Cheapest Car Insurance Quotes in Lake Station

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Lake Station Car Insurance

^$ 26

/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 Lake Station

The car insurance rate in Lake Station is $814 for a six-month policy, which is $147 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $493, making it a popular choice for budget-conscious drivers. Rates in Lake Station 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 Lake Station

$814

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Lake Station

1st place: AutoOwners Insurance Co

At $493 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 $500 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $623 for six months, making it the third cheapest auto insurance company in Lake Station.

Lake Station Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Station, IN is AutoOwners Insurance Co, offering policies at just $493 for a six-month term. This is followed by Westfield, which has an average six-month premium of $500.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1508 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Station drivers find the best deals.

Cheap Car Insurance Companies in Lake Station, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$493	$82
Westfield	$500	$85
Nationwide	$623	$105
American Family	$645	$109
USAA	$688	$116
Hastings Mutual	$695	$117
Travelers	$769	$129
Hastings Insurance	$783	$133
Progressive	$804	$135
Auto-Owners	$833	$140
State Farm	$1116	$188
Farm Bureau	$1124	$192
Allstate	$1508	$254

Key Takeaways

Way's key takeaways about car insurance in Lake Station

The auto insurance costs in Lake Station fall around $493 for six months.
The cheapest auto insurance company in Lake Station is Westfield.
Teen drivers pay the highest rate in Lake Station at $670 per month.

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Cheapest Minimum Liability Car Insurance in Lake Station

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 Lake Station are given below.

Westfield provides the cheapest minimum car insurance coverage in Lake Station. Their Average 6 Month Premium is $153. Farmers is the most expensive at $276 for the same period.

Cheapest Liability Coverage in Lake Station, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
USAA	$195	$33
Auto-Owners Insurance Co	$203	$34
Hastings Mutual	$217	$37
Indiana Farmers	$224	$38
American Family	$246	$41
Auto-Owners	$246	$41
Progressive	$261	$44
Grange	$268	$45
Travelers	$276	$46
SafeAuto	$298	$50
State Farm	$318	$54
Farm Bureau	$362	$62
Allstate	$594	$100
Farmers	$276	$46

Cheapest Full Coverage Car Insurance in Lake Station

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 Lake Station is AutoOwners Insurance Co at $82 per month and $493 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Station, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$493	$82
Westfield	$500	$85
Nationwide	$623	$105
American Family	$645	$109
USAA	$688	$116
Hastings Mutual	$695	$117
Travelers	$769	$129
Hastings Insurance	$783	$133
Progressive	$804	$135
Auto-Owners	$833	$140
State Farm	$1116	$188
Farm Bureau	$1124	$192
Allstate	$1508	$254

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Average Car Insurance in Lake Station 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 Lake Station, IN increasing?

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

Car Insurance Premiums by Age in Lake Station

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	$523
40s	USAA	$490
50s	USAA	$464
60s	USAA	$483
70s	Buckeye Insurance Group	$516

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lake Station at $31 per month. At $3942 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$182	$31
Auto-Owners Insurance Co	$261	$44
Grange	$283	$48
USAA	$580	$98
Travelers	$877	$148
Progressive	$1015	$171
American Family	$1768	$298
Auto-Owners	$2356	$393
State Farm	$2450	$416
Allstate	$2913	$486
Farm Bureau	$3942	$670

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 Lake Station.

As young drivers face the highest rates in Lake Station, USAA offers the cheapest auto insurance rates at $523 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 Lake Station, Westfield is the cheapest car insurance provider. At $290 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 Lake Station is State Farm, offering rates of around $3559 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$290	$49
Nationwide	$340	$57
Grange	$362	$61
Travelers	$804	$135
Progressive	$848	$143
USAA	$927	$157
American Family	$993	$167
Allstate	$1203	$203
Farm Bureau	$2290	$382
Auto-Owners	$2472	$420
State Farm	$3559	$593

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Lake Station

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

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

The cheapest car insurance companies after an at-fault accident in Lake Station include AutoOwners Insurance Co and Indiana Farmers, offering $283 and $290, respectively. Allstate is an expensive provider with an average six-month premium of $2399.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$283	$48
Indiana Farmers	$290	$49
Grange	$318	$54
Farmers	$370	$63
USAA	$493	$83
Travelers	$572	$96
Auto-Owners	$587	$99
Progressive	$631	$106
State Farm	$673	$113
American Family	$920	$155
Farm Bureau	$1674	$279
Allstate	$2399	$407

