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Cheapest car insurance in Hammond, Indiana (Nov 2024)
Cheapest car insurance in Hammond, Indiana (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Hammond, Indiana.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Hammond, Indiana
- Best car insurance companies in Hammond
- Best cheap car insurance quotes in Hammond
- Average cost of car insurance in Hammond
- Car insurance quotes in Hammond by rating factors
- How do different factors impact your car insurance costs in Hammond?
- Cheap car insurance quotes in Hammond after driving violations
- Cheap car insurance quotes in Hammond by age
- Cheap car insurance quotes in Hammond based on insurance history
- Cheap car insurance quotes in Hammond for popular cars
- How to lower car insurance costs in Hammond
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Hammond, Indiana
Drivers in Hammond,
Indiana
, spend an average of $49 per month ($588 per year) on minimum liability car insurance and $141 per month ($1,692 per year) on a full coverage insurance policy. Compared to the state average, Hammond motorists pay about 12% more for insurance.The key to finding great
car insurance
rates is to compare quotes from multiple providers. Jerry
makes it easy to check for coverage options so you can see the cheap rates. Have a look at what Jerry found for drivers in Hammond below. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $74 | James, 26 Zip: 46323 | KIA Forte LX | • State Minimum Liability |
| Safeco | $84 | Claudia, 68 Zip: 46320 | Ford F150 Supercrew | • State Minimum Liability |
Clearcover | $101 | Ophelia, 52 Zip: 46327 | Chevrolet Equinox LT | • State Minimum Liability • Comp / Collision |
| State Auto | $88 | Francisco, 28 Zip: 46324 | Honda Civic EX | • 50,000/100,000 Liability |
| Bristol West | $217 | Sue, 27 Zip: 46324 | Chevrolet Trax 1LT | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 17, 2024Best car insurance companies in Hammond
Auto owners receive different insurance quotes based on their driver profiles, so the company with the most affordable rates differs from driver to driver.
Jerry’s national insurance survey—which asked 15,000 policyholders nationwide to rate 87 insurance providers—found that State Farm is America's most popular insurance provider. However, it also found that Indiana drivers prefer
Assurance America
, National General
, and Root, all of which they rated five out of five.The table below shows the scores of popular auto insurance companies in Hammond in several categories on a scale from zero to five.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| National General | 4.6 | 4.4 | N/A | 4.8 |
Gainsco | 4.4 | 4.8 | N/A | 4.6 |
| Progressive | 4.4 | 4.2 | 4.1 | 4.3 |
| Farmers | 4.3 | 4 | N/A | 4.8 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Hammond
States nationwide have minimum insurance requirements, and Indiana is no exception. You must provide proof of insurance to register and drive a motor vehicle in the Hoosier state.
Cheap minimum liability insurance quotes in Hammond
Liability insurance
is the cornerstone of Indiana’s minimum car insurance requirements
. It covers any damages you cause with your car, whether bodily injuries or property damages.Every auto insurance policy in the state must include:
- $50,000 of bodily injury liability coverage per accident
Insurers often shorten these limits to “25/50/25.”
Here are a few rates Jerry helped Hammond drivers find for minimum liability car insurance:
James (26 years old)
$74
per month
Victor (34 years old)
$79
per month
Gainsco
Hannah (47 years old)
$62
per month
Clearcover
Ophelia (52 years old)
$101
per month
Do you need more than minimum coverage in Hammond?
Hammond residents should consider raising their coverage limits.
Indiana’s car accident laws
make the at-fault driver responsible for paying the injured party’s bills. If you cause a car accident, the medical bills and property damages could easily exceed $50,000 and $25,000, respectively. The law also allows the injured party to sue you for up to two years.The bottom line: Liability coverage limits of 50/100/50 or 100/300/100 provide better financial protection.
Cheap full coverage car insurance quotes in Hammond
Repairing or replacing your vehicle could cost thousands of dollars unless you have a
full-coverage auto insurance
policy. Unlike liability insurance—which pays for other people’s medical expenses and property damages—full coverage is for your benefit.In Indiana, full coverage car insurance includes:
- Collision coverage: Pays for vehicle repairs or a replacement after impact with another vehicle or stationary object.
