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Cheapest car insurance in Munster, Indiana (Nov 2024)
Cheapest car insurance in Munster, Indiana (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Munster, Indiana.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
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 Munster
- Best car insurance companies in Munster
- Best cheap car insurance quotes in Munster
- Average cost of car insurance in Munster
- Car insurance quotes in Munster by rating factors
- How do different factors impact your car insurance costs in Munster?
- Cheap car insurance quotes in Munster after driving violations
- Cheap car insurance quotes in Munster by age
- Cheap car insurance quotes in Munster based on insurance history
- Cheap car insurance quotes in Munster for popular cars
- How to lower car insurance costs in Munster
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Munster
On average, auto insurance in Munster costs about $74 per month for minimum coverage liability insurance and about $177 per month for full coverage insurance. Munster drivers pay 13% less than the average.
Prudent drivers in Munster visit Jerry every month because Jerry makes it easy for customers to
compare and buy car insurance policies
. Below, we’ll cover some of the cheapest car insurance quotes Jerry found for Munster drivers. 
Last Updated Nov 21, 2024Best car insurance companies in Munster
There is no single best car insurance company for everyone. The most important reason is that every customer gets different
car insurance quotes
based on their profile—meaning that the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service. To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us. A universal “best” car insurance company doesn’t exist.
State Farm
is the most popular insurance provider in the country. But our survey shows that customers in Indiana favor insurers like Assurance America, National General, and Root
—all of which earned an overall rating of 5/5.The table below shows how drivers in Munster rate different 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 Munster
When you’re shopping for car insurance in Munster, first consider how much coverage you need. In the Jerry app, quotes are organized into four levels of coverage:
- Basic: State minimum liability coverage
- Basic + Full coverage: State minimum liability, plus comprehensive and collision
- Standard: 50/100/50 liability coverage, plus full coverage and essential add-ons
- Preferred: 100/300/100 liability coverage, plus full coverage and top-tier add-ons like rental reimbursement
You also have the option to customize your coverage so you can create the exact policy you need.
Minimum liability quotes will be the cheapest, but they’ll also offer less protection.
A Standard or Preferred plan is the best option to protect most drivers.
Cheap minimum liability insurance quotes in Munster
Drivers in Indiana are legally required to carry minimum liability insurance to ensure financial responsibility while behind the wheel.
Indiana’s car insurance requirements
are: - $25,000 per person ofbodily injury liability
- $50,000 per accident of bodily injury liability
- $25,000 per accident ofproperty damage liability
These coverages are commonly referred to as 25/50/25 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
A minimum liability policy can cost as little as $42 a month in Munster.
But you should purchase as much insurance as you can afford, so be sure to compare that with policies that provide more protection, such as full coverage.
Do you need more than minimum coverage in Munster?
Most drivers in Munster would do well to consider purchasing higher liability coverage than the state minimum of 25/50/25.
If you’re in an at-fault accident, these minimums may not be enough to cover vehicle repairs and medical bills—and this is particularly true if the accident results in severe injuries to another person or if the car is totaled.
And keep in mind:
Indiana's car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident! The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage as well as full coverage.
Cheap full coverage car insurance quotes in Munster
If you want to be sure that your own costs will be covered if you need to repair or replace your car after an accident, you’ll need
full-coverage car insurance
. Full coverage includes comprehensive and collision coverage:
- Comprehensive coveragepays for damages to your car caused by perils other than collision or upset—including losses such as theft, fire, windstorm, or glass breakage
- Collision coveragepays for damages to your car resulting from a collision or rollover.
If you lease your car or have a car loan, your lender will typically require you to carry full coverage as part of your insurance policy.
If you lease your car or have a car loan, your lender will typically require you to carry full coverage as part of your insurance policy.
You can also choose to enhance your insurance protection by purchasing additional coverages. Popular insurance add-ons in Indiana include:
You might be surprised how affordable it is to buy an insurance policy consisting of all of the coverage you need.
"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 Munster
Based on our experience in assisting thousands of insurance customers in the Hoosier state, we’ve learned that the average cost of minimum liability coverage in Munster amounts to approximately $74 per month or $888 per year. The average price for full coverage insurance in Munster is $177 per month or $2,124 per year.
While the national average can give you an idea of potential insurance costs, individual insurance premiums are influenced by many factors—the type of vehicle, driving history, claims record, demographic information, and more.
Car insurance quotes in Munster by rating factors
Insurance companies in Munster use many rating factors when
calculating your auto insurance premium
: - Driving record and claims history: If yourIndiana driving recordhas a history of accidents or tickets, insurance companies are likely to charge higher premiums.
- Location: Rates may be higher if you reside in a city versus a rural area, and can also vary between ZIP codes within the same city.
- Vehicle type: Luxury, high-performance, and sports cars typically have higher insurance costs for collision and comprehensive coverage.
- Usage: Insurance companies often charge higher premiums if you use your car for commuting to and from work compared to using it solely for leisure purposes.
- Credit score: If you have a high credit rating you’ll generally pay less for insurance—and your creditworthiness typically affords you lower starting quotes.
How do different factors impact your car insurance costs in Munster?
How do different factors impact your car insurance costs in Munster?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Munster currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Munster:
Cheap car insurance quotes in Munster after driving violations
Insurance companies consider driving violations an indication of increased risk—and as a result, a history of moving violations means higher insurance premiums.
Your rate will increase based on the severity of the violation and the number of points accumulated on your
Indiana driving record
.Cheapest car insurance in Munster 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.
