Car Insurance in Gary, Indiana

Protect your vehicle and passengers with quality car insurance in Gary, Indiana.
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Getting Around in Gary

Gary, Indiana has been through some tough times over the past few decades but is remarkable for the resilience it shares with its residents. Once known as "The Magic City," the area is famous for its role in The Music Man and for being the home of the Jackson Five. In the 1950s, the city was home to more than 200,000 people, but the steady decline of the manufacturing industry took its toll over the ensuing decades. Today, the area has a population of under 70,000.

As the population decreased and work options dried up, crime rates rose drastically. In the mid-1990s, Gary had the highest number of murders per capita in the nation. The area is also dangerous for drivers, with the car accident and fatality rate per 100,000 people exceeding the state average. While Gary offers a bus line and train, the majority of residents rely on their personal vehicles to commute and travel around town.

With a location near Lake Michigan, Gary experiences all four seasons, with warm, wet summers and freezing winters. In January, the temperatures rarely go above freezing, with an average high of 34 degrees. The area has also logged 19 natural disasters, more than the U.S. average of 15. Residents of Gary should take steps to protect their vehicles from the negative impacts of inclement weather with a reliable car insurance policy. VIU by HUB enables consumers to compare quotes from a variety of local providers.

Cost of Car Insurance in Gary, Indiana

The average cost of a car insurance policy in Gary is approximately $111, which is around 25% higher than the state average. However, it is also 29% lower than the national average. There are a variety of factors at play behind these high rates.

Escalated Crime Rates

Insurance rates in Gary are heavily impacted by the high crime rates in the area. With a total crime index of 8 on a scale where 100 is safest, residents have a 30% chance of experiencing crime against their property. That is nearly double the state average. This high risk translates to insurance premiums, causing higher rates on car insurance in Gary, Indiana.

Weather Issues

Gary's geographic location raises the potential for severe winter weather and numerous forms of natural disasters. Snow and ice can accelerate the deterioration of the road systems, creating more potential for costly accidents. Inclement weather also creates hazardous driving conditions, which raises the insurance risk level and increases premiums.

Legal Requirements for Car Insurance in Gary, Indiana

Drivers in Indiana are legally obligated to maintain a minimum level of liability coverage. The state has a 25/50/25 requirement that specifies the amount of coverage mandated to legally operate a motor vehicle.

  • $25,000 of bodily injury coverage for one individual
  • $50,000 of bodily injury coverage for two individuals in a single accident
  • $25,000 of property damage coverage for a single accident

Verification of insurance coverage occurs when a driver is involved in an accident, receives a moving violation citation or commits a violation after a suspended license.

Residents should consider comprehensive car insurance in Gary, Indiana to protect against their own personal injuries, damage to their personal property and damage or injuries caused to others regardless of fault. VIU by HUB can assist in finding an affordable, reliable policy by enabling quote comparisons from a variety of providers in the area.

This information is intended for general informational purposes only and is not intended to constitute legal advice.




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