Compare Lafayette, NJ Car Insurance Rates (2021)

Car insurance in Lafayette, NJ averages $394 a month. Lafayette, New Jersey car insurance requirements are 15/30/5, 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, NJ.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • The cheapest car insurance company in Lafayette is GEICO
  • The cheapest car insurance company in Lafayette for teen drivers is GEICO
  • Average car insurance rates in Lafayette, NJ are $4,732/year

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

You’ll find Lafayette car insurance rates, the cheapest Lafayette, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Lafayette, New Jersey car insurance rates to Passaic car insurance rates, Paterson car insurance rates, and Camden car insurance rates.

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

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

How do age, gender, and marital status affect Lafayette, NJ car insurance rates? Every Lafayette, New Jersey 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, New Jersey

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 $2,881 $2,868 $2,767 $2,767 $9,085 $11,381 $3,360 $3,526
Farmers $4,273 $4,317 $4,130 $4,061 $12,739 $14,663 $5,092 $5,297
GEICO $1,990 $1,939 $1,925 $1,925 $3,537 $3,602 $2,260 $2,244
Liberty Mutual $3,681 $3,681 $4,038 $4,038 $9,417 $10,676 $4,038 $4,622
Progressive $1,847 $1,719 $1,668 $1,698 $8,414 $9,454 $2,190 $2,151
State Farm $3,630 $3,630 $3,272 $3,272 $11,692 $15,026 $4,125 $4,607
Travelers $2,797 $2,738 $2,581 $2,622 $6,358 $7,198 $2,745 $2,738

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Minimum Car Insurance in Lafayette, NJ

Every driver must carry the minimum car insurance in Lafayette, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Lafayette, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Lafayette, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lafayette, NJ. 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, New Jersey

Insurance Company Poor Fair Good
Allstate $6,659 $4,373 $3,456
Farmers $8,031 $6,391 $6,043
GEICO $3,643 $2,107 $1,533
Liberty Mutual $6,984 $5,193 $4,393
Progressive $4,059 $3,562 $3,306
State Farm $8,893 $5,377 $4,200
Travelers $4,960 $3,665 $2,542

Cheapest Lafayette, NJ 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, NJ to rates for a clean record with top companies.

Annual Lafayette, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,658 $5,978 $5,261 $4,420
Farmers $5,259 $8,988 $7,259 $5,779
GEICO $1,892 $2,482 $3,445 $1,892
Liberty Mutual $5,307 $6,066 $5,415 $5,307
Progressive $3,163 $4,162 $3,578 $3,667
State Farm $3,360 $6,088 $9,781 $5,398
Travelers $2,873 $4,239 $4,094 $3,683

Cheapest Lafayette, NJ Car Insurance for Teen Drivers

Teen car insurance in Lafayette, NJ 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, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,085 $11,381
Farmers $12,739 $14,663
GEICO $3,537 $3,602
Liberty Mutual $9,417 $10,676
Progressive $8,414 $9,454
State Farm $11,692 $15,026
Travelers $6,358 $7,198

Cheapest Lafayette, NJ Car Insurance for Seniors

Take a look at Lafayette, NJ 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, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,767 $2,767
Farmers $4,130 $4,061
GEICO $1,925 $1,925
Liberty Mutual $4,038 $4,038
Progressive $1,668 $1,698
State Farm $3,272 $3,272
Travelers $2,581 $2,622

Cheapest Lafayette, NJ Car Insurance Rates After a DUI

A DUI in Lafayette, NJ increases car insurance rates. Compare Lafayette, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lafayette, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,261
Farmers $7,259
GEICO $3,445
Liberty Mutual $5,415
Progressive $3,578
State Farm $9,781
Travelers $4,094

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Cheapest Lafayette, NJ Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lafayette, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,821 $4,838
Farmers $6,821 $6,821
GEICO $2,409 $2,447
Liberty Mutual $5,470 $5,577
Progressive $3,643 $3,643
State Farm $6,004 $6,309
Travelers $3,722 $3,722

The Best Cheap Car Insurance Companies in Lafayette, NJ

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

Average Annual Car Insurance Rates by Company in Lafayette, New Jersey

Insurance Company Average Annual Rates
Allstate $4,829
Farmers $6,821
GEICO $2,428
Liberty Mutual $5,524
Progressive $3,643
State Farm $6,157
Travelers $3,722

Category Winners: Cheapest Car Insurance in Lafayette, New Jersey

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

Best Annual Car Insurance Rates by Company in Lafayette, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

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Cheapest Lafayette, NJ 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, NJ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lafayette, New Jersey

Insurance Company Low Medium High
Allstate $4,523 $4,888 $5,076
Farmers $6,279 $6,808 $7,377
GEICO $2,197 $2,471 $2,616
Liberty Mutual $4,996 $5,681 $5,894
Progressive $3,366 $3,692 $3,871
State Farm $5,773 $6,228 $6,469
Travelers $3,430 $3,726 $4,011

What affects car insurance rates in Lafayette, New Jersey?

What factors can have an impact on Lafayette, NJ 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, New Jersey.

Traffic in Lafayette

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

Compare Car Insurance Quotes in Lafayette, NJ

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

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