Cheapest Car Insurance Quotes in Cedar Lake

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Cedar Lake Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cedar Lake

The car insurance rate in Cedar Lake is $884 for a six-month policy, which is $135 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $343, making it a popular choice for budget-conscious drivers. Rates in Cedar Lake can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cedar Lake

$884

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Cedar Lake

1st place: American Family

At $343 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $477 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $484 for six months, making it the third cheapest auto insurance company in Cedar Lake.

Cedar Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cedar Lake, IN is American Family, offering policies at just $343 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $477.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1795 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedar Lake drivers find the best deals.

Cheap Car Insurance Companies in Cedar Lake, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$343	$58
Auto-Owners Insurance Co	$477	$81
Westfield	$484	$80
Nationwide	$603	$101
Hastings Mutual	$673	$113
USAA	$687	$116
Hastings Insurance	$758	$126
Progressive	$799	$135
Travelers	$799	$135
Auto-Owners	$904	$152
Farm Bureau	$1156	$192
State Farm	$1283	$216
Allstate	$1619	$273
Farmers	$1795	$306

Key Takeaways

Way's key takeaways about car insurance in Cedar Lake

The auto insurance costs in Cedar Lake fall around $343 for six months.
The cheapest auto insurance company in Cedar Lake is Westfield.
Teen drivers pay the highest rate in Cedar Lake at $779 per month.

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Cheapest Minimum Liability Car Insurance in Cedar Lake

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cedar Lake are given below.

Westfield provides the cheapest minimum car insurance coverage in Cedar Lake. Their Average 6 Month Premium is $148. Farmers is the most expensive at $644 for the same period.

Cheapest Liability Coverage in Cedar Lake, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$148	$25
American Family	$189	$32
Auto-Owners Insurance Co	$196	$33
USAA	$196	$33
Hastings Mutual	$210	$35
Indiana Farmers	$217	$37
Progressive	$253	$42
Auto-Owners	$260	$44
Grange	$260	$44
Travelers	$274	$46
SafeAuto	$288	$48
Farm Bureau	$350	$60
State Farm	$350	$59
Allstate	$610	$103
Farmers	$644	$107

Cheapest Full Coverage Car Insurance in Cedar Lake

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cedar Lake is American Family at $58 per month and $343 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cedar Lake, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$343	$58
Auto-Owners Insurance Co	$477	$81
Westfield	$484	$80
Nationwide	$603	$101
Hastings Mutual	$673	$113
USAA	$687	$116
Hastings Insurance	$758	$126
Progressive	$799	$135
Travelers	$799	$135
Auto-Owners	$904	$152
Farm Bureau	$1156	$192
State Farm	$1283	$216
Allstate	$1619	$273
Farmers	$1795	$306

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Average Car Insurance in Cedar Lake by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cedar Lake, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Cedar Lake, Indiana, may be increasing due to several external factors. Indiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cedar Lake's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cedar Lake

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$453
40s	USAA	$425
50s	USAA	$402
60s	USAA	$419
70s	Buckeye Insurance Group	$447

Cheapest Car Insurance Rates for Teen Drivers in Cedar Lake,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cedar Lake at $30 per month. At $4577 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$176	$30
American Family	$196	$33
Auto-Owners Insurance Co	$253	$42
Grange	$274	$46
USAA	$771	$130
Travelers	$995	$168
Progressive	$1080	$182
Auto-Owners	$2649	$451
Allstate	$3455	$576
State Farm	$3659	$622
Farm Bureau	$4072	$679
Farmers	$4577	$779

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Cedar Lake.

As young drivers face the highest rates in Cedar Lake, USAA offers the cheapest auto insurance rates at $453 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cedar Lake, Westfield is the cheapest car insurance provider. At $281 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cedar Lake is State Farm, offering rates of around $5243 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$281	$47
American Family	$294	$50
Nationwide	$329	$55
Grange	$350	$59
Progressive	$897	$151
Travelers	$904	$152
USAA	$1051	$179
Allstate	$1402	$236
Farm Bureau	$2369	$402
Auto-Owners	$2930	$489
Farmers	$2930	$498
State Farm	$5243	$874

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Car Insurance Rates with An Accident in Cedar Lake

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cedar Lake, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Lake

The cheapest car insurance companies after an at-fault accident in Cedar Lake include American Family and AutoOwners Insurance Co, offering $238 and $274, respectively. Allstate is an expensive provider with an average six-month premium of $2895.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$238	$40
Auto-Owners Insurance Co	$274	$46
Indiana Farmers	$281	$47
Grange	$308	$52
USAA	$539	$91
Travelers	$624	$105
Auto-Owners	$651	$110
Progressive	$666	$112
State Farm	$911	$153
Farmers	$1430	$241
Farm Bureau	$1717	$287
Allstate	$2895	$492

Cedar Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cedar Lake IN. For example, the car insurance in Cedar Lake after a DUI increases to $889 for a six month policy. While the rate increases by $217 for a six-month policy in the case of a speeding ticket.

