Cheapest Car Insurance Quotes in Lawrence

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Lawrence Car Insurance

^$ 27

/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 Lawrence

The car insurance rate in Lawrence is $959 for a six-month policy, which is $210 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Lawrence 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 Lawrence

$959

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Lawrence

1st place: American Family

At $372 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 $517 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $525 for six months, making it the third cheapest auto insurance company in Lawrence.

Lawrence Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lawrence, IN is American Family, offering policies at just $372 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $517.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1947 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lawrence drivers find the best deals.

Cheap Car Insurance Companies in Lawrence, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$372	$63
Auto-Owners Insurance Co	$517	$88
Westfield	$525	$87
Nationwide	$654	$110
Hastings Mutual	$730	$123
USAA	$745	$125
Hastings Insurance	$822	$137
Progressive	$867	$146
Travelers	$867	$146
Auto-Owners	$980	$165
Farm Bureau	$1254	$209
State Farm	$1391	$234
Allstate	$1756	$296
Farmers	$1947	$332

Key Takeaways

Way's key takeaways about car insurance in Lawrence

The auto insurance costs in Lawrence fall around $372 for six months.
The cheapest auto insurance company in Lawrence is Westfield.
Teen drivers pay the highest rate in Lawrence at $845 per month.

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

Cheapest Minimum Liability Car Insurance in Lawrence

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 Lawrence are given below.

Westfield provides the cheapest minimum car insurance coverage in Lawrence. Their Average 6 Month Premium is $160. Farmers is the most expensive at $699 for the same period.

Cheapest Liability Coverage in Lawrence, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$160	$27
American Family	$205	$35
Auto-Owners Insurance Co	$212	$36
USAA	$212	$36
Hastings Mutual	$228	$38
Indiana Farmers	$236	$40
Progressive	$274	$46
Auto-Owners	$282	$47
Grange	$282	$47
Travelers	$297	$50
SafeAuto	$312	$52
Farm Bureau	$380	$65
State Farm	$380	$64
Allstate	$662	$111
Farmers	$699	$116

Cheapest Full Coverage Car Insurance in Lawrence

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 Lawrence is American Family at $63 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lawrence, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$372	$63
Auto-Owners Insurance Co	$517	$88
Westfield	$525	$87
Nationwide	$654	$110
Hastings Mutual	$730	$123
USAA	$745	$125
Hastings Insurance	$822	$137
Progressive	$867	$146
Travelers	$867	$146
Auto-Owners	$980	$165
Farm Bureau	$1254	$209
State Farm	$1391	$234
Allstate	$1756	$296
Farmers	$1947	$332

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Average Car Insurance in Lawrence 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 Lawrence, IN increasing?

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

Car Insurance Premiums by Age in Lawrence

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	$492
40s	USAA	$461
50s	USAA	$436
60s	USAA	$454
70s	Buckeye Insurance Group	$485

Cheapest Car Insurance Rates for Teen Drivers in Lawrence,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lawrence at $32 per month. At $4965 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$191	$32
American Family	$212	$36
Auto-Owners Insurance Co	$274	$46
Grange	$297	$50
USAA	$836	$141
Travelers	$1079	$182
Progressive	$1171	$197
Auto-Owners	$2874	$489
Allstate	$3748	$625
State Farm	$3969	$675
Farm Bureau	$4417	$736
Farmers	$4965	$845

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 Lawrence.

As young drivers face the highest rates in Lawrence, USAA offers the cheapest auto insurance rates at $492 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 Lawrence, Westfield is the cheapest car insurance provider. At $305 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 Lawrence is State Farm, offering rates of around $5687 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$305	$51
American Family	$319	$54
Nationwide	$357	$60
Grange	$380	$64
Progressive	$973	$164
Travelers	$980	$165
USAA	$1140	$195
Allstate	$1521	$256
Farm Bureau	$2570	$436
Auto-Owners	$3178	$530
Farmers	$3178	$540
State Farm	$5687	$948

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

Car Insurance Rates with An Accident in Lawrence

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

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

The cheapest car insurance companies after an at-fault accident in Lawrence include American Family and AutoOwners Insurance Co, offering $259 and $297, respectively. Allstate is an expensive provider with an average six-month premium of $3140.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$259	$44
Auto-Owners Insurance Co	$297	$50
Indiana Farmers	$305	$51
Grange	$334	$56
USAA	$585	$99
Travelers	$677	$114
Auto-Owners	$707	$119
Progressive	$722	$122
State Farm	$988	$166
Farmers	$1551	$261
Farm Bureau	$1862	$311
Allstate	$3140	$534

Lawrence Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lawrence IN. For example, the car insurance in Lawrence after a DUI increases to $965 for a six month policy. While the rate increases by $235 for a six-month policy in the case of a speeding ticket.

