Compare Lafayette, IN Car Insurance Rates (2021)

Car insurance in Lafayette, IN averages $246 a month. Lafayette, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lafayette car insurance rates, compare quotes from the top car insurance companies in Lafayette, IN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Lafayette, IN are $2,950/year
  • The cheapest car insurance company in Lafayette for teen drivers is USAA
  • The cheapest car insurance company in Lafayette is USAA

If you need to buy Lafayette, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Lafayette, IN is right here.

You’ll find Lafayette car insurance rates, the cheapest Lafayette, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Lafayette, Indiana car insurance rates to Gary car insurance rates, Hammond car insurance rates, and Bloomington car insurance rates.

Ready to find affordable Lafayette, IN car insurance today? Enter your ZIP code for fast, free Lafayette car insurance quotes.

Cheapest Lafayette, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lafayette, IN car insurance rates? Every Lafayette, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lafayette, Indiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,111 $2,152 $1,871 $2,043 $6,686 $8,460 $2,114 $2,297
American Family $2,127 $2,127 $1,916 $1,916 $5,959 $8,590 $2,127 $2,597
Farmers $1,406 $1,389 $1,201 $1,351 $7,587 $8,105 $1,857 $2,005
GEICO $1,272 $1,259 $1,188 $1,223 $3,676 $3,421 $1,450 $1,283
Liberty Mutual $3,285 $3,285 $3,021 $3,021 $7,165 $10,807 $3,285 $4,496
Nationwide $1,512 $1,545 $1,329 $1,416 $4,405 $5,703 $1,774 $1,937
Progressive $1,516 $1,431 $1,378 $1,386 $8,986 $10,084 $1,898 $1,931
State Farm $1,273 $1,273 $1,140 $1,140 $3,943 $5,042 $1,411 $1,572
Travelers $1,114 $1,133 $1,047 $1,045 $6,844 $10,763 $1,180 $1,363
USAA $1,061 $1,043 $990 $995 $2,985 $3,328 $1,433 $1,529

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Minimum Car Insurance in Lafayette, IN

Every driver must carry the minimum car insurance in Lafayette, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Lafayette, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Lafayette, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lafayette, IN. Compare credit history car insurance rates in Lafayette from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lafayette, Indiana

Insurance Company Poor Fair Good
Allstate $4,274 $3,208 $2,918
American Family $4,684 $3,035 $2,540
Farmers $3,629 $2,963 $2,745
GEICO $2,218 $1,846 $1,475
Liberty Mutual $6,385 $4,157 $3,845
Nationwide $2,791 $2,359 $2,208
Progressive $3,937 $3,494 $3,298
State Farm $3,058 $1,825 $1,415
Travelers $3,408 $2,889 $2,886
USAA $2,248 $1,487 $1,276

Cheapest Lafayette, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lafayette, IN to rates for a clean record with top companies.

Annual Lafayette, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,757 $4,067 $3,755 $3,287
American Family $2,355 $3,763 $4,755 $2,807
Farmers $2,782 $3,251 $3,346 $3,072
GEICO $1,217 $1,915 $2,570 $1,684
Liberty Mutual $3,724 $4,404 $6,945 $4,110
Nationwide $2,115 $2,715 $2,605 $2,377
Progressive $2,685 $4,701 $3,199 $3,720
State Farm $2,048 $2,252 $2,048 $2,048
Travelers $2,601 $3,215 $3,641 $2,789
USAA $1,260 $1,796 $2,062 $1,563

Cheapest Lafayette, IN Car Insurance for Teen Drivers

Teen car insurance in Lafayette, IN can be expensive. Take a look at rates from the top car insurance companies in Lafayette for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lafayette, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,686 $8,460
American Family $5,959 $8,590
Farmers $7,587 $8,105
GEICO $3,676 $3,421
Liberty Mutual $7,165 $10,807
Nationwide $4,405 $5,703
Progressive $8,986 $10,084
State Farm $3,943 $5,042
Travelers $6,844 $10,763
USAA $2,985 $3,328

Cheapest Lafayette, IN Car Insurance for Seniors

Take a look at Lafayette, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lafayette, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,871 $2,043
American Family $1,916 $1,916
Farmers $1,201 $1,351
GEICO $1,188 $1,223
Liberty Mutual $3,021 $3,021
Nationwide $1,329 $1,416
Progressive $1,378 $1,386
State Farm $1,140 $1,140
Travelers $1,047 $1,045
USAA $990 $995

Cheapest Lafayette, IN Car Insurance Rates After a DUI

A DUI in Lafayette, IN increases car insurance rates. Compare Lafayette, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lafayette, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,755
American Family $4,755
Farmers $3,346
GEICO $2,570
Liberty Mutual $6,945
Nationwide $2,605
Progressive $3,199
State Farm $2,048
Travelers $3,641
USAA $2,062

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Cheapest Lafayette, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lafayette, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lafayette, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,467 $3,467
American Family $3,378 $3,462
Farmers $3,113 $3,113
GEICO $1,815 $1,878
Liberty Mutual $4,669 $4,923
Nationwide $2,453 $2,453
Progressive $3,576 $3,576
State Farm $2,040 $2,158
Travelers $3,061 $3,061
USAA $1,648 $1,692

Cheapest Lafayette, IN Car Insurance Rates by ZIP Code

Lafayette car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lafayette, IN.

Annual Car Insurance Rates by ZIP Code in Lafayette, Indiana

ZIP Code Average Annual Rates
47901 $2,898
47904 $2,860
47905 $2,875
47907 $2,894
47909 $2,855

The Best Cheap Car Insurance Companies in Lafayette, IN

Take a look at a side-by-side comparison of the top car insurance companies in Lafayette, IN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lafayette, Indiana

Insurance Company Average Annual Rates
Allstate $3,467
American Family $3,420
Farmers $3,113
GEICO $1,847
Liberty Mutual $4,796
Nationwide $2,453
Progressive $3,576
State Farm $2,099
Travelers $3,061
USAA $1,670

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Category Winners: Cheapest Car Insurance in Lafayette, Indiana

Find the cheapest car insurance companies in Lafayette, IN for each category right here.

Best Annual Car Insurance Rates by Company in Lafayette, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Lafayette, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lafayette car insurance rates. Find the cheapest Lafayette, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lafayette, Indiana

Insurance Company Low Medium High
Allstate $3,291 $3,453 $3,657
American Family $3,370 $3,533 $3,358
Farmers $3,007 $3,107 $3,224
GEICO $1,739 $1,840 $1,960
Liberty Mutual $4,626 $4,782 $4,979
Nationwide $2,493 $2,433 $2,432
Progressive $3,385 $3,522 $3,821
State Farm $1,995 $2,098 $2,204
Travelers $3,012 $3,089 $3,082
USAA $1,610 $1,666 $1,735

What affects car insurance rates in Lafayette, Indiana?

What factors can have an impact on Lafayette, IN car insurance? There are several reasons why Lafayette car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lafayette, Indiana.

Car Theft in Lafayette

High levels of vehicle theft can make car insurance more expensive. Lafayette, IN car theft statistics from the FBI indicate 142 vehicle thefts a year.

Commute Time in Lafayette

The more time you spend in your car the higher the risk of an accident. The average commute length in Lafayette, IN is 15.3 minutes according to City-Data.

Traffic in Lafayette

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lafayette, IN traffic data from INRIX ranks Lafayette as the 617th-most congested in the world.

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Compare Car Insurance Quotes in Lafayette, IN

Ready to find affordable Lafayette, Indiana car insurance today? Enter your ZIP code for fast, free Lafayette, IN car insurance quotes.

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Average Monthly Car Insurance Rates by State