Best Cheap Auto Insurance Quotes for Teenage Males in Indiana

The words “economical” and “insurance” probably shouldn’t be used together, specifically when searching for the best insurance rates for teenage males. Let’s lead off by showing you some of the things the can have a considerable influence on insurance rates, and come up with some ways to cut the cost of your next policy.

The make and model of vehicle you are trying to insure is one of the largest factors when looking for the most affordable insurance for teenage males. Vehicles with limited speed and performance, good safety features, or a low likelihood of liability claims will cost much less to insure than high performance models. The next lists showcases auto insurance rates for a selection of the most budget-friendly automobiles to insure.

Prices based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific location information which can change coverage prices noticeably.

Price data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in zip code location which can decrease or increase prices substantially.

Data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific zip code location which can change coverage prices significantly.

When buying insurance for teen boys, one of the key things used to determine insurance cost is where your residence is in Indiana. Regions with more people or even just more weather-related claims like Gary, Portage, and Indianapolis are more likely to pay higher prices, whereas areas that are not as densely populated have the gratification of the best cheap car insurance for teenage males in Indiana.

The next table rates the most expensive places in Indiana for teenage males to purchase auto insurance in.

Information shown are comparative as vehicle location can affect premium rates substantially.

Finding cheap insurance is not the easiest thing to accomplish, and determining which insurers offer the cheapest car insurance rates for teenage males may require a little more work. Insurance rates will probably be quite a bit pricier than the state average, with the extra cost attributed to the posibility of more claims that comes with offering coverage for teen boys, but competitive coverage should be possible if you do a thorough comparison. Each insurer uses their own formula for determining prices, so we need to take a look at the most budget-friendly car insurance companies in Indiana.

It’s a good idea to be aware that Indiana car insurance rates are calculated based on many things that control the policy premium. Turning one year older, buying a different vehicle, or getting a reckless driving citation may generate price changes that can cause some rates to be cheaper than competitors.

Cheap Insurance Rates for Teens

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Travelers generally has some of the best car insurance rates in Indiana at around $596 annually. Cincinnati Insurance, USAA, Erie, and Western Reserve also qualify as some of the lowest-priced Indiana car insurance companies.

As illustrated above, if you are a policyholder with Erie and switched to Cincinnati Insurance, you might realize yearly savings of about $62. Insureds with Western Reserve could save as much as $174 a year, and Indiana Farmers Mutual customers might realize rate reductions of up to $177 a year.

Bear in mind that those policy rates are averaged for all insureds and vehicles and are not factoring in a price surcharge for teenage males. So the auto insurance company that has the lowest price for you may not even be included in the chart above. That illustrates why you need to compare rates from multiple companies using your own driver data and vehicle information.

Ending up with the right auto insurance provider is difficult considering how many companies there are in Indiana. The company rank data shown below can help you select which auto insurance companies you want to consider shopping your coverage with. These ratings are only comprised of companies that write coverage in many states, so companies with more of a regional focus will not be included in these rankings.

Top 10 Major Car Insurance Companies in Indiana Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top 10 Major Car Insurance Companies Overall in Indiana

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Careless drivers pay higher rates

The common sense way to score the most affordable car insurance rates in Indiana for teen boys is to drive safely and not get tickets or have accidents. The illustration below shows how violations and at-fault collisions increase car insurance costs for different age groups. The data is based on a single female driver, full coverage, $250 deductibles, and no discounts are applied.

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In the chart above, the average cost of car insurance in Indiana per year with a clean driving record and no accidents is $1,405. Get one speeding ticket and the average cost hikes up to $1,592, an increase of $186 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for teenage males increases to an average of $3,203. That’s an increase of $1,798, or $150 per month, just for not driving responsibly!