Best Gary, IN Auto Insurance in 2024 (Find the Top 10 Companies Here)
State Farm, Geico, and Progressive are the best Gary, IN auto insurance providers. They offer outstanding coverage and monthly rates beginning at $34. These companies are known for providing comprehensive coverage and reliable service at a competitive price to Gary, Indiana, drivers.
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Jeff Root
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Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
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UPDATED: Nov 22, 2024
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Full Coverage in Gary IN
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13,128 reviewsState Farm is the best Gary, IN auto insurance with low rates for only $34 per month for a wide range of coverage options and car insurance discounts.
When selecting the best insurer, consider also Geico and Progressive because they offer competitive rates for fast and friendly service. Our guide below will help you find the lowest rate and best coverage in Gary, Indiana.
Our Top 10 Company Picks: Best Gary, IN Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Local Agents | State Farm |
 | #2 | 25% | A++ | Extensive Discounts | Geico |
 | #3 | 10% | A+ | Competitive Rates | Progressive |
 | #4 | 25% | A+ | Comprehensive Coverage | Allstate |
 | #5 | 20% | A | Customizable Policies | Farmers |
 | #6 | 25% | A+ | Coverage Options | Erie |
 | #7 | 20% | A+ | Vanishing Deductible | Nationwide |
 | #8 | 25% | A | Flexible Coverage | American Family |
 | #9 | 25% | A | Multi-Policy Discount | Liberty Mutual |
 | #10 | 5% | A+ | AARP Members | The Hartford |
Get started today and compare the most affordable and reliable coverage for your cheap car insurance in Gary, Indiana. Just enter your ZIP code above to begin comparing quotes.
- State Farm provides attractive pricing for auto insurance in Gary, IN
- Top-rated Gary, IN auto insurance customized to meet the needs of local drivers
- Cost-effective and dependable coverage choices for drivers in Gary, Indiana
#1 – State Farm: Top Overall Pick
Pros
- Affordable Local Rates: Offers some of the lowest monthly premiums in Gary, Indiana, starting at just $34.
- Broad Coverage Options: Provides a variety of coverage levels suited to the needs of Indiana drivers. Our “State Farm Review” will help you gain a deeper understanding.
- Reliable Service for Indiana Residents: Highly rated for quick, reliable service that Gary drivers can count on.
Cons
- Limited Youth Discounts: Fewer savings opportunities for younger drivers, which may impact the affordability for some in Gary.
- Basic Digital Tools: Online and mobile services could be more advanced, which might be inconvenient for drivers seeking a fully digital experience.
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#2 – Geico: Best for Extensive Discounts
Pros
- Discounts for Gary’s Good Drivers: Significant savings for safe drivers, students, and military members living in Gary, Indiana.
- User-Friendly Tech: Convenient mobile app and website, ideal for on-the-go Gary residents managing policies digitally.
- Established in Indiana: Known for fast service, which is essential for Indiana drivers needing quick assistance.
Cons
- Higher Rates for High-Risk Drivers: Drivers with traffic incidents in Gary may see less competitive pricing.
- Customer Service Waits: Some customers in Gary report occasional delays in claims processing. Obtain further insights from “Geico Insurance Review“.
#3 – Progressive: Best for Competitive Rates
Pros
- Competitive Pricing for Gary Drivers: Offers affordable rates across multiple coverage levels, ideal for local drivers looking to save.
- Snapshot Savings Program: Discounts based on safe driving behaviors, which can benefit cautious Gary drivers. Our “Progressive Insurance Review” provides additional information.
- Multi-Policy Bundles: Indiana customers can bundle home, auto, and more, making it a good option for those with multiple insurance needs.
Cons
- Renewal Rate Increases: Drivers in Gary may see premiums rise after their first term, affecting long-term affordability.
- Slower Claims Process: Some Indiana drivers report occasional delays in claims, which can be a downside if quick help is needed.
#4 – Allstate: Best for Comprehensive Coverage
Pros
- Full Coverage Options: Known for comprehensive protection, which is helpful for Indiana drivers seeking extra peace of mind.
- Discount Variety for Gary: Offers discounts for new cars, safe drivers, and more, making it a strong option for cost-conscious drivers in Gary.
- Dependable Claims Service: Highly rated for handling large claims, which can be a plus in case of major accidents. Read more through our Allstate auto insurance review.
Cons
- Higher Premiums in Some Cases: Monthly rates can be a bit higher, so Gary drivers may need to compare to get the best value.
- Regional Service Variability: Customer service experiences can differ, impacting some Gary residents more than others.
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#5 – Farmers: Best for Customizable Policies
Pros
- Customizable Policies for Gary Residents: Policy options can be tailored to suit different drivers’ needs, a plus for Indiana’s diverse driving population.
