Average car insurance cost in Dyer

The average car insurance rate in Dyer for full coverage is $1,610 per year or $134 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Dyer is $488 per year. The state minimum liability limits are 25/50/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$805
Average annual premium$1,610
State minimum premium$488

Cheapest car insurance companies in Dyer

GEICO offers the cheapest rates on average at $1,112 per year. Auto-Owners is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Dyer.

CompanyAverage 6 month rateAverage annual rate
GEICO$556$1,112
Auto-Owners$616$1,231
Nationwide$647$1,294
Travelers$650$1,299
Indiana Farmers Insurance$742$1,484
Progressive$762$1,525
State Farm$853$1,706
Farmers$1,110$2,220
Allstate$1,228$2,456
Indiana Farm Bureau$1,289$2,578
USAA$401$802

Cheapest car insurance cost in Dyer by age group

Car insurance rates in Dyer vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Dyer by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Indiana Farmers Insurance
  • Cheapest for young adults: GEICO
  • Cheapest for adults: GEICO
  • Cheapest for seniors: GEICO

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Indiana Farmers Insurance offers the cheapest car insurance for teens at $2,998 per year.

GEICO offers the most affordable auto insurance for young adults at $1,702 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. GEICO provides the lowest car insurance rates at $1,114 per year for adult drivers in Dyer.

GEICO offers the least expensive car insurance for senior drivers in Dyer, at $1,031 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
GEICO$4,323$1,702$1,114$1,031
Auto-Owners$3,754$2,122$1,244$1,303
Nationwide$4,921$2,276$1,284$1,206
Travelers$4,493$2,111$1,331$1,348
Indiana Farmers Insurance$2,998$2,248$1,518$1,602
Progressive$4,956$2,643$1,542$1,616
State Farm$5,230$2,945$1,721$1,674
Farmers$9,353$3,727$2,104$2,232
Indiana Farm Bureau$7,520$4,508$2,439$2,384
Allstate$6,228$3,631$2,520$2,432
USAA$2,207$1,220$814$861

Cheapest car insurance companies in Dyer by driver profile

Car insurance rates in Dyer vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Dyer by driver profile.

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Dyer pay about $1,632 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Dyer.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$816$1,632
GEICO$855$1,709
Travelers$1,061$2,122
Progressive$1,274$2,548
Allstate$1,742$3,483
Auto-Owners$1,742$3,484
Farmers$2,388$4,775
State Farm$3,773$7,545
USAA$809$1,617

Cheapest auto insurance after an at-fault accident: Auto-Owners

In Dyer, Auto-Owners offers the cheapest car insurance for drivers with at-fault accident at $1,589 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Dyer.

CompanyAverage 6 month premiumAverage annual premium
Auto-Owners$795$1,589
Travelers$932$1,864
State Farm$1,037$2,074
Nationwide$1,059$2,117
GEICO$1,286$2,572
Progressive$1,501$3,002
Allstate$1,966$3,931
Farmers$2,076$4,151
USAA$608$1,215

Cheapest auto insurance after a DUI: Progressive

Progressive offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $1,881 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Dyer.

CompanyAverage 6 month premiumAverage annual premium
Progressive$941$1,881
Travelers$1,002$2,004
State Farm$1,066$2,131
GEICO$1,345$2,689
Nationwide$1,361$2,721
Auto-Owners$1,555$3,109
Allstate$1,572$3,143
Farmers$2,246$4,491
USAA$629$1,257

Cheapest for drivers with a speeding ticket: State Farm

State Farm offers the cheapest car insurance at $1,847 in Dyer for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
State Farm$924$1,847
Travelers$960$1,919
Nationwide$1,022$2,044
Auto-Owners$1,038$2,076
Progressive$1,183$2,365
GEICO$1,295$2,589
Allstate$1,567$3,134
Farmers$1,683$3,366
USAA$506$1,012

Car insurance discounts for Dyer drivers

The biggest car insurance discount available in Dyer is for the years licensed category at 53.15%, offered by American Family.

