Compare Lafayette, TN Car Insurance Rates (2021)

Car insurance in Lafayette, TN averages $291 a month. Lafayette, Tennessee car insurance requirements are 25/50/15, 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, TN.

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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, TN after a DUI are $4,100/year
  • The cheapest car insurance company in Lafayette is State Farm
  • The cheapest car insurance company in Lafayette for teen drivers is State Farm

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

You’ll find Lafayette car insurance rates, the cheapest Lafayette, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Lafayette, Tennessee car insurance rates to Franklin car insurance rates, Clarksville car insurance rates, and Johnson City car insurance rates.

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

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

How do age, gender, and marital status affect Lafayette, TN car insurance rates? Every Lafayette, Tennessee 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, Tennessee

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 $2,565 $2,463 $2,318 $2,405 $9,715 $10,602 $2,726 $2,811
Farmers $2,002 $2,033 $1,797 $1,951 $7,996 $8,459 $2,695 $2,890
GEICO $2,082 $2,102 $1,919 $1,919 $6,270 $6,388 $2,112 $2,178
Liberty Mutual $3,558 $129 $2,919 $3,260 $14,455 $16,065 $3,823 $4,084
Nationwide $2,076 $2,095 $1,860 $1,893 $5,610 $7,244 $2,381 $2,590
Progressive $1,731 $1,638 $1,409 $1,471 $7,684 $8,653 $2,090 $2,286
State Farm $1,447 $1,447 $1,294 $1,294 $4,288 $5,361 $1,631 $1,902
Travelers $1,681 $1,769 $1,520 $1,618 $4,590 $5,655 $1,791 $1,885
USAA $1,495 $1,520 $1,351 $1,351 $5,357 $6,137 $1,952 $2,079

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Minimum Car Insurance in Lafayette, TN

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

Minimum Required Car Insurance Coverage in Lafayette, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Lafayette, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lafayette, TN. 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, Tennessee

Insurance Company Poor Fair Good
Allstate $5,668 $4,355 $3,329
Farmers $4,435 $3,468 $3,281
GEICO $3,543 $3,033 $2,788
Liberty Mutual $8,662 $5,302 $4,147
Nationwide $3,876 $3,066 $2,714
Progressive $3,797 $3,265 $3,048
State Farm $3,386 $2,033 $1,580
Travelers $3,269 $2,554 $1,869
USAA $3,846 $2,257 $1,863

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

Annual Lafayette, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,727 $4,444 $5,369 $4,264
Farmers $3,180 $3,945 $4,028 $3,760
GEICO $2,263 $3,038 $4,922 $2,263
Liberty Mutual $4,896 $7,052 $6,564 $5,634
Nationwide $2,786 $2,786 $4,181 $3,123
Progressive $2,971 $3,848 $3,163 $3,500
State Farm $2,135 $2,531 $2,333 $2,333
Travelers $2,085 $2,668 $2,942 $2,561
USAA $1,930 $2,895 $3,403 $2,393

Cheapest Lafayette, TN Car Insurance for Teen Drivers

Teen car insurance in Lafayette, TN 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, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,715 $10,602
Farmers $7,996 $8,459
GEICO $6,270 $6,388
Liberty Mutual $14,455 $16,065
Nationwide $5,610 $7,244
Progressive $7,684 $8,653
State Farm $4,288 $5,361
Travelers $4,590 $5,655
USAA $5,357 $6,137

Cheapest Lafayette, TN Car Insurance for Seniors

Take a look at Lafayette, TN 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, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,318 $2,405
Farmers $1,797 $1,951
GEICO $1,919 $1,919
Liberty Mutual $2,919 $3,260
Nationwide $1,860 $1,893
Progressive $1,409 $1,471
State Farm $1,294 $1,294
Travelers $1,520 $1,618
USAA $1,351 $1,351

Cheapest Lafayette, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lafayette, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,369
Farmers $4,028
GEICO $4,922
Liberty Mutual $6,564
Nationwide $4,181
Progressive $3,163
State Farm $2,333
Travelers $2,942
USAA $3,403

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Cheapest Lafayette, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lafayette, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,451 $4,451
Farmers $3,728 $3,728
GEICO $3,103 $3,139
Liberty Mutual $6,037 $6,037
Nationwide $3,219 $3,219
Progressive $3,370 $3,370
State Farm $2,280 $2,387
Travelers $2,464 $2,664
USAA $2,580 $2,730

The Best Cheap Car Insurance Companies in Lafayette, TN

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

Average Annual Car Insurance Rates by Company in Lafayette, Tennessee

Insurance Company Average Annual Rates
Allstate $4,451
Farmers $3,728
GEICO $3,121
Liberty Mutual $6,037
Nationwide $3,219
Progressive $3,370
State Farm $2,333
Travelers $2,564
USAA $2,655

Category Winners: Cheapest Car Insurance in Lafayette, Tennessee

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

Best Annual Car Insurance Rates by Company in Lafayette, Tennessee

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

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

Annual Car Insurance Rates by Coverage Level in Lafayette, Tennessee

Insurance Company Low Medium High
Allstate $4,283 $4,440 $4,629
Farmers $3,548 $3,713 $3,923
GEICO $2,977 $3,114 $3,272
Liberty Mutual $5,785 $6,035 $6,290
Nationwide $3,248 $3,149 $3,259
Progressive $3,188 $3,372 $3,551
State Farm $2,223 $2,341 $2,435
Travelers $2,418 $2,562 $2,712
USAA $2,568 $2,645 $2,752

What affects car insurance rates in Lafayette, Tennessee?

What factors can have an impact on Lafayette, TN 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, Tennessee.

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, TN is 27.2 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, TN traffic data from INRIX ranks Lafayette as the 617th-most congested in the world.

Compare Car Insurance Quotes in Lafayette, TN

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

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