- Multi-Car & Policy Discounts: Known for significant savings for families and multi-policy households in Gary. For a broader insight, find out about “Farmers Review.”
- Personalized Local Support: Farmers agents often provide personalized help, appreciated by many drivers in Indiana.
Cons
- Higher Base Rates: Farmers’ base rates may be less competitive, especially for single-policy holders in Gary.
- Limited Online Tools: Digital options are not as robust, which could be less convenient for tech-savvy drivers.
#6 – Erie: Best for Coverage Options
Pros
- Flexible Coverage Choices: Gary drivers can choose from a variety of coverage options to best meet their needs.
- Consistent Customer Satisfaction: Known for high satisfaction rates in Indiana, with responsive local agents.
- Affordable Options: Offers budget-friendly rates, ideal for drivers looking for value without sacrificing coverage.
Cons
- Availability Limitations: Erie is not available in all areas, so some Gary residents may not qualify. Read more through our Erie auto insurance review.
- Limited Digital Offerings: Digital access is basic, which may not meet the needs of drivers who prefer online services.
#7 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Deductible reduces with each safe driving year, a strong advantage for cautious Gary drivers.
- Comprehensive Coverage Options: Offers robust choices that appeal to drivers looking for full protection. Read our “Nationwide Review” to find out more.
- Multi-Policy Savings: Known for discounts on bundled policies, which are great for Gary households needing multiple coverages.
Cons
- Average Customer Service: Service can vary, which may lead to mixed experiences for Indiana residents.
- Higher Premiums for New Drivers: Gary’s younger or less experienced drivers may see higher initial costs.
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#8 – American Family: Best for Flexible Coverage
Pros
- Flexible Coverage Levels: Allows Gary drivers to select from a range of customizable policies.
- Good Local Support: Known for personalized service, appreciated by many drivers in the Gary community.
- Affordable Rates with Discounts: Provides discounts for families, safe drivers, and more, helping reduce costs for Indiana residents.
Cons
- Higher Rates for Some Vehicles: Premiums can be higher for luxury cars or new vehicles. Explore further details in our “American Family Auto Insurance Review.”
- Less Available Discounts for Younger Drivers: Fewer savings for young drivers in Gary than some competitors.
#9 – Liberty Mutual: Best for Multi-Policy Discount
Pros
- Multi-Policy Discounts for Gary Residents: Significant discounts when bundling home and auto insurance, a good fit for households.
- Comprehensive Coverage for Indiana Drivers: Offers a wide range of coverage options that appeal to drivers needing extra protection.
- Mobile App with Great Features: Helpful digital tools for policy management, especially convenient for busy Gary residents.
Cons
- Higher Rates for New Customers: New policyholders may see higher premiums compared to existing customers.
- Mixed Service Reviews: Service can vary, which may lead to inconsistencies in the customer experience. Elevate your knowledge with our “Liberty Mutual Auto Insurance Review.”
#10 – The Hartford: Best for AARP Members
Pros
- Special Savings for AARP Members: Discounts tailored for older drivers in Gary who are AARP members. Read more through our The Hartford auto insurance review.
- Reputation for Customer Service: Highly regarded for attentive and responsive service, especially valued by senior drivers in Gary.
- Reliable Coverage Options: Known for thorough coverage options that meet the needs of many Indiana drivers.
Cons
- Limited Discounts for Younger Drivers: Primarily geared toward mature drivers, so fewer options for young drivers in Gary.
- Higher Premiums Without AARP Membership: Rates can be higher if you don’t qualify for AARP discounts.
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Gary, Indiana Cheapest Auto Insurance
Farmers and State Farm are fighting a bidding war for low-cost auto insurance in Gary, Indiana right now. But do those low rates come with a higher standard of customer service? Or a simple and stress-free claims filing process?
Gary, IN Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $66 | $189 |
| $51 | $144 |
| $35 | $90 |
| $56 | $173 |
| $34 | $129 |
| $68 | $176 |
| $47 | $129 |
| $52 | $155 |
| $49 | $142 |
| $65 | $170 |
Choosing the right coverage means not only finding affordable premiums but also ensuring the insurer provides quality support when you need it most. These are important questions to ask before you decide to switch Gary, IN auto insurance companies.
Auto insurance providers consider different factors when calculating Gary, IN auto insurance quotes, including driving experience, where you live, occupation, driving distance to work, and multiple cars and drivers.
