Car insurance in Lawrence for an adult with a clean driving record and good insurance score costs $1,212 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Lawrence by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Lawrence.

Key Highlights
  • Car insurance in Lawrence is almost same as car insurance in Indiana for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Lawrence is $1,212 per year or $101 per month.
  • In Lawrence, Geico offers the cheapest full coverage car insurance at $55 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What is the average cost of car insurance in Lawrence, IN?

The average auto insurance rates in Lawrence, IN at various coverage levels are listed below:

  • State minimum: $388 per year
  • Liability-only coverage (50/100/50): $445 per year
  • Full coverage (100/300/100): $1,212 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Geico$204$244$657
USAA$222$258$865
Nationwide$459$496$989
State Farm$315$389$1,046
Auto-Owners$293$360$1,125
Travelers$439$489$1,186
American Family$447$495$1,206
Farmers$474$554$1,382
Progressive$379$437$1,533
Allstate$652$725$2,131

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Lawrence, IN?

Out of all the carriers available in Lawrence, Geico offers the cheapest full coverage car insurance at $55 per month.

The second-cheapest car insurance company in Lawrence is USAA, offering car insurance at $72 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Geico$55
USAA$72
Nationwide$82
State Farm$87
Auto-Owners$94
Travelers$99
American Family$101
Farmers$115
Progressive$128
Allstate$178

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Lawrence, IN?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Indiana is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Lawrence, IN

See the average annual premium for drivers with two speeding tickets on their records in Lawrence, IN in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
USAA$96
State Farm$113
Geico$142
Nationwide$158
American Family$166
Travelers$173
Farmers$205
Auto-Owners$211
Allstate$267
Progressive$282

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Lawrence, IN

See the average annual premium for a driver convicted of DUI in Lawrence, IN in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
USAA$101
State Farm$121
Geico$143
American Family$152
Travelers$167
Farmers$188
Progressive$188
Nationwide$212
Auto-Owners$250
Allstate$257

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Lawrence, IN

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Lawrence, IN, by age

Age is a key factor when considering car insurance rates in most cities, including Lawrence – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$189
16American Family$625
16Auto-Owners$396
16Geico$386
16Farmers$729
16Nationwide$416
16Progressive$682
16State Farm$361
16Travelers$550
16USAA$341
17Allstate$189
17American Family$417
17Auto-Owners$276
17Geico$209
17Farmers$576
17Nationwide$399
17Progressive$495
17State Farm$317
17Travelers$449
17USAA$210
18Allstate$178
18American Family$322
18Auto-Owners$245
18Geico$179
18Farmers$471
18Nationwide$344
18Progressive$457
18State Farm$279
18Travelers$323
18USAA$166
19Allstate$178
19American Family$259
19Auto-Owners$214
19Geico$131
19Farmers$295
19Nationwide$295
19Progressive$356
19State Farm$245
19Travelers$256
19USAA$143
20Allstate$178
20American Family$216
20Auto-Owners$193
20Geico$119
20Farmers$272
20Nationwide$246
20Progressive$324
20State Farm$214
20Travelers$217
20USAA$130
21Allstate$167
21American Family$186
21Auto-Owners$168
21Geico$96
21Farmers$218
21Nationwide$157
21Progressive$275
21State Farm$181
21Travelers$183
21USAA$121
22Allstate$167
22American Family$165
22Auto-Owners$149
22Geico$78
22Farmers$207
22Nationwide$138
22Progressive$241
22State Farm$162
22Travelers$164
22USAA$113
23Allstate$167
23American Family$148
23Auto-Owners$134
23Geico$73
23Farmers$188
23Nationwide$130
23Progressive$220
23State Farm$143
23Travelers$148
23USAA$107
24Allstate$167
24American Family$133
24Auto-Owners$122
24Geico$67
24Farmers$182
24Nationwide$123
24Progressive$200
24State Farm$130
24Travelers$137
24USAA$102
25Allstate$178
25American Family$120
25Auto-Owners$131
25Geico$65
25Farmers$136
25Nationwide$104
25Progressive$164
25State Farm$114
25Travelers$117
25USAA$94
30Allstate$178
30American Family$113
30Auto-Owners$94
30Geico$60
30Farmers$126
30Nationwide$90
30Progressive$142
30State Farm$89
30Travelers$113
30USAA$81
35Allstate$178
35American Family$106
35Auto-Owners$94
35Geico$57
35Farmers$119
35Nationwide$87
35Progressive$134
35State Farm$87
35Travelers$109
35USAA$75
40Allstate$178
40American Family$101
40Auto-Owners$94
40Geico$55
40Farmers$115
40Nationwide$82
40Progressive$128
40State Farm$87
40Travelers$99
40USAA$72
45Allstate$178
45American Family$96
45Auto-Owners$90
45Geico$53
45Farmers$107
45Nationwide$80
45Progressive$128
45State Farm$87
45Travelers$98
45USAA$70
50Allstate$178
50American Family$94
50Auto-Owners$88
50Geico$52
50Farmers$103
50Nationwide$77
50Progressive$121
50State Farm$85
50Travelers$98
50USAA$66
55Allstate$178
55American Family$93
55Auto-Owners$85
55Geico$51
55Farmers$98
55Nationwide$75
55Progressive$120
55State Farm$82
55Travelers$89
55USAA$65
60Allstate$178
60American Family$94
60Auto-Owners$85
60Geico$50
60Farmers$97
60Nationwide$74
60Progressive$120
60State Farm$81
60Travelers$90
60USAA$65
65Allstate$178
65American Family$98
65Auto-Owners$91
65Geico$49
65Farmers$106
65Nationwide$76
65Progressive$125
65State Farm$80
65Travelers$97
65USAA$68
70Allstate$178
70American Family$105
70Auto-Owners$102
70Geico$52
70Farmers$121
70Nationwide$80
70Progressive$138
70State Farm$85
70Travelers$106
70USAA$78
75Allstate$178
75American Family$119
75Auto-Owners$115
75Geico$56
75Farmers$138
75Nationwide$91
75Progressive$175
75State Farm$93
75Travelers$121
75USAA$95

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Lawrence, IN, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Geico$91
Nationwide$125
USAA$128
American Family$170
Travelers$180
Auto-Owners$183
Farmers$194
State Farm$239
Progressive$242
Allstate$276

Final thoughts: Car insurance cost in Lawrence, IN

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Lawrence, IN. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Lawrence, Indiana.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.