Cheap Auto Insurance Quotes in Lafayette, IN (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Home to Purdue University and known for its large role in the country’s agricultural industry, Lafayette is a popular city. With just over 72,000 people calling it home, traffic can be a bit tricky at times. However, Lafayette features many main roads laid out in an organized fashion, making alternate routes easy to learn. Even in this easy-to-navigate city, it’s smart to have great car insurance in the event of an accident.

Car Insurance in Lafayette, IN

The average cost of Indiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lafayette, IN to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Lafayette, IN

Here are the cheapest carriers in Lafayette for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Lafayette, IN

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Lafayette. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Lafayette, IN Driving Facts

Minimum Car Insurance Requirements in IN

Indiana drivers must purchase car insurance and must carry proof of financial responsibility in their vehicles. Unlike many states, Indiana requires uninsured motorist protection in addition to property damage liability and bodily injury liability coverage. 

Motorists are required to purchase auto insurance coverage meeting these minimums:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two or more persons
  • $25,000 for property damage liability
  • $50,000 Uninsured Motorist Coverage
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Lafayette, IN DMV Information

Located to the north of the city center, two DMV branches serve residents in Lafayette (although here they’re referred to as BMV offices). The main location is open on Tuesdays from 8:30 a.m. to 6:30 p.m. and Wednesday through Friday from 8:30 a.m. to 5 p.m. Saturdays it’s open from 8:30 a.m. to 12:30 p.m. The West Lafayette branch operates at the same times, making it easy for people to get their tasks completed.

Public Transportation in Lafayette, IN

College students often don’t have their own vehicles, and the CityBus system in Lafayette has kept this in mind. Multiple routes run across the city along with a specific campus loop designed for Purdue students. A real-time tracking tool ensures that you never miss your ride either! If you need a more private method of transportation, taking an Uber or a Lyft is the best option.

Conclusion: How to get the best and cheapest car insurance in Lafayette, IN

With a low cost of living and beautiful surroundings, Lafayette is an idyllic place for many. Driving around town is often a breeze, but keep in mind that rush hour and inclement weather can both pose risks on the road. It’s always smart to evaluate your auto insurance coverage every so often to make sure you have the protection you need.

Motorists happy with their level of coverage but looking to save money can see how their policy compares using Insurify. After answering a few simple questions, you’ll be able to view quotes from multiple carriers and just might find an even better policy for your needs.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Lafayette stacks up for the state of Indiana:

Green Driving in Lafayette, IN

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The Indiana Department of Environmental Management and Hoosier Environmental Council are among the many groups advancing green initiatives in Indiana. The state consistently ranks relatively low for eco-friendliness and quality of life, but some parts of the state are clear exceptions to the rule. The state of Indiana offers many green driver incentives, including federal tax credits, rebates, and discounts through some car insurance carriers.

Greenes Cities

Lafayette

Greenes Cities
% of Hybrids / Electrics
2%

FAQs - Lafayette, IN Car Insurance

Is car insurance in Lafayette more expensive than in other parts of the country?

Drivers in this city tend to pay right around the national average for their coverage. Keep in mind that your policy premium is affected by a number of factors, including your driving history and the type of vehicle you wish to cover.

What is the minimum coverage required to drive in Lafayette?

Indiana mandates that drivers carry a wide range of options on their car insurance policy, including bodily injury, property damage, and uninsured/underinsured coverage. You may also purchase additional types of protection based on your driving habits.

How can I get the best rates on car insurance in Lafayette?

Shopping for a great deal on auto coverage is easy with Insurify. Simply answer a few questions, and you can view real-time quotes from multiple companies at once. Save time and money with Insurify.