Auto Insurance Discounts From the Top Providers in Gary, IN
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy Discount, Safe Driving Bonus, Early Signing Discount, New Car Discount |
| Multi-Policy Discount, Safe Driving Discount, Good Student Discount, Bundling Discounts |
| Safe Driver Discount, Multi-Policy Discount, Pay-in-Full Discount, First Accident Forgiveness |
| Good Student Discount, Multi-Policy Discount, Homeowner Discount, Youthful Driver Discount |
| Good Driver Discount, Military Discount, Multi-Vehicle Discount, Federal Employee Discount |
| Multi-Policy Discount, Vehicle Safety Features Discount, New Customer Discount, Early Signing Discount |
| Multi-Policy Discount, Good Student Discount, Safe Driver Discount, Brand New Car Discount |
| Multi-Policy Discount, Snapshot Program, Continuous Coverage Discount, Homeowner Discount |
| Safe Driver Discount, Multi-Policy Discount, Good Student Discount, Vehicle Safety Features Discount |
| AARP Member Discount, Multi-Policy Discount, Safe Driver Discount, Claims-Free Discount |
In addition, premiums change from company to company. To find out whether you’re still getting the most favorable rate, compare cheap auto insurance near Gary, Indiana online. Enter your ZIP code now to begin.
Auto Insurance Minimum Coverage Requirements in Indiana
Certain vehicles require more coverage than others. If you’re driving around in a used Ford Tempo, for example, it’s probably a waste of money to add anything other than the legal state minimum to your policy.
Gary, IN Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents Per Year | 5,300 |
| Claims Per Year | 4,700 |
| Average Claim Cost | $4,200 |
| Percentage of Uninsured Drivers | 16.7% |
| Vehicle Theft Rate | 2.3% |
| Traffic Density | 1,200 vehicles/mile |
| Weather-Related Incidents | 8% |
But if you’re driving around in a brand new vehicle, consider adding things like comprehensive or collision.
In general, Indiana motorists are paying around $100 per month for their auto policies.Kristine Lee Licensed Insurance Agent
But, by virtue of living in Gary, you can get that even lower.
In fact, some drivers are eligible for rates as low as $43/month. Keep reading if you’d like to find out how. Enter your ZIP code now to begin comparing rates.
Factors Affecting Gary, Indiana Cheap Car Insurance
There are several ways that your car insurance rate can be calculated. But not all of it is out of your control; there are actions you can take in order to impact which discounts you are eligible to get. Listed below are some of these factors in greater detail:
Your ZIP Code
The cheapest car insurance is usually found in cities with a lower population density.
Gary, IN Auto Insurance by ZIP Code
| ZIP Code | Rates |
|---|---|
| 46402 | $145 |
| 46403 | $150 |
| 46404 | $142 |
| 46406 | $148 |
| 46407 | $155 |
| 46408 | $140 |
| 46409 | $144 |
Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Gary is 78,450 and the median household income is $26,286.
Automotive Accidents
If you live in an area with fewer accidents, you will likely get a lower monthly rate without having to lift a finger. The most recent statistical data for accidents in Gary is shown in the chart above. Considering the sizeable population of the city, it looks like you’re eligible for lower premiums.
Auto Thefts in Gary
Living in a large city will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs.
Gary, IN Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B+ | High traffic density, leading to higher risk of accidents. |
| Average Claim Size | B | Claims are relatively average, with some fluctuation in costs. |
| Weather-Related Risk | B | Moderate impact on premiums due to occasional severe weather. |
| Vehicle Theft Rate | C+ | Theft rate is slightly above national average, affecting premiums. |
| Uninsured Drivers Rate | C | Higher rate of uninsured drivers increases premiums in the area. |
The total number of stolen vehicles in Gary was 732 back in 2013. Per capita, theft rates are alarmingly high. Make sure you talk to your insurance agent about adding Comprehensive coverage to your affordable Gary, IN auto insurance policy.
Your Credit Score
Your credit score is a much bigger factor than most drivers realize when it comes to calculating your Gary, IN auto insurance rates.
Gary, IN Auto Insurance by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $120 | $145 | $180 |
 | $115 | $140 | $175 |
| $110 | $135 | $170 |
 | $125 | $150 | $185 |
 | $105 | $130 | $165 |
| $130 | $155 | $190 |
| $120 | $145 | $180 |
 | $110 | $140 | $175 |
 | $100 | $125 | $160 |
| $115 | $140 | $170 |
In the chart, you can see that some Gary, Indiana car insurance companies will double – or even triple – your monthly premium based on a poor credit score.
Your Age
Are you a teenage driver? Getting your own vehicle and hitting the open road is a fun and exciting time until you get your insurance bill, that is.
