Compare Lucerne, IN Car Insurance Rates (2021)

Car insurance in Lucerne, IN averages $270 a month. Lucerne, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lucerne car insurance rates, compare quotes from the top car insurance companies in Lucerne, IN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Lucerne for teen drivers is USAA
  • Average car insurance rates in Lucerne, IN after a DUI are $3,846/year
  • The cheapest car insurance company in Lucerne is USAA

If you need to buy Lucerne, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Lucerne, IN is right here.

You’ll find Lucerne car insurance rates, the cheapest Lucerne, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Lucerne, Indiana car insurance rates to Indianapolis car insurance rates, Carmel car insurance rates, and Evansville car insurance rates.

Ready to find affordable Lucerne, IN car insurance today? Enter your ZIP code for fast, free Lucerne car insurance quotes.

Cheapest Lucerne, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lucerne, IN car insurance rates? Every Lucerne, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lucerne, Indiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,526 $2,598 $2,204 $2,415 $7,518 $9,454 $2,587 $2,815
American Family $2,207 $2,207 $1,982 $1,982 $6,087 $8,808 $2,207 $2,702
Farmers $1,556 $1,537 $1,331 $1,495 $8,281 $8,823 $2,045 $2,211
GEICO $1,534 $1,521 $1,431 $1,480 $4,461 $4,147 $1,750 $1,547
Liberty Mutual $3,986 $3,986 $3,662 $3,662 $8,754 $13,230 $3,986 $5,473
Nationwide $1,577 $1,616 $1,383 $1,480 $4,523 $5,889 $1,843 $2,018
Progressive $1,585 $1,503 $1,434 $1,445 $9,211 $10,377 $1,985 $2,030
State Farm $1,456 $1,456 $1,292 $1,292 $4,338 $5,566 $1,607 $1,789
Travelers $1,156 $1,177 $1,079 $1,080 $7,018 $11,092 $1,219 $1,420
USAA $1,030 $1,011 $965 $965 $2,940 $3,268 $1,391 $1,478

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Minimum Car Insurance in Lucerne, IN

Every driver must carry the minimum car insurance in Lucerne, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Lucerne, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Lucerne, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lucerne, IN. Compare credit history car insurance rates in Lucerne from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lucerne, Indiana

Insurance Company Poor Fair Good
Allstate $4,991 $3,696 $3,356
American Family $4,820 $3,129 $2,619
Farmers $3,982 $3,244 $3,004
GEICO $2,688 $2,234 $1,780
Liberty Mutual $7,780 $5,064 $4,683
Nationwide $2,892 $2,446 $2,285
Progressive $4,083 $3,608 $3,399
State Farm $3,423 $2,042 $1,583
Travelers $3,514 $2,977 $2,974
USAA $2,185 $1,456 $1,252

Cheapest Lucerne, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lucerne, IN to rates for a clean record with top companies.

Annual Lucerne, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,220 $4,701 $4,325 $3,813
American Family $2,427 $3,874 $4,898 $2,891
Farmers $3,048 $3,561 $3,664 $3,367
GEICO $1,471 $2,307 $3,115 $2,043
Liberty Mutual $4,572 $5,380 $8,386 $5,033
Nationwide $2,185 $2,817 $2,701 $2,461
Progressive $2,772 $4,847 $3,308 $3,858
State Farm $2,296 $2,511 $2,296 $2,296
Travelers $2,681 $3,311 $3,752 $2,876
USAA $1,227 $1,759 $2,018 $1,521

Cheapest Lucerne, IN Car Insurance for Teen Drivers

Teen car insurance in Lucerne, IN can be expensive. Take a look at rates from the top car insurance companies in Lucerne for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lucerne, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,518 $9,454
American Family $6,087 $8,808
Farmers $8,281 $8,823
GEICO $4,461 $4,147
Liberty Mutual $8,754 $13,230
Nationwide $4,523 $5,889
Progressive $9,211 $10,377
State Farm $4,338 $5,566
Travelers $7,018 $11,092
USAA $2,940 $3,268

Cheapest Lucerne, IN Car Insurance for Seniors

Take a look at Lucerne, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lucerne, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,204 $2,415
American Family $1,982 $1,982
Farmers $1,331 $1,495
GEICO $1,431 $1,480
Liberty Mutual $3,662 $3,662
Nationwide $1,383 $1,480
Progressive $1,434 $1,445
State Farm $1,292 $1,292
Travelers $1,079 $1,080
USAA $965 $965

Cheapest Lucerne, IN Car Insurance Rates After a DUI

A DUI in Lucerne, IN increases car insurance rates. Compare Lucerne, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lucerne, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,325
American Family $4,898
Farmers $3,664
GEICO $3,115
Liberty Mutual $8,386
Nationwide $2,701
Progressive $3,308
State Farm $2,296
Travelers $3,752
USAA $2,018

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Cheapest Lucerne, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lucerne, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lucerne, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,015 $4,015
American Family $3,480 $3,566
Farmers $3,410 $3,410
GEICO $2,193 $2,275
Liberty Mutual $5,687 $5,998
Nationwide $2,541 $2,541
Progressive $3,696 $3,696
State Farm $2,283 $2,416
Travelers $3,155 $3,155
USAA $1,610 $1,653

The Best Cheap Car Insurance Companies in Lucerne, IN

Take a look at a side-by-side comparison of the top car insurance companies in Lucerne, IN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lucerne, Indiana

Insurance Company Average Annual Rates
Allstate $4,015
American Family $3,523
Farmers $3,410
GEICO $2,234
Liberty Mutual $5,842
Nationwide $2,541
Progressive $3,696
State Farm $2,349
Travelers $3,155
USAA $1,631

Category Winners: Cheapest Car Insurance in Lucerne, Indiana

Find the cheapest car insurance companies in Lucerne, IN for each category right here.

Best Annual Car Insurance Rates by Company in Lucerne, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Lucerne, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lucerne car insurance rates. Find the cheapest Lucerne, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lucerne, Indiana

Insurance Company Low Medium High
Allstate $3,839 $4,001 $4,204
American Family $3,477 $3,639 $3,452
Farmers $3,293 $3,402 $3,534
GEICO $2,089 $2,228 $2,385
Liberty Mutual $5,656 $5,828 $6,043
Nationwide $2,587 $2,520 $2,516
Progressive $3,488 $3,637 $3,964
State Farm $2,245 $2,348 $2,455
Travelers $3,098 $3,184 $3,183
USAA $1,562 $1,626 $1,705

What affects car insurance rates in Lucerne, Indiana?

What factors can have an impact on Lucerne, IN car insurance? There are several reasons why Lucerne car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lucerne, Indiana.

Traffic in Lucerne

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lucerne, IN traffic data from INRIX ranks Lucerne as the 326th-most congested in the world.

Compare Car Insurance Quotes in Lucerne, IN

Ready to find affordable Lucerne, Indiana car insurance today? Enter your ZIP code for fast, free Lucerne, IN car insurance quotes.

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Average Monthly Car Insurance Rates by State