4.8out of 3,000+ reviews
Cheap Auto Insurance Quotes in Lafayette, LA (June 2022)
Secure. Free. Easy-to-use.
Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
Why you can trust Insurify
Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
With over 125,000 residents and a bustling economy, Lafayette has earned its nickname of “The Hub City.” Drivers in Lafayette have lots of rich culture to explore, so before hitting the road, it’s worthwhile to invest in great car insurance.
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.
Car Insurance in Lafayette, LA
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.
Quick Facts
- The average cost of car insurance in Lafayette is $311 per month, or $3732 annually.
- Car insurance in Lafayette is $36 more than the average cost of car insurance in Louisiana.
- The cheapest car insurance provider in Lafayette on average is National General, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
State Farm$214
Progressive$266
American Family$512
Cheapest Car Insurance in Lafayette, LA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Lafayette | Quotes |
|---|---|
| State Farm | $214 /mo |
| Progressive | $266 /mo |
| American Family | $512 /mo |
Compare Car Insurance Quotes Instantly
- Personalized quotes in 5 minutes or less
- No signup required
Best Car Insurance in Lafayette, LA
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Lafayette. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| Clearcover | 97 | $209 /mo |
| American Family | 89 | $377 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Louisiana Cities | |
|---|---|
| New Orleans | $418/mo |
| Baton Rouge | $240/mo |
| Shreveport | $263/mo |
| Metairie | $321/mo |
| Lafayette | $331/mo |
| Louisiana | $315/mo |
Baton Rouge$240
Shreveport$263
Average for LA$315
Metairie$321
Lafayette$331
New Orleans$418
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Louisiana
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 be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Louisiana are:
- $15,000 per person for bodily injury
- $30,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Louisiana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Lafayette Car Insurance Rates by Driver Age
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 |
Lafayette Car Insurance Rates by Driving and Accident History
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.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $264 |
| Speeding Ticket | $344 |
| At-Fault Accident | $439 |
| Failure to Stop for Red Light / Stop Sign | $199 |
Lafayette Car Insurance Rates by Credit Tier
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 Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $189 |
| Good | $270 |
| Average | $307 |
| Poor | $402 |
See More: Bad Credit Car Insurance Louisiana
Find local Lafayette agents
Williams Insurance Agency
412 West University,
Suite 204, Lafayette, LA 70506Liggio Insurance Agency, Inc
3809 Ambassador Caffery Pkwy,
Lafayette, LA 70503Stiel Insurance of Acadiana, Inc.
2205 W Pinhook Rd,
Ste 101, Lafayette, LA 70508Dwight W. Andrus Insurance, Inc.
500 Dover Blvd.,
Lafayette, LA 70503Roane Insurance Agency, Inc.
419 Rena Dr,
Lafayette, LA 70503-4351Dave Millet Agency of Lafayette
610 Stewart Street,
Lafayette, LA 70501J. Maxime Roy, Inc.
900 S. College Road,
LAFAYETTE, LA 70503Martin Perret Quality Plus Inc.
1921 Kaliste Saloom Rd Ste 201,
Lafayette, LA 70508Brown & Brown Of Louisiana
102 Asma Blvd. Suite 300,
Lafayette, LA 70508Thomson Smith & Leach Insurance Group
210 Rue Fontaine,
Lafayette, LA 70508-5743
Lafayette, LA DMV Information
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.
Public Transportation in Lafayette, LA
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.
Most Patriotic City
Lafayette
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Lake Charles won Insurify's Most Patriotic Cities Award for the state of Louisiana. Cause for celebration, perhaps? The locals are no strangers to that. Lake Charles is home to the second largest Mardi Gras festival in the state - behind New Orleans, of course.
How to get the best and cheapest car insurance in Lafayette, LA
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.
FAQs - Lafayette, LA Car Insurance
Plenty of factors come into play when determining your car insurance rates, such as your driver history, vehicle information, and even marital status. And when a car insurance company is determining your rates, they’ll also look up your ZIP code. By analyzing the rate of vehicle theft, local weather patterns, and other location-specific factors, insurers can better understand the likelihood of you filing a claim in that ZIP code and set your insurance rates accordingly. Louisiana car insurers are allowed to weigh a driver’s credit history when determining their car insurance rates. So if you find yourself with a low credit score, you may have to work a bit harder to find cheap car insurance premiums. Car insurance prices vary by state, driver history, and a host of other factors. To help you find the right policy at the right price, use Insurify to easily compare 10+ free quotes from a wide range of insurance companies.
Compare Car Insurance Quotes Instantly
- Personalized quotes in 5 minutes or less
- No signup required
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Lafayette Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Lafayette, Louisiana below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Lafayette drivers measure up to their fellow motorists across Louisiana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Nissan Altima
Most Popular Car in Lafayette
#6
City with the Most Speeding Tickets Rank in Louisiana
#14
City with the Most Moving Violations Rank in Louisiana
#18
City with the Most DUIs Rank in Louisiana
#39
City with the Most Suspended Licenses in Louisiana
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lafayette drivers rank 4 in the number of car accidents per driver across all cities in Louisiana.
- Rank within state: #4
- Percent of drivers in Lafayette with an accident: 11.32%
- Drivers in Lafayette, LA with an accident in their driving history pay on average 60.92% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Louisiana, Lafayette drivers rank 6 in the number of speeding infractions per driver.
- Rank within state: #6
- Percent of drivers in Lafayette with a speeding ticket: 7.66%
- Drivers in Lafayette, LA with a speeding ticket in their driving history pay on average 38.7% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lafayette drivers rank 18 in the number of DUI’s per driver across all cities in Louisiana.
- Rank within state: #18
- Percent of drivers in Lafayette with a DUI: 0.44%
- Drivers in Lafayette, LA with a DUI in their driving history pay on average 0% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lafayette is the Nissan Altima.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Louisiana, Lafayette drivers rank 2 in rude driving infractions.
- Rank within state: #2
- Percent of drivers in Lafayette with a reckless driving violation: 1.55%
- Drivers in Lafayette, LA with a reckless driving violation in their driving history pay on average 0% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lafayette drivers rank 5 in clean driving records across all cities in Louisiana.
- Rank within state: #5
- Percent of drivers in Lafayette with clean record: 83.24%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lafayette drivers rank 2 in failure to yield violations per driver across all cities in Louisiana.
- Rank within state: #2
- Percent of drivers in Lafayette with a failure to yield violation: 0.44%
- Drivers in Lafayette, LA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Louisiana, Lafayette drivers rank 8 in the number of reckless driving offenses per driver.
- Rank within state: #8
- Percent of drivers in Lafayette with a reckless driving offense: 0%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lafayette drivers rank 4 in hybrid and electric vehicle ownership across all cities in Louisiana.
- Rank within state: #4
- Percent of drivers in Lafayette with a hybrid/electric vehicle: 0.5%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.