Cheap Auto Insurance Quotes in Lafayette, IN (2023)

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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• Cheap Car Insurance Indiana

• Compare Car Insurance

Cheapest Car Insurance in Lafayette, IN

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in Lafayette. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Indiana

Lafayette Car Insurance Rates by Driver Age

Working teens should be able to pay the $274 per month car insurance payment and still have a bit of spending money left over. In Lafayette, the price goes down as the number of years behind the wheel increases. For this reason, twentysomethings see a $125 cut from what the youngest drivers shell out. From then on, everyone spends less than the state average of $162 per month. People in their 30s snatch the best deal, with a price that’s less than half what teen drivers pay.

Lafayette Car Insurance Rates by Driving and Accident History

Hoosiers realize that safe driving pays in more ways than one. Drivers love the peace of mind that comes from defensive driving, and insurance companies grant “good driver” and “accident-free” discounts to the safest folks on the road. But one fender bender could destroy the deals because an at-fault accident kicks the rate up $50 per month. Worse still, a failure to stop moves the premium to $219. Fortunately, just three years of careful driving, and accidents and tickets stop affecting rates.

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• High-risk Car Insurance Indiana

• DUI Car Insurance Indiana

Lafayette Car Insurance Rates by Credit Tier

Should credit be used to decide a driver’s rate? “Yes,” answers the Hoosier State. The law allows insurance companies to factor credit in when setting premiums. Usually, the people with the best credit pay the least. But in Lafayette, those with excellent credit pay the most. That’s likely because people with excellent credit may finance costlier cars and need more coverage to protect their assets. Regardless, moving from average to good credit will save drivers over $30 per month, or $360 per year.

See More: Bad Credit Car Insurance Indiana

Find local Lafayette agents

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.

For more detailed Indiana city level guides, check out these below.

• Average Cost of Car Insurance Rates in Indiana

• DUI Car Insurance Rates in Indiana

• High-Risk Driver Car Insurance Rates in Indiana

• Indiana Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Indiana

• SR-22 Insurance in Indiana

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.