Cheapest Car Insurance Quotes in Laconia

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Laconia 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 Laconia

The car insurance rate in Laconia is $734 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 $444, making it a popular choice for budget-conscious drivers. Rates in Laconia 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 Laconia

$734

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Laconia

1st place: AutoOwners Insurance Co

At $444 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 $451 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $562 for six months, making it the third cheapest auto insurance company in Laconia.

Laconia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Laconia, IN is AutoOwners Insurance Co, offering policies at just $444 for a six-month term. This is followed by Westfield, which has an average six-month premium of $451.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1360 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Laconia drivers find the best deals.

Cheap Car Insurance Companies in Laconia, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$444	$74
Westfield	$451	$77
Nationwide	$562	$95
American Family	$582	$98
USAA	$620	$105
Hastings Mutual	$627	$106
Travelers	$693	$117
Hastings Insurance	$706	$120
Progressive	$725	$122
Auto-Owners	$751	$127
State Farm	$1007	$169
Farm Bureau	$1013	$173
Allstate	$1360	$229

Key Takeaways

Way's key takeaways about car insurance in Laconia

The auto insurance costs in Laconia fall around $444 for six months.
The cheapest auto insurance company in Laconia is Westfield.
Teen drivers pay the highest rate in Laconia at $604 per month.

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Cheapest Minimum Liability Car Insurance in Laconia

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 Laconia are given below.

Westfield provides the cheapest minimum car insurance coverage in Laconia. Their Average 6 Month Premium is $138. Farmers is the most expensive at $249 for the same period.

Cheapest Liability Coverage in Laconia, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$138	$23
USAA	$176	$30
Auto-Owners Insurance Co	$183	$31
Hastings Mutual	$196	$33
Indiana Farmers	$202	$34
American Family	$222	$37
Auto-Owners	$222	$37
Progressive	$235	$40
Grange	$242	$41
Travelers	$249	$42
SafeAuto	$268	$45
State Farm	$287	$48
Farm Bureau	$327	$56
Allstate	$536	$90
Farmers	$249	$42

Cheapest Full Coverage Car Insurance in Laconia

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 Laconia is AutoOwners Insurance Co at $74 per month and $444 for six months.

Cheapest Full Coverage Car Insurance Quotes in Laconia, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$444	$74
Westfield	$451	$77
Nationwide	$562	$95
American Family	$582	$98
USAA	$620	$105
Hastings Mutual	$627	$106
Travelers	$693	$117
Hastings Insurance	$706	$120
Progressive	$725	$122
Auto-Owners	$751	$127
State Farm	$1007	$169
Farm Bureau	$1013	$173
Allstate	$1360	$229

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Average Car Insurance in Laconia 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 Laconia, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Laconia, 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, Laconia's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Laconia

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	$472
40s	USAA	$442
50s	USAA	$418
60s	USAA	$436
70s	Buckeye Insurance Group	$465

Cheapest Car Insurance Rates for Teen Drivers in Laconia,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Laconia at $28 per month. At $3554 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$164	$28
Auto-Owners Insurance Co	$235	$40
Grange	$255	$43
USAA	$523	$88
Travelers	$791	$133
Progressive	$915	$154
American Family	$1594	$268
Auto-Owners	$2124	$354
State Farm	$2209	$375
Allstate	$2627	$438
Farm Bureau	$3554	$604

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 Laconia.

As young drivers face the highest rates in Laconia, USAA offers the cheapest auto insurance rates at $472 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 Laconia, Westfield is the cheapest car insurance provider. At $262 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 Laconia is State Farm, offering rates of around $3209 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$262	$44
Nationwide	$307	$52
Grange	$327	$55
Travelers	$725	$122
Progressive	$765	$129
USAA	$836	$142
American Family	$895	$151
Allstate	$1085	$183
Farm Bureau	$2065	$344
Auto-Owners	$2229	$378
State Farm	$3209	$535

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Laconia

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 Laconia, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Laconia

The cheapest car insurance companies after an at-fault accident in Laconia include AutoOwners Insurance Co and Indiana Farmers, offering $255 and $262, respectively. Allstate is an expensive provider with an average six-month premium of $2163.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$255	$43
Indiana Farmers	$262	$44
Grange	$287	$48
Farmers	$333	$57
USAA	$444	$75
Travelers	$516	$87
Auto-Owners	$529	$89
Progressive	$569	$96
State Farm	$607	$102
American Family	$829	$140
Farm Bureau	$1509	$252
Allstate	$2163	$367

Laconia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Laconia IN. For example, the car insurance in Laconia after a DUI increases to $829 for a six month policy. While the rate increases by $202 for a six-month policy in the case of a speeding ticket.