Gary, IN Auto Insurance Monthly Rates by Provider Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $290 | $320 | $140 | $150 | $110 | $115 | $100 | $105 |
| $280 | $310 | $135 | $145 | $108 | $113 | $98 | $103 |
| $270 | $305 | $130 | $140 | $105 | $110 | $95 | $100 |
| $300 | $330 | $145 | $155 | $115 | $120 | $105 | $110 |
| $260 | $290 | $125 | $135 | $102 | $107 | $92 | $97 |
| $310 | $340 | $150 | $160 | $120 | $125 | $110 | $115 |
| $285 | $315 | $138 | $148 | $110 | $115 | $100 | $105 |
| $275 | $305 | $133 | $143 | $108 | $113 | $98 | $103 |
| $265 | $295 | $128 | $138 | $105 | $110 | $95 | $100 |
| $295 | $325 | $140 | $150 | $112 | $117 | $102 | $107 |
Thankfully, if you get good grades and take specific driving courses, there are discounts available to you. Contact your insurance agent for more information.
Your Driving Record
Have you heard of “Accident Forgiveness”? It’s a relatively new type of discount which more providers are beginning to adopt.
Gary, IN Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $120 | $145 | $165 | $200 |
| $115 | $140 | $160 | $190 |
| $110 | $135 | $155 | $185 |
| $125 | $150 | $170 | $210 |
| $105 | $130 | $150 | $180 |
| $130 | $155 | $175 | $220 |
| $120 | $145 | $165 | $200 |
| $110 | $140 | $160 | $195 |
| $100 | $125 | $145 | $175 |
| $115 | $140 | $160 | $190 |
Essentially, if you have a mild infraction on your driving record, like a minor accident or a speeding ticket, your insurer won’t factor that incident in when calculating your premiums. It’s a great way for a less-than-perfect driver to save money.
Your Vehicle
Luxury vehicles cost more to insure not just because they’re more expensive, but because of all the coverage they require in order to be fully protected. After all, it would be a silly and expensive risk to insure a Porsche or a Ferrari with liability coverage alone.
By understanding these factors and how they influence your car insurance rates, you can make informed decisions to lower your premiums.
Always shop around, ask about discounts, and consider all aspects of your coverage to ensure you’re getting the best deal for your needs in Gary, Indiana. Enter your ZIP code now to begin comparing rates.
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Frequently Asked Questions
What is the starting monthly rate for State Farm auto insurance in Gary, Indiana?
State Farm offers auto insurance in Gary, Indiana, with starting rates as low as $34 per month. This makes it one of the more affordable choices for drivers in the area.
Which provider is known for offering extensive discounts, especially for safe drivers and military members?
Geico is known for its wide range of discounts, particularly for good drivers, students, and military members. These discounts make Geico a popular choice for those seeking to lower their premiums in Gary. Enter your ZIP code now to begin comparing.
How does Progressive’s Snapshot program help drivers save on auto insurance?
Progressive’s snapshot program rewards safe driving by tracking habits and offering discounts based on careful driving.
This program can be especially helpful for Gary drivers looking to save money through responsible driving, with additional benefits for those who value roadside assistance as part of their auto coverage.
What type of discounts does Allstate offer to Gary, Indiana drivers?
Allstate provides unique discounts to Gary, Indiana drivers, which includes safe driving, new cars, and multi-policy bundling.
Why might Farmers’ auto insurance policies be a good fit for families in Gary?
Farmers insurance is well-suited for families in Gary due to its customizable policies and multi-car discount. This allows families to adjust coverage and take advantage of savings with multiple vehicles. Enter your ZIP code now to begin comparing.
Which provider is known for high customer satisfaction and local agents in Indiana?
Erie Insurance has high customer satisfaction and responsive local agents in Indiana. Gary drivers appreciate Erie’s personalized service and competitive rates for comprehensive coverage.
However, factors like reckless driving and auto insurance rates are closely linked, and even with Erie’s competitive pricing, incidents of reckless driving can lead to higher premiums.
Erie’s agents can help guide policyholders on managing these risks to keep insurance costs more affordable.
What benefit does Nationwide’s Vanishing Deductible offer to safe drivers?
Nationwide’s vanishing deductible program reduces a driver’s deductible for each year of safe driving. This benefit is ideal for Gary drivers aiming to lower out-of-pocket costs in case of a claim.
Why might American Family’s coverage options appeal to Indiana drivers?
American Family insurance offers flexible coverage options that appeal to Indiana drivers who want to tailor policies to their specific needs. They also offer discounts for families and safe drivers, helping to keep costs affordable. Enter your ZIP code now to begin comparing.
Which provider offers significant savings on multi-policy bundles, especially useful for Gary residents?
While offering various types of car insurance coverage options, Liberty Mutual also provides savings on multi-policy bundles, perfect for Gary residents.
What specific discount does The Hartford offer that is unique for certain Indiana drivers?
The Hartford offers special discounts for AARP members, specifically benefitting older drivers in Gary. This discount makes The Hartford a valuable choice for senior drivers seeking affordable rates.