- Comprehensive coverage: Pays for vehicle repairs or a replacement after extreme weather incidents, theft, and other non-accident-related damages.
Depending on your insurance needs, you might also want to consider extra coverage options like:
Whatever your desired level of coverage, Jerry can help you find affordable rates in Hammond like the ones below:
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $179 | Don, 58 Zip: 46324 | Subaru Legacy Sport |
• State Minimum Liability • Comp / Collision | Safeco | $149 | Alma, 29 Zip: 46323 | Land Rover Range Rover Evoque Pure Plus |
• State Minimum Liability • Comp / Collision | Clearcover | $101 | Ophelia, 52 Zip: 46327 | Chevrolet Equinox LT |
Last Updated Nov 18, 2024Online tools and apps make finding cheap car insurance quotes quick and easy. Jerry simplifies the process even further with a quick sign-up questionnaire and a team of licensed agents to help you lock in the cheapest rates for whatever car insurance services you’re after.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Hammond
Jerry’s data shows that the average minimum liability insurance policy in Hammond costs $49 per month or $588 per year. The average full coverage insurance policy costs about $141 per month or $1,692 per year.
The data also shows how different an average rate can be. Auto insurance costs are highly individual and look at multiple factors, like your demographics, driving history, motor vehicle, and more. Always get a quote before making any major financial decisions.
Average cost of car insurance in Hammond by zip code
Telling providers that you live in Hammond isn’t enough; insurers need your ZIP code to know exactly how much traffic, crime, and extreme weather your corner of the map experiences. All three will affect your auto insurance rates.
Take a look below to see how different ZIP codes can affect your insurance coverage.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
46320 | $49 | $149 |
46323 | $64 | $118 |
46324 | $46 | $107 |
46327 | $48 | $100 |
Car insurance quotes in Hammond by rating factors
When providers
calculate your insurance premiums
, they look at your driver profile, which comprises rating factors such as:- Credit score: A high credit rating generally leads to lower rates because it indicates you paid your bills on time.
- Driving history and claims: Insurance companies charge higher premiums if you have a history of accidents or tickets on your record.
- Location: Your rates change depending on whether you live in a rural area, an urban one, or a neighborhood prone to theft or car accidents.
- Usage: If you use your car to commute to work, expect to pay higher insurance premiums.
- Vehicle type: Luxury, high-performance, and sports cars usually come with higher costs for collision and comprehensive coverage.
How do different factors impact your car insurance costs in Hammond?
How do different factors impact your car insurance costs in Hammond?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Hammond currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Hammond:
Cheap car insurance quotes in Hammond after driving violations
Your
Indiana driving record
—and any driver violation points on your driver’s license—tells car insurance companies how likely you are to get into trouble or file a claim. If you commit repeated small violations (or several serious ones), you’ll be branded a high-risk driver
and subject to sky-high insurance rates.Cheapest car insurance in Hammond after DUI
Operating While Intoxicated (OWI) in Indiana
leads to fines, jail time, and a substantial increase in your annual premiums. Hammond drivers with an OWI conviction use Jerry to compare quotes and find the lowest rates possible, as you can see below:
Harold (46 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Hammond, IN (Zip Code: 46320)
$197
per month
Victor (34 years old)
$79
per month
Cheapest car insurance in Hammond after an at-fault accident
Indiana is an at-fault state
, so if you cause a car accident, your insurance company must pay the damages. It passes these costs to you in the form of increased monthly premiums.If you’ve recently been involved in a car accident, you can find affordable auto insurance by comparing quotes with Jerry.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $122 | Joshua, 23 Zip: 46320 | Ford Explorer | • State Minimum Liability |
At Fault With No Injury | Clearcover | $95 | Milton, 33 Zip: 46323 | Buick Encore GX Select | • State Minimum Liability • Comp / Collision |
Not At Fault | Gainsco | $134 | Caleb, 48 Zip: 46324 | Ford F150 Supercrew | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | National General | $112 | Nancy, 25 Zip: 46320 | Audi A6 Premium Plus | • State Minimum Liability |
Last Updated Nov 19, 2024Cheapest car insurance in Hammond after other driving violations
Many other driving violations can raise your insurance costs, including
speeding tickets
, reckless driving
charges, or driving without insurance
. Jerry helped Hammond drivers find the cheapest possible option in every case by comparing quotes from local providers.| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Driving on Sus. License | Progressive | $107 | Bryan, 35 Zip: 46324 | Honda Accord EXL | • State Minimum Liability • Comp / Collision |
Seat Belt | Bristol West | $115 | Winifred, 23 Zip: 46320 | Ford Explorer | • State Minimum Liability |
Last Updated Nov 21, 2024Cheap car insurance quotes in Hammond by age
New drivers
typically see higher car insurance premiums than seasoned ones because they’re more likely to be involved in car accidents. Teen drivers pay especially high rates, at least until they turn 25.Afterward, drivers can look forward to declining insurance costs until they turn 75. At that point, rates tend to increase once again.
