Cheapest Auto Insurance in Lafayette, Indiana (2024)

Auto-Owners offers the cheapest car insurance in Lafayette, with minimum-coverage policies as low as $25 per month.

Kim Porter
Written byKim Porter
Kim Porter
Kim Porter
  • 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.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated June 16, 2024

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Cheapest recent rates near Lafayette, Indiana

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $61/mo for full coverage in Lafayette and other Indiana cities.

*Quotes generated for Insurify users in and around Lafayette, Indiana within the last 10 days. Last updated on June 12, 2024

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 June 12, 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 June 12, 2024

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 June 12, 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 $97 per month, compared to $105 per month in Indiana and $160 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 $67 per month for liability coverage and $126 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 $48 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$55$29Customer service
Auto-Owners4.3$52$27Drivers with a DUI
GEICO4.4$61$32Teen 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-5 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 28,000 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.

Best company for customer service: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$51/mo

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]

  • Low average rates for liability-only coverage

Cons
  • Gap insurance not available

  • Not as many discounts as competitors

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

Best company for drivers with a DUI: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$25/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.
$48/mo

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

Read our Auto-Owners review
Thomas - June 12, 2024
Verified

Good Customer Service

The service is very good. They offer a one-year policy and a discount for paying in full. However, the price is too high.

Martine - June 7, 2024
Verified

Poor Customer Service

The customer service is poor, I would recommend staying away.

Jack - June 4, 2024
Verified

Auto Owners has always been good!

I really like the agent. We primarily communicated via email. She was always great to work with.

Best company for teen drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$56/mo

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

Read our GEICO review
Joseph J - June 16, 2024
Verified

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

David - June 16, 2024
Verified

GEICO's Rates are Too High

The premiums have increased astronomically.

Cynthia - June 16, 2024
Verified

Poor Service

Stay away from this disorganized, greedy, and rarely available company.

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 $25/mo.

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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 $67 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$25
State Farm$27
USAA$28
GEICO$30
American Family$39
Clearcover$44
Progressive$49
Travelers$53
Farmers$55
National General$55
Dairyland$59
Direct Auto$62
Allstate$63
Midvale Home & Auto$65
Nationwide$68
GAINSCO$72
Elephant$73
Safeco$73
The General$73
Liberty Mutual$76
CSAA$78
Bristol West$87
Foremost$105
AssuranceAmerica$117
State Auto$130
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 $126 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$48
State Farm$51
USAA$54
GEICO$56
Clearcover$72
American Family$75
Progressive$94
Travelers$101
Midvale Home & Auto$104
Farmers$105
National General$111
Elephant$112
Allstate$120
Direct Auto$120
Nationwide$132
GAINSCO$136
CSAA$139
Safeco$139
Dairyland$158
AssuranceAmerica$164
The General$172
Liberty Mutual$173
State Auto$184
Bristol West$198
Foremost$223
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

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $75/mo for full coverage in Lafayette and other Indiana cities.

*Quotes generated for Insurify users in and around Lafayette, Indiana within the last 10 days. Last updated on June 12, 2024

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 June 12, 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 June 12, 2024

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 June 12, 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 dont 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.

The state of Indiana mandates the following minimum liability insurance requirements for private passenger vehicles:[5]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for your car repairs or replacement if you hit a stationary object or another vehicle, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/94dcf3f967/lender-requirement.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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]

But you pose more risk to the insurance company when you cause an accident, get a speeding ticket, or drive under the influence. If you have too many accidents or a DUI on your record, you may also need to file an SR-22 insurance form in Indiana. In Lafayette, car insurance rates tend to rise after one of these incidents.

