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Finding the cheapest car insurance quotes in Lawtons shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Lawtons
The car insurance rate in Lawtons is $885 for a six-month policy, which is $144 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $475, making it a popular choice for budget-conscious drivers. Rates in Lawtons 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.
At $475 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: New York Central Mutual Fire
New York Central Mutual Fire offers auto
insurance rates at $629 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $634
for six months, making it
the third cheapest auto insurance company in Lawtons.
Lawtons Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lawtons, NY is Kemper, offering policies at just $475 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $629.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1323 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lawtons drivers find the best deals.
Way's key takeaways about car insurance in Lawtons
The auto insurance costs in Lawtons fall around $475 for six
months.
The cheapest auto insurance company in Lawtons is New York Central Mutual Fire.
Teen drivers pay the highest rate in Lawtons at $674 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Lawtons
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 Lawtons are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Lawtons. Their Average 6 Month Premium is $224.
Preferred Mutual is the most
expensive at $593 for the same
period.
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 Lawtons is Kemper
at $81 per month and $475
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lawtons,
NY
Get Your Car Insurance Quote in Lawtons
Instantly!
Average Car Insurance in Lawtons 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 Lawtons, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lawtons, New York, may be increasing due to several external factors.
New York has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Lawtons's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lawtons
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
20s
National Grange Mutual
$484
30s
National Grange Mutual
$345
40s
National Grange Mutual
$332
50s
National Grange Mutual
$337
60s
National Grange Mutual
$363
70s
National Grange Mutual
$498
Cheapest Car Insurance Rates for Teen Drivers in
Lawtons,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Lawtons at $53
per
month. At $4005 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties National Grange Mutual is
the best choice for car
insurance in Lawtons.
As young drivers face the highest rates in Lawtons, National Grange Mutual
offers the cheapest auto insurance rates at $484 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 Lawtons,
Chubb is
the cheapest car insurance provider. At $690 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
Lawtons is Progressive, offering
rates of around $4450 for six
months.
Save up to $971/yr on car insurance rates in Lawtons.
Car Insurance Rates with An Accident in Lawtons
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 Lawtons, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lawtons
The cheapest car insurance companies after an at-fault accident in
Lawtons include Kemper
and American Family, offering $398
and $409,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$495.
Here is a list of driving violations that can increase your car
insurance rates in Lawtons NY. For example, the car
insurance in Lawtons
after a DUI increases to $613 for a six
month policy. While the rate increases by $97 for a six-month policy in the case of
a speeding ticket.
Lawtons auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1078
$180
One Med/PIP claim
$1078
$183
One comp claim
$1088
$181
Two comp claims
$1098
$187
Two Med/PIP claims
$1098
$183
Not-at-fault accident
$1103
$187
Failure to show documents
$1119
$187
Failure to wear a seat belt
$1124
$191
Driving with expired registration
$1134
$189
At-fault accident - less than $1000
$1140
$194
Cell phone violation
$1140
$190
Child safety restraint
$1140
$194
Driving without lights
$1140
$190
Failure to stop at a red light
$1140
$194
Failure to yield
$1140
$190
Following too closely
$1140
$194
Illegal turn
$1140
$190
Improper passing
$1140
$194
Passing school bus
$1140
$190
Texting while driving
$1140
$194
Wrong way/wrong lane
$1140
$190
Driving too slowly
$1150
$195
Speeding in school zone
$1150
$192
At-fault accident - $1000-$2000
$1154
$196
Speeding 11 - 15 MPH over limit
$1175
$196
Speeding 6 - 10 MPH over limit
$1175
$200
Operating a vehicle without permission
$1195
$200
Open container
$1211
$206
In 65 MPH zone
$1262
$211
Speeding 16 - 20 MPH over limit
$1277
$218
Speeding 21 - 25 MPH over limit
$1323
$220
At-fault accident - greater than $2000
$1425
$243
Reckless driving
$1522
$254
Racing
$1583
$269
Driving with a suspended license
$1640
$273
Refusal to submit to a chemical test
$1675
$285
DUI
$1691
$282
Leaving scene of an accident/hit and run
$1717
$292
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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 Lawtons 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 Lawtons.
The cheapest car insurance premiums in
Lawtons are
offered by American Family at $388 for a six-month policy.
However, it can be as
expensive as $1732 with companies
like State Farm.
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 Lawtons are offered by American Family
at $342. However,
it can be as expensive as $1757
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Lawtons after Speeding ticket
Car insurance rates in Lawtons have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lawtons dipped by
$212 in December
compared to $213 of November. In other words, there has been an decrease by $1 when you
compare December and November.
The average cost of liability insurance in the Lawtons dipped to $73 in December,
compared to $76 in November.
This represents an decrease of $3
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Lawtons. At $1769 for a
six-month policy, insuring
your car at 14091 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Lawtons?
The car insurance in Lawtons is $38 per month, which is lower than the national average.
What is the cheapest car insurance in Lawtons?
The cheapest car insurance in Lawtons
is $81 per month
for full coverage.
How much is car insurance in Lawtons for teenagers?
Car insurance for teenagers costs $322 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
Lawtons?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $149 per month to insure your
car in Lawtons.
Is car insurance expensive in Lawtons?
Car insurance can be expensive in Lawtons if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lawtons can be
affordable.
What is the best car insurance in Lawtons,
NY?
The best car insurance company in Lawtons
NY is
Kemper, offering $475 for a
six-month policy.
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Car Insurance Rates by State in the USA (2025 Update)
Lawtons Car Insurance
