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Cheapest car insurance in Kendallville, Indiana (Nov 2024)
Cheapest car insurance in Kendallville, Indiana (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Kendallville, Indiana.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Kendallville
- Best car insurance companies in Kendallville
- Best cheap car insurance quotes in Kendallville
- Average cost of car insurance in Kendallville
- Car insurance quotes in Kendallville by rating factors
- How do different factors impact your car insurance costs in Kendallville?
- Cheap car insurance quotes in Kendallville after driving violations
- Cheap car insurance quotes in Kendallville by age
- Cheap car insurance quotes in Kendallville based on insurance history
- Cheap car insurance quotes in Kendallville for popular cars
- How to lower car insurance costs in Kendallville
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Kendallville
In Kendallville, the average monthly cost for minimum liability coverage is approximately $50, with full coverage insurance priced at about $99 per month. That’s approximately 13% less compared to the state average.
Drivers in Kendallville can simplify the comparison and purchase of car insurance policies by shopping around. Below are some of the most budget-friendly car insurance options available for Kendallville residents.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $95 | Alta, 41 Zip: 46755 | Honda Pilot Touring | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $215 | Phillip, 40 Zip: 46755 | Jeep Renegade Latitude | • 100,000/300,000 Liability • Comp / Collision |
Gainsco | $148 | Luke, 26 Zip: 46755 | Chevrolet Traverse LT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 18, 2024Best car insurance companies in Kendallville
The best car insurance provider is subjective, as each driver’s profile yields distinct
quotes
. Your make and model as well as your driving history will affect your policy cost. Beyond pricing, remember to consider factors like claims handling and customer service when selecting a company.To help drivers find the most affordable car insurance providers, Jerry asked thousands of policyholders to rate top companies in Kendallville and beyond. Surprisingly, no universally superior car insurance company emerged.
While
State Farm
insurance is popular nationwide, Indiana drivers tend to favor insurers like Assurance America
, National General
, and Root
—all earned a solid 5/5 overall rating from real drivers. The table below showcases Kendallville drivers' ratings of various insurance companies on a scale of 0 to 5.
| 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 Kendallville
Indiana mandates that all drivers must carry minimum liability insurance. This basic coverage, often referred to as 25/50/25, is usually the way to unlock the most economical rates, too.
You must be able to show proof of coverage to avoid tickets and fines.
Cheap minimum liability insurance quotes in Kendallville
According to Indiana's Bureau of Motor Vehicles (BMV), Kendallville drivers must adhere to minimum coverage limits for bodily injury liability and property damage liability:
- $25,000 per person forbodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident forproperty damage
Highlighted below are real Kendallville car owners who secured minimum liability coverage with Jerry. While minimum coverage satisfies legal requirements, it may not offer sufficient financial protection in some scenarios.
Adele (44 years old)
$66
per month
Electric
Kathryn (26 years old)
$103
per month
Do you need more than minimum coverage in Kendallville?
In Kendallville, it's wise for drivers to consider getting more liability coverage than the state minimum of 25/50/25. If you're at fault in an accident, these minimums might not cover all vehicle repairs and medical costs, especially for serious injuries or if the car is destroyed.
Be aware that
Indiana's car accident laws
let drivers file injury and property damage lawsuits for up to two years after an accident, extending your liability.This is why many Kendallville drivers may benefit from higher liability limits, such as 50/100/50 or 100/300/100, which provides better protection in severe accidents or against property damage lawsuits.
Cheap full coverage car insurance quotes in Kendallville
Next to higher liability limits, choosing a
full coverage
car insurance policy is essential to safeguarding your finances against significant accident expenses. Repairing or replacing your vehicle can be costly, and liability-only policies do not cover those costs. Adequate full coverage ensures you won't have to bear the financial burden after your car is damaged in an accident.
Full coverage typically includes liability coverage, as well as comprehensive and collision coverage:
- Comprehensivecoverage: This pays for damages caused by non-collisions, like theft, fire, windstorm, or glass breakage.
Kendallville drivers can choose to bolster their protection by purchasing additional insurance products. For instance, common add-ons in Indiana include
medical payments
(MedPay), personal injury protection
(PIP), rental reimbursement, roadside assistance, uninsured/underinsured motorist coverage (UM/UIM)
, and gap insurance.Take a look at the most affordable full coverage quotes in Kendallville.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Bristol West | $135 | Jesus, 42 Zip: 46755 | Chevrolet Traverse Premier |
• 50,000/100,000 Liability • Comp / Collision | Electric | $106 | Hettie, 41 Zip: 46755 | Honda Pilot Touring |
• State Minimum Liability • Comp / Collision | Assurance America | $86 | Minnie, 53 Zip: 46755 | Ford Escape SE |
Last Updated Nov 18, 2024Comparing car insurance rates online is the quickest and simplest way to discover the most affordable coverage options tailored to your needs. Through a free mobile app, Jerry makes it easy to compare and buy a policy with support from over 100 licensed insurance agents.
"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 Kendallville
The average monthly cost of minimum liability coverage in Kendallville is approximately $50, totaling $606 annually. For full coverage insurance in Kendallville, the average monthly cost is $99, amounting to $1,190 annually.