Both groups of drivers need to look out for discounts and compare quotes to find the most cost-effective car insurance coverage for their age.
Cheapest car insurance in Hammond for young drivers
Statistically,
drivers between 16 and 19 years
old have a high risk of getting into a car accident, making it difficult sometimes to find cheap insurance.Comparing quotes can help you find low rates. You might also want to consider adding full coverage insurance to your policy to cover the mistakes of an inexperienced driver.
Rodney (23 years old)
$89
per month
Cheapest car insurance in Hammond for senior drivers
Unfortunately, a lifetime of good driving habits can’t offset the rate increase older motorists experience. Senior drivers are more likely to get into car accidents and more likely to suffer severe injuries, too.
The best car insurance for seniors
offers low-mileage discounts and savings for safe driving—and it always pays to compare quotes.Alberta (66 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Hammond, IN (Zip Code: 46324)
$97
per month
Randall (71 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Hammond, IN (Zip Code: 46323)
$109
per month
Cheap car insurance quotes in Hammond based on insurance history
A
car insurance lapse
is any gap in your insurance history, i.e., a period of time when you didn’t have coverage. It doesn’t necessarily mean you drove uninsured, but insurance providers worry that it could have been caused by skipping payments or renewals, so they usually charge higher rates.The key word is “usually.” Jerry can help you find a provider willing to give you a fresh start and send you renewal reminders to avoid future gaps
Esther (51 years old)
$99
per month
Ophelia (28 years old)
Not Currently Insured
CoverageState Minimum
Hammond, IN (Zip Code: 46323)
Land Rover Range Rover Evoque Pure Plus$149
per month
Gainsco
Wayne (46 years old)
$62
per month
Clearcover
Winnie (51 years old)
$101
per month
Clearcover
Beatrice (51 years old)
$101
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I give clear cover a 5 out of 5 for helping me find the cheapest insurance possible, my insurance rates don't fluctuate.
Kirk
Great company and great insurance
William
I love this insurance!
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Made insurance simple and easy
Christa
Cheap car insurance quotes in Hammond for drivers with poor credit
Like other states, Indiana car insurance providers use
credit scores to calculate your car insurance rates
. Studies have shown
that poor credit drivers in Indiana can pay up to 104% more for coverage than good credit drivers. Here’s a closer look at just how impactful a credit score can be in the state.| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $83 | Lloyd, 58 Zip: 46324 | Hyundai Elantra SE | • State Minimum Liability • Comp / Collision |
660 - 750 | National General | $98 | David, 31 Zip: 46327 | Chevrolet Impala LT | • State Minimum Liability |
550 - 659 | Bristol West | $222 | Phillip, 26 Zip: 46320 | Audi A6 Premium Plus | • State Minimum Liability |
< 550 | Progressive | $197 | Rosalie, 26 Zip: 46324 | Dodge Charger SXT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Hammond for popular cars
The
cheapest cars to insure
have low repair costs, strong anti-theft measures, and high safety ratings. Not only are they inexpensive to fix or replace, but they also pose a lower risk of getting stolen or giving their occupants severe injuries.The most popular vehicles in Indiana are:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic EX | Progressive | $97 | Trevor, 65 Zip: 46324 | • 50,000/100,000 Liability • Comp / Collision |
| Jeep Wrangler Unlimited Sport | Assurance America | $75 | Fanny, 35 Zip: 46323 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 19, 2024Cheapest car insurance in Hammond for new vs. old car
Insurance data shows higher insurance rates for new cars than for older ones. For comparison, the average cost of full coverage for a 2000 Honda Civic is roughly $160 per month, whereas a 2024 model could cost up to $450 per month.
