Compare West Lafayette, OH Car Insurance Rates [2024]
Car insurance in West Lafayette, OH averages $236 a month. West Lafayette, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap West Lafayette car insurance rates, compare quotes from the top car insurance companies in West Lafayette, OH.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in West Lafayette, OH are $2,831/year
- The cheapest car insurance company in West Lafayette is USAA
- Average car insurance rates in West Lafayette, OH after a DUI are $3,290/year
If you need to buy West Lafayette, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in West Lafayette, OH is right here.
You’ll find West Lafayette car insurance rates, the cheapest West Lafayette, OH car insurance companies, and information on Ohio car insurance laws. You can also compare West Lafayette, Ohio car insurance rates to Columbus car insurance rates, Cleveland car insurance rates, and Cincinnati car insurance rates.
Ready to find affordable West Lafayette, OH car insurance today? Enter your ZIP code for fast, free West Lafayette car insurance quotes.
Cheapest West Lafayette, OH Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect West Lafayette, OH car insurance rates? Every West Lafayette, Ohio car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,274 | $2,275 | $2,028 | $2,172 | $6,189 | $7,094 | $2,421 | $2,609 |
| American Family | $908 | $943 | $820 | $826 | $2,663 | $2,897 | $1,117 | $1,177 |
| Farmers | $1,827 | $1,824 | $1,611 | $1,698 | $7,892 | $8,184 | $2,044 | $2,139 |
| Geico | $1,322 | $1,284 | $1,232 | $1,237 | $3,519 | $3,281 | $1,469 | $1,252 |
| Liberty Mutual | $2,200 | $2,405 | $1,691 | $2,056 | $11,308 | $12,794 | $2,348 | $2,574 |
| Nationwide | $2,108 | $2,122 | $1,900 | $1,918 | $5,290 | $6,843 | $2,263 | $2,640 |
| Progressive | $1,694 | $1,609 | $1,408 | $1,452 | $7,273 | $8,201 | $2,035 | $2,100 |
| State Farm | $1,612 | $1,612 | $1,431 | $1,431 | $4,862 | $6,118 | $1,868 | $2,140 |
| Travelers | $1,507 | $1,530 | $1,495 | $1,485 | $6,428 | $10,116 | $1,569 | $1,803 |
| USAA | $839 | $846 | $798 | $797 | $2,571 | $2,863 | $1,119 | $1,210 |
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Minimum Car Insurance in West Lafayette, OH
Every driver must carry the minimum car insurance in West Lafayette, OH. Take a look at the Ohio car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest West Lafayette, OH Car Insurance Rates by Credit Score
Your credit affects car insurance costs in West Lafayette, OH. Compare credit history car insurance rates in West Lafayette from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,357 | $3,153 | $2,639 |
| American Family | $1,881 | $1,287 | $1,089 |
| Farmers | $3,862 | $3,250 | $3,095 |
| Geico | $2,187 | $1,824 | $1,462 |
| Liberty Mutual | $6,712 | $4,095 | $3,208 |
| Nationwide | $3,783 | $3,049 | $2,575 |
| Progressive | $3,634 | $3,121 | $2,909 |
| State Farm | $3,755 | $2,320 | $1,828 |
| Travelers | $3,629 | $3,153 | $2,943 |
| USAA | $1,792 | $1,268 | $1,081 |
Cheapest West Lafayette, OH Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in West Lafayette, OH to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,861 | $3,438 | $4,010 | $3,222 |
| American Family | $1,360 | $1,438 | $1,438 | $1,438 |
| Farmers | $2,809 | $3,610 | $3,522 | $3,669 |
| Geico | $1,244 | $1,788 | $2,571 | $1,695 |
| Liberty Mutual | $3,929 | $5,030 | $5,151 | $4,578 |
| Nationwide | $2,508 | $3,197 | $4,062 | $2,776 |
| Progressive | $2,782 | $3,762 | $2,959 | $3,382 |
| State Farm | $2,411 | $2,859 | $2,635 | $2,635 |
| Travelers | $2,387 | $3,110 | $4,693 | $2,778 |
| USAA | $1,062 | $1,422 | $1,861 | $1,176 |
Cheapest West Lafayette, OH Car Insurance for Teen Drivers
Teen car insurance in West Lafayette, OH can be expensive. Take a look at rates from the top car insurance companies in West Lafayette for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,189 | $7,094 |
| American Family | $2,663 | $2,897 |
| Farmers | $7,892 | $8,184 |
| Geico | $3,519 | $3,281 |
| Liberty Mutual | $11,308 | $12,794 |
| Nationwide | $5,290 | $6,843 |
| Progressive | $7,273 | $8,201 |
| State Farm | $4,862 | $6,118 |
| Travelers | $6,428 | $10,116 |
| USAA | $2,571 | $2,863 |
Cheapest West Lafayette, OH Car Insurance for Seniors
Take a look at West Lafayette, OH senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,028 | $2,172 |
| American Family | $820 | $826 |
| Farmers | $1,611 | $1,698 |
| Geico | $1,232 | $1,237 |
| Liberty Mutual | $1,691 | $2,056 |
| Nationwide | $1,900 | $1,918 |
