Cheapest Car Insurance Quotes in Heritage Lake

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Heritage Lake Car Insurance

^$ 23

/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 Heritage Lake

The car insurance rate in Heritage Lake is $816 for a six-month policy, which is $67 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $317, making it a popular choice for budget-conscious drivers. Rates in Heritage 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 Heritage Lake

$816

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Heritage Lake

1st place: American Family

At $317 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 $440 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $447 for six months, making it the third cheapest auto insurance company in Heritage Lake.

Heritage Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Heritage Lake, IN is American Family, offering policies at just $317 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $440.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1658 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Heritage Lake drivers find the best deals.

Cheap Car Insurance Companies in Heritage Lake, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$317	$53
Auto-Owners Insurance Co	$440	$75
Westfield	$447	$74
Nationwide	$557	$94
Hastings Mutual	$621	$105
USAA	$634	$107
Hastings Insurance	$700	$117
Progressive	$738	$124
Travelers	$738	$124
Auto-Owners	$835	$141
Farm Bureau	$1068	$178
State Farm	$1185	$199
Allstate	$1495	$252
Farmers	$1658	$282

Key Takeaways

Way's key takeaways about car insurance in Heritage Lake

The auto insurance costs in Heritage Lake fall around $317 for six months.
The cheapest auto insurance company in Heritage Lake is Westfield.
Teen drivers pay the highest rate in Heritage Lake at $719 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Heritage 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 Heritage Lake are given below.

Westfield provides the cheapest minimum car insurance coverage in Heritage Lake. Their Average 6 Month Premium is $136. Farmers is the most expensive at $595 for the same period.

Cheapest Liability Coverage in Heritage Lake, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
American Family	$174	$29
Auto-Owners Insurance Co	$181	$31
USAA	$181	$31
Hastings Mutual	$194	$33
Indiana Farmers	$201	$34
Progressive	$233	$39
Auto-Owners	$240	$40
Grange	$240	$40
Travelers	$253	$43
SafeAuto	$266	$45
Farm Bureau	$324	$56
State Farm	$324	$55
Allstate	$564	$95
Farmers	$595	$99

Cheapest Full Coverage Car Insurance in Heritage 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 Heritage Lake is American Family at $53 per month and $317 for six months.

Cheapest Full Coverage Car Insurance Quotes in Heritage Lake, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$317	$53
Auto-Owners Insurance Co	$440	$75
Westfield	$447	$74
Nationwide	$557	$94
Hastings Mutual	$621	$105
USAA	$634	$107
Hastings Insurance	$700	$117
Progressive	$738	$124
Travelers	$738	$124
Auto-Owners	$835	$141
Farm Bureau	$1068	$178
State Farm	$1185	$199
Allstate	$1495	$252
Farmers	$1658	$282

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Average Car Insurance in Heritage 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 Heritage Lake, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Heritage 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, Heritage 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 Heritage 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	$419
40s	USAA	$392
50s	USAA	$372
60s	USAA	$387
70s	Buckeye Insurance Group	$413

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Heritage Lake at $27 per month. At $4228 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
American Family	$181	$31
Auto-Owners Insurance Co	$233	$39
Grange	$253	$43
USAA	$712	$120
Travelers	$919	$155
Progressive	$997	$168
Auto-Owners	$2447	$416
Allstate	$3192	$532
State Farm	$3380	$574
Farm Bureau	$3762	$627
Farmers	$4228	$719

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 Heritage Lake.

As young drivers face the highest rates in Heritage Lake, USAA offers the cheapest auto insurance rates at $419 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 Heritage Lake, Westfield is the cheapest car insurance provider. At $259 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 Heritage Lake is State Farm, offering rates of around $4843 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$259	$44
American Family	$271	$46
Nationwide	$304	$51
Grange	$324	$55
Progressive	$828	$140
Travelers	$835	$141
USAA	$971	$166
Allstate	$1295	$218
Farm Bureau	$2189	$372
Auto-Owners	$2706	$451
Farmers	$2706	$460
State Farm	$4843	$808

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Save up to $971/yr on car insurance rates in Heritage Lake.

