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Get Cheap Car Insurance in La Paz, IN

We monitor insurance prices, helping the average driver in La Paz save up to 29.1% on car insurance.

 

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The Cheapest Minimum Coverage in La Paz

The chart below shows the cheapest car insurance company in La Paz for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by State Farm, Safe Auto, and Travelers.

 
La Paz Insurer Monthly Cost
Auto-Owners Insurance $44
State Farm $47
Safe Auto $47
Travelers $48

Savings for Every Kind of La Paz Driver

The table shows how much the average auto insurance customer in La Paz might save by following our recommendations.

Based on our extensive insurance data, we know the average La Paz driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $340 per year by choosing the right vehicle insurance company. Some La Paz residents are paying out over $1,169 extra every year for auto insurance in La Paz. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
La Paz, IN Savings / Yr.
Drivers with good records
$340
Drivers with accidents
$532
Drivers with speeding tickets
$431
Drivers with a DUI conviction
$304
Young drivers
$611
Married drivers
$261
Drivers with bad credit
$373

La Paz Car Insurance vs. Indiana

People living in La Paz pay an average of 4.37% less than the typical driver in the state. The average driver in La Paz can expect to pay about $725 per year, or $1,169 for full coverage.

Based on our analysis, Erie Insurance will be the cheapest provider in La Paz for most people.

Car Insurance Prices by La Paz Neighborhood

La Paz, IN map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within La Paz?

The map shows insurance prices in and around La Paz, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $36 per year within the city boundaries, with insurance premiums ranging from a high of $1,192 to a low of $1,156. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of La Paz.

Pick the Best Car Insurance Company for You in La Paz

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the La Paz insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in La Paz

For drivers with clean driving records and no major strikes, Erie Insurance is the best option, with annual savings of $340 over the average La Paz car insurance company.

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We use the average good driver, paying $69 per month, as our baseline for pricing in La Paz. Travelers, Erie Insurance, and Clearcover are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for La Paz drivers with accidents on their records

In La Paz getting into an accident will raise premiums an average 38% for a yearly cost of $1,895. That's $727 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $532 over the competition.

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The best car insurance company for La Paz drivers with speeding tickets

>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $431 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In La Paz, tickets raise premiums on new quotes about $430. If you have a speeding ticket, we recommend State Farm, Auto-Owners Insurance, and Clearcover for savings that beat the average insurance cost of $1,599 per year.

The best auto insurance for La Paz drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,743 per year in auto insurance premiums, which was $575 more than a driver with no major issues. State Farm, Progressive, and Gainsco penalized their customers the least for a DUI.

Getting a quote from Gainsco may cost the average person with a DUI about $304 less each year.

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The least expensive car insurance company for new and young drivers in La Paz

In La Paz, State Farm costs young drivers $611 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 65% more for insurance than more mature drivers in La Paz. With an average cost of $3,304 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in La Paz

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $41. State Farm, Progressive, and Auto-Owners Insurance provided the largest discounts to couples living in La Paz.

State Farm gave the largest car insurance discounts to married couples, averaging $261 saved each year compared to an average La Paz couple's premiums.

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The cheapest car insurance in La Paz for drivers with bad credit

People with poor credit saved an average of $373 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $624 every year. Premiums for people with poor credit were about $1,793 in La Paz. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Auto-Owners Insurance.

The best La Paz car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In La Paz, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in La Paz.

Nationwide was the best company for customer service in La Paz according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in La Paz, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in La Paz. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in La Paz

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 14% of La Paz residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average La Paz driver can expect to pay about $78 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In La Paz, USAA has the best prices for young drivers, drivers with speeding tickets, drivers with accidents, drivers with a DUI conviction, good drivers, drivers with bad credit, and married couples.
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Auto Insurance Prices in and Around La Paz

What Influences the Cost of Car Insurance in La Paz?

On average, car insurance in La Paz is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in La Paz is 31 minutes, which is about the national average for a driver in the state.
  • Indiana state insurance regulations may allow for lower prices.
  • An average of 16 to 17 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in La Paz are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • La Paz is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in La Paz is $60 per month for minimum coverage and $97 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

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* Who is the average La Paz driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central La Paz with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.