Don’t get stuck on those numbers, though. National averages provide a general indication of potential insurance expenses, but individual premiums are affected by a lot of factors like your driving history, claims record, and demographic information.
Car insurance quotes in Kendallville by rating factors
Here are some of the key factors that insurance companies in Kendallville use to
calculate
your auto insurance premium: - Driving record and claims history: Insurance companies are inclined to charge higher premiums if your Indiana driving record includes accidents or tickets.
- Location: Rates may vary depending on whether you reside in a city or a rural area, and can also differ between ZIP codes within the same city.
- Vehicle type: Cars that cost more to repair and replace (like luxury, high-performance, and sports cars) typically cost more to insure for collision and comprehensive coverage.
- Usage: If you use your car primarily for leisure—rather than putting on a ton of miles as a commuter—insurance companies often charge lower premiums.
- Credit score: A high credit rating usually results in lower insurance premiums, as your creditworthiness typically leads to lower starting quotes.
How do different factors impact your car insurance costs in Kendallville?
How do different factors impact your car insurance costs in Kendallville?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Kendallville currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Kendallville:
Cheap car insurance quotes in Kendallville after driving violations
Violations on your record lead to increased risk perception. In other words, companies think that you’re more likely to get ticketed in the future if you’ve been ticketed in the past.
Rates will rise depending on how extreme the violation was, as well as the number of points you’ve earned against your
Indiana driving record
.Cheapest car insurance in Kendallville after speeding ticket
In Indiana,
speeding tickets
can cost $300 each, plus additional penalties like points. Speeding can earn you between two to eight points, depending on how fast you were going. Points and speeding tickets will raise your insurance premium. More points and more tickets mean higher costs. Kendallville drivers have used Jerry to find coverage after a speeding ticket.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Nationwide | $48 | Edith, 37 Zip: 46755 | Mini Cooper | • 50,000/100,000 Liability • Comp / Collision |
Speeding 6-10 | Nationwide | $55 | Alice, 44 Zip: 46755 | Infiniti G37 | • 50,000/100,000 Liability |
Last Updated Nov 21, 2024Cheapest car insurance in Kendallville after DUI
A DUI violation in Kendallville usually triggers a significant bump in car insurance rates compared to other traffic infractions.
After a
DUI conviction in Indiana
, you'll probably need to check with multiple companies to get the most favorable rates. Be aware that some companies may refuse coverage to drivers with a DUI. Many Kendallville drivers have used Jerry to find coverage after a DUI. 
Cheapest car insurance in Kendallville after an at-fault accident
Kendallville drivers can expect their auto insurance rates to be heavily influenced by accident and claims history. That’s because your driving history reflects your risk level.
Indiana is an
at-fault state
, so drivers will experience significant increases in coverage premiums after at-fault accidents whenever the policy is up for renewal. After an at-fault accident, local drivers are using Jerry to find affordable coverage.| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $135 | Jay, 41 Zip: 46755 | Chevrolet Traverse Premier | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $99 | Antonio, 25 Zip: 46755 | Chevrolet Traverse LT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Kendallville after other driving violations
In Kendallville, lots of violations aside from speeding tickets and DUIs can elevate car insurance expenses:
These are among the common moving violations that can lead to increased insurance costs in Indiana. However, policyholders can reduce monthly premiums despite violations by shopping around with Jerry.
Last Updated Nov 15, 2024Cheap car insurance quotes in Kendallville by age
Car insurance premiums for young drivers are typically higher due to their increased accident risk and risky driving behaviors. The good news is that rates generally decrease by age 25.
Conversely, older drivers in Indiana also tend to face higher insurance costs due to factors like declining vision and slower reaction times, which elevate accident risk. Ultimately, age is just one of many factors that impact your insurance rates. Young and old drivers should compare rates at multiple companies to find suitable coverage.
Cheapest car insurance in Kendallville for young drivers
In this area (and elsewhere), drivers aged 16 to 19 tend to pay the highest insurance premiums among all age groups.
Teen drivers
should consider full coverage for comprehensive financial protection, particularly if they own and drive newer vehicles.Take a look at some of the rates real teen motorists in Kendallville received using Jerry.
Cheapest car insurance in Kendallville for senior drivers
Despite their wealth of driving experience, age-related changes in vision, hearing, and cognitive abilities can impact senior drivers' skills behind the wheel.
As a result, insurance companies often adjust
rates for seniors
to reflect their heightened risk of accidents and injuries.
Cheap car insurance quotes in Kendallville based on insurance history
Your insurance history has a major influence on your car insurance rates, especially whether you’ve had continuous coverage—or not. A coverage gap signals higher risk to insurance companies, which can lead to increased rates.
To prevent coverage lapses, Jerry sends proactive payment reminders so you can pay on time and retain continuous coverage. Uninsured and lapsed-coverage drivers in Kendallville can also find savings through a new policy with Jerry.
Jim (43 years old)
$66
per month
Gainsco
Shawn (25 years old)
$148
per month
Della (41 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Kendallville, IN (Zip Code: 46755)
$135
per month
Harvey (41 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Kendallville, IN (Zip Code: 46755)
$135
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!