Car Insurance Rates with An Accident in Heritage 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 Heritage Lake, IN, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Heritage Lake include American Family and AutoOwners Insurance Co, offering $220 and $253, respectively. Allstate is an expensive provider with an average six-month premium of $2674.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$220	$37
Auto-Owners Insurance Co	$253	$43
Indiana Farmers	$259	$44
Grange	$284	$48
USAA	$498	$84
Travelers	$577	$97
Auto-Owners	$602	$101
Progressive	$615	$104
State Farm	$841	$142
Farmers	$1321	$222
Farm Bureau	$1586	$265
Allstate	$2674	$455

Heritage Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Heritage Lake IN. For example, the car insurance in Heritage Lake after a DUI increases to $822 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

Heritage Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$894	$149
One Med/PIP claim	$894	$152
Not-at-fault accident	$945	$158
Two Med/PIP claims	$958	$162
One comp claim	$965	$161
Failure to show documents	$1010	$172
Failure to wear a seat belt	$1017	$169
Two comp claims	$1024	$174
Child safety restraint	$1036	$172
Driving without lights	$1036	$177
Driving with expired registration	$1075	$179
Speeding 6 - 10 MPH over limit	$1094	$186
Driving too slowly	$1101	$183
Failure to yield	$1101	$187
Following too closely	$1101	$183
Illegal turn	$1101	$187
Speeding in school zone	$1101	$183
Cell phone violation	$1107	$189
Speeding 11 - 15 MPH over limit	$1107	$184
Texting while driving	$1107	$189
Wrong way/wrong lane	$1107	$184
Failure to stop at a red light	$1114	$190
Improper passing	$1121	$186
Speeding 16 - 20 MPH over limit	$1121	$191
At-fault accident - less than $1000	$1134	$189
Passing school bus	$1152	$196
Speeding 21 - 25 MPH over limit	$1211	$202
At-fault accident - $1000-$2000	$1249	$213
In 65 MPH zone	$1269	$211
At-fault accident - greater than $2000	$1275	$217
Operating a vehicle without permission	$1366	$228
Open container	$1379	$234
Racing	$1676	$279
Reckless driving	$1683	$287
Refusal to submit to a chemical test	$1703	$283
DUI	$1716	$292
Leaving scene of an accident/hit and run	$1748	$291
Driving with a suspended license	$1761	$300

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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 Heritage 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 Heritage Lake.

The cheapest car insurance premiums in Heritage Lake are offered by American Family at $220 for a six-month policy. However, it can be as expensive as $2971 with companies like Farmers.

Heritage Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$220	$37
Grange	$401	$69
Travelers	$608	$102
Progressive	$615	$104
USAA	$751	$126
Farm Bureau	$1249	$210
State Farm	$1262	$213
Allstate	$1379	$232
Auto-Owners	$1903	$320
Hastings Mutual	$2046	$348
Farmers	$2971	$495

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 Heritage Lake are offered by Westfield at $168. However, it can be as expensive as $2085 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Heritage Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$168	$28
American Family	$220	$37
Auto-Owners Insurance Co	$233	$39
Travelers	$654	$110
Progressive	$667	$112
USAA	$667	$111
State Farm	$712	$120
Auto-Owners	$965	$161
Farm Bureau	$1282	$218
Farmers	$2059	$343
Allstate	$2085	$354

Car Insurance Price Trends in Heritage Lake, Indiana

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

The average cost of full coverage in the Heritage Lake rose by $170 in January compared to $146 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the Heritage Lake rose to $45 in January, compared to $43 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 Heritage Lake?

The car insurance in Heritage Lake is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Heritage Lake?

The cheapest car insurance in Heritage Lake is $53 per month for full coverage.

How much is car insurance in Heritage Lake for teenagers?

Car insurance for teenagers costs $162 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 Heritage Lake?

The average cost of car insurance is $749 for a six-month policy. It will cost around $137 per month to insure your car in Heritage Lake.

Is car insurance expensive in Heritage Lake?

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

Cheapest Car Insurance Quotes in Heritage Lake

Why you can trust Way?

How Much Is Car Insurance in Heritage Lake

Avg. Car Insurance in Heritage Lake

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Heritage Lake

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Heritage Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Heritage Lake, IN

Way's key takeaways about car insurance in Heritage Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Heritage Lake

Cheapest Liability Coverage in Heritage Lake, IN

Cheapest Full Coverage Car Insurance in Heritage Lake

Cheapest Full Coverage Car Insurance Quotes in Heritage Lake, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Heritage Lake by Rating Factor

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

Car Insurance Premiums by Age in Heritage Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Heritage Lake Car Insurance Rates by Violation

Heritage Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Heritage Lake after a DUI

Heritage Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Heritage Lake after Speeding ticket

Car Insurance Price Trends in Heritage Lake, Indiana

Average Car Insurance Cost in Heritage Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Heritage Lake, IN

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

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