Buy Cheap Lafayette, TN Auto Insurance (2022)

Lafayette, TN auto insurance rates average $265 a month. Minimum auto insurance requirements in Lafayette, Tennessee are 25/50/15 to comply with Tennessee laws. To buy cheap auto insurance in Lafayette, TN, 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 overwhelming world o...

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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

  • Average auto insurance rates in Lafayette, TN after a DUI are $4,100/year
  • Average auto insurance rates in Lafayette, TN for teens drivers are $6,439/year
  • The most expensive auto insurance company in Lafayette is Allstate

Finding affordable Lafayette, Tennessee auto insurance can be challenging, but everything you need to know to buy cheap Lafayette, TN 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, TN car insurance rates compare to Murfreesboro auto insurance rates, Johnson City auto insurance rates, and Knoxville auto insurance rates before you read more about the cost of auto insurance in Lafayette.

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

Lafayette, TN Minimum Auto Insurance Requirements

The required auto insurance in Lafayette, TN is 25/50/15 according to the auto insurance laws in Tennessee. The minimum auto insurance in Lafayette, Tennessee is outlined here.

Minimum Required Auto 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

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Find Cheap Lafayette, TN Auto Insurance by Credit History

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

Annual Auto 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

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

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

Annual Auto 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
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

Buy Cheap Lafayette, TN 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, TN are listed here.

Annual Auto 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
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

Buy Cheap Lafayette, TN Auto Insurance for Seniors

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

Annual Auto 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
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

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

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

Annual Auto 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

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Find Cheap Lafayette, TN 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, TN by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Lafayette, TN Auto Insurance Rates by Driving Record

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

Annual Lafayette, Tennessee Auto 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

Find Cheap Lafayette, TN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lafayette, Tennessee 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, TN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Lafayette, Tennessee

Insurance Company Annual Auto 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

Winners by Category: Where to Buy Cheap Auto Insurance in Lafayette, TN

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

Best Annual Auto 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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Find Cheap Lafayette, Tennessee Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lafayette, Tennessee

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

What affects Lafayette, Tennessee auto insurance rates?

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

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, TN is 27.2 minutes according to City-Data.

Traffic in Lafayette

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

Compare Auto Insurance Quotes in Lafayette, TN

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

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