Buy Cheap Lafayette, IN Auto Insurance (2021)

Lafayette, IN auto insurance rates average $246 a month. Minimum auto insurance requirements in Lafayette, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Lafayette, IN, compare Lafayette auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Lafayette is Liberty Mutual
  • The most expensive auto insurance company in Lafayette after a DUI is Liberty Mutual
  • Average auto insurance rates in Lafayette, IN for teens drivers are $5,824/year

Finding affordable Lafayette, Indiana auto insurance can be challenging, but everything you need to know to buy cheap Lafayette, IN auto insurance with confidence is right here. Auto insurance rates in Lafayette are affected by local factors as well as personal ones like your driving record.

See how Lafayette, IN car insurance rates compare to Carmel auto insurance rates, Evansville auto insurance rates, and Fort Wayne auto insurance rates before you read more about the cost of auto insurance in Lafayette.

Don’t buy Lafayette, IN auto insurance until you’ve compared rates. Get free Lafayette, Indiana auto insurance quotes when you enter your ZIP code above.

Lafayette, IN Minimum Auto Insurance Requirements

The required auto insurance in Lafayette, IN is 25/50/25 according to the auto insurance laws in Indiana. The minimum auto insurance in Lafayette, Indiana is outlined here.

Minimum Required Auto 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

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Find Cheap Lafayette, IN Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Lafayette, IN. Take a look at Lafayette, Indiana auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Lafayette, IN Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Lafayette, Indiana auto insurance rates? Find out how car insurance rates in Lafayette, IN are impacted by demographics.

Annual Auto 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

Buy Cheap Lafayette, IN Auto Insurance for Teen Drivers

Auto insurance for teenagers in Lafayette can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lafayette, IN are listed here.

Annual Auto 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

Buy Cheap Lafayette, IN Auto Insurance for Seniors

You can save on senior auto insurance rates in Lafayette, Indiana by comparing Lafayette senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lafayette, IN here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Lafayette, IN by Coverage Level

The amount of coverage you choose is a big factor in the cost of Lafayette, Indiana auto insurance. Compare Lafayette, IN auto insurance rates by coverage level.

Annual Auto 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

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Find Cheap Lafayette, IN Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Lafayette. Compare auto insurance rates in Lafayette, IN by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Lafayette, IN Auto Insurance Rates by ZIP Code

Auto insurance rates in Lafayette, Indiana can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Lafayette, IN to see how much where you live in Lafayette affects the cost of car insurance.

Annual Auto 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

Find Cheap Lafayette, IN Auto Insurance Rates by Driving Record

Auto insurance rates in Lafayette, Indiana are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lafayette, IN, take a look at the average cost for various violations versus rates for a clean driving record in Lafayette.

Annual Lafayette, Indiana Auto 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

Find Cheap Lafayette, IN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lafayette, Indiana is higher than for a clean driving record. You can buy auto insurance after a DUI in Lafayette for less when you shop around and compare rates from multiple Lafayette, IN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Lafayette, Indiana

Insurance Company Annual Auto 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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Winners by Category: Where to Buy Cheap Auto Insurance in Lafayette, IN

Compare rates from the cheapest auto insurance companies in Lafayette, IN for your needs. Take a look at how Lafayette, Indiana auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Lafayette, Indiana Auto Insurance Companies

If you’re looking for the cheapest Lafayette, IN auto insurance companies overall, you can compare them here. Find the best price for Lafayette, Indiana car insurance by company.

Average Annual Auto 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

What affects Lafayette, Indiana auto insurance rates?

Local factors affect auto insurance rates in Lafayette, IN, including traffic, theft statistics, and commute length. Take a look at the things that impact Lafayette auto insurance rates.

Auto Theft in Lafayette

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Lafayette, IN auto theft show a total of 142 vehicle thefts annually.

Commute Times in Lafayette

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lafayette, IN is 15.3 minutes according to City-Data.

Traffic in Lafayette

How is traffic in Lafayette, Indiana? Inrix data shows that Lafayette, IN traffic makes it the 617th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Lafayette, IN

You can buy cheap Lafayette, IN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lafayette, Indiana auto insurance quotes from top companies.

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