Last Updated Nov 21, 2024Cheapest car insurance in Munster after DUI
In Munster,
a DUI violation
typically leads to a substantial increase in car insurance rates compared to traffic infractions and other road violations.Following a DUI citation, you will likely need to shop multiple insurance providers to find the best rates available.
Jerry has helped many Munster drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Munster after an at-fault accident
Your accident and claims history play a significant role in determining auto insurance rates for Munster drivers since they give insurance companies an idea of your level of risk as a policyholder.
Indiana is an at-fault state
, so a recent at-fault accident can lead to a substantial increase in your coverage premiums come policy renewal. Jerry has helped many Munster drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Safeco | $206 | Paul, 33 Zip: 46321 | Honda Civic Sport | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Clearcover | $161 | Helen, 26 Zip: 46321 | Hyundai Sonata SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest car insurance in Munster after other driving violations
Apart from speeding tickets and DUIs, other violations can increase car insurance costs in Munster.
Common moving violations include speeding,
reckless driving
, and driving with a suspended license. Explore how Jerry has helped policyholders with violations on their driving records lower their monthly premiums.Last Updated Nov 21, 2024Cheap car insurance quotes in Munster by age
Generally, young drivers pay higher car insurance premiums compared to older and more experienced drivers because they’re more likely to be involved in accidents and engage in risky driving behaviors. By the age of 25, insurance rates tend to decrease.
On the other end of the age spectrum, older drivers may also experience higher insurance costs. Certain age-related factors—such as declining vision or slower reaction times—can increase the likelihood of an accident and result in greater risk for the insurer.
Ultimately, car insurance rates are the result of many factors—age is just one of them. Drivers young and old should shop around to find cost-effective coverage suited to their needs.
Cheapest car insurance in Munster for young drivers
In Munster,
teen drivers
between the ages of 16 and 19 typically face the highest insurance rates compared to other age groups.Full coverage is typically the best option for teen drivers as it offers comprehensive financial protection—especially for teens who own and drive newer cars.
Rodney (23 years old)
$78
per month
Shawn (21 years old)
$70
per month
Cheapest car insurance in Munster for senior drivers
Despite years of driving experience, seniors may experience age-related changes in vision, hearing, and cognitive abilities that affect their driving skills. Senior drivers are also more likely to sustain severe injuries in an accident compared to younger drivers.
Since insurance companies identify seniors as high-risk for serious accident and injury claims, they increase
rates for seniors
to compensate.
Cheap car insurance quotes in Munster based on insurance history
Insurance history plays a significant role in determining your car insurance rates—particularly whether you maintain continuous coverage.
When you have a coverage gap, insurance companies consider you a higher risk. An insurance coverage lapse will result in higher rates.
Payment reminders from Jerry help customers stay on track with insurance payments and prevent lapses in coverage. By proactively reminding you of upcoming payments or notifying you if you’re late, Jerry ensures timely and continuous coverage.
Jerry can help uninsured and lapsed-coverage customers discover savings with new policies.
Clearcover
Isaac (26 years old)
$161
per month
Clearcover
Helen (26 years old)
$161
per month
Electric
Marian (33 years old)
$202
per month
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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.
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I love this insurance!
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Made insurance simple and easy
Christa
Cheap car insurance quotes in Munster for drivers with poor credit
Indiana is one of many states that use
credit-based insurance scores
to determine rates. While your credit rating may not directly reflect your driving ability, insurance companies have found a correlation between lower credit scores and a higher likelihood of filing claims. Drivers with poor credit scores usually receive higher insurance rates compared to those with good credit ratings.
According to our data, the average car insurance rate for individuals in the lowest credit bracket (a score under 550) is nearly 20% higher than the average rate for those with excellent credit (above 750).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | Assurance America | $64 | Charles, 53 Zip: 46321 | Chrysler Sebring GTC | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Munster for popular cars
Cars that are cheap to insure tend to have low repair costs, anti-theft technology, and great safety features. For insurance providers, this translates to a low risk of expensive repair bills or theft.
In Indiana, some of the most popular models include:
Last Updated Nov 16, 2024Cheapest car insurance in Munster for new vs. old car
Insuring a new car tends to be more costly compared to an older car.
Based on our findings, full coverage insurance for a car over 10 years old in Munster averages $216 per month. As for a newer vehicle? The average cost increases to $216 per month to insure a car less than 4 years old.
Elva (34 years old)
$206
per month
Clearcover
Kenneth (27 years old)
$161
per month
Rodney (53 years old)
$64
per month
How to lower car insurance costs in Munster
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Many providers offer discounts for drivers who avoid accidents and traffic violations for a specified period of time.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Munster so expensive?
- Frequent and severe accidents resulting in claims, especially in densely populated cities
- High concentration of uninsured drivers
- Severe weather conditions and natural disasters, including earthquakes, flooding, and winter storms
- Inflation, leading to higher costs across the board—especially for medical care
FAQ
How much is car insurance in Munster?
People living in Munster pay on average $74 per month – or $888 per year – on state-minimum liability coverage. Full coverage in Munster costs on average $177 per month or $2,124 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Munster?
Based on thousands of Munster drivers Jerry has worked with, car insurance in Munster costs an average of $74 per month for state-minimum coverage and $177 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Munster?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Madison Mutual, ROOT, and Travelers receive good ratings from Munster drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
What is the minimum car insurance in Munster, Indiana?
The state-minimum car insurance in Munster, Indiana is as follows:
- $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 commonly expressed as 25/50/25.
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
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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.