Lawrence Auto Insurance Rates, Quotes, Agents & Reviews in IN

Lawrence, IN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lawrence, IN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Lawrence, IN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Lawrence, IN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lawrence, IN with that of other cities in and around Lawrence.

Lawrence Fishers Delaware Washington Warren Cumberland
Average Insurance Rates $1,207 $1,002 $1,600 $1,100 $1,165 $1,210

Lawrence, IN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Lawrence, IN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Lawrence $2,358 $1,991
McCordsville $2,631 $2,222
Delaware $1,539 $1,300
Fishers $1,075 $908
Warren Park $1,484 $1,254
Washington $1,038 $877
Warren $1,319 $1,114
Cumberland $1,246 $1,053

Lawrence, IN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lawrence, IN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,917
20 Years $1,551
30 Years $1,195
40 Years $1,149
50 Years $1,064
60 Years $1,079
70 Years $1,256

Lawrence, IN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lawrence, IN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,052 $362
3 Vehicles $3,078 $543
4 Vehicles $4,104 $724

Savings on 2 Vehicles bundle:$362

Savings on 3 Vehicles bundle:$543

Savings on 4 Vehicles bundle:$724


Lawrence, IN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lawrence, IN.

Location Average Insurance Cost Post DUI Insurance Rate
Lawrence $1,207 $1,868
McCordsville $1,626 $2,516
Delaware $1,600 $2,476
Fishers $1,002 $1,550
Warren Park $1,182 $1,829
Washington $1,100 $1,702
Warren $1,165 $1,803
Cumberland $1,210 $1,872

Lawrence, IN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,036
Excellent (740-799) $1,182
Good (670-739) $1,258
Average (580-669) $1,641
Poor (300-579) $1,969

Lawrence, IN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$53 $1,260
Driver's Failure In Showing Documents +$117 $1,324
Driving With An Expired Registration +$124 $1,331
Driving At A Considerably Slow Pace +$262 $1,469
Using A Cellphone While Driving +$276 $1,483
Running A Red Light +$281 $1,488
Speeding +$296 $1,503
Driving A Vehicle Without The Required Permission +$375 $1,582
Driving With An Expired/Suspended License +$814 $2,021

Lawrence, IN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,159
Active Disabling Device $1,159
Tracking Device $1,135
Passive Disabling Device $1,123

Latest Auto Insurance Reviews in Lawrence, IN | Back to Top

Geico
My premium is $125/month and my deductible is $500. With my previous insurer and same circumstances, my premium was $398 and deductible was $500.
Progressive
They have been very communicative and helpful. I like that they are local and able to answer our questions without being on hold for a long time.
Geico
We would totally recommend GEICO auto insurance to anyone who will listen. We were with at BRAND name insurance company for 20 years and were being charge 2x plus for the exact same coverage.
State Auto
The premium and deductible is great through my insurance company. I was previously paying a higher price for a similar coverage through a different company.
Geico
The premium for my two vehicles was significantly lower than the other 5th providers I got quotes from.
Pekin Insurance
I selected Pekin Insurance based on price only. I that respect I am mildly satisfied.
Geico
What I dislike about geico is that sometimes they can raise your monthly premium for even the most mundane of things.
Geico
The premium for my car insurance is $600 every 6 months. Other companies dont give you the option to make 6-month payments, instead they are monthly or yearly payments.
Country Financial
I liked the company for not trying to push me for any specific product, gave me a quote on the insurance, and also gave me a prompt response on the card and rate.
Geico
overall the cost is less than any other offerings by any other company in the spectrum, and I did look closely. Plus they have always done what they said they will do.
Progressive
The premium is very reasonable for the amount of insurance offered. I checked with other companies and Progressive was the lowest for everything that I had wanted in my insurance.
Alfa Insurance
My premium is lower than most other insurance. I have 3 vehicle covered with 2 of them full coverage and my premium is $210.
Geico
Other insurance companies quoted me anywhere from $250 to $400 per month with the same exact coverage. I am paying $127 a month with Geico.