Find Cheap Car Insurance in Lafayette

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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 $99 per month for liability insurance and $186 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners$25$33
State Farm$27$35
USAA$28$37
GEICO$30$40
American Family$39$51
Clearcover$44$59
Progressive$49$65
Travelers$53$70
Farmers$55$72
National General$55$71
Dairyland$59$78
Direct Auto$62$82
Allstate$63$83
Midvale Home & Auto$65$89
Nationwide$68$91
GAINSCO$72$105
Elephant$73$106
Safeco$73$98
The General$73$98
Liberty Mutual$76$110
CSAA$78$106
Bristol West$87$114
Foremost$105$153
AssuranceAmerica$117$158
State Auto$130$186
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 $98 per month for liability insurance and $185 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners$25$34
State Farm$27$36
USAA$28$38
GEICO$30$41
American Family$39$53
Clearcover$44$63
Progressive$49$67
Travelers$53$72
Farmers$55$74
National General$55$74
Dairyland$59$80
Direct Auto$62$86
Allstate$63$85
Midvale Home & Auto$65$93
Nationwide$68$93
GAINSCO$72$94
Elephant$73$97
Safeco$73$96
The General$73$101
Liberty Mutual$76$112
CSAA$78$110
Bristol West$87$116
Foremost$105$155
AssuranceAmerica$117$159
State Auto$130$193
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 $112 per month for liability insurance and $210 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners$25$42
State Farm$27$45
USAA$28$47
GEICO$30$50
American Family$39$65
Clearcover$44$74
Progressive$49$82
Travelers$53$89
Farmers$55$92
National General$55$92
Dairyland$59$99
Direct Auto$62$104
Allstate$63$106
Midvale Home & Auto$65$109
Nationwide$68$114
GAINSCO$72$121
Elephant$73$122
Safeco$73$122
The General$73$122
Liberty Mutual$76$127
CSAA$78$131
Bristol West$87$146
Foremost$105$176
AssuranceAmerica$117$196
State Auto$130$218
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 $46 per month for liability insurance and $87 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$18$34
State Farm$19$36
USAA$20$39
GEICO$22$41
American Family$28$53
Clearcover$32$53
Progressive$32$61
Travelers$38$72
Farmers$39$75
National General$40$81
Dairyland$43$116
Direct Auto$44$85
Midvale Home & Auto$45$72
Allstate$46$88
Nationwide$46$90
Elephant$53$81
GAINSCO$54$102
Safeco$54$103
Liberty Mutual$55$126
The General$55$129
CSAA$56$99
Bristol West$64$145
Foremost$75$159
AssuranceAmerica$81$113
State Auto$91$129
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 $116 per month for liability insurance and $218 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$42$81
State Farm$45$85
USAA$45$88
GEICO$46$86
American Family$67$129
Clearcover$84$137
Progressive$87$167
Travelers$93$178
Farmers$95$181
Dairyland$97$259
National General$102$205
Allstate$108$206
Direct Auto$111$214
Midvale Home & Auto$111$177
Nationwide$114$221
The General$116$272
Elephant$118$181
CSAA$125$223
GAINSCO$126$238
Liberty Mutual$138$314
Bristol West$145$330
Safeco$149$284
Foremost$182$387
AssuranceAmerica$213$298
State Auto$226$319
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 $97 per month, which is similar the overall state average of $105 per month.

More cities in Indiana

Here’s how auto insurance rates in Lafayette compare to rates in other Indiana cities.

CityFull CoverageLiability Only
Evansville$141$74
Fort Wayne$146$74
Indianapolis$160$77
Muncie$125$64
South Bend$136$65
Terre Haute$121$66
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 $67 per month for liability coverage and $126 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 $25, $27, and $28 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.

Sources

  1. J.D. Power. "2023 U.S. Auto Claims Satisfaction Study."
  2. J.D. Power. "2023 U.S. Auto Insurance Study."
  3. J.D. Power. "2022 U.S. Auto Claims Satisfaction Study."
  4. III. "What determines the price of an auto insurance policy?."
  5. Indiana Bureau of Motor Vehicles. "Proof of Financial Responsibility."
  6. III. "Do auto insurance premiums go up after a claim?."
  7. Centers for Disease Control and Prevention. "Older Adult Drivers."
  8. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  9. Indiana Department of Insurance. "Use of Credit Information in Underwriting and Rating Insurance Policies."
  10. Nolo. "Indiana Auto Insurance Requirements."
Kim Porter
Kim Porter

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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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