Heather
Made insurance simple and easy
Christa
Cheap car insurance quotes in Kendallville for drivers with poor credit
Credit-based insurance scores
are used in Indiana, as in many other states, to inform insurance rates. Though there’s no direct connection between driving ability and credit score, insurance companies have observed a connection between lower credit scores (< 600) and increased claim filings.Data reveals a nearly 20% discrepancy in average insurance rates between individuals in low and high credit brackets. Kendallville drivers with poor credit ratings can expect higher insurance premiums compared to drivers with good scores (over 700).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $135 | Lawrence, 41 Zip: 46755 | Chevrolet Traverse Premier | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Assurance America | $86 | Olga, 53 Zip: 46755 | Ford Escape SE | • State Minimum Liability • Comp / Collision |
660 - 750 | Assurance America | $86 | Hettie, 53 Zip: 46755 | Ford Escape SE | • State Minimum Liability • Comp / Collision |
550 - 659 | Safeco | $215 | Calvin, 40 Zip: 46755 | Jeep Renegade Latitude | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheap car insurance quotes in Kendallville for popular cars
For insurance providers, vehicles with low repair costs, anti-theft technology, and excellent safety features pose minimal risk of expensive repair bills or theft. That’s why they cost less to insure.
Here are some of the most popular models in Indiana:
- Ford F-150And some of the rates drivers with popular vehicles achieve in Kendallville:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Chevrolet Chevrolet_silverado | Progressive | $63 | Jane, 33 Zip: 46755 | • State Minimum Liability • Comp / Collision |
| Toyota Camry | Travelers | $67 | William, 32 Zip: 46755 | • State Minimum Liability |
Last Updated Nov 15, 2024Why is car insurance in Kendallville so expensive?
- Urban areas experience more frequent and severe accidents, particularly in densely populated cities.
- The presence of uninsured drivers is notably higher in Indiana than other states.
- Severe weather conditions and natural disasters like earthquakes, flooding, and winter storms contribute to insurance risks in Indiana.
- Inflation drives up costs for everyone, but especially the cost of medical care.
How to lower car insurance costs in Kendallville
1. Shop around and compare quotes
To get the best deal on car insurance, it's important to compare quotes regularly. Every six months, your policy is up for renewal—and that’s when you should be shopping for quotes. Insurance companies change their pricing criteria often, so it's wise to check out rates before you automatically renew.
Jerry simplifies policy comparisons. If you have a smartphone and 45 seconds, Jerry will collect quotes from over 55 top insurance providers for free.
2. Hunt for car insurance discounts
Insurance providers offer various
discounts
, but they differ from one company to another. Here are some common ones:- Good driver discounts. Many insurers reward drivers with clean records, free of accidents and violations. You may have to go two to three years to earn this discount.
- Telematics discounts. Some companies offer discounts to drivers who use telematics devices to monitor their driving habits. There’s usually a sign-up discount, too.
- Good student discounts. Full-time students with a B average or better may qualify for discounts. This applies to high school and college students.
- Bundlingdiscounts. Combining multiple policies with one insurer often results in discounted rates on each insurance coverage. This works for homeowners insurance or home insurance, renters insurance, and life insurance.
3. Increase your deductible for comprehensive and collision coverage
Increasing your deductible with full coverage car insurance can help reduce monthly expenses. You don’t lose any coverage but you save a few bucks. However, only do this if you can comfortably afford the higher out-of-pocket deductible.
FAQ
How much is car insurance in Kendallville?
Residents of Kendallville pay varying amounts for car insurance, with averages around $50 per month or $606 per year for state-minimum liability coverage, and approximately $99 per month or $1,190 per year for full coverage.
However, these figures are just averages, as insurance rates depend heavily on individual factors. To get a precise estimate, it's essential to shop around and compare quotes from different providers.
Jerry
is a convenient app that pulls personalized quotes from top insurance companies with support from licensed agents at a top-rated insurance agency.What is the minimum car insurance in Kendallville, Indiana?
All drivers in Kendallville must carry minimum liability coverage at 25/50/25 levels:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These minimum liability coverage limits are mandated by the state of Indiana—no driver is exempt.
What is the cheapest car insurance in Kendallville?
Car insurance typically averages around $50 per month for state-minimum coverage and $99 per month for full coverage in Kendallville, according to Jerry’s research.
The truth is that there isn't a single insurance company that offers the lowest rates for everyone. However, by comparing insurance quotes with a tool like Jerry, you can discover the most economical option tailored to your personal insurance needs.
What is the best car insurance in Kendallville?
According to a recent survey,
Madison Mutual
, ROOT, and Travelers
are highly rated by Kendallville drivers. Remember: While finding the right coverage at an affordable price is important, the level of customer service should also influence your choice of insurance company. For instance, do you need service in English as well as Spanish? Do you prefer a company with a phone number where you can reach a real person? What about a company with a local office so you can get directions to meet someone in real life, rather than driving all the way to Indianapolis for a face-to-face?
Jerry helps car owners compare companies and find the best policy for their needs.
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
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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.