Lake Station Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Station IN. For example, the car insurance in Lake Station after a DUI increases to $920 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Lake Station auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1000	$167
One Med/PIP claim	$1000	$170
Not-at-fault accident	$1058	$177
Two Med/PIP claims	$1072	$182
One comp claim	$1080	$181
Failure to show documents	$1131	$193
Failure to wear a seat belt	$1138	$189
Two comp claims	$1146	$195
Child safety restraint	$1159	$193
Driving without lights	$1159	$198
Driving with expired registration	$1203	$200
Speeding 6 - 10 MPH over limit	$1225	$209
Driving too slowly	$1232	$205
Failure to yield	$1232	$210
Following too closely	$1232	$205
Illegal turn	$1232	$210
Speeding in school zone	$1232	$205
Cell phone violation	$1240	$211
Speeding 11 - 15 MPH over limit	$1240	$206
Texting while driving	$1240	$211
Wrong way/wrong lane	$1240	$206
Failure to stop at a red light	$1247	$212
Improper passing	$1254	$209
Speeding 16 - 20 MPH over limit	$1254	$214
At-fault accident - less than $1000	$1269	$211
Passing school bus	$1290	$220
Speeding 21 - 25 MPH over limit	$1355	$226
At-fault accident - $1000-$2000	$1398	$238
In 65 MPH zone	$1420	$237
At-fault accident - greater than $2000	$1427	$243
Operating a vehicle without permission	$1529	$255
Open container	$1543	$262
Racing	$1876	$312
Reckless driving	$1884	$321
Refusal to submit to a chemical test	$1906	$317
DUI	$1920	$327
Leaving scene of an accident/hit and run	$1957	$326
Driving with a suspended license	$1972	$336

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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 Lake Station 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 Lake Station.

The cheapest car insurance premiums in Lake Station are offered by Grange at $449 for a six-month policy. However, it can be as expensive as $2290 with companies like Hastings Mutual.

Lake Station car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$449	$74
Travelers	$601	$101
Progressive	$653	$110
USAA	$717	$121
American Family	$1000	$168
State Farm	$1166	$196
Farm Bureau	$1333	$224
Allstate	$1391	$234
Auto-Owners	$1876	$316
Hastings Mutual	$2290	$389

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 Lake Station are offered by Westfield at $188. However, it can be as expensive as $1876 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lake Station after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$188	$32
Auto-Owners Insurance Co	$261	$44
State Farm	$572	$96
Travelers	$623	$105
USAA	$638	$109
American Family	$653	$110
Progressive	$681	$115
Auto-Owners	$877	$146
Farm Bureau	$1348	$229
Allstate	$1876	$312

Car Insurance Price Trends in Lake Station, Indiana

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

The average cost of full coverage in the Lake Station remained steady at $163 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lake Station remained steady at $48 in both December and November, indicating no change over the two month period.

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Principal

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Frequently Asked Questions

How much is car insurance in Lake Station?

The car insurance in Lake Station is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Station?

The cheapest car insurance in Lake Station is $82 per month for full coverage.

How much is car insurance in Lake Station for teenagers?

Car insurance for teenagers costs $182 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 Lake Station?

The average cost of car insurance is $667 for a six-month policy. It will cost around $137 per month to insure your car in Lake Station.

Is car insurance expensive in Lake Station?

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

Cheapest Car Insurance Quotes in Lake Station

Why you can trust Way?

How Much Is Car Insurance in Lake Station

Avg. Car Insurance in Lake Station

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Lake Station

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Lake Station Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Station, IN

Way's key takeaways about car insurance in Lake Station

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Station

Cheapest Liability Coverage in Lake Station, IN

Cheapest Full Coverage Car Insurance in Lake Station

Cheapest Full Coverage Car Insurance Quotes in Lake Station, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Station by Rating Factor

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

Car Insurance Premiums by Age in Lake Station

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Lake Station

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

Lake Station Car Insurance Rates by Violation

Lake Station auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Station after a DUI

Lake Station car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Station after Speeding ticket

Car Insurance Price Trends in Lake Station, Indiana

Average Car Insurance Cost in Lake Station by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Station, IN

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

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