Cheapest Car Insurance Quotes in Lafayette

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Lafayette Car Insurance

^$ 50

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Lafayette

The car insurance rate in Lafayette is $1100 for a six-month policy, which is $220 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $483, making it a popular choice for budget-conscious drivers. Rates in Lafayette can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Lafayette

$1100

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Lafayette

1st place: Kemper

At $483 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Capital Insurance Group

Capital Insurance Group offers auto insurance rates at $765 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $846 for six months, making it the third cheapest auto insurance company in Lafayette.

Lafayette Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lafayette, OR is Kemper, offering policies at just $483 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $765.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2094 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lafayette drivers find the best deals.

Cheap Car Insurance Companies in Lafayette, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$483	$83
Capital Insurance Group	$765	$128
American Family	$846	$143
Travelers	$950	$160
Progressive	$973	$164
Encompass	$1010	$169
USAA	$1040	$175
Nationwide	$1048	$176
State Farm	$1054	$178
Country Financial	$1076	$181
Mutual of Enumclaw	$1389	$236
Farmers	$1589	$268
Allstate	$2094	$353

Key Takeaways

Way's key takeaways about car insurance in Lafayette

The auto insurance costs in Lafayette fall around $483 for six months.
The cheapest auto insurance company in Lafayette is Kemper.
Teen drivers pay the highest rate in Lafayette at $1263 per month.

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Cheapest Minimum Liability Car Insurance in Lafayette

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Lafayette are given below.

Kemper provides the cheapest minimum car insurance coverage in Lafayette. Their Average 6 Month Premium is $298. Allstate is the most expensive at $1106 for the same period.

Cheapest Liability Coverage in Lafayette, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$298	$50
Capital Insurance Group	$394	$68
State Farm	$424	$71
USAA	$424	$71
American Family	$445	$75
Travelers	$445	$75
Progressive	$453	$76
Country Financial	$528	$89
California Casualty	$564	$94
Nationwide	$594	$100
Farmers	$824	$139
Allstate	$1106	$186

Cheapest Full Coverage Car Insurance in Lafayette

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Lafayette is Kemper at $83 per month and $483 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lafayette, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$483	$83
Capital Insurance Group	$765	$128
American Family	$846	$143
Travelers	$950	$160
Progressive	$973	$164
Encompass	$1010	$169
USAA	$1040	$175
Nationwide	$1048	$176
State Farm	$1054	$178
Country Financial	$1076	$181
Mutual of Enumclaw	$1389	$236
Farmers	$1589	$268
Allstate	$2094	$353

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Average Car Insurance in Lafayette by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Lafayette, OR increasing?

Despite maintaining a clean driving record, your car insurance rates in Lafayette, Oregon, may be increasing due to several external factors. Oregon has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Lafayette's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lafayette

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$718
30s	USAA	$585
40s	USAA	$543
50s	USAA	$521
60s	USAA	$543
70s	USAA	$660

Cheapest Car Insurance Rates for Teen Drivers in Lafayette,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lafayette at $46 per month. At $7499 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$275	$46
Capital Insurance Group	$468	$78
Country Financial	$1545	$260
USAA	$1641	$276
Travelers	$1664	$280
State Farm	$1968	$331
American Family	$2428	$409
Progressive	$2539	$428
Nationwide	$4849	$825
Allstate	$7499	$1263
Farmers	$7499	$1263

Teen Car Insurance Rates in OR by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Lafayette.

As young drivers face the highest rates in Lafayette, USAA offers the cheapest auto insurance rates at $718 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Lafayette, Kemper is the cheapest car insurance provider. At $498 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Lafayette is State Farm, offering rates of around $5064 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$498	$83
Capital Insurance Group	$579	$99
Nationwide	$720	$120
Progressive	$1069	$180
American Family	$1300	$219
Country Financial	$1425	$240
Travelers	$1500	$253
USAA	$1871	$319
Allstate	$3809	$635
Farmers	$4046	$688
State Farm	$5064	$844

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Car Insurance Rates with An Accident in Lafayette

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Lafayette, OR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lafayette