Laconia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$902	$151
One Med/PIP claim	$902	$153
Not-at-fault accident	$954	$160
Two Med/PIP claims	$967	$164
One comp claim	$974	$163
Failure to show documents	$1020	$174
Failure to wear a seat belt	$1026	$171
Two comp claims	$1033	$176
Child safety restraint	$1045	$174
Driving without lights	$1045	$178
Driving with expired registration	$1085	$180
Speeding 6 - 10 MPH over limit	$1104	$188
Driving too slowly	$1111	$185
Failure to yield	$1111	$189
Following too closely	$1111	$185
Illegal turn	$1111	$189
Speeding in school zone	$1111	$185
Cell phone violation	$1118	$190
Speeding 11 - 15 MPH over limit	$1118	$186
Texting while driving	$1118	$190
Wrong way/wrong lane	$1118	$186
Failure to stop at a red light	$1124	$191
Improper passing	$1131	$188
Speeding 16 - 20 MPH over limit	$1131	$193
At-fault accident - less than $1000	$1144	$190
Passing school bus	$1163	$198
Speeding 21 - 25 MPH over limit	$1222	$204
At-fault accident - $1000-$2000	$1261	$215
In 65 MPH zone	$1280	$213
At-fault accident - greater than $2000	$1287	$219
Operating a vehicle without permission	$1378	$230
Open container	$1392	$237
Racing	$1692	$282
Reckless driving	$1698	$289
Refusal to submit to a chemical test	$1718	$286
DUI	$1731	$295
Leaving scene of an accident/hit and run	$1764	$294
Driving with a suspended license	$1778	$303

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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 Laconia 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 Laconia.

The cheapest car insurance premiums in Laconia are offered by Grange at $405 for a six-month policy. However, it can be as expensive as $2065 with companies like Hastings Mutual.

Laconia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$405	$67
Travelers	$542	$91
Progressive	$589	$99
USAA	$647	$109
American Family	$902	$152
State Farm	$1052	$177
Farm Bureau	$1202	$202
Allstate	$1254	$211
Auto-Owners	$1692	$285
Hastings Mutual	$2065	$351

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 Laconia are offered by Westfield at $169. However, it can be as expensive as $1692 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Laconia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$169	$29
Auto-Owners Insurance Co	$235	$40
State Farm	$516	$87
Travelers	$562	$95
USAA	$575	$98
American Family	$589	$99
Progressive	$614	$103
Auto-Owners	$791	$132
Farm Bureau	$1216	$207
Allstate	$1692	$282

Car Insurance Price Trends in Laconia, Indiana

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

The average cost of full coverage in the Laconia remained steady at $147 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Laconia remained steady at $43 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 Laconia?

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

What is the cheapest car insurance in Laconia?

The cheapest car insurance in Laconia is $74 per month for full coverage.

How much is car insurance in Laconia for teenagers?

Car insurance for teenagers costs $164 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 Laconia?

The average cost of car insurance is $667 for a six-month policy. It will cost around $123 per month to insure your car in Laconia.

Is car insurance expensive in Laconia?

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

Cheapest Car Insurance Quotes in Laconia

Why you can trust Way?

How Much Is Car Insurance in Laconia

Avg. Car Insurance in Laconia

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Laconia

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Laconia Car Insurance Rates by Company

Cheap Car Insurance Companies in Laconia, IN

Way's key takeaways about car insurance in Laconia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Laconia

Cheapest Liability Coverage in Laconia, IN

Cheapest Full Coverage Car Insurance in Laconia

Cheapest Full Coverage Car Insurance Quotes in Laconia, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Laconia by Rating Factor

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

Car Insurance Premiums by Age in Laconia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Laconia,IN

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

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 Laconia

Cheapest Car Insurance Companies after an At-Fault Accident in Laconia

Laconia Car Insurance Rates by Violation

Laconia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Laconia after a DUI

Laconia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Laconia after Speeding ticket

Car Insurance Price Trends in Laconia, Indiana

Average Car Insurance Cost in Laconia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Laconia, IN

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