Compare Lawrence, IN Car Insurance Rates (2021)

The cheapest Lawrence, IN car insurance is offered by USAA and GEICO. You can expect to pay around $217/mo, but rates vary by driver based on age, driving record, and ZIP code. Auto insurance in Lawrence, IN must meet the state requirements of 25/50/25 in liability coverage and 25/50 in uninsured/underinsured motorist coverage.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: May 21, 2021

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Here's what you need to know...

  • GEICO offers the cheapest car insurance on average in Lawrence, IN
  • Car insurance in Lawrence is cheaper than the national average
  • Lawrence shares heavy traffic and car insurance rates with Indianapolis

Lawrence, IN car insurance is not that expensive. This isn’t surprising since Indiana car insurance rates, in general, are cheaper than the national average.

Even if average rates are low, you still want to find the most affordable Lawrence, IN car insurance out there. Shop around and compare rates from multiple companies to see which one can offer you cheap car insurance that fits your needs.

Enter your ZIP code now to compare Lawrence, IN car insurance quotes near you for free.

What is the cheapest car insurance company in Lawrence, IN?

As part of the larger Indianapolis area, the cheapest Lawrence, IN car insurance company is USAA. However, the company only offers coverage to members of the military, veterans, and their families. The cheapest company that offers coverage to all Lawrence drivers is GEICO.

The top Lawrence, IN auto insurance companies listed from cheapest to most expensive are:

  • USAA – $1,837.91
  • GEICO – $2,604.98
  • State Farm – $2,674.64
  • Nationwide – $3,126.51
  • Farmers – $3,295.05
  • Travelers – $3,727.95
  • American Family – $4,062.05
  • Allstate – $4,263.87
  • Progressive – $4,316.55
  • Liberty Mutual – $6,140.11

Your car insurance rates are affected by many different factors, such as your age and driving record. Where you live also affects your rates. Larger cities with more crime and traffic will pay more for car insurance. For example, Indianapolis car insurance is more expensive than coverage in a smaller town.

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What car insurance coverage is required in Lawrence, IN?

Most states, including Indiana, require drivers to carry at least a minimum amount of car insurance. Drivers in Indiana must carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

What affects car insurance rates in Lawrence, IN?

Traffic can also increase your car insurance rates. More cars on the road mean a greater chance of being in an accident.

Although INRIX doesn’t have data for Lawrence, IN, it does list Indianapolis as the 79th most congested city in the U.S.

City-Data reports that most Lawrence drivers commute around 25 minutes and prefer to drive alone.

Theft is another factor that can raise your auto insurance rates. According to the FBI, there were 4,904 motor vehicle thefts in nearby Indianapolis, IN in one year. Data for Lawrence was not listed.

Lawrence, IN Car Insurance: The Bottom Line

Indiana car insurance is pretty inexpensive, but you still need to shop around before you buy Lawrence, IN car insurance. Compare quotes from several different companies to find your best deal.

Enter your ZIP code now to compare Lawrence, IN car insurance rates from multiple companies near you.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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