Finding decent, low-priced auto insurance is confusing at best, and deciding which company offers the best insurance rates in Gary will involve even more shopping around. Every car insurance company uses a different method for determining prices, so let's begin by taking a look at the most competitive insurance companies in Indiana.

Indiana car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $596
2 USAA $661
3 Cincinnati Insurance $678
4 Erie $733
5 Western Reserve $838
6 Indiana Farmers Mutual $849
7 The Hartford $863
8 Auto-Owners $915
9 Nationwide $930
10 State Farm $957
11 Utica National $965
12 Motorists Mutual $966
13 Hastings Mutual $983
14 Safeco $1,003
15 Farmers $1,033
16 GEICO $1,089
17 Westfield $1,094
18 Wolverine Mutual $1,105
19 State Auto $1,120
20 Progressive $1,128
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Travelers normally has some of the most affordable car insurance rates in Gary at around $596 per year. USAA, Cincinnati Insurance, Erie, and Western Reserve also are some of the most economical Gary, IN insurance companies.

As shown above, if you are insured with Western Reserve and switched to USAA, you could see an annual savings of about $177. Policyholders with Indiana Farmers Mutual could save as much as $188 a year, and The Hartford insureds might see rate reductions of $202 a year.

These rates are averaged for all insureds and vehicles and and are not calculated with a specific vehicle garaging location in Gary. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That illustrates why you need to get car insurance quotes using your own specific driver and vehicle information.

For drivers in Gary, one of the big considerations that determine insurance cost is the neighborhood you call home. Areas with increased crime or more people tend to pay more, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.

The following table shows the most costly cities in Indiana to purchase a policy in. Gary makes the list at #1 with an annual premium of $1,347 on average, which is approximately $112 monthly.

How much is car insurance in Gary?
Rank City Annual Premium
1 Gary $1,347
2 Hammond $1,288
3 Merrillville $1,128
4 Portage $1,126
5 Evansville $1,087
6 Lawrence $1,055
7 Indianapolis $1,050
8 Terre Haute $1,045
9 Anderson $1,041
10 New Albany $1,039
11 Jeffersonville $1,038
12 Kokomo $1,031
13 South Bend $985
14 Columbus $984
15 Fishers $983
16 Fort Wayne $976
17 Mishawaka $974
18 Elkhart $965
19 Richmond $964
20 Bloomington $958
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Annual rates are approximated as the vehicle garaging location can alter premiums noticeably.

Why are you paying too much for car insurance?

Indiana insurance rates are determined by lots of factors which can substantially decrease or increase the cost of your policy. Simply turning a year older, becoming a homeowner, or having an accident may prompt premium changes resulting in some rates now being cheaper than before. Not only may your risk profile change, but car insurance companies file new Indiana car insurance rates at least once a year in order to maintain liquidity for claims. Heavy losses can cause additional premium costs, while lower claim expenses can result in more affordable Gary car insurance rates.

To illustrate this point, the data below shows rates for the cheapest car insurance in Gary, IN for a 40-year-old female driver with a clear driving record, no claims, and solid credit. Based on her current risk factors, Travelers quotes the best car insurance rates in Gary at $920 each year. This is $320 less than the average rate paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve are the rest of the cheapest Gary, IN auto insurance companies.

Now we will give the driver from the above example a claim surcharge, poor credit, and a couple of points charged on her driving record. Since each insurance company has a proprietary formula to determining premium rates, getting updated rate quotes may now result in a new list of the cheapest companies as shown below.

Auto-Owners now has the best insurance rate in Gary with The Hartford, USAA, Nationwide, and Utica National also having competitive pricing. This example illustrates why it is important to shop around when trying to find the most budget-friendly car insurance quotes in Gary.

Insurance prices are impacted by many different factors and change substantially, so the cheapest rate the last time you shopped around may now cost much more than other companies.

The type of vehicle you are trying to insure is one of the biggest factors when looking for cheap auto insurance in Gary. Vehicles with high performance features, poor safety ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than safer models.

The data below showcases insurance premiums for a selection of the most budget-friendly automobiles to insure.

Cheapest Vehicles to Insure in Gary, IN
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,837
Honda CR-V EX 2WD $2,017
Ford Explorer XLT AWD $2,060
Ford Edge Limited 2WD $2,133
Jeep Wrangler Sport 4WD 2-Dr $2,173
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $2,216
Toyota Prius $2,243
Honda Civic LX 4-Dr Sedan $2,252
Ford F-150 STX Super Cab 2WD $2,286
Hyundai Elantra GLS 4-Dr Sedan $2,295
Toyota Corolla XLE $2,301
Chevrolet Equinox LTZ AWD $2,335
Ford Fusion Sport 4-Dr Sedan $2,342
Jeep Grand Cherokee Laredo 2WD $2,384
Dodge Grand Caravan Hero $2,390
Toyota RAV4 Sport 4WD $2,454
Honda Accord EX-L 2-Dr Coupe $2,491
Chevrolet Silverado LTZ Crew Cab 2WD $2,500
Kia Optima EX $2,491
Toyota Camry Hybrid $2,498
Chevrolet Impala LTZ $2,512
Volkswagen Jetta 2.0T 4-Dr Sedan $2,561
Honda Odyssey EX-L W/Navigation $2,567
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in garaging location in Gary, IN which can modify auto insurance rates significantly.

Looking at the data, you can expect vehicles like the Ford Escape, Honda CR-V, Ford Explorer, and Ford Edge are most likely to be a few of the cheapest vehicles to insure for drivers in Gary.

Types of discounts on Gary insurance rates

Auto insurance companies that offer cheap quotes in Gary may also provide premium discounts that could potentially reduce rates by 40% or more if you qualify. Larger insurance companies and some of the discounts include:

The illustration below compares insurance prices with and without discounts being applied to the rates. The premiums assume a female driver, no claims or driving citations, Indiana state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with defensive driving course, anti-theft, marriage, safe-driver, passive restraint, and accident-free discounts applied. When discounts are factored in, theamount saved on insurance in Gary is 28% or $348.

How to find more affordable car insurance in Gary

The list below summarizes a few thrifty suggestions that can help Indiana drivers find lower-cost coverage.

The last tip in the list is notably important, as was noted in this piece. Car insurance rates adjust often, so don't be unwilling to buy a policy from a new company if you can save money.

Many drivers have brand loyalty and that's fine, but it's not a great idea if that dedication is costing thousands of dollars over several years. In less than five minutes you could compare rates to find cheaper car insurance in Gary.