Gary Auto Insurance Rates, Quotes, Agents & Reviews in IN

Gary, IN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Gary, IN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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How to Save on Car Insurance in Gary, IN?

The average cost of auto insurance in Gary, IN, is $1,130. This is lower than the average cost of auto insurance in places such as Calumet, East Chicago, New Chicago, and Hobart. Residents of Gary should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Gary.

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Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.

Deductibles:

Paying a higher deductible will also help car owners lower the cost of insurance. For instance, Gary’s yearly premium on a low deductible($500) is $1,441. It decreases to $1,217 when the deductible is higher ($1,000).

Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Gary, IN. In contrast, an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance can rise up if the credit score if the driver is poor.

Anti-Theft Device:

Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower auto insurance costs. A passive disabling device fetches the most amount of savings. 

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Gary, IN, post-DUI, increases to $1,748. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Gary. Other violations that can have a long-term impact on auto insurance in Gary include driving with an expired license and running a red light.

Multi-Car Insurance:

In Gary, IN, Car owners can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.

The cost of insuring two cars under a multi-car insurance policy, in Gary, IN, is $1,921, while it would cost $3,842 for four vehicles. The savings on multi-car insurance in Gary also depends on the make and model of the car. 

Factors that can influence the cost of car insurance in Gary, IN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Gary, IN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Gary, IN with that of other cities in and around Gary.

Gary Calumet East Chicago New Chicago North Hobart
Average Insurance Rates $1,130 $1,471 $1,250 $1,472 $1,173 $1,172

Gary, IN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Gary, IN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Gary $1,441 $1,217
Calumet $1,423 $1,202
New Chicago $2,710 $2,289
Lake Station $2,412 $2,038
Hobart $2,167 $1,830
Griffith $1,820 $1,537
North $2,200 $1,858
East Chicago $1,924 $1,625

Gary, IN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Gary, IN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,667
20 Years $1,452
30 Years $1,118
40 Years $1,076
50 Years $996
60 Years $1,010
70 Years $1,176

Gary, IN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Gary, IN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,921 $339
3 Vehicles $2,882 $509
4 Vehicles $3,842 $678

Savings on 2 Vehicles bundle:$339

Savings on 3 Vehicles bundle:$509

Savings on 4 Vehicles bundle:$678


Gary, IN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Gary, IN.

Location Average Insurance Cost Post DUI Insurance Rate
Gary $1,130 $1,748
Calumet $1,471 $2,276
New Chicago $1,472 $2,278
Lake Station $1,255 $1,942
Hobart $1,172 $1,813
Griffith $1,193 $1,846
North $1,173 $1,815
East Chicago $1,250 $1,934

Gary, IN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $970
Excellent (740-799) $1,107
Good (670-739) $1,177
Average (580-669) $1,536
Poor (300-579) $1,843

Gary, IN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Pam Ridings State Farm 216 Main St, Hobart, 46342-4440 219-942-4512
American Trust Ins Travelers 1315 119TH ST, WHITING, 46394 219-473-5532
Rick Greenberg State Farm 112 E Ridge Rd Ste F, Griffith, 46319-1167 219-513-8380
Brett Huber State Farm 5474 Us Highway 6, Portage, 46368-8220 219-763-4236
Highland Associates Inc Liberty Mutual Independent 9805 PRAIRIE AVE, HIGHLAND, 46322 (219) 836-6000
American Trust & Savings Bank Travelers 1315 119Th St, Whiting, 46394 None
Rothschild Agency Inc Liberty Mutual Independent 8979 BROADWAY, MERRIVILLE, 46410 219-769-6616
Kyle Dempsey State Farm 6934 Indianapolis Blvd, Hammond, 46324-2206 219-845-1571
Regnier Insurance Services None 2705 Highway Ave, Highland, 46322 None

Gary, IN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$50 $1,180
Driver's Failure In Showing Documents +$110 $1,240
Driving With An Expired Registration +$116 $1,246
Driving At A Considerably Slow Pace +$245 $1,375
Using A Cellphone While Driving +$259 $1,389
Running A Red Light +$263 $1,393
Speeding +$277 $1,407
Driving A Vehicle Without The Required Permission +$351 $1,481
Driving With An Expired/Suspended License +$762 $1,892

Gary, IN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,085
Active Disabling Device $1,085
Tracking Device $1,062
Passive Disabling Device $1,051

Latest Auto Insurance Reviews in Gary, IN | Back to Top

Geico
Geico offers the same type of premieums and services as any other car insurance, but at a significantly more affordable rate. We couldn't be happier with Geico.
American Family Insurance
Customers should note that the company offers few discounts compared to its competitors,insurance types (auto, home, and life) and a range of other policies
Geico
I believe I will switch over to a different car insurance once I get my own car due to my being on my own for the first time and my rates will be lower.