The cheapest car insurance companies after an at-fault accident in Lafayette include Kemper and Capital Insurance Group, offering $394 and $468, respectively. Allstate is an expensive provider with an average six-month premium of $3311.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$394	$65
Capital Insurance Group	$468	$80
Capital	$528	$88
Encompass	$586	$100
State Farm	$803	$135
Travelers	$891	$150
USAA	$943	$159
Progressive	$1054	$178
American Family	$1188	$200
Nationwide	$1188	$200
Country Financial	$1248	$210
Farmers	$2725	$459
Allstate	$3311	$558

Lafayette Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lafayette OR. For example, the car insurance in Lafayette after a DUI increases to $778 for a six month policy. While the rate increases by $281 for a six-month policy in the case of a speeding ticket.

Lafayette auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1048	$175
One Med/PIP claim	$1048	$178
Not-at-fault accident	$1084	$181
One comp claim	$1106	$188
Two Med/PIP claims	$1121	$186
Failure to wear a seat belt	$1195	$204
Two comp claims	$1225	$204
Child safety restraint	$1240	$211
Failure to show documents	$1240	$206
Driving without lights	$1248	$213
Driving with expired registration	$1278	$213
Speeding 11 - 15 MPH over limit	$1329	$226
Speeding 16 - 20 MPH over limit	$1329	$221
Speeding 6 - 10 MPH over limit	$1329	$226
Cell phone violation	$1336	$223
Driving too slowly	$1336	$228
Failure to yield	$1336	$223
Following too closely	$1336	$228
Illegal turn	$1336	$223
Texting while driving	$1336	$228
Wrong way/wrong lane	$1336	$223
Failure to stop at a red light	$1344	$229
Improper passing	$1344	$224
Passing school bus	$1396	$238
Speeding in school zone	$1396	$233
In 65 MPH zone	$1419	$241
Speeding 21 - 25 MPH over limit	$1425	$238
Open container	$1470	$250
At-fault accident - less than $1000	$1508	$251
Operating a vehicle without permission	$1515	$258
At-fault accident - $1000-$2000	$1604	$268
At-fault accident - greater than $2000	$1604	$273
Refusal to submit to a chemical test	$1796	$300
Racing	$1804	$306
DUI	$1826	$305
Reckless driving	$1834	$311
Driving with a suspended license	$1849	$309
Leaving scene of an accident/hit and run	$1909	$325

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Lafayette after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Lafayette.

The cheapest car insurance premiums in Lafayette are offered by Capital Insurance Group at $543 for a six-month policy. However, it can be as expensive as $2918 with companies like Nationwide.

Lafayette car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$543	$93
Kemper	$669	$111
Progressive	$831	$140
Travelers	$1069	$180
State Farm	$1121	$189
American Family	$1255	$211
USAA	$1396	$235
Farmers	$2621	$441
Country Financial	$2665	$449
Allstate	$2695	$454
Nationwide	$2918	$496

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Lafayette are offered by Kemper at $364. However, it can be as expensive as $3408 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lafayette after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$364	$61
Capital Insurance Group	$438	$75
Nationwide	$594	$99
State Farm	$698	$118
Progressive	$891	$150
American Family	$899	$151
Travelers	$1084	$183
USAA	$1099	$186
Country Financial	$1144	$193
Allstate	$2725	$464
Farmers	$3408	$568

Car Insurance Price Trends in Lafayette, Oregon

Car insurance rates in Lafayette have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lafayette rose by $249 in January compared to $240 of December. In other words, there has been an increase by $9 when you compare January and December.

The average cost of liability insurance in the Lafayette remained steady at $89 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Lafayette?

The car insurance in Lafayette is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Lafayette?

The cheapest car insurance in Lafayette is $83 per month for full coverage.

How much is car insurance in Lafayette for teenagers?

Car insurance for teenagers costs $275 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Lafayette?

The average cost of car insurance is $880 for a six-month policy. It will cost around $185 per month to insure your car in Lafayette.

Is car insurance expensive in Lafayette?

Car insurance can be expensive in Lafayette if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lafayette can be affordable.

What is the best car insurance in Lafayette, OR?

The best car insurance company in Lafayette OR is Kemper, offering $483 for a six-month policy.