West Lafayette, IN Car Insurance

On average, drivers in West Lafayette pay around $48 per month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
How does West Lafayette stack up to the rest of the area, or even Indiana as a whole? What rates should residents of West Lafayette expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in West Lafayette?

Area Average Monthly Car Insurance Premium
West Lafayette$48
IN$51
United States$80

As you can see in the chart above, car insurance rates in West Lafayette are slightly less expensive than the rest of Indiana.

Compared to the rest of the country, auto insurance in West Lafayette is more affordable. It's around $32 less to insure your vehicle compared to the average rate for the United States as a whole.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

We've broken down the average rates for West Lafayette to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$66
25-34$40
35-44$37
45-54Not Enough Data
55-64$29
65+$40

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may creep back up in West Lafayette.

Average Car Insurance Rates by Gender

Gender Average
Male$49
Female$44

On average, female drivers pay slightly less than male drivers for car insurance. The difference in West Lafayette is about $5 per month. Based on the chart above, you can see that female drivers pay around $44 on average, while male drivers typically pay $49 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$50
Multiple AccidentsNot Enough Data
1 Ticket$60
Multiple Tickets$64

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In West Lafayette, having a single accident on your record will usually get you rates around $50 a month. In addition, drivers with one ticket can expect to pay around $60 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$52
2-3 Years$46
4-5 Years$56
6-7 Years$46
8-10 Years$52
11-14 Years$46
15 Years or Older$45

The cheapest vehicles to insure in West Lafayette are typically trucks and vans, with each type typically costing about $36 per month.

SUV drivers will see rates of about $47 for car insurance, while car owners usually pay around $48 a month.

Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In West Lafayette, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$50
Married$41
Divorced$34
Widowed$42

More often than not, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in West Lafayette is about $9 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$42
Rent$49
Live with parents$53

One other element taken into consideration is your living situation. Renters can expect to pay around $7 a month more than drivers who own property in West Lafayette. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in West Lafayette, IN

Recent trends in car insurance for West Lafayette drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

In West Lafayette, car insurance rates had been decreasing from 2016-2017, before steadying out in 2018. Insurance rates decreased again recently, hitting a low of $43 in 2021.

How does West Lafayette compare to neighboring areas?

Why are car insurance rates in West Lafayette different from other areas?

There are a variety of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Area regulations
  • Crime rates
  • Frequency of car accidents
  • Total number of drivers in the community
  • Off-street parking accessibility

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in West Lafayette?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in West Lafayette.

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West Lafayette Insurance FAQs

What factors affect car insurance quotes in West Lafayette?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in West Lafayette different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in West Lafayette?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to West Lafayette?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to West Lafayette or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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