Compare Winona Lake, IN Car Insurance Rates (2021)

Car insurance in Winona Lake, IN averages $261 a month. Winona Lake, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Winona Lake car insurance rates, compare quotes from the top car insurance companies in Winona Lake, 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

  • Average car insurance rates in Winona Lake, IN are $3,129/year
  • The cheapest car insurance company in Winona Lake is USAA
  • The cheapest car insurance company in Winona Lake for teen drivers is USAA

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

You’ll find Winona Lake car insurance rates, the cheapest Winona Lake, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Winona Lake, Indiana car insurance rates to South Bend car insurance rates, Indianapolis car insurance rates, and Hammond car insurance rates.

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

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

How do age, gender, and marital status affect Winona Lake, IN car insurance rates? Every Winona Lake, 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 Winona Lake, 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 $2,258 $2,316 $1,982 $2,171 $6,807 $8,592 $2,295 $2,492
American Family $2,109 $2,109 $1,897 $1,897 $5,778 $8,378 $2,109 $2,606
Farmers $1,633 $1,612 $1,396 $1,567 $8,744 $9,320 $2,150 $2,326
GEICO $1,369 $1,360 $1,284 $1,329 $3,993 $3,708 $1,563 $1,378
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,630 $1,668 $1,428 $1,526 $4,739 $6,162 $1,910 $2,091
Progressive $1,529 $1,447 $1,384 $1,396 $8,823 $9,901 $1,907 $1,942
State Farm $1,315 $1,315 $1,169 $1,169 $3,928 $5,043 $1,453 $1,612
Travelers $1,156 $1,177 $1,080 $1,083 $7,202 $11,476 $1,220 $1,410
USAA $1,016 $1,004 $940 $954 $2,764 $3,105 $1,376 $1,482

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Minimum Car Insurance in Winona Lake, IN

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

Minimum Required Car Insurance Coverage in Winona Lake, 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 Winona Lake, IN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Winona Lake, Indiana

Insurance Company Poor Fair Good
Allstate $4,481 $3,331 $3,031
American Family $4,594 $2,986 $2,501
Farmers $4,194 $3,419 $3,167
GEICO $2,401 $1,998 $1,595
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $3,010 $2,544 $2,379
Progressive $3,910 $3,456 $3,257
State Farm $3,096 $1,847 $1,433
Travelers $3,589 $3,044 $3,043
USAA $2,134 $1,404 $1,202

Cheapest Winona Lake, 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 Winona Lake, IN to rates for a clean record with top companies.

Annual Winona Lake, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,898 $4,237 $3,894 $3,428
American Family $2,315 $3,701 $4,670 $2,757
Farmers $3,214 $3,750 $3,861 $3,549
GEICO $1,314 $2,066 $2,791 $1,820
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $2,273 $2,932 $2,811 $2,561
Progressive $2,662 $4,639 $3,172 $3,692
State Farm $2,076 $2,273 $2,076 $2,076
Travelers $2,744 $3,383 $3,832 $2,943
USAA $1,198 $1,696 $1,944 $1,483

Cheapest Winona Lake, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Winona Lake, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,807 $8,592
American Family $5,778 $8,378
Farmers $8,744 $9,320
GEICO $3,993 $3,708
Liberty Mutual $8,383 $12,656
Nationwide $4,739 $6,162
Progressive $8,823 $9,901
State Farm $3,928 $5,043
Travelers $7,202 $11,476
USAA $2,764 $3,105

Cheapest Winona Lake, IN Car Insurance for Seniors

Take a look at Winona Lake, 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 Winona Lake, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,982 $2,171
American Family $1,897 $1,897
Farmers $1,396 $1,567
GEICO $1,284 $1,329
Liberty Mutual $3,522 $3,522
Nationwide $1,428 $1,526
Progressive $1,384 $1,396
State Farm $1,169 $1,169
Travelers $1,080 $1,083
USAA $940 $954

Cheapest Winona Lake, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Winona Lake, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,894
American Family $4,670
Farmers $3,861
GEICO $2,791
Liberty Mutual $8,085
Nationwide $2,811
Progressive $3,172
State Farm $2,076
Travelers $3,832
USAA $1,944

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Cheapest Winona Lake, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Winona Lake, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,614 $3,614
American Family $3,320 $3,401
Farmers $3,594 $3,594
GEICO $1,963 $2,033
Liberty Mutual $5,455 $5,752
Nationwide $2,644 $2,644
Progressive $3,541 $3,541
State Farm $2,064 $2,186
Travelers $3,225 $3,225
USAA $1,559 $1,601

The Best Cheap Car Insurance Companies in Winona Lake, IN

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

Average Annual Car Insurance Rates by Company in Winona Lake, Indiana

Insurance Company Average Annual Rates
Allstate $3,614
American Family $3,361
Farmers $3,594
GEICO $1,998
Liberty Mutual $5,604
Nationwide $2,644
Progressive $3,541
State Farm $2,125
Travelers $3,225
USAA $1,580

Category Winners: Cheapest Car Insurance in Winona Lake, Indiana

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

Best Annual Car Insurance Rates by Company in Winona Lake, 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 Winona Lake, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Winona Lake, Indiana

Insurance Company Low Medium High
Allstate $3,438 $3,600 $3,804
American Family $3,333 $3,473 $3,277
Farmers $3,469 $3,587 $3,725
GEICO $1,869 $1,992 $2,132
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $2,690 $2,623 $2,619
Progressive $3,346 $3,486 $3,792
State Farm $2,023 $2,124 $2,229
Travelers $3,148 $3,256 $3,273
USAA $1,526 $1,576 $1,638

What affects car insurance rates in Winona Lake, Indiana?

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

Commute Time in Winona Lake

The more time you spend in your car the higher the risk of an accident. The average commute length in Winona Lake, IN is 14.6 minutes according to City-Data.

Compare Car Insurance Quotes in Winona Lake, IN

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

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Average Monthly Car Insurance Rates by State