Lawrence auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1050	$175
One Med/PIP claim	$1050	$178
Not-at-fault accident	$1110	$186
Two Med/PIP claims	$1125	$191
One comp claim	$1133	$189
Failure to show documents	$1187	$202
Failure to wear a seat belt	$1194	$198
Two comp claims	$1202	$205
Child safety restraint	$1216	$202
Driving without lights	$1216	$207
Driving with expired registration	$1262	$210
Speeding 6 - 10 MPH over limit	$1285	$219
Driving too slowly	$1293	$215
Failure to yield	$1293	$220
Following too closely	$1293	$215
Illegal turn	$1293	$220
Speeding in school zone	$1293	$215
Cell phone violation	$1300	$221
Speeding 11 - 15 MPH over limit	$1300	$216
Texting while driving	$1300	$221
Wrong way/wrong lane	$1300	$216
Failure to stop at a red light	$1308	$223
Improper passing	$1316	$219
Speeding 16 - 20 MPH over limit	$1316	$224
At-fault accident - less than $1000	$1331	$221
Passing school bus	$1353	$230
Speeding 21 - 25 MPH over limit	$1422	$237
At-fault accident - $1000-$2000	$1467	$250
In 65 MPH zone	$1490	$248
At-fault accident - greater than $2000	$1498	$255
Operating a vehicle without permission	$1604	$268
Open container	$1619	$275
Racing	$1969	$328
Reckless driving	$1976	$337
Refusal to submit to a chemical test	$1999	$333
DUI	$2015	$343
Leaving scene of an accident/hit and run	$2053	$342
Driving with a suspended license	$2068	$352

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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 Lawrence 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 Lawrence.

The cheapest car insurance premiums in Lawrence are offered by American Family at $259 for a six-month policy. However, it can be as expensive as $3489 with companies like Farmers.

Lawrence car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$259	$44
Grange	$471	$81
Travelers	$714	$120
Progressive	$722	$122
USAA	$882	$148
Farm Bureau	$1467	$247
State Farm	$1482	$250
Allstate	$1619	$273
Auto-Owners	$2235	$376
Hastings Mutual	$2403	$408
Farmers	$3489	$581

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 Lawrence are offered by Westfield at $197. However, it can be as expensive as $2449 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lawrence after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$197	$33
American Family	$259	$44
Auto-Owners Insurance Co	$274	$46
Travelers	$768	$129
Progressive	$783	$132
USAA	$783	$131
State Farm	$836	$141
Auto-Owners	$1133	$189
Farm Bureau	$1505	$256
Farmers	$2418	$403
Allstate	$2449	$416

Car Insurance Price Trends in Lawrence, Indiana

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

The average cost of full coverage in the Lawrence rose by $200 in January compared to $172 of December. In other words, there has been an increase by $28 when you compare January and December.

The average cost of liability insurance in the Lawrence rose to $52 in January, compared to $50 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 Lawrence?

The car insurance in Lawrence is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Lawrence?

The cheapest car insurance in Lawrence is $63 per month for full coverage.

How much is car insurance in Lawrence for teenagers?

Car insurance for teenagers costs $191 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 Lawrence?

The average cost of car insurance is $749 for a six-month policy. It will cost around $161 per month to insure your car in Lawrence.

Is car insurance expensive in Lawrence?

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

Cheapest Car Insurance Quotes in Lawrence

Why you can trust Way?

How Much Is Car Insurance in Lawrence

Avg. Car Insurance in Lawrence

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Lawrence

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Lawrence Car Insurance Rates by Company

Cheap Car Insurance Companies in Lawrence, IN

Way's key takeaways about car insurance in Lawrence

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lawrence

Cheapest Liability Coverage in Lawrence, IN

Cheapest Full Coverage Car Insurance in Lawrence

Cheapest Full Coverage Car Insurance Quotes in Lawrence, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lawrence by Rating Factor

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

Car Insurance Premiums by Age in Lawrence

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lawrence,IN

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

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 Lawrence

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

Lawrence Car Insurance Rates by Violation

Lawrence auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lawrence after a DUI

Lawrence car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lawrence after Speeding ticket

Car Insurance Price Trends in Lawrence, Indiana

Average Car Insurance Cost in Lawrence by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lawrence, IN

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

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