Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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Cheapest recent rates near Lafayette, Indiana
Recent Lafayette, Indiana car insurance prices for Honda, Pontiac, Chrysler , and more.
*Quotes generated for Insurify users in and around Lafayette, Indiana within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lafayette, Indiana within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Located about an hour outside of Indianapolis, Lafayette is a small city with a relatively small population. Its location and population may contribute to its relatively affordable car insurance rates, compared to the state and national averages.
The overall average cost of car insurance in the city is $102 per month, compared to $107 per month in Indiana and $153 per month nationwide.
Here’s what you need to know about comparing quotes and buying car insurance in Lafayette, Indiana.
Quick Facts
The average cost of car insurance in Lafayette is $70 per month for liability coverage and $133 per month for full coverage.
Lafayette’s suburban character likely contributes to its lower insurance costs — about 25% of Indiana’s traffic fatalities occur in the suburbs, according to state data.
Auto-Owners has the cheapest full-coverage rates for car insurance in Lafayette, starting at $51 per month.
3 of the cheapest car insurance companies in Lafayette
The cost of car insurance can vary among companies because each insurer calculates rates differently. One company may place more importance on driving history, while another may weigh credit score information more heavily, for example.
The following insurers are the best car insurance companies in Lafayette, Indiana, based on Insurify Quality (IQ) Score, average rates, available coverage, and third-party ratings.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
State Farm
9.3
$57
$29
Customer service
Auto-Owners
8.5
$54
$27
Drivers with a DUI
GEICO
9.0
$63
$32
Teen drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$27/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$54/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm has relatively low average rates for auto insurance in Lafayette, making it a solid choice for drivers in the area. And because it has above-average J.D. Power ratings in customer satisfaction and claims satisfaction, drivers can likely get high-quality customer service from State Farm.[1][2]
Pros
Above-average J.D. Power customer service and claims satisfaction scores [3][2]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$26/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$51/mo
4.0
Best choiceBased on 146 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)
Jim
November 24, 2024
Verified Review
Auto
Overall, it's good, though their flexibility on pricing is less than desired.
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
After a DUI conviction in Lafayette, the average car insurance rate doubles, according to Insurify data. But some companies (Auto-Owners among them) are more lenient on a policyholder with this type of incident on their record. Auto-Owners offers some of the cheapest rates after a DUI.
The company has a solid customer satisfaction rating from J.D. Power.[2] You may also save even more on your premium when you bundle your insurance policies with Auto-Owners.
Pros
Excellent customer service
Variety of bundling options
Cons
Mobile app has lower ratings than some competitors
Claims filing not available online or via mobile app
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$30/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$60/mo
4.0
Best choiceBased on 10,464 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,755)
Dianna
December 19, 2024
Verified Review
Roadside Assistance
When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.
Alan
December 18, 2024
Verified Review
Satisfied but too expensive
My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.
Samol
December 18, 2024
Verified Review
Geico is Good Insurance
It's excellent, but after a few accidents, the rates are creeping upwards.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Teen drivers pay much more for car insurance than any other age group across the U.S. But some insurance companies give teen drivers a break. In Lafayette, GEICO is one of the cheapest insurers for this age group.
GEICO earned above-average scores in J.D. Power’s claims satisfaction and customer service studies.[1][2] The company also offers discounts for earning good grades, which can help teen drivers save on car insurance.
Pros
Cheap average rates for teen drivers
Above-average J.D. Power ratings in customer service and claims handling [3][2]
Cons
Gap insurance not available
No student-away-at-school discounts
How to get the cheapest car insurance in Lafayette
Car insurance premiums aren’t based on one factor alone. Your driving history, ZIP code, age, gender, and the type of car you drive can all affect what you pay.[4]
But you can save on car insurance in Lafayette in a few ways:
Get quotes from multiple companies using the same coverage types and limits.
Look for discounts that automatically lower your premiums.
Consider raising your deductible, as long as you have the money to pay for it if you file a claim.
