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Get Cheap Car Insurance in Lafayette, KY
We monitor insurance prices, helping the average driver in Lafayette save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Lafayette
The chart below shows the cheapest car insurance company in Lafayette for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by State Farm, Travelers, and Geico.
| Lafayette Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $56 |
| State Farm | $56 |
| Travelers | $83 |
| Geico | $89 |
Savings for Every Kind of Lafayette Driver
Based on our extensive insurance data, we know the average Lafayette driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $501 per year by choosing the right vehicle insurance company. Some Lafayette residents are paying out over $1,984 extra every year for auto insurance in Lafayette. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lafayette, KY Savings / Yr. |
|---|---|
$501 |
|
$822 |
|
$809 |
|
$818 |
|
$1,619 |
|
$542 |
|
$868 |
Lafayette Car Insurance vs. Kentucky
People living in Lafayette pay an average of 7.05% less than the typical driver in the state. The average driver in Lafayette can expect to pay about $1,022 per year, or $1,984 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Lafayette for most people.
Car Insurance Prices by Lafayette Neighborhood
Insurance Prices
Where is insurance cheapest within Lafayette?
The map shows insurance prices in and around Lafayette, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,984 to a low of $1,984. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Lafayette.Pick the Best Car Insurance Company for You in Lafayette
The best car insurance provider for most drivers in Lafayette
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $501 over the average Lafayette car insurance company.
The best car insurance provider for Lafayette drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $822 over the competition.
The best car insurance company for Lafayette drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $809 better than other car insurance companies.
The best auto insurance for Lafayette drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $818 less each year.
The least expensive car insurance company for new and young drivers in Lafayette
In Lafayette, State Farm costs young drivers $1,619 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lafayette
State Farm gave the largest car insurance discounts to married couples, averaging $542 saved each year compared to an average Lafayette couple's premiums.
The cheapest car insurance in Lafayette for drivers with bad credit
The best Lafayette car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lafayette
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Lafayette driver can expect to pay about $144 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Lafayette, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, young drivers, and good drivers.Auto Insurance Prices in and Around Lafayette
What Influences the Cost of Car Insurance in Lafayette?
On average, car insurance in Lafayette is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Lafayette is 26 minutes, which is far less than average for a driver in the state.
- Kentucky state insurance regulations may require higher prices.
- An average of 3 to 4 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Lafayette are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Lafayette is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Lafayette is $85 per month for minimum coverage and $165 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Herndon: Insurance costs 0.10% more
- Peedee: Insurance costs 0.35% more
- Howel: Insurance costs the same
- Legate: Insurance costs 33.37% less
- Big Rock: Insurance costs 33.06% less
- Fort Campbell North: Insurance costs 11.84% more
- Wyatts Chapel: Insurance costs 33.01% less
- Indian Mound: Insurance costs 33.27% less
- Oakwood: Insurance costs 32.56% less
- Fort Campbell: Insurance costs 31.75% less
Cities with Similar Populations
- Quihi: Insurance costs 17.74% less
- Mystic: Insurance costs 5.70% more
- Neola: Insurance costs 9.98% less
- Neptune: Insurance costs 39.77% less
- Neuern: Insurance costs 46.52% less
- Neva: Insurance costs 31.70% less
- New City: Insurance costs 29.99% less
- New Gottland: Insurance costs 23.29% less
- New Home: Insurance costs 14.26% less
- North Cove: Insurance costs 37.55% less