7,494 | $11,850 | $1,296 | $1,509 |
| USAA | $1,003 | $990 | $927 | $939 | $2,749 | $3,089 | $1,357 | $1,460 |
How much do teen drivers pay for car insurance in Spencer, IN?
Spencer, Indiana car insurance rates for teens are often higher than rates for other drivers. Compare Spencer car insurance rates from multiple Spencer, Indiana car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,550 | $9,540 |
| American Family | $6,007 | $8,693 |
| Farmers | $8,009 | $8,545 |
| Geico | $4,871 | $4,549 |
| Liberty Mutual | $8,901 | $13,457 |
| Nationwide | $4,354 | $5,659 |
| Progressive | $10,506 | $11,843 |
| State Farm | $5,185 | $6,651 |
| Travelers | $7,494 | $11,850 |
| USAA | $2,749 | $3,089 |
How much do senior drivers pay for car insurance in Spencer, IN?
With a little research, seniors can find affordable car insurance in Spencer, Indiana. Here’s a look at how the top Spencer car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,133 | $2,334 |
| American Family | $1,958 | $1,958 |
| Farmers | $1,292 | $1,450 |
| Geico | $1,547 | $1,591 |
| Liberty Mutual | $3,718 | $3,718 |
| Nationwide | $1,332 | $1,424 |
| Progressive | $1,614 | $1,625 |
| State Farm | $1,546 | $1,546 |
| Travelers | $1,146 | $1,147 |
| USAA | $927 | $939 |
How does coverage level affect Spencer, IN car insurance rates?
How much coverage do you need? Are you comfortable with the Indiana minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Spencer, IN car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,749 | $3,932 | $4,161 |
| American Family | $3,439 | $3,593 | $3,402 |
| Farmers | $3,184 | $3,294 | $3,425 |
| Geico | $2,295 | $2,432 | $2,587 |
| Liberty Mutual | $5,768 | $5,924 | $6,121 |
| Nationwide | $2,485 | $2,424 | $2,424 |
| Progressive | $3,981 | $4,139 | $4,483 |
| State Farm | $2,696 | $2,811 | $2,929 |
| Travelers | $3,304 | $3,397 | $3,395 |
| USAA | $1,517 | $1,561 | $1,615 |
How does your driving record affect Spencer, IN car insurance rates?
Safe driving pays off. The more traffic violations you have in Spencer, IN, the higher your car insurance rates will be. Compare rates based on driving infractions from top Spencer, Indiana companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,144 | $4,632 | $4,270 | $3,743 |
| American Family | $2,396 | $3,826 | $4,835 | $2,854 |
| Farmers | $2,954 | $3,444 | $3,545 | $3,261 |
| Geico | $1,607 | $2,518 | $3,385 | $2,240 |
| Liberty Mutual | $4,653 | $5,470 | $8,508 | $5,119 |
| Nationwide | $2,104 | $2,708 | $2,597 | $2,368 |
| Progressive | $3,145 | $5,515 | $3,760 | $4,386 |
| State Farm | $2,748 | $3,004 | $2,748 | $2,748 |
| Travelers | $2,859 | $3,532 | $4,002 | $3,067 |
| USAA | $1,185 | $1,678 | $1,928 | $1,467 |
How does a DUI affect Spencer, IN car insurance rates?
With even one DUI on your record, you can see an increase in your Spencer, IN car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,270 |
| American Family | $4,835 |
| Farmers | $3,545 |
| Geico | $3,385 |
| Liberty Mutual | $8,508 |
| Nationwide | $2,597 |
| Progressive | $3,760 |
| State Farm | $2,748 |
| Travelers | $4,002 |
| USAA | $1,928 |
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How does your credit history affect Spencer, IN car insurance rates?
Take a look at the data here to see how your Spencer, Indiana car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,889 | $3,643 | $3,310 |
| American Family | $4,759 | $3,089 | $2,586 |
| Farmers | $3,854 | $3,140 | $2,908 |
| Geico | $2,934 | $2,438 | $1,941 |
| Liberty Mutual | $7,907 | $5,146 | $4,759 |
| Nationwide | $2,781 | $2,352 | $2,200 |
| Progressive | $4,637 | $4,102 | $3,866 |
| State Farm | $4,099 | $2,443 | $1,893 |
| Travelers | $3,749 | $3,175 | $3,172 |
| USAA | $2,117 | $1,389 | $1,187 |
How does your commute affect Spencer, IN car insurance rates?
Spencer, IN car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Indiana can be seen here. Remember, though, that you may have to carry substantially more car insurance in Spencer if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,947 | $3,947 |
| American Family | $3,436 | $3,520 |
| Farmers | $3,301 | $3,301 |
| Geico | $2,392 | $2,483 |
| Liberty Mutual | $5,779 | $6,096 |
| Nationwide | $2,444 | $2,444 |
| Progressive | $4,201 | $4,201 |
| State Farm | $2,733 | $2,892 |
| Travelers | $3,365 | $3,365 |
| USAA | $1,543 | $1,585 |
Who has the cheapest Spencer, IN car insurance rates?
Here’s a breakdown of Spencer, Indiana car insurance rates by company. You can see which company offers the cheapest Spencer car insurance rates in each category.
| 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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What are the top Spencer, IN car insurance companies?
Which Spencer, Indiana car insurance company will best fit your needs and budget? Check out this comparison of the top Spencer companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,947 |
| American Family | $3,478 |
| Farmers | $3,301 |
| Geico | $2,438 |
| Liberty Mutual | $5,937 |
| Nationwide | $2,444 |
| Progressive | $4,201 |
| State Farm | $2,812 |
| Travelers | $3,365 |
| USAA | $1,564 |
What factors affect Spencer, IN car insurance rates?
Why are Spencer, Indiana car insurance rates different than rates in Fishers or Bloomington? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
How long is the average commute in Spencer, IN?
More time spent behind the wheel can lead to higher Spencer, Indiana car insurance rates. In Spencer, IN, the average commute length is 18.8 minutes.
Car Insurance Quotes for Spencer, IN
Shop for affordable Spencer, Indiana car insurance rates today. Enter your ZIP code to compare quotes from multiple Spencer, IN car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.