Car insurance is essential for drivers in Dyer, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Dyer drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$2,9480.31%$9
Air BagsAuto-Owners$1,5250.36%$6
Air BagsGEICO$1,3040.31%$4
Air BagsIndiana Farm Bureau Grp$2,3191.72%$40
Air BagsNationwide$1,2350.57%$7
Anti-Theft DeviceAuto-Owners$1,5251.57%$24
Anti-Theft DeviceGEICO$1,3041.08%$14
Daily CommuteAuto-Owners$1,5257.45%$114
Days Advanced PurchaseAllstate$2,9488.82%$260
Days Advanced PurchaseAmerican Family$1,4257.93%$113
Days Advanced PurchaseAuto-Owners$1,5256.04%$92
Days Advanced PurchaseFarmers$1,9084.40%$84
Days Advanced PurchaseIndiana Farm Bureau Grp$2,3194.96%$115
Days Advanced PurchaseIndiana Farmers$1,1944.69%$56
Days Advanced PurchaseNationwide$1,23514.17%$175
Days Advanced PurchaseProgressive$1,5793.17%$50
Days Advanced PurchaseTravelers$1,3615.51%$75
EducationGEICO$1,30412.96%$169
EducationProgressive$1,5793.29%$52
Electronic Funds TransferAllstate$2,9485.29%$156
Electronic Funds TransferAmerican Family$1,4255.54%$79
Electronic Funds TransferFarmers$1,9082.62%$50
Electronic Funds TransferIndiana Farmers$1,1944.02%$48
Electronic Funds TransferNationwide$1,2352.43%$30
Electronic Funds TransferTravelers$1,3613.82%$52
Electronic SignatureProgressive$1,5799.94%$157
HomeownerAllstate$2,9482.71%$80
HomeownerAmerican Family$1,4253.93%$56
HomeownerAuto-Owners$1,5257.02%$107
HomeownerFarmers$1,9083.77%$72
HomeownerGEICO$1,3048.90%$116
HomeownerProgressive$1,5792.22%$35
HomeownerSafe Auto Insurance$2,5443.62%$92
Lower Annual MileageAmerican Family$1,4253.68%$53
Lower Annual MileageAuto-Owners$1,5254.79%$73
Lower Annual MileageGEICO$1,3043.62%$47
Lower Annual MileageIndiana Farmers$1,1941.38%$17
Lower Annual MileageProgressive$1,5792.63%$42
Lower Annual MileageState Farm$1,1509.74%$112
Lower Annual MileageTravelers$1,3616.65%$91
Loyalty - Years Renewal With CompanyFarmers$1,9080.79%$15
Loyalty - Years Renewal With CompanyIndiana Farm Bureau Grp$2,3199.27%$215
Loyalty - Years Renewal With CompanyIndiana Farmers$1,19412.88%$154
Loyalty - Years Renewal With CompanyProgressive$1,5796.71%$106
Loyalty - Years Renewal With CompanySafe Auto Insurance$2,5443.42%$87
Loyalty - Years Renewal With CompanyState Farm$1,1509.25%$106
Marital StatusAmerican Family$1,42510.95%$156
Marital StatusFarmers$1,9087.49%$143
Marital StatusIndiana Farmers$1,19410.72%$128
Marital StatusNationwide$1,2358.34%$103
Marital StatusProgressive$1,57910.39%$164
Marital StatusSafe Auto Insurance$2,54419.03%$484
Multi PolicyAllstate$2,9488.79%$259
Multi PolicyAmerican Family$1,4259.99%$142
Multi PolicyAuto-Owners$1,5258.25%$126
Multi PolicyFarmers$1,9085.80%$111
Multi PolicyGEICO$1,3049.53%$124
Multi PolicyIndiana Farm Bureau Grp$2,31914.26%$331
Multi PolicyIndiana Farmers$1,1949.97%$119
Multi PolicyNationwide$1,2356.93%$86
Multi PolicyProgressive$1,57910.11%$160
Multi PolicySafe Auto Insurance$2,5443.62%$92
Multi PolicyState Farm$1,15010.68%$123
Multi PolicyTravelers$1,3617.09%$97
Paperless/Electornic DocumentsAllstate$2,9487.06%$208
Paperless/Electornic DocumentsAmerican Family$1,4255.54%$79
Paperless/Electornic DocumentsIndiana Farm Bureau Grp$2,3195.09%$118
Paperless/Electornic DocumentsNationwide$1,2353.97%$49
Paperless/Electornic DocumentsProgressive$1,5790.82%$13
Payment TypeAllstate$2,94813.53%$399
Payment TypeAmerican Family$1,4259.96%$142
Payment TypeAuto-Owners$1,52515.02%$229
Payment TypeFarmers$1,9082.62%$50
Payment TypeIndiana Farm Bureau Grp$2,3195.09%$118
Payment TypeSafe Auto Insurance$2,5444.87%$124
Payment TypeTravelers$1,3618.89%$121
Primary UseAllstate$2,9487.60%$224
Primary UseAmerican Family$1,4251.54%$22
Primary UseAuto-Owners$1,52513.38%$204
Primary UseIndiana Farm Bureau Grp$2,31914.60%$339
Primary UseIndiana Farmers$1,19411.14%$133
Primary UseNationwide$1,2357.85%$97
Primary UseProgressive$1,5791.33%$21
Primary UseState Farm$1,15011.65%$134
Primary UseTravelers$1,3613.75%$51
ProfessionGEICO$1,3047.15%$93
ProfessionProgressive$1,57916.48%$260
Safety DevicesAllstate$2,9487.60%$224
Safety DevicesAmerican Family$1,4252.32%$33
Safety DevicesAuto-Owners$1,5253.54%$54
Safety DevicesGEICO$1,3041.84%$24
Safety DevicesIndiana Farm Bureau Grp$2,3191.51%$35
TelematicsAllstate$2,9488.82%$260
TelematicsNationwide$1,23510.04%$124
TelematicsProgressive$1,5799.94%$157
TelematicsState Farm$1,15015.04%$173
Years InsuredAllstate$3,5647.00%$250
Years InsuredAmerican Family$1,68512.70%$214
Years InsuredAuto-Owners$1,94021.39%$415
Years InsuredGEICO$1,95513.84%$271
Years InsuredNationwide$1,5689.60%$151
Years InsuredProgressive$1,95210.01%$195
Years InsuredSafe Auto Insurance$2,5941.93%$50
Years InsuredTravelers$2,47235.84%$886
Years LicensedAmerican Family$3,76053.15%$1,999
Years LicensedGEICO$2,93127.66%$811
Years LicensedIndiana Farm Bureau Grp$3,15426.47%$835
Years LicensedIndiana Farmers$1,47115.64%$230
Years LicensedNationwide$1,97520.61%$407
Years LicensedProgressive$2,69424.91%$671
Years LicensedSafe Auto Insurance$2,98213.01%$388
Years LicensedState Farm$1,43917.56%$253
Years LicensedTravelers$4,14036.18%$1,498

How to get cheap car insurance in Dyer in 2025

Find affordable car insurance in Dyer by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Dyer.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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