Maintain a clean driving record and strong credit.
Find Cheap Car Insurance in Lafayette
Liability rates start at $26/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Lafayette: Auto-Owners
Liability insurance covers medical bills and lost wages for people in another vehicle if you’re responsible for a car accident. It also pays for property damage to other parties’ vehicles, but it won’t cover damages to your car.
In Lafayette, drivers pay an average of $70 per month for liability-only car insurance. Here’s a breakdown of what car insurance companies charge for this auto insurance policy in Lafayette.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$26
State Farm
$27
USAA
$29
GEICO
$30
American Family
$41
Clearcover
$46
Progressive
$51
Travelers
$54
Farmers
$57
Direct Auto
$60
Root
$62
Allstate
$64
Dairyland
$67
Nationwide
$71
CSAA
$72
National General
$76
The General
$77
Safeco
$78
Bristol West
$81
Elephant
$81
Liberty Mutual
$83
GAINSCO
$85
Foremost
$107
AssuranceAmerica
$118
State Auto
$134
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lafayette: Auto-Owners
Compared to liability insurance, a full-coverage auto policy offers more protection. In addition to liability insurance, it includes comprehensive and collision insurance, which covers you for damage to your own vehicle in certain cases.
The average cost of full-coverage car insurance in Lafayette is $133 per month. But depending on what company you buy insurance from, you may pay different rates.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$51
State Farm
$54
USAA
$58
GEICO
$60
Clearcover
$77
American Family
$79
Root
$99
Progressive
$100
Travelers
$107
Farmers
$111
Direct Auto
$118
CSAA
$120
Allstate
$127
Elephant
$127
Nationwide
$140
Safeco
$140
National General
$149
Dairyland
$165
The General
$174
Bristol West
$182
AssuranceAmerica
$185
Liberty Mutual
$187
GAINSCO
$196
Foremost
$202
State Auto
$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lafayette, Indiana
Recent Lafayette, Indiana car insurance prices for Chevrolet, Pontiac, Ford , and more.
*Quotes generated for Insurify users in and around Lafayette, Indiana within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lafayette, Indiana within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Indiana
All drivers in Indiana must carry car insurance and show proof of it when:
Law enforcement asks for it
Renewing a vehicle registration
Involved in a car accident
Furthermore, insurers must offer the following coverages, but you can reject these in writing if you don’t want to add them to your policy:
Uninsured motorist bodily injury: This coverage pays medical expenses for you and your passengers if an uninsured motorist causes an accident with your vehicle. The minimum limits are $25,000 per person or $50,000 per accident.
Uninsured motorist property damage: This compensates you for damage to your car or other property caused by an uninsured driver. Insurers must offer coverage of at least $25,000.
Underinsured motorist bodily injury: If an insured driver causes an accident and their policy doesn’t pay enough to cover the resulting medical expenses, this coverage can make up the difference. The coverage limit must be at least $50,000.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
These are just minimum requirements. You might add the following coverages for more protection:
Collision coverage
Collision coveragepays for your car repairs or replacement if you hit a stationary object or another vehicle, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for vehicle repairs or replacement after non-collision incidents. These can include theft, vandalism, falling objects, severe weather, and more.
Gap coverage
If you finance or lease your vehicle, gap insurance can pay the difference between the remaining balance on your agreement and your insurance settlement if your car is a total loss.
Rental reimbursement coverage
Rental reimbursement coverage helps pay for the cost of using a rental car or alternative transportation if your car is in the shop during a covered claim.
Cheapest car insurance for drivers with an incident
Driving habits are an important factor for insurance companies when determining auto rates. Insurers look at your driving record to assess risk and set premiums. A motorist with a clean driving record is less likely to get into an accident and submit a claim, so they generally pay lower rates.[4]
Insurify partners with top auto insurers to offer real-time quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
A driver in Lafayette typically pays higher rates after getting a speeding ticket — an average of $101 per month for liability insurance and $192 per month for full coverage. But some insurance companies charge less, which is why it’s important to shop around.
