Cheapest Car Insurance Quotes in Hudson Lake

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Hudson Lake Car Insurance

^$ 22

/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 Hudson Lake

The car insurance rate in Hudson Lake is $687 for a six-month policy, which is $20 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $416, making it a popular choice for budget-conscious drivers. Rates in Hudson 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 Hudson Lake

$687

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Hudson Lake

1st place: AutoOwners Insurance Co

At $416 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $422 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $526 for six months, making it the third cheapest auto insurance company in Hudson Lake.

Hudson Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hudson Lake, IN is AutoOwners Insurance Co, offering policies at just $416 for a six-month term. This is followed by Westfield, which has an average six-month premium of $422.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1273 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hudson Lake drivers find the best deals.

Cheap Car Insurance Companies in Hudson Lake, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$416	$69
Westfield	$422	$72
Nationwide	$526	$89
American Family	$545	$92
USAA	$581	$98
Hastings Mutual	$587	$99
Travelers	$649	$109
Hastings Insurance	$661	$112
Progressive	$679	$114
Auto-Owners	$703	$118
State Farm	$942	$159
Farm Bureau	$949	$162
Allstate	$1273	$214

Key Takeaways

Way's key takeaways about car insurance in Hudson Lake

The auto insurance costs in Hudson Lake fall around $416 for six months.
The cheapest auto insurance company in Hudson Lake is Westfield.
Teen drivers pay the highest rate in Hudson Lake at $565 per month.

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

Westfield provides the cheapest minimum car insurance coverage in Hudson Lake. Their Average 6 Month Premium is $129. Farmers is the most expensive at $233 for the same period.

Cheapest Liability Coverage in Hudson Lake, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$129	$22
USAA	$165	$28
Auto-Owners Insurance Co	$171	$29
Hastings Mutual	$183	$31
Indiana Farmers	$190	$32
American Family	$208	$35
Auto-Owners	$208	$35
Progressive	$220	$37
Grange	$227	$38
Travelers	$233	$39
SafeAuto	$251	$42
State Farm	$269	$45
Farm Bureau	$306	$53
Allstate	$502	$84
Farmers	$233	$39

Cheapest Full Coverage Car Insurance in Hudson 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 Hudson Lake is AutoOwners Insurance Co at $69 per month and $416 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hudson Lake, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$416	$69
Westfield	$422	$72
Nationwide	$526	$89
American Family	$545	$92
USAA	$581	$98
Hastings Mutual	$587	$99
Travelers	$649	$109
Hastings Insurance	$661	$112
Progressive	$679	$114
Auto-Owners	$703	$118
State Farm	$942	$159
Farm Bureau	$949	$162
Allstate	$1273	$214

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Average Car Insurance in Hudson 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 Hudson Lake, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Hudson 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, Hudson 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 Hudson 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	$442
40s	USAA	$414
50s	USAA	$391
60s	USAA	$408
70s	Buckeye Insurance Group	$436

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hudson Lake at $26 per month. At $3328 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
Auto-Owners Insurance Co	$220	$37
Grange	$239	$40
USAA	$489	$82
Travelers	$741	$125
Progressive	$857	$144
American Family	$1492	$251
Auto-Owners	$1989	$332
State Farm	$2068	$351
Allstate	$2460	$410
Farm Bureau	$3328	$565

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 Hudson Lake.

As young drivers face the highest rates in Hudson Lake, USAA offers the cheapest auto insurance rates at $442 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 Hudson Lake, Westfield is the cheapest car insurance provider. At $245 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 Hudson Lake is State Farm, offering rates of around $3005 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$245	$41
Nationwide	$287	$48
Grange	$306	$52
Travelers	$679	$114
Progressive	$716	$121
USAA	$783	$133
American Family	$838	$141
Allstate	$1016	$171
Farm Bureau	$1933	$322
Auto-Owners	$2087	$354
State Farm	$3005	$501

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

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

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

The cheapest car insurance companies after an at-fault accident in Hudson Lake include AutoOwners Insurance Co and Indiana Farmers, offering $239 and $245, respectively. Allstate is an expensive provider with an average six-month premium of $2025.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$239	$40
Indiana Farmers	$245	$41
Grange	$269	$45
Farmers	$312	$54
USAA	$416	$70
Travelers	$483	$81
Auto-Owners	$495	$83
Progressive	$533	$90
State Farm	$569	$96
American Family	$777	$131
Farm Bureau	$1413	$236
Allstate	$2025	$344

Hudson Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hudson Lake IN. For example, the car insurance in Hudson Lake after a DUI increases to $776 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Hudson Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$845	$141
One Med/PIP claim	$845	$143
Not-at-fault accident	$893	$149
Two Med/PIP claims	$905	$153
One comp claim	$912	$152
Failure to show documents	$955	$163
Failure to wear a seat belt	$961	$160
Two comp claims	$967	$165
Child safety restraint	$979	$163
Driving without lights	$979	$167
Driving with expired registration	$1016	$169
Speeding 6 - 10 MPH over limit	$1034	$176
Driving too slowly	$1040	$173
Failure to yield	$1040	$177
Following too closely	$1040	$173
Illegal turn	$1040	$177
Speeding in school zone	$1040	$173
Cell phone violation	$1046	$178
Speeding 11 - 15 MPH over limit	$1046	$174
Texting while driving	$1046	$178
Wrong way/wrong lane	$1046	$174
Failure to stop at a red light	$1053	$179
Improper passing	$1059	$176
Speeding 16 - 20 MPH over limit	$1059	$180
At-fault accident - less than $1000	$1071	$178
Passing school bus	$1089	$185
Speeding 21 - 25 MPH over limit	$1144	$191
At-fault accident - $1000-$2000	$1180	$201
In 65 MPH zone	$1199	$200
At-fault accident - greater than $2000	$1205	$205
Operating a vehicle without permission	$1291	$215
Open container	$1303	$221
Racing	$1584	$264
Reckless driving	$1590	$271
Refusal to submit to a chemical test	$1609	$268
DUI	$1621	$276
Leaving scene of an accident/hit and run	$1652	$275
Driving with a suspended license	$1664	$283

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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 Hudson 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 Hudson Lake.

The cheapest car insurance premiums in Hudson Lake are offered by Grange at $379 for a six-month policy. However, it can be as expensive as $1933 with companies like Hastings Mutual.

Hudson Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$379	$63
Travelers	$508	$85
Progressive	$551	$93
USAA	$606	$102
American Family	$845	$142
State Farm	$985	$166
Farm Bureau	$1126	$190
Allstate	$1174	$198
Auto-Owners	$1584	$267
Hastings Mutual	$1933	$329

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 Hudson Lake are offered by Westfield at $159. However, it can be as expensive as $1584 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hudson Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$159	$27
Auto-Owners Insurance Co	$220	$37
State Farm	$483	$81
Travelers	$526	$89
USAA	$539	$92
American Family	$551	$93
Progressive	$575	$97
Auto-Owners	$741	$124
Farm Bureau	$1138	$194
Allstate	$1584	$264

Car Insurance Price Trends in Hudson Lake, Indiana

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

The average cost of full coverage in the Hudson Lake remained steady at $138 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hudson Lake remained steady at $40 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Hudson Lake?

The car insurance in Hudson Lake is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Hudson Lake?

The cheapest car insurance in Hudson Lake is $69 per month for full coverage.

How much is car insurance in Hudson Lake for teenagers?

Car insurance for teenagers costs $153 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 Hudson Lake?

The average cost of car insurance is $667 for a six-month policy. It will cost around $115 per month to insure your car in Hudson Lake.

Is car insurance expensive in Hudson Lake?

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

Cheapest Car Insurance Quotes in Hudson Lake

Why you can trust Way?

How Much Is Car Insurance in Hudson Lake

Avg. Car Insurance in Hudson Lake

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Hudson Lake

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Hudson Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Hudson Lake, IN

Way's key takeaways about car insurance in Hudson Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hudson Lake

Cheapest Liability Coverage in Hudson Lake, IN

Cheapest Full Coverage Car Insurance in Hudson Lake

Cheapest Full Coverage Car Insurance Quotes in Hudson Lake, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hudson Lake by Rating Factor

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

Car Insurance Premiums by Age in Hudson Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Hudson Lake Car Insurance Rates by Violation

Hudson Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hudson Lake after a DUI

Hudson Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hudson Lake after Speeding ticket

Car Insurance Price Trends in Hudson Lake, Indiana

Average Car Insurance Cost in Hudson Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hudson Lake, IN

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

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