Cedar Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$968	$162
One Med/PIP claim	$968	$164
Not-at-fault accident	$1023	$171
Two Med/PIP claims	$1037	$176
One comp claim	$1044	$175
Failure to show documents	$1094	$186
Failure to wear a seat belt	$1101	$183
Two comp claims	$1108	$189
Child safety restraint	$1121	$186
Driving without lights	$1121	$191
Driving with expired registration	$1163	$194
Speeding 6 - 10 MPH over limit	$1185	$202
Driving too slowly	$1192	$198
Failure to yield	$1192	$203
Following too closely	$1192	$198
Illegal turn	$1192	$203
Speeding in school zone	$1192	$198
Cell phone violation	$1199	$204
Speeding 11 - 15 MPH over limit	$1199	$199
Texting while driving	$1199	$204
Wrong way/wrong lane	$1199	$199
Failure to stop at a red light	$1206	$205
Improper passing	$1213	$202
Speeding 16 - 20 MPH over limit	$1213	$207
At-fault accident - less than $1000	$1227	$204
Passing school bus	$1247	$212
Speeding 21 - 25 MPH over limit	$1311	$218
At-fault accident - $1000-$2000	$1352	$230
In 65 MPH zone	$1374	$229
At-fault accident - greater than $2000	$1381	$235
Operating a vehicle without permission	$1479	$247
Open container	$1493	$254
Racing	$1815	$302
Reckless driving	$1822	$310
Refusal to submit to a chemical test	$1843	$307
DUI	$1857	$316
Leaving scene of an accident/hit and run	$1893	$315
Driving with a suspended license	$1907	$325

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cedar Lake after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cedar Lake.

The cheapest car insurance premiums in Cedar Lake are offered by American Family at $238 for a six-month policy. However, it can be as expensive as $3217 with companies like Farmers.

Cedar Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$238	$40
Grange	$434	$74
Travelers	$658	$111
Progressive	$666	$112
USAA	$813	$137
Farm Bureau	$1352	$228
State Farm	$1366	$230
Allstate	$1493	$251
Auto-Owners	$2060	$347
Hastings Mutual	$2215	$376
Farmers	$3217	$536

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cedar Lake are offered by Westfield at $182. However, it can be as expensive as $2257 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cedar Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$182	$31
American Family	$238	$40
Auto-Owners Insurance Co	$253	$42
Travelers	$708	$119
Progressive	$722	$122
USAA	$722	$120
State Farm	$771	$130
Auto-Owners	$1044	$175
Farm Bureau	$1388	$236
Farmers	$2229	$372
Allstate	$2257	$384

Car Insurance Price Trends in Cedar Lake, Indiana

Car insurance rates in Cedar Lake have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cedar Lake rose by $184 in January compared to $158 of December. In other words, there has been an increase by $26 when you compare January and December.

The average cost of liability insurance in the Cedar Lake rose to $48 in January, compared to $46 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cedar Lake?

The car insurance in Cedar Lake is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Cedar Lake?

The cheapest car insurance in Cedar Lake is $58 per month for full coverage.

How much is car insurance in Cedar Lake for teenagers?

Car insurance for teenagers costs $176 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cedar Lake?

The average cost of car insurance is $749 for a six-month policy. It will cost around $149 per month to insure your car in Cedar Lake.

Is car insurance expensive in Cedar Lake?

Car insurance can be expensive in Cedar Lake if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cedar Lake can be affordable.

Cheapest Car Insurance Quotes in Cedar Lake

Why you can trust Way?

How Much Is Car Insurance in Cedar Lake

Avg. Car Insurance in Cedar Lake

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Cedar Lake

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Cedar Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Cedar Lake, IN

Way's key takeaways about car insurance in Cedar Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cedar Lake

Cheapest Liability Coverage in Cedar Lake, IN

Cheapest Full Coverage Car Insurance in Cedar Lake

Cheapest Full Coverage Car Insurance Quotes in Cedar Lake, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cedar Lake by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cedar Lake, IN increasing?

Car Insurance Premiums by Age in Cedar Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cedar Lake,IN

If you are in your twenties USAA is the best choice for car insurance in Cedar Lake.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Cedar Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Lake

Cedar Lake Car Insurance Rates by Violation

Cedar Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cedar Lake after a DUI

Cedar Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cedar Lake after Speeding ticket

Car Insurance Price Trends in Cedar Lake, Indiana

Average Car Insurance Cost in Cedar Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cedar Lake, IN

Car Insurance Rates by State in the USA (2025 Update)

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