Munster, IN Auto Insurance (2023)
The average Munster, IN auto insurance rates are $320 per month. The minimum auto insurance in Munster is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in Munster, Indiana, compare quotes from multiple companies.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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 partnerships don’t influence our content. Our opinions are our own. To compare 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 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: Nov 27, 2023
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 partnerships don’t influence our content. Our opinions are our own. To compare 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
- The average commute length in Munster is 29.6 minutes
- The most expensive auto insurance company in Munster for teen drivers is Progressive
- Average auto insurance rates in Munster, IN for senior drivers are $1,984 per year
Munster, Indiana auto insurance requirements are 25/50/25 according to Indiana auto insurance laws. Finding cheap auto insurance in Munster 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 Munster, Indiana, including driving record, credit, commute time, and more.
Compare auto insurance in Munster to other Indiana cities, including Evansville auto insurance rates, Hammond auto insurance rates, and Bloomington auto insurance rates to see how Munster, Indiana auto insurance rates stack up.
Before you buy Munster, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Munster, Indiana auto insurance quotes.
Minimum Auto Insurance in Munster, Indiana
Munster, 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 Munster, 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 Munster, Indiana Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Munster, Indiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,719 | $2,781 | $2,392 | $2,617 | $8,533 | $10,778 | $2,751 | $2,992 |
| American Family | $2,674 | $2,674 | $2,409 | $2,409 | $7,485 | $10,799 | $2,674 | $3,274 |
| Farmers | $1,828 | $1,803 | $1,561 | $1,755 | $9,922 | $10,570 | $2,416 | $2,615 |
| Geico | $1,828 | $1,824 | $1,725 | $1,804 | $5,458 | $5,044 | $2,097 | $1,831 |
| Liberty Mutual | $4,475 | $4,475 | $4,114 | $4,114 | $9,779 | $14,757 | $4,475 | $6,129 |
| Nationwide | $1,757 | $1,797 | $1,544 | $1,647 | $5,054 | $6,558 | $2,055 | $2,245 |
| Progressive | $2,004 | $1,889 | $1,819 | $1,832 | $12,007 | $13,476 | $2,517 | $2,551 |
| State Farm | $1,581 | $1,581 | $1,428 | $1,428 | $4,982 | $6,362 | $1,759 | $1,954 |
| Travelers | $1,564 | $1,596 | $1,448 | $1,455 | $9,559 | $15,199 | $1,645 | $1,936 |
| USAA | $1,158 | $1,138 | $1,088 | $1,090 | $3,287 | $3,650 | $1,566 | $1,666 |
Cheap Munster, Indiana Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Munster, Indiana is a challenge. Take a look at the annual teen auto insurance rates in Munster, Indiana.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,533 | $10,778 |
| American Family | $7,485 | $10,799 |
| Farmers | $9,922 | $10,570 |
| Geico | $5,458 | $5,044 |
| Liberty Mutual | $9,779 | $14,757 |
| Nationwide | $5,054 | $6,558 |
| Progressive | $12,007 | $13,476 |
| State Farm | $4,982 | $6,362 |
| Travelers | $9,559 | $15,199 |
| USAA | $3,287 | $3,650 |
Cheap Munster, Indiana Auto Insurance for Seniors
What are senior auto insurance rates in Munster, Indiana? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,392 | $2,617 |
| American Family | $2,409 | $2,409 |
| Farmers | $1,561 | $1,755 |
| Geico | $1,725 | $1,804 |
| Liberty Mutual | $4,114 | $4,114 |
| Nationwide | $1,544 | $1,647 |
| Progressive | $1,819 | $1,832 |
| State Farm | $1,428 | $1,428 |
| Travelers | $1,448 | $1,455 |
| USAA | $1,088 | $1,090 |
Cheap Munster, 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 Munster, Indiana compared to the annual auto insurance rates with a clean record in Munster, Indiana.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,533 | $5,216 | $4,814 | $4,217 |
| American Family | $2,969 | $4,705 | $5,988 | $3,537 |
| Farmers | $3,630 | $4,233 | $4,364 | $4,008 |
| Geico | $1,757 | $2,789 | $3,818 | $2,442 |
| Liberty Mutual | $5,097 | $6,012 | $9,432 | $5,617 |
| Nationwide | $2,440 | $3,136 | $3,008 | $2,744 |
| Progressive | $3,545 | $6,312 | $4,238 | $4,952 |
| State Farm | $2,568 | $2,832 | $2,568 | $2,568 |
| Travelers | $3,651 | $4,512 | $5,117 | $3,921 |
| USAA | $1,378 | $1,972 | $2,259 | $1,712 |
Cheap Munster, Indiana Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Munster, Indiana is not easy. Compare the annual rates for DUI auto insurance in Munster, Indiana to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,814 |
| American Family | $5,988 |
| Farmers | $4,364 |
| Geico | $3,818 |
| Liberty Mutual | $9,432 |
| Nationwide | $3,008 |
| Progressive | $4,238 |
| State Farm | $2,568 |
| Travelers | $5,117 |
| USAA | $2,259 |
Cheap Munster, Indiana Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Munster, Indiana annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,514 | $4,100 | $3,722 |
| American Family | $5,891 | $3,816 | $3,192 |
| Farmers | $4,736 | $3,862 | $3,579 |
| Geico | $3,254 | $2,701 | $2,149 |
| Liberty Mutual | $8,705 | $5,670 | $5,244 |
| Nationwide | $3,229 | $2,724 | $2,543 |
| Progressive | $5,236 | $4,654 | $4,395 |
| State Farm | $3,831 | $2,291 | $1,780 |
| Travelers | $4,792 | $4,056 | $4,053 |
| USAA | $2,451 | $1,634 | $1,405 |
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Cheap Munster, Indiana Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Munster, Indiana can vary. Compare the annual cost of auto insurance by ZIP code in Munster, Indiana to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 46321 | $3,763 |
Cheap Munster, Indiana Auto Insurance Rates By Commute
Commute length and annual mileage affect Munster, Indiana auto insurance. Find the cheapest annual Munster, Indiana auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,445 | $4,445 |
| American Family | $4,248 | $4,352 |
| Farmers | $4,059 | $4,059 |
| Geico | $2,654 | $2,749 |
| Liberty Mutual | $6,366 | $6,713 |
| Nationwide | $2,832 | $2,832 |
| Progressive | $4,762 | $4,762 |
| State Farm | $2,560 | $2,708 |
| Travelers | $4,300 | $4,300 |
| USAA | $1,806 | $1,854 |
Cheap Munster, Indiana Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Munster, Indiana? Check out the comparison of annual Munster, Indiana auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,224 | $4,425 | $4,687 |
| American Family | $4,250 | $4,440 | $4,209 |
| Farmers | $3,912 | $4,051 | $4,214 |
| Geico | $2,510 | $2,695 | $2,899 |
| Liberty Mutual | $6,317 | $6,520 | $6,782 |
| Nationwide | $2,860 | $2,807 | $2,829 |
| Progressive | $4,462 | $4,678 | $5,146 |
| State Farm | $2,491 | $2,634 | $2,778 |
| Travelers | $4,217 | $4,341 | $4,343 |
| USAA | $1,753 | $1,825 | $1,913 |
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Best By Category: Cheapest Auto Insurance in Munster, Indiana
Compare the cheapest auto insurance companies in Munster, Indiana in each category to find the company with the best rates for your personal needs.
| 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 Munster, Indiana Auto Insurance Companies
What auto insurance companies in Munster, Indiana are the cheapest? Compare the top Munster, Indiana auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,445 |
| American Family | $4,300 |
| Farmers | $4,059 |
| Geico | $2,701 |
| Liberty Mutual | $6,540 |
| Nationwide | $2,832 |
| Progressive | $4,762 |
| State Farm | $2,634 |
| Travelers | $4,300 |
| USAA | $1,830 |
What affects auto insurance rates in Munster, Indiana?
There are a lot of reasons why auto insurance rates in Munster, Indiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Munster, Indiana. Many local factors may affect your Munster auto insurance rates.
Munster Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Munster, Indiana auto theft statistics, there have been 11 auto thefts in the city.
Munster Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Munster, Indiana commute length is 29.6 minutes according to City-Data.
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Compare Munster, Indiana Auto Insurance Quotes
Before you buy Munster, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Munster, Indiana auto insurance quotes.
Frequently Asked Questions
Can I get auto insurance coverage while driving for ride-sharing services in Munster, Indiana?
Driving for ride-sharing services in Munster, Indiana may require additional auto insurance coverage beyond personal auto insurance.
How often should I review my auto insurance policy in Munster, Indiana?
Review your auto insurance policy in Munster, Indiana annually or when significant life changes occur to ensure adequate coverage and avail discounts.
What should I do if I want to switch my auto insurance provider in Munster, Indiana?
To switch auto insurance providers in Munster, Indiana, compare quotes, purchase a new policy, avoid coverage gaps, and inform your previous insurer.
How can I save money on auto insurance for teen drivers in Munster, Indiana?
To save money on auto insurance for teen drivers in Munster, Indiana, add them to your existing policy, choose a safe car, and encourage good grades for potential discounts.
Can I get auto insurance with a bad credit history in Munster, Indiana?
It is possible to get auto insurance with bad credit in Munster, Indiana, but your credit history may impact the rates offered.
How does my driving record impact auto insurance rates in Munster, Indiana?
Your driving record affects auto insurance rates in Munster, Indiana. A clean record leads to lower rates, while accidents or violations increase rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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.