Best Cheap Auto Insurance in Lafayette, NJ (2021)

The average Lafayette, NJ auto insurance rates are $394 per month. The minimum auto insurance in Lafayette is at least 15/30/5 in coverage to comply with New Jersey auto insurance laws. To find the best cheap auto insurance in Lafayette, New Jersey, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Lafayette, New Jersey is 15/30/5
  • The most expensive auto insurance company in Lafayette for teen drivers is Farmers
  • The cheapest auto insurance company in Lafayette is GEICO

Lafayette, New Jersey auto insurance requirements are 15/30/5 according to New Jersey auto insurance laws. Finding cheap auto insurance in Lafayette can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lafayette, New Jersey, including driving record, credit, commute time, and more.

Compare auto insurance in Lafayette to other New Jersey cities, including Paterson auto insurance rates, Passaic auto insurance rates, and Bayonne auto insurance rates to see how Lafayette, New Jersey auto insurance rates stack up.

Before you buy Lafayette, New Jersey auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lafayette, New Jersey auto insurance quotes.

Minimum Auto Insurance in Lafayette, New Jersey

Lafayette, New Jersey auto insurance laws require that you have at least the New Jersey minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lafayette, New Jersey.

Minimum Required Auto Insurance Coverage in Lafayette, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Lafayette, New Jersey Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lafayette, New Jersey are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lafayette, New Jersey

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 $2,881 $2,868 $2,767 $2,767 $9,085 $11,381 $3,360 $3,526
Farmers $4,273 $4,317 $4,130 $4,061 $12,739 $14,663 $5,092 $5,297
GEICO $1,990 $1,939 $1,925 $1,925 $3,537 $3,602 $2,260 $2,244
Liberty Mutual $3,681 $3,681 $4,038 $4,038 $9,417 $10,676 $4,038 $4,622
Progressive $1,847 $1,719 $1,668 $1,698 $8,414 $9,454 $2,190 $2,151
State Farm $3,630 $3,630 $3,272 $3,272 $11,692 $15,026 $4,125 $4,607
Travelers $2,797 $2,738 $2,581 $2,622 $6,358 $7,198 $2,745 $2,738

Cheap Lafayette, New Jersey Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lafayette, New Jersey is a challenge. Take a look at the annual teen auto insurance rates in Lafayette, New Jersey.

Annual Auto Insurance Rates for Teen Drivers in Lafayette, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,085 $11,381
Farmers $12,739 $14,663
GEICO $3,537 $3,602
Liberty Mutual $9,417 $10,676
Progressive $8,414 $9,454
State Farm $11,692 $15,026
Travelers $6,358 $7,198

Cheap Lafayette, New Jersey Auto Insurance for Seniors

What are senior auto insurance rates in Lafayette, New Jersey? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Lafayette, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,767 $2,767
Farmers $4,130 $4,061
GEICO $1,925 $1,925
Liberty Mutual $4,038 $4,038
Progressive $1,668 $1,698
State Farm $3,272 $3,272
Travelers $2,581 $2,622

Cheap Lafayette, New Jersey Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lafayette, New Jersey compared to the annual auto insurance rates with a clean record in Lafayette, New Jersey.

Annual Lafayette, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,658 $5,978 $5,261 $4,420
Farmers $5,259 $8,988 $7,259 $5,779
GEICO $1,892 $2,482 $3,445 $1,892
Liberty Mutual $5,307 $6,066 $5,415 $5,307
Progressive $3,163 $4,162 $3,578 $3,667
State Farm $3,360 $6,088 $9,781 $5,398
Travelers $2,873 $4,239 $4,094 $3,683

Cheap Lafayette, New Jersey Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lafayette, New Jersey is not easy. Compare the annual rates for DUI auto insurance in Lafayette, New Jersey to find the best deal.

Annual Auto Insurance Rates After a DUI in Lafayette, New Jersey

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,261
Farmers $7,259
GEICO $3,445
Liberty Mutual $5,415
Progressive $3,578
State Farm $9,781
Travelers $4,094

Cheap Lafayette, New Jersey Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lafayette, New Jersey annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Lafayette, New Jersey

Insurance Company Poor Fair Good
Allstate $6,659 $4,373 $3,456
Farmers $8,031 $6,391 $6,043
GEICO $3,643 $2,107 $1,533
Liberty Mutual $6,984 $5,193 $4,393
Progressive $4,059 $3,562 $3,306
State Farm $8,893 $5,377 $4,200
Travelers $4,960 $3,665 $2,542

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Cheap Lafayette, New Jersey Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lafayette, New Jersey can vary. Compare the annual cost of auto insurance by ZIP code in Lafayette, New Jersey to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Lafayette, New Jersey

ZIP Code Average Annual Rates
7848 $4,510

Cheap Lafayette, New Jersey Auto Insurance Rates By Commute

Commute length and annual mileage affect Lafayette, New Jersey auto insurance. Find the cheapest annual Lafayette, New Jersey auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lafayette, New Jersey

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,821 $4,838
Farmers $6,821 $6,821
GEICO $2,409 $2,447
Liberty Mutual $5,470 $5,577
Progressive $3,643 $3,643
State Farm $6,004 $6,309
Travelers $3,722 $3,722

Cheap Lafayette, New Jersey Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lafayette, New Jersey? Check out the comparison of annual Lafayette, New Jersey auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lafayette, New Jersey

Insurance Company Low Medium High
Allstate $4,523 $4,888 $5,076
Farmers $6,279 $6,808 $7,377
GEICO $2,197 $2,471 $2,616
Liberty Mutual $4,996 $5,681 $5,894
Progressive $3,366 $3,692 $3,871
State Farm $5,773 $6,228 $6,469
Travelers $3,430 $3,726 $4,011

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Best By Category: Cheapest Auto Insurance in Lafayette, New Jersey

Compare the cheapest auto insurance companies in Lafayette, New Jersey in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Lafayette, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

The Cheapest Lafayette, New Jersey Auto Insurance Companies

What auto insurance companies in Lafayette, New Jersey are the cheapest? Compare the top Lafayette, New Jersey auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Lafayette, New Jersey

Insurance Company Average Annual Rates
Allstate $4,829
Farmers $6,821
GEICO $2,428
Liberty Mutual $5,524
Progressive $3,643
State Farm $6,157
Travelers $3,722

What affects auto insurance rates in Lafayette, New Jersey?

There are a lot of reasons why auto insurance rates in Lafayette, New Jersey are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lafayette, New Jersey. Many local factors may affect your Lafayette auto insurance rates.

Lafayette Traffic

How does Lafayette, New Jersey rank for traffic? According to Inrix Lafayette, New Jersey is the 617th most congested worldwide.

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Compare Lafayette, New Jersey Auto Insurance Quotes

Before you buy Lafayette, New Jersey auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lafayette, New Jersey auto insurance quotes.

Free Auto Insurance Comparison

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