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Cheap Auto Insurance Quotes in Lafayette, IN (January 2022)
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Last Updated: January 2022
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.
$23
$53
$95
$116
$125
ProgressiveState FarmTravelersNationwideThe General
See More: Cheap Car Insurance Indiana
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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!
| Insurance Provider in Lafayette | |
|---|---|
Progressive | $23/mo |
 State Farm | $53/mo |
 Travelers | $95/mo |
 Nationwide | $116/mo |
 The General | $125/mo |
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.
| Best Companies | ||
|---|---|---|
 American Family | $140/mo | |
 Liberty Mutual | $158/mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Indianapolis | $120/mo |
| Fort Wayne | $109/mo |
| Evansville | $109/mo |
| South Bend | $108/mo |
| Lafayette | $82/mo |
| Indiana | $106/mo |
$106
$120
$109
$109
$108
$82
IndianaIndianapolisFort WayneEvansvilleSouth BendLafayette
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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
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.
| Driver's Age | |
|---|---|
| teens | $275 |
| 20s | $147 |
| 30s | $110 |
| 40s | $142 |
| 50s | $147 |
| 60s | $111 |
| 70s | $128 |
| 80s | N/A |
| Driving History | |
|---|---|
| No Violation | $137 |
| Speeding Ticket | $172 |
| At-Fault Accident | $187 |
| Failure to Stop for Red Light / Stop Sign | $219 |
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.
See More: High-risk Car Insurance Indiana
See More: 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.
| Credit Tie | |
|---|---|
| Excellent | $174 |
| Good | $118 |
| Average | $157 |
| Poor | $142 |
See More: Bad Credit Car Insurance Indiana
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.
Find local Lafayette agents
ISU - Underwood Agency Inc
3990 SR 38 East Suite 5A, Lafayette, IN 47905
Wilmington Insurance Agency, Inc.
551 Beck Lane, Suite C, Lafayette, IN 47909
Epic Insurance Midwest (Lafayette)
2663 Duncan Rd, Lafayette, IN 47904-1044
RME Insurance
2812 Main St., Lafayette, IN 47904
Lafayette Insurance - Joe Couch Insurance Agency
3111 Builder Dr #6, Lafayette, IN 47909
ONI Risk Partners
3553 Promenade Pkwy, Lafayette, IN 47909
McGowan Insurance LLC
3613 S 18th St STE E, Lafayette, IN 47909-7365
Henriott Group, Inc.
Renaissance Place, Ste. 650, Lafayette, IN 47901
Bob Byrd Insurance, Inc.
34 Executive Dr #A, Lafayette, IN 47905-0700
Bergstrom Insurance
213 S 18th Street, Suite A, Lafayette, IN 47905-1131
Insurify Insights: How Lafayette Drivers Measure Up
Lafayette, IN
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lafayette drivers measure up to their fellow Indiana motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Lafayette
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lafayette drivers rank 4 in the number of car accidents per driver across all cities in Indiana.
- Rank within state: #4
- Percent of drivers in Lafayette with an accident: 13.84%
- Drivers in Lafayette, IN with an accident in their driving history paid on average 39.67% more than drivers with a clean record
Speeding in Lafayette
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Indiana, Lafayette drivers rank 13 in the number of speeding infractions per driver.
- Rank within state: #13
- Percent of drivers in Lafayette with a speeding ticket: 10.41%
- Drivers in Lafayette, IN with a speeding ticket in their driving history paid on average 27.27% more than drivers with a clean record
DUI/DWIs in Lafayette
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lafayette drivers rank 1 in the number of DUI’s per driver across all cities in Indiana.
- Rank within state: #1
- Percent of drivers in Lafayette with a DUI: 3.6%
- Drivers in Lafayette, IN with a DUI in their driving history paid on average 5.79% more than drivers with a clean record
Most Popular Vehicle in Lafayette
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lafayette is the Ford F-Series Pickup.
Rude Drivers in Lafayette
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Indiana, Lafayette drivers rank 8 in rude driving infractions.
- Rank within state: #8
- Percent of drivers in Lafayette with a reckless driving violation: 1.92%
- Drivers in Lafayette, IN with a reckless driving violation in their driving history paid on average -82.64% more than drivers with a clean record.
Safest Drivers in Lafayette
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lafayette drivers rank 13 in clean driving records across all cities in Indiana.
- Rank within state: #13
- Percent of drivers in Lafayette with clean record: 74.38%
Failure to Yield the Right of Way in Lafayette
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lafayette drivers rank 11 in failure to yield violations per driver across all cities in Indiana.
- Rank within state: #11
- Percent of drivers in Lafayette with a failure to yield violation: 0.14%
- Drivers in Lafayette, IN with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record
Reckless Drivers in Lafayette
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Indiana, Lafayette drivers rank 3 in the number of reckless driving offenses per driver.
- Rank within state: #3
- Percent of drivers in Lafayette with a reckless driving offense: 0.27%
Hybrid/Electric Vehicle Ownership in Lafayette
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lafayette drivers rank 15 in hybrid and electric vehicle ownership across all cities in Indiana.
- Rank within state: #15
- Percent of drivers in Lafayette with a hybrid/electric vehicle: 0.95%
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.
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.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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