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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
To find a policy that’s protective and affordable, quote comparison is key—and there’s no better place to compare quotes than Insurify. Simply enter some basic information about your vehicle and driver history, and you’ll be well on your way to 10+ free quotes from a wide range of insurance carriers.
The average cost of Louisiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lafayette, LA to find you the cheapest quotes in the area.
Here are the cheapest carriers in Lafayette for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 State Farm | $214/mo |
 Progressive | $266/mo |
 American Family | $512/mo |
| Best Companies | Quotes | |
|---|---|---|
 Clearcover | $209/mo | |
American Family | $377/mo |
Louisiana Cities | |
|---|---|
| New Orleans | $418/mo |
| Baton Rouge | $240/mo |
| Shreveport | $263/mo |
| Metairie | $321/mo |
| Lafayette | $331/mo |
| Louisiana | $315/mo |
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All motor vehicles operated or parked on Louisiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Louisiana are as follows:
Bodily injury liablity coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Louisiana state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Louisiana law.
The state minimum amount of property damage liability coverage required in the state of Louisiana is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
The average auto insurance rate in Lafayette is high for drivers of any age, but younger motorists seem to get the brunt of it. Teenage drivers typically pay $623.06 a month for coverage, and those in their 20s pay around $408.32. It isn’t until you reach the age range of 70 to 80 that you will see an average premium of less than $230. On average, people in their 70s will pay $199.89, and those in their 80s will pay $146.67.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $624 |
| 20s | $409 |
| 30s | $244 |
| 40s | $240 |
| 50s | $231 |
| 60s | $298 |
| 70s | $200 |
| 80s | $147 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $264 |
| Speeding Ticket | $344 |
| At-Fault Accident | $439 |
| Failure to Stop for Red Light / Stop Sign | $199 |
A clean driving record does more than just prevent you from paying tickets or for repairs to your vehicle, it can also play a part in obtaining a lower average premium rate. Drivers who maintain an accident- and violation-free record can expect to have a lower average premium rate around $263.42. Violations such as speeding and at-fault accidents tend to drive prices higher, as motorists pay on average $343.23 and $438.85, respectively, for these.
Insurance companies in the Lafayette area use credit scores and reports to help establish a risk profile for drivers. The better your credit rating is, the more likely you are to receive a lower average premium. For example, drivers who have an excellent rating pay substantially lower for coverage, at $188.91 a month. At the opposite end of the spectrum, drivers with a poor credit rating pay on average $401.52.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $189 |
| Good | $270 |
| Average | $307 |
| Poor | $402 |
The Lafayette Office of Motor Vehicles is located at 3241 NW Evangeline Thruway, Suite A, and is open from 8 a.m. to 4 p.m., Monday through Friday. To set up an appointment ahead of time, call 1 (877) 368-5463.
The Lafayette Transit System operates bus service throughout the city, with 13 routes running Monday through Saturday. Bus service operates from 5:45 a.m. to 10:30 p.m., Monday through Saturday. Night Owl service starts at 6:35 p.m. on four consolidated bus routes.
Lafayette is a colorful town. So as you hit the road and explore all this Louisiana town has to offer, make sure you and your car are protected with a car insurance policy that works for you.
The first step to finding affordable car insurance? Quote comparison. With Insurify, you can access plenty of free quotes from a variety of car insurance companies. Then, you can hit the road and get the full Lafayette experience.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Lafayette stacks up for the state of Louisiana:
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
Rising sea levels by southeast Louisiana are threatening to destroy many marshland communities. Some Louisianans say that environmental impact bonds can help with wetland restoration efforts. The state of Louisiana offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers. Companies, and their employees, that administer "green" capital infrastructure projects are eligible for tax credits.
