How Much Does Auto Insurance Cost in Hammond, Indiana?
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 15
- 2 min read
If you're curious about auto insurance costs in Hammond, Indiana, you're in the right place. Whether you're seeking full coverage for peace of mind or liability-only for affordability, understanding local premiums can help you make an informed decision and potentially save money.
Average Rates in Hammond
Full Coverage in Hammond averages around $2,362 per year, or approximately $197 per month, which is $282 above the Indiana state average.
Another benchmark shows Hammond drivers pay about $119.47 monthly, compared to the Indiana average of $98.75 and the national average of $169.67.
Rates vary, liability-only insurance can be as low as $32/month, while high-risk drivers may face rates up to $691/month.
What Shows Up on the Bill
Coverage Type | Avg Annual Cost | Avg Monthly Cost |
Full Coverage | $2,362 | ~$197 |
Liability-Only | Varies | $32 to $119 (avg) |
Factors Influencing Your Premium
Coverage Type: Full policies cost significantly more than minimum coverage.
Driver Profile: Age, driving record, and credit, especially young or high-risk drivers, greatly impact premiums.
Location: Hammond's ZIP code contributes to higher rates compared to other parts of Indiana.
Vehicle Details: Model, age, safety features, and theft-risk influence pricing.
Insurance Provider: Companies like Clearcover ($52.59/month), SafeAuto ($69.97), and Dairyland ($88) stand out in Hammond.
Tips to Lower Your Costs
Compare Multiple Quotes: Rates swing widely between insurers, even a few dollars per month adds up.
Bundle Policies: Combining auto with home/renters insurance often yields deep discounts.
Maximize Discounts: Ask about multi-driver, good student, anti-theft, and low-mileage savings.
Increase Deductibles: Higher deductibles can slash premiums, just ensure it’s affordable if you file a claim.
Why Choose Wexford Insurance?
At Wexford Insurance, we help Hammond drivers cut through confusing rates and find competitive coverage tailored to your life. Our local agents compare policies across trusted carriers, often uncovering better deals than national comparisons.
ensure you get the best value.
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