| Progressive | $1,408 | $1,452 |
| State Farm | $1,431 | $1,431 |
| Travelers | $1,495 | $1,485 |
| USAA | $798 | $797 |
Cheapest West Lafayette, OH Car Insurance Rates After a DUI
A DUI in West Lafayette, OH increases car insurance rates. Compare West Lafayette, Ohio DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,010 |
| American Family | $1,438 |
| Farmers | $3,522 |
| Geico | $2,571 |
| Liberty Mutual | $5,151 |
| Nationwide | $4,062 |
| Progressive | $2,959 |
| State Farm | $2,635 |
| Travelers | $4,693 |
| USAA | $1,861 |
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Cheapest West Lafayette, OH Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in West Lafayette, OH by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,383 | $3,383 |
| American Family | $1,402 | $1,436 |
| Farmers | $3,402 | $3,402 |
| Geico | $1,792 | $1,857 |
| Liberty Mutual | $4,672 | $4,672 |
| Nationwide | $3,136 | $3,136 |
| Progressive | $3,221 | $3,221 |
| State Farm | $2,571 | $2,699 |
| Travelers | $3,242 | $3,242 |
| USAA | $1,328 | $1,433 |
The Best Cheap Car Insurance Companies in West Lafayette, OH
Take a look at a side-by-side comparison of the top car insurance companies in West Lafayette, OH to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,383 |
| American Family | $1,419 |
| Farmers | $3,402 |
| Geico | $1,824 |
| Liberty Mutual | $4,672 |
| Nationwide | $3,136 |
| Progressive | $3,221 |
| State Farm | $2,635 |
| Travelers | $3,242 |
| USAA | $1,380 |
Category Winners: Cheapest Car Insurance in West Lafayette, Ohio
Find the cheapest car insurance companies in West Lafayette, OH for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
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Cheapest West Lafayette, OH Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your West Lafayette car insurance rates. Find the cheapest West Lafayette, OH car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,299 | $3,377 | $3,472 |
| American Family | $1,401 | $1,430 | $1,426 |
| Farmers | $3,230 | $3,350 | $3,626 |
| Geico | $1,771 | $1,817 | $1,886 |
| Liberty Mutual | $4,505 | $4,694 | $4,817 |
| Nationwide | $3,466 | $3,040 | $2,901 |
| Progressive | $3,113 | $3,197 | $3,353 |
| State Farm | $2,521 | $2,642 | $2,741 |
| Travelers | $3,162 | $3,284 | $3,279 |
| USAA | $1,323 | $1,379 | $1,440 |
What affects car insurance rates in West Lafayette, Ohio?
What factors can have an impact on West Lafayette, OH car insurance? There are several reasons why West Lafayette car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in West Lafayette, Ohio.
Commute Time in West Lafayette
The more time you spend in your car the higher the risk of an accident. The average commute length in West Lafayette, OH is 23.2 minutes according to City-Data.
Compare Car Insurance Quotes in West Lafayette, OH
Ready to find affordable West Lafayette, Ohio car insurance today? Enter your ZIP code for fast, free West Lafayette, OH car insurance quotes.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
Is it necessary to notify my insurance company if I move to West Lafayette, OH?
Notify your insurance company when you move to West Lafayette, OH to ensure your policy reflects the location’s requirements and premiums.
How can I save money on car insurance in West Lafayette, OH?
To save money on car insurance in West Lafayette, OH, compare quotes, maintain a clean driving record, consider higher deductibles, and inquire about available discounts.
Are there any discounts available to lower car insurance rates in West Lafayette, OH?
Discounts, such as safe driver, multi-policy, and anti-theft device discounts, can help lower car insurance rates in West Lafayette, OH.
Do I need full coverage insurance if my car is financed in West Lafayette, OH?
Full coverage insurance may be required for financed cars in West Lafayette, OH. Check with your lender for specific requirements.
What are the minimum car insurance requirements in West Lafayette, Ohio?
The minimum car insurance requirements in West Lafayette, OH are $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability.
Which car insurance company offers the cheapest rates in West Lafayette, OH?
According to the provided information, USAA is the cheapest car insurance company in West Lafayette, OH. However, insurance rates can vary based on individual circumstances, so it’s crucial to compare quotes from multiple companies to find the best rates for your specific needs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.