Regardless of how old your vehicle is, Jerry can still find you affordable rates from trusted providers.
Don (58 years old)
$179
per month
Clearcover
Ophelia (52 years old)
$101
per month
Randall (71 years old)
2019 Chevrolet Trax 1LT
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Hammond, IN (Zip Code: 46323)
$109
per month
Gainsco
Sadie (39 years old)
$190
per month
How to lower car insurance costs in Hammond
1. Shop around and compare quotes
To guarantee the lowest costs, you must compare many car insurance quotes. Experts recommend going insurance shopping every six months and comparing prices from at least three providers.
You can condense hours of research into a few minutes by using a quote comparison app like Jerry. Jerry collects and compares free quotes from top providers, showing you some of the cheapest rates for the type of insurance coverage you’re after.
2. Hunt for car insurance discounts
Every provider offers drivers a way to save money, but they don’t all offer the same
car insurance discounts
. You’ll have to call and ask your insurance company if they offer discounts like:- Good driver discounts: Indiana drivers who avoid getting a traffic citation or into an at-fault accident for a few years could pay less on their premium.
- Good student discounts: Full-time high school or college students with a B average or better may be eligible for discounts on their insurance.
- Telematics discounts: Drivers who install a telematics device in their car can rack up savings for safe driving behaviors.
You could also be eligible for a bundling discount if you combine two or more insurance products from the same company, such as:
3. Increase your deductible for comprehensive and collision coverage
Drivers with a full-coverage policy can reduce their rates by choosing a higher deductible. Just be sure you select an amount you can comfortably afford in the event of an accident.
Why is car insurance in Hammond so expensive?
Hammond’s insurance rates are about 12% higher than the state average, and there are a few reasons for that.
- A high number of residents leads to many cars on the road, which usually leads to more car accidents and expensive insurance premiums.
- Inflation increases costs across the board, including car insurance. For Indiana, state inflation has risen by roughly17% since 2021.
- Indiana is on the high side for uninsured motorists,with nearly 16%of residents driving without coverage. Uninsured drivers raise rates for everybody because insurance providers have to pay for the damages they cause.
- Natural disasters in the area (or even the risk of it), like tornadoes and flooding, can be a red flag for providers.
Learn more:
11 Ways to lower car insurance
FAQ
How much is car insurance in Hammond?
On average, Hammond drivers pay about $49 per month or $588 per year for state-minimum liability coverage and $141 per month or $1,692 per year for full coverage.
However, car insurance rates depend heavily on individual circumstances. Getting personalized quotes is essential to accurately estimating costs.
What is the minimum car insurance in Hammond, Indiana?
The minimum Hammond car insurance follows the 25/50/25 guideline set by the state of Indiana, which includes:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $25,000 of property damage liability coverage per accident
What is the cheapest car insurance in Hammond?
For state minimum coverage, Nationwide ($23/month), Clearcover ($26/month), Travelers ($26/month), and Progressive ($46/month) are some of the cheapest providers in Hammond.
However, because auto insurance rates are so individual, you don’t know how much you can save until you ask for a quote, and you don’t know if you’ve got the best deal unless you look at the competition.
What is the best car insurance in Hammond?
Jerry conducted the largest insurance shopping survey nationwide and found that Hammond drivers preferred Madison Mutual, ROOT, and Travelers over other providers.
But keep in mind that what you’re looking for might not be what someone else is looking for. Some people value affordability over a claims process, and others want customer service above all else. The only way to find the best coverage for you is to compare quotes from different companies.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.