Here’s what insurance companies in Lafayette charge on average after a driver receives a speeding ticket.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Auto-Owners
$26
$35
State Farm
$27
$35
USAA
$29
$38
GEICO
$30
$40
American Family
$41
$54
Clearcover
$46
$61
Progressive
$51
$67
Travelers
$54
$72
Farmers
$57
$75
Direct Auto
$60
$79
Root
$62
$88
Allstate
$64
$85
Dairyland
$67
$88
Nationwide
$71
$95
CSAA
$72
$97
National General
$76
$101
The General
$77
$104
Safeco
$78
$104
Bristol West
$81
$108
Elephant
$81
$115
Liberty Mutual
$83
$118
GAINSCO
$85
$121
Foremost
$107
$152
AssuranceAmerica
$118
$155
State Auto
$134
$190
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Car insurance rates also increase when a policyholder causes an accident.[6] Drivers in Lafayette pay an average of $101 per month for liability insurance and $191 per month for full coverage after an at-fault accident.
Here’s what insurance companies in Lafayette charge on average when someone has an at-fault accident on their driving record.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Auto-Owners
$26
$35
State Farm
$27
$36
USAA
$29
$39
GEICO
$30
$41
American Family
$41
$56
Clearcover
$46
$67
Progressive
$51
$70
Travelers
$54
$74
Farmers
$57
$77
Direct Auto
$60
$83
Root
$62
$90
Allstate
$64
$87
Dairyland
$67
$90
Nationwide
$71
$97
CSAA
$72
$101
National General
$76
$103
The General
$77
$107
Safeco
$78
$105
Bristol West
$81
$110
Elephant
$81
$108
Liberty Mutual
$83
$120
GAINSCO
$85
$110
Foremost
$107
$154
AssuranceAmerica
$118
$156
State Auto
$134
$197
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
In Lafayette, a DUI or DWI offense can cause car insurance rates to increase to an average of $115 per month for liability insurance and $218 per month for full coverage.
Here are the cheapest insurers for Lafayette drivers who have a DUI/DWI on their records.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Auto-Owners
$26
$43
State Farm
$27
$44
USAA
$29
$48
GEICO
$30
$49
American Family
$41
$67
Clearcover
$46
$76
Progressive
$51
$84
Travelers
$54
$89
Farmers
$57
$94
Direct Auto
$60
$99
Root
$62
$92
Allstate
$64
$105
Dairyland
$67
$110
Nationwide
$71
$117
CSAA
$72
$106
National General
$76
$125
The General
$77
$126
Safeco
$78
$115
Bristol West
$81
$133
Elephant
$81
$133
Liberty Mutual
$83
$136
GAINSCO
$85
$140
Foremost
$107
$176
AssuranceAmerica
$118
$194
State Auto
$134
$220
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Age is another important factor to car insurance companies. Auto rates start high for teen drivers, gradually decline around age 26, and follow a downward trend over several decades. Older drivers tend to save on car insurance because they generally practice safe driving habits.
Rates start climbing again around age 70 because older adults have a higher per-mile crash rate compared to middle-aged drivers. Older adults are also more physically vulnerable to injuries from a crash.[7]
Senior drivers in Lafayette pay an average of $53 per month for liability insurance and $101 per month for full coverage. Here are the average car insurance rates for senior drivers in Lafayette.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Auto-Owners
$20
$39
State Farm
$20
$40
USAA
$22
$45
GEICO
$23
$46
American Family
$31
$59
Progressive
$35
$69
Clearcover
$38
$64
Travelers
$41
$80
Farmers
$43
$83
Direct Auto
$45
$88
Allstate
$49
$98
Root
$50
$80
Dairyland
$51
$126
Nationwide
$51
$100
CSAA
$53
$88
National General
$56
$109
The General
$60
$135
Bristol West
$62
$140
Elephant
$63
$99
Safeco
$64
$115
Liberty Mutual
$67
$150
GAINSCO
$68
$158
Foremost
$82
$155
AssuranceAmerica
$85
$134
State Auto
$96
$189
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Auto coverage is often much more expensive for young drivers, who have less experience behind the wheel and are more likely to engage in risky driving behavior. Insurance companies make up for this risk by charging higher rates for drivers ages 16 to 25.[8]
While teen drivers pay more, you may be able to lower your rate to get cheaper auto insurance. Compare quotes, get a safe car, and take advantage of discounts specifically geared toward young drivers. Staying on your parents’ policy can also help you save.
