Best Cheap Auto Insurance in Valparaiso, IN (2021)

The average Valparaiso, IN auto insurance rates are $290 per month. The minimum auto insurance in Valparaiso is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in Valparaiso, 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: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Valparaiso, Indiana is 25/50/25
  • Average auto insurance rates in Valparaiso, IN for senior drivers are $1,819 per year
  • The average commute length in Valparaiso is 23.0 minutes

Valparaiso, Indiana auto insurance requirements are 25/50/25 according to Indiana auto insurance laws. Finding cheap auto insurance in Valparaiso 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 Valparaiso, Indiana, including driving record, credit, commute time, and more.

Compare auto insurance in Valparaiso to other Indiana cities, including Hammond auto insurance rates, Carmel auto insurance rates, and Fort Wayne auto insurance rates to see how Valparaiso, Indiana auto insurance rates stack up.

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

Minimum Auto Insurance in Valparaiso, Indiana

Valparaiso, 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 Valparaiso, Indiana.

Minimum Required Auto Insurance Coverage in Valparaiso, 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 Valparaiso, Indiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Valparaiso, 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 Valparaiso, 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 $2,415 $2,473 $2,123 $2,321 $7,439 $9,380 $2,450 $2,664
American Family $2,468 $2,468 $2,224 $2,224 $6,945 $10,016 $2,468 $3,022
Farmers $1,709 $1,684 $1,461 $1,644 $9,335 $9,965 $2,260 $2,440
GEICO $1,464 $1,453 $1,377 $1,428 $4,281 $3,966 $1,672 $1,467
Liberty Mutual $4,489 $4,489 $4,132 $4,132 $9,746 $14,679 $4,489 $6,129
Nationwide $1,819 $1,856 $1,594 $1,700 $5,401 $7,009 $2,145 $2,347
Progressive $1,745 $1,644 $1,586 $1,595 $10,444 $11,733 $2,188 $2,222
State Farm $1,531 $1,531 $1,374 $1,374 $4,738 $6,074 $1,701 $1,884
Travelers $1,066 $1,085 $1,002 $1,003 $6,762 $10,834 $1,126 $1,289
USAA $1,119 $1,101 $1,043 $1,049 $3,139 $3,504 $1,512 $1,616

Cheap Valparaiso, Indiana Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Valparaiso, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,439 $9,380
American Family $6,945 $10,016
Farmers $9,335 $9,965
GEICO $4,281 $3,966
Liberty Mutual $9,746 $14,679
Nationwide $5,401 $7,009
Progressive $10,444 $11,733
State Farm $4,738 $6,074
Travelers $6,762 $10,834
USAA $3,139 $3,504

Cheap Valparaiso, Indiana Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Valparaiso, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,123 $2,321
American Family $2,224 $2,224
Farmers $1,461 $1,644
GEICO $1,377 $1,428
Liberty Mutual $4,132 $4,132
Nationwide $1,594 $1,700
Progressive $1,586 $1,595
State Farm $1,374 $1,374
Travelers $1,002 $1,003
USAA $1,043 $1,049

Cheap Valparaiso, 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 Valparaiso, Indiana compared to the annual auto insurance rates with a clean record in Valparaiso, Indiana.

Annual Valparaiso, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,118 $4,580 $4,225 $3,710
American Family $2,743 $4,363 $5,543 $3,269
Farmers $3,414 $3,969 $4,098 $3,767
GEICO $1,400 $2,210 $3,002 $1,941
Liberty Mutual $5,037 $5,985 $9,547 $5,574
Nationwide $2,564 $3,309 $3,173 $2,889
Progressive $3,093 $5,478 $3,695 $4,313
State Farm $2,465 $2,710 $2,465 $2,465
Travelers $2,570 $3,167 $3,588 $2,758
USAA $1,328 $1,892 $2,173 $1,648

Cheap Valparaiso, Indiana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Valparaiso, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,225
American Family $5,543
Farmers $4,098
GEICO $3,002
Liberty Mutual $9,547
Nationwide $3,173
Progressive $3,695
State Farm $2,465
Travelers $3,588
USAA $2,173

Cheap Valparaiso, Indiana Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Valparaiso, Indiana

Insurance Company Poor Fair Good
Allstate $4,844 $3,605 $3,276
American Family $5,456 $3,530 $2,953
Farmers $4,446 $3,627 $3,363
GEICO $2,572 $2,139 $1,705
Liberty Mutual $8,704 $5,664 $5,238
Nationwide $3,397 $2,866 $2,689
Progressive $4,560 $4,050 $3,824
State Farm $3,682 $2,195 $1,701
Travelers $3,359 $2,851 $2,852
USAA $2,372 $1,567 $1,342

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Cheap Valparaiso, Indiana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Valparaiso, Indiana

ZIP Code Average Annual Rates
46383 $3,389
46385 $3,421

Cheap Valparaiso, Indiana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Valparaiso, Indiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,908 $3,908
American Family $3,931 $4,028
Farmers $3,812 $3,812
GEICO $2,102 $2,175
Liberty Mutual $6,364 $6,708
Nationwide $2,984 $2,984
Progressive $4,145 $4,145
State Farm $2,453 $2,599
Travelers $3,021 $3,021
USAA $1,737 $1,784

Cheap Valparaiso, Indiana Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Valparaiso, Indiana? Check out the comparison of annual Valparaiso, Indiana auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Valparaiso, Indiana

Insurance Company Low Medium High
Allstate $3,722 $3,892 $4,111
American Family $3,930 $4,110 $3,898
Farmers $3,664 $3,804 $3,968
GEICO $2,001 $2,132 $2,282
Liberty Mutual $6,297 $6,517 $6,793
Nationwide $2,996 $2,963 $2,992
Progressive $3,894 $4,074 $4,466
State Farm $2,390 $2,526 $2,662
Travelers $2,923 $3,050 $3,089
USAA $1,700 $1,756 $1,825

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Best By Category: Cheapest Auto Insurance in Valparaiso, Indiana

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

Best Annual Auto Insurance Rates by Company in Valparaiso, Indiana

Category Insurance Company
Teenagers USAA
Seniors Travelers
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Valparaiso, Indiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Valparaiso, Indiana

Insurance Company Average Annual Rates
Allstate $3,908
American Family $3,980
Farmers $3,812
GEICO $2,139
Liberty Mutual $6,536
Nationwide $2,984
Progressive $4,145
State Farm $2,526
Travelers $3,021
USAA $1,760

What affects auto insurance rates in Valparaiso, Indiana?

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

Valparaiso Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Valparaiso, Indiana auto theft statistics, there have been 13 auto thefts in the city.

Valparaiso Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Valparaiso, Indiana commute length is 23.0 minutes according to City-Data.

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Compare Valparaiso, Indiana Auto Insurance Quotes

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