Best Cheap Auto Insurance in Hammond, IN (2021)

The average Hammond, IN auto insurance rates are $368 per month. The minimum auto insurance in Hammond is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in Hammond, Indiana, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in Hammond for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Hammond, Indiana is 25/50/25
  • The average commute length in Hammond is 26.3 minutes

Hammond, Indiana auto insurance requirements are 25/50/25 according to Indiana auto insurance laws. Finding cheap auto insurance in Hammond can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hammond, Indiana, including driving record, credit, commute time, and more.

Compare auto insurance in Hammond to other Indiana cities, including Indianapolis auto insurance rates, Gary auto insurance rates, and Bloomington auto insurance rates to see how Hammond, Indiana auto insurance rates stack up.

Before you buy Hammond, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hammond, Indiana auto insurance quotes.

Minimum Auto Insurance in Hammond, Indiana

Hammond, Indiana auto insurance laws require that you have at least the Indiana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hammond, Indiana.

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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Cheap Hammond, Indiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Hammond, Indiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap Hammond, Indiana Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Hammond, Indiana is a challenge. Take a look at the annual teen auto insurance rates in Hammond, Indiana.

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

Cheap Hammond, Indiana Auto Insurance for Seniors

What are senior auto insurance rates in Hammond, Indiana? Take a look at the annual average rates for older drivers.

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

Cheap Hammond, Indiana Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hammond, Indiana compared to the annual auto insurance rates with a clean record in Hammond, Indiana.

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

Cheap Hammond, Indiana Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Hammond, Indiana is not easy. Compare the annual rates for DUI auto insurance in Hammond, Indiana to find the best deal.

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

Cheap Hammond, Indiana Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Hammond, Indiana annual auto insurance rates by credit history compare.

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

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Cheap Hammond, Indiana Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Hammond, Indiana can vary. Compare the annual cost of auto insurance by ZIP code in Hammond, Indiana to see how car insurance rates are affected by location.

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

Cheap Hammond, Indiana Auto Insurance Rates By Commute

Commute length and annual mileage affect Hammond, Indiana auto insurance. Find the cheapest annual Hammond, Indiana auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Hammond, Indiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Hammond, Indiana Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Hammond, Indiana? Check out the comparison of annual Hammond, Indiana 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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Best By Category: Cheapest Auto Insurance in Hammond, Indiana

Compare the cheapest auto insurance companies in Hammond, Indiana in each category to find the company with the best rates for your personal needs.

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

The Cheapest Hammond, Indiana Auto Insurance Companies

What auto insurance companies in Hammond, Indiana are the cheapest? Compare the top Hammond, Indiana auto insurance companies to find the best annual rates.

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 auto insurance rates in Hammond, Indiana?

There are a lot of reasons why auto insurance rates in Hammond, Indiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hammond, Indiana. Many local factors may affect your Hammond auto insurance rates.

Hammond Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Hammond, Indiana auto theft statistics, there have been 291 auto thefts in the city.

Hammond Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hammond, Indiana commute length is 26.3 minutes according to City-Data.

Hammond Traffic

How does Hammond, Indiana rank for traffic? According to Inrix Hammond, Indiana is the 783rd most congested worldwide.

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Compare Hammond, Indiana Auto Insurance Quotes

Before you buy Hammond, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hammond, Indiana auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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