Teen drivers in Lafayette pay $127 per month for liability insurance and $242 per month for full coverage. Here’s what teens might pay for car insurance in Lafayette across several auto insurance companies:
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Auto-Owners
$45
$89
State Farm
$48
$97
GEICO
$50
$100
USAA
$51
$101
American Family
$73
$142
Clearcover
$87
$146
Progressive
$93
$181
Root
$96
$154
Travelers
$101
$201
Farmers
$103
$201
Dairyland
$112
$275
Direct Auto
$114
$223
Allstate
$119
$235
CSAA
$120
$200
The General
$127
$287
Nationwide
$129
$255
Elephant
$136
$214
Bristol West
$142
$318
Liberty Mutual
$147
$331
GAINSCO
$152
$350
Safeco
$153
$275
National General
$154
$303
Foremost
$197
$372
AssuranceAmerica
$224
$351
State Auto
$247
$486
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Lafayette car insurance quotes by credit tier
In Indiana, state law permits insurance companies to consider your credit history when setting premiums.[9] Research shows that people with lower credit scores tend to submit more claims. So drivers with poor credit in the U.S. can pay as much as $2,000 more per year compared to drivers with excellent or good credit.
Here’s what the average person pays for car insurance in Lafayette based on credit tier:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Lafayette?
Auto insurance in Lafayette is comparable to and not much cheaper or more expensive than other Indiana cities like Indianapolis, South Bend, and Fort Wayne. The overall average car insurance premium in Lafayette is $102 per month, which is similar the overall state average of $107 per month.
More cities in Indiana
Here’s how auto insurance rates in Lafayette compare to rates in other Indiana cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lafayette car insurance FAQs
Lafayette drivers can learn more about how to lower their car insurance premiums to get low rates in their city. Below are the answers to common questions about car insurance in the city.
How much is car insurance in Lafayette?
The average cost of car insurance in Lafayette is $70 per month for liability coverage and $133 per month for full coverage.
Which company has the cheapest car insurance in Lafayette?
The cheapest car insurance companies for liability coverage are Auto-Owners, State Farm, and USAA, with rates starting at $26, $27, and $29 per month, respectively.
What are the best car insurance companies in Lafayette?
The best car insurance companies in Lafayette are Auto-Owners, GEICO, State Farm, and USAA. These companies have the highest IQ Scores in the state, high J.D. Power customer satisfaction ratings, and strong AM Best financial strength ratings.
What is the minimum car insurance you must have in Indiana?
The minimum liability insurance requirements for private passenger vehicles in Indiana are:[5]
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$25,000 per person for property damage
$50,000 in underinsured motorist bodily injury coverage
Is Indiana a no-fault state?
No. Indiana is an at-fault state, so drivers who are responsible for car accidents pay for the damages and injuries they cause, typically through their liability insurance.[10]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Kim Porter is a writer and editor who's been creating personal finance content since 2010. Before transitioning to full-time freelance writing in 2018, Kim was the chief copy editor at Bankrate, a managing editor at Macmillan, and co-author of the personal finance book "Future Millionaires' Guidebook." Her work has appeared in AARP's print magazine and on sites such as U.S. News & World Report, Fortune, NextAdvisor, Credit Karma, and more. Kim loves to bake and exercise in her free time, and she plans to run a half marathon on each continent.
Kim has been a contributor at Insurify since October 2022.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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