Car insurance in Munster for an adult with a clean driving record and good insurance score costs $1,294 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Munster by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Munster.

Key Highlights
  • Car insurance in Munster is more expensive than car insurance in Indiana for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Munster is $1,294 per year or $108 per month.
  • In Munster, Geico offers the cheapest full coverage car insurance at $59 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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What is the average cost of car insurance in Munster, IN?

The average auto insurance rates in Munster, IN at various coverage levels are listed below:

  • State minimum: $408 per year
  • Liability-only coverage (50/100/50): $477 per year
  • Full coverage (100/300/100): $1,294 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Geico$216$264$706
USAA$253$295$871
Nationwide$487$530$1,040
State Farm$338$415$1,059
Auto-Owners$301$375$1,178
Travelers$447$501$1,190
American Family$447$555$1,354
Farmers$502$597$1,481
Progressive$428$495$1,698
Allstate$663$746$2,362

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Munster, IN?

Out of all the carriers available in Munster, Geico offers the cheapest full coverage car insurance at $59 per month.

The second-cheapest car insurance company in Munster is USAA, offering car insurance at $73 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Geico$59
USAA$73
Nationwide$87
State Farm$88
Auto-Owners$98
Travelers$99
American Family$113
Farmers$123
Progressive$142
Allstate$197

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Munster, IN?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Indiana is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Munster, IN

See the average annual premium for drivers with two speeding tickets on their records in Munster, IN in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$103
USAA$103
Nationwide$136
Geico$139
Travelers$164
American Family$169
Farmers$210
Auto-Owners$211
Allstate$272
Progressive$276

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Munster, IN

See the average annual premium for a driver convicted of DUI in Munster, IN in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
USAA$108
State Farm$111
Geico$141
American Family$154
Travelers$159
Nationwide$182
Progressive$183
Farmers$192
Auto-Owners$251
Allstate$261

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Munster, IN

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Munster, IN, by age

Age is a key factor when considering car insurance rates in most cities, including Munster – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$209
16American Family$672
16Auto-Owners$414
16Geico$413
16Farmers$781
16Nationwide$434
16Progressive$727
16State Farm$368
16Travelers$552
16USAA$332
17Allstate$209
17American Family$450
17Auto-Owners$287
17Geico$225
17Farmers$617
17Nationwide$417
17Progressive$529
17State Farm$323
17Travelers$451
17USAA$207
18Allstate$197
18American Family$349
18Auto-Owners$255
18Geico$191
18Farmers$505
18Nationwide$359
18Progressive$486
18State Farm$283
18Travelers$324
18USAA$165
19Allstate$197
19American Family$282
19Auto-Owners$223
19Geico$140
19Farmers$316
19Nationwide$309
19Progressive$377
19State Farm$248
19Travelers$257
19USAA$142
20Allstate$197
20American Family$236
20Auto-Owners$201
20Geico$128
20Farmers$290
20Nationwide$258
20Progressive$342
20State Farm$217
20Travelers$217
20USAA$130
21Allstate$184
21American Family$205
21Auto-Owners$175
21Geico$103
21Farmers$232
21Nationwide$165
21Progressive$293
21State Farm$183
21Travelers$183
21USAA$121
22Allstate$184
22American Family$181
22Auto-Owners$156
22Geico$83
22Farmers$221
22Nationwide$145
22Progressive$259
22State Farm$164
22Travelers$164
22USAA$114
23Allstate$184
23American Family$163
23Auto-Owners$140
23Geico$78
23Farmers$201
23Nationwide$136
23Progressive$238
23State Farm$144
23Travelers$148
23USAA$108
24Allstate$184
24American Family$148
24Auto-Owners$128
24Geico$72
24Farmers$195
24Nationwide$129
24Progressive$217
24State Farm$132
24Travelers$137
24USAA$103
25Allstate$197
25American Family$134
25Auto-Owners$137
25Geico$69
25Farmers$146
25Nationwide$110
25Progressive$179
25State Farm$115
25Travelers$118
25USAA$95
30Allstate$197
30American Family$126
30Auto-Owners$98
30Geico$64
30Farmers$135
30Nationwide$95
30Progressive$156
30State Farm$90
30Travelers$113
30USAA$82
35Allstate$197
35American Family$119
35Auto-Owners$98
35Geico$61
35Farmers$128
35Nationwide$91
35Progressive$149
35State Farm$88
35Travelers$110
35USAA$75
40Allstate$197
40American Family$113
40Auto-Owners$98
40Geico$59
40Farmers$123
40Nationwide$87
40Progressive$142
40State Farm$88
40Travelers$99
40USAA$73
45Allstate$197
45American Family$108
45Auto-Owners$94
45Geico$57
45Farmers$115
45Nationwide$84
45Progressive$142
45State Farm$88
45Travelers$99
45USAA$70
50Allstate$197
50American Family$106
50Auto-Owners$92
50Geico$56
50Farmers$111
50Nationwide$81
50Progressive$134
50State Farm$87
50Travelers$98
50USAA$67
55Allstate$197
55American Family$105
55Auto-Owners$90
55Geico$55
55Farmers$105
55Nationwide$79
55Progressive$132
55State Farm$84
55Travelers$89
55USAA$66
60Allstate$197
60American Family$106
60Auto-Owners$89
60Geico$53
60Farmers$104
60Nationwide$78
60Progressive$133
60State Farm$82
60Travelers$90
60USAA$66
65Allstate$197
65American Family$110
65Auto-Owners$96
65Geico$53
65Farmers$115
65Nationwide$80
65Progressive$137
65State Farm$81
65Travelers$97
65USAA$69
70Allstate$197
70American Family$118
70Auto-Owners$107
70Geico$56
70Farmers$130
70Nationwide$85
70Progressive$150
70State Farm$86
70Travelers$107
70USAA$78
75Allstate$197
75American Family$132
75Auto-Owners$120
75Geico$60
75Farmers$149
75Nationwide$95
75Progressive$188
75State Farm$94
75Travelers$122
75USAA$94

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Munster, IN, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Geico$90
Nationwide$108
USAA$137
American Family$172
Travelers$172
Auto-Owners$184
Farmers$200
State Farm$218
Progressive$238
Allstate$278

Final thoughts: Car insurance cost in Munster, IN

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Munster, IN. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Munster, Indiana.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.