Cheap Auto Insurance Quotes in Lafayette, IN (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$23
$53
$95
$116
$125
ProgressiveState FarmTravelersNationwideThe General
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$106
$120
$109
$109
$108
$82
IndianaIndianapolisFort WayneEvansvilleSouth BendLafayette
Monthly $

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Lafayette, IN Driving Facts

indiana

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.

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.

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.

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.

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

ford
Ford F-Series Pickup
Most Popular Car in
Lafayette, IN
suspended licenses
#11
Cities with Most
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 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 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 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: 4.25%
  • 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 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 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 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 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 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 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%

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.