Gary, IN Car Insurance

On average, Gary drivers pay around $59 a month for their car insurance. For more information refer to our guide below.
What can Gary residents expect to pay for their car insurance? How do rates in Gary measure up compared to neighboring areas, including Indiana as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Gary?

Area Average Monthly Car Insurance Premium
Gary$59
IN$51
United States$80

Based on the information in the chart above, you can see that on average, it's about $8 a month more expensive to insure your vehicle in Gary than it is in the rest of Indiana.

If you're thinking of moving to Gary from out of state, you may still be in luck. Car insurance rates for the United States as a whole are, on average, $21 more expensive than the rates you'd pay in Gary.

Bear in mind that while these rates represent the expected monthly payments for Gary residents, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've done the heavy lifting for you and broken down the average rate for Gary so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$90
25-34$67
35-44$50
45-54Not Enough Data
55-64$45
65+$51

The older you are, the more experience you're likely to have behind the wheel, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay $39 more than someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement age, your rates may begin to increase again in Gary.

Average Car Insurance Rates by Gender

Gender Average
Male$61
Female$58

Female drivers pay, on average, slightly less than their male counterparts. In Gary, however, the difference in monthly rates for car insurance is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$69
Multiple Accidents$68
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay less than those with infractions. In Gary, drivers with one accident on their record will experience rates around $69 a month.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$42
2-3 Years$59
4-5 Years$56
6-7 Years$65
8-10 Years$62
11-14 Years$60
15 Years or Older$57

As you can see in the first table above, the cheapest vehicles to insure in Gary are by and large trucks and vans, which run about $53 per month.

Car owners can expect to pay an average of around $59 a month for their policy, while SUVs usually cost around $64 a month to insure.

Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Gary, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$61
Married$54
Divorced$53
Widowed$40

More often than not, those who are currently married will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Gary is no exception, with the difference totaling to around $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$54
Rent$62
Live with parents$73

Another factor that comes into play is your living accommodations. Renters can expect to pay around $8 a month more than drivers who own property in Gary. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Gary, IN

Recent trends in car insurance for Gary drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

In Gary, the rates for car insurance had been decreasing from 2016-2017, before steadying out in 2018. Car insurance rates finished down in 2021, at $58 per month

How does Gary compare to neighboring areas?

Why are car insurance rates in Gary different from other areas?

Car insurance companies take in a variety of factors when choosing how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Off-street parking availability
  • Total amount of drivers in the area
  • Road safety
  • Community regulations
  • Regional crime rates

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Gary?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Gary.

Compare the cheapest quotes from dozens of insurance companies

Gary Insurance FAQs

What factors affect car insurance quotes in Gary?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Gary different from other neighboring cities?

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Gary?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Gary?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Gary or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes