Cheapest Car Insurance Quotes in Koontz Lake

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Koontz 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 Koontz Lake

The car insurance rate in Koontz Lake is $809 for a six-month policy, which is $60 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $314, making it a popular choice for budget-conscious drivers. Rates in Koontz 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 Koontz Lake

$809

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Koontz Lake

1st place: American Family

At $314 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 $436 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $443 for six months, making it the third cheapest auto insurance company in Koontz Lake.

Koontz Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Koontz Lake, IN is American Family, offering policies at just $314 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $436.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1643 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Koontz Lake drivers find the best deals.

Cheap Car Insurance Companies in Koontz Lake, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$314	$53
Auto-Owners Insurance Co	$436	$75
Westfield	$443	$73
Nationwide	$552	$93
Hastings Mutual	$616	$104
USAA	$629	$106
Hastings Insurance	$693	$116
Progressive	$731	$123
Travelers	$731	$123
Auto-Owners	$827	$139
Farm Bureau	$1058	$176
State Farm	$1174	$198
Allstate	$1482	$249
Farmers	$1643	$280

Key Takeaways

Way's key takeaways about car insurance in Koontz Lake

The auto insurance costs in Koontz Lake fall around $314 for six months.
The cheapest auto insurance company in Koontz Lake is Westfield.
Teen drivers pay the highest rate in Koontz Lake at $713 per month.

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

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

Westfield provides the cheapest minimum car insurance coverage in Koontz Lake. Their Average 6 Month Premium is $135. Farmers is the most expensive at $590 for the same period.

Cheapest Liability Coverage in Koontz Lake, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$135	$23
American Family	$173	$29
Auto-Owners Insurance Co	$179	$30
USAA	$179	$30
Hastings Mutual	$192	$32
Indiana Farmers	$199	$33
Progressive	$231	$39
Auto-Owners	$238	$40
Grange	$238	$40
Travelers	$251	$42
SafeAuto	$264	$44
Farm Bureau	$321	$55
State Farm	$321	$54
Allstate	$558	$94
Farmers	$590	$98

Cheapest Full Coverage Car Insurance in Koontz 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 Koontz Lake is American Family at $53 per month and $314 for six months.

Cheapest Full Coverage Car Insurance Quotes in Koontz Lake, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$314	$53
Auto-Owners Insurance Co	$436	$75
Westfield	$443	$73
Nationwide	$552	$93
Hastings Mutual	$616	$104
USAA	$629	$106
Hastings Insurance	$693	$116
Progressive	$731	$123
Travelers	$731	$123
Auto-Owners	$827	$139
Farm Bureau	$1058	$176
State Farm	$1174	$198
Allstate	$1482	$249
Farmers	$1643	$280

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Average Car Insurance in Koontz 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 Koontz Lake, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Koontz 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, Koontz 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 Koontz 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	$415
40s	USAA	$389
50s	USAA	$368
60s	USAA	$383
70s	Buckeye Insurance Group	$409

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Koontz Lake at $27 per month. At $4189 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$161	$27
American Family	$179	$30
Auto-Owners Insurance Co	$231	$39
Grange	$251	$42
USAA	$705	$119
Travelers	$910	$153
Progressive	$988	$166
Auto-Owners	$2425	$413
Allstate	$3162	$527
State Farm	$3349	$569
Farm Bureau	$3727	$621
Farmers	$4189	$713

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 Koontz Lake.

As young drivers face the highest rates in Koontz Lake, USAA offers the cheapest auto insurance rates at $415 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 Koontz Lake, Westfield is the cheapest car insurance provider. At $257 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 Koontz Lake is State Farm, offering rates of around $4798 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$257	$43
American Family	$269	$45
Nationwide	$301	$51
Grange	$321	$54
Progressive	$821	$138
Travelers	$827	$139
USAA	$962	$164
Allstate	$1283	$216
Farm Bureau	$2169	$368
Auto-Owners	$2682	$447
Farmers	$2682	$456
State Farm	$4798	$800

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

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

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

The cheapest car insurance companies after an at-fault accident in Koontz Lake include American Family and AutoOwners Insurance Co, offering $218 and $251, respectively. Allstate is an expensive provider with an average six-month premium of $2649.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$218	$37
Auto-Owners Insurance Co	$251	$42
Indiana Farmers	$257	$43
Grange	$282	$48
USAA	$494	$83
Travelers	$571	$96
Auto-Owners	$596	$100
Progressive	$609	$103
State Farm	$834	$140
Farmers	$1309	$220
Farm Bureau	$1571	$262
Allstate	$2649	$450

Koontz Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Koontz Lake IN. For example, the car insurance in Koontz Lake after a DUI increases to $814 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Koontz Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$886	$148
One Med/PIP claim	$886	$150
Not-at-fault accident	$936	$157
Two Med/PIP claims	$949	$161
One comp claim	$956	$160
Failure to show documents	$1001	$171
Failure to wear a seat belt	$1008	$167
Two comp claims	$1014	$173
Child safety restraint	$1026	$171
Driving without lights	$1026	$175
Driving with expired registration	$1065	$177
Speeding 6 - 10 MPH over limit	$1084	$185
Driving too slowly	$1091	$181
Failure to yield	$1091	$186
Following too closely	$1091	$181
Illegal turn	$1091	$186
Speeding in school zone	$1091	$181
Cell phone violation	$1097	$187
Speeding 11 - 15 MPH over limit	$1097	$183
Texting while driving	$1097	$187
Wrong way/wrong lane	$1097	$183
Failure to stop at a red light	$1104	$188
Improper passing	$1110	$185
Speeding 16 - 20 MPH over limit	$1110	$189
At-fault accident - less than $1000	$1123	$187
Passing school bus	$1142	$194
Speeding 21 - 25 MPH over limit	$1200	$200
At-fault accident - $1000-$2000	$1238	$211
In 65 MPH zone	$1257	$210
At-fault accident - greater than $2000	$1264	$215
Operating a vehicle without permission	$1353	$226
Open container	$1366	$232
Racing	$1661	$276
Reckless driving	$1668	$284
Refusal to submit to a chemical test	$1687	$281
DUI	$1700	$289
Leaving scene of an accident/hit and run	$1732	$288
Driving with a suspended license	$1745	$297

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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 Koontz 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 Koontz Lake.

The cheapest car insurance premiums in Koontz Lake are offered by American Family at $218 for a six-month policy. However, it can be as expensive as $2944 with companies like Farmers.

Koontz Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$218	$37
Grange	$397	$68
Travelers	$603	$102
Progressive	$609	$103
USAA	$744	$125
Farm Bureau	$1238	$208
State Farm	$1251	$211
Allstate	$1366	$230
Auto-Owners	$1886	$318
Hastings Mutual	$2027	$345
Farmers	$2944	$490

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 Koontz Lake are offered by Westfield at $166. However, it can be as expensive as $2066 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Koontz Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$166	$28
American Family	$218	$37
Auto-Owners Insurance Co	$231	$39
Travelers	$648	$109
Progressive	$661	$111
USAA	$661	$110
State Farm	$705	$119
Auto-Owners	$956	$160
Farm Bureau	$1270	$216
Farmers	$2040	$340
Allstate	$2066	$351

Car Insurance Price Trends in Koontz Lake, Indiana

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

The average cost of full coverage in the Koontz Lake rose by $168 in January compared to $145 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Koontz Lake rose to $44 in January, compared to $42 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 Koontz Lake?

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

What is the cheapest car insurance in Koontz Lake?

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

How much is car insurance in Koontz Lake for teenagers?

Car insurance for teenagers costs $161 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 Koontz Lake?

The average cost of car insurance is $749 for a six-month policy. It will cost around $136 per month to insure your car in Koontz Lake.

Is car insurance expensive in Koontz Lake?

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

Cheapest Car Insurance Quotes in Koontz Lake

Why you can trust Way?

How Much Is Car Insurance in Koontz Lake

Avg. Car Insurance in Koontz Lake

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Koontz Lake

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Koontz Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Koontz Lake, IN

Way's key takeaways about car insurance in Koontz Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Koontz Lake

Cheapest Liability Coverage in Koontz Lake, IN

Cheapest Full Coverage Car Insurance in Koontz Lake

Cheapest Full Coverage Car Insurance Quotes in Koontz Lake, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Koontz Lake by Rating Factor

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

Car Insurance Premiums by Age in Koontz Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Koontz Lake Car Insurance Rates by Violation

Koontz Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Koontz Lake after a DUI

Koontz Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Koontz Lake after Speeding ticket

Car Insurance Price Trends in Koontz Lake, Indiana

Average Car Insurance Cost in Koontz Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Koontz Lake, IN

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

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