4.8out of 3,000+ reviews
Cheap Auto Insurance Quotes in Lafayette, LA (January 2022)
- Personalized quotes in 5 minutes or less
- No signup required
Last Updated: January 2022
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.
$214
$266
$512
State FarmProgressiveAmerican Family
See More: Cheap Car Insurance Louisiana
See More: Compare Car Insurance
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 | |
|---|---|
 State Farm | $214/mo |
Progressive | $266/mo |
 American Family | $512/mo |
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 | ||
|---|---|---|
 Clearcover | $209/mo | |
American Family | $377/mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| New Orleans | $418/mo |
| Baton Rouge | $240/mo |
| Shreveport | $263/mo |
| Metairie | $321/mo |
| Lafayette | $331/mo |
| Louisiana | $315/mo |
$315
$418
$240
$263
$321
$331
LouisianaNew OrleansBaton RougeShreveportMetairieLafayette
Click here to learn about car insurance quotes and save on your current policy.
Lafayette, LA Driving Facts
Minimum Car Insurance Requirements in LA
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:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
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:
- $15,000 per person/$30,000 per accident for Bodily Injury (BI)
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.
- $25,000 per accident for Property Damage (PD)
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.
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 | |
|---|---|
| teens | $624 |
| 20s | $409 |
| 30s | $244 |
| 40s | $240 |
| 50s | $231 |
| 60s | $298 |
| 70s | $200 |
| 80s | $147 |
| Driving History | |
|---|---|
| No Violation | $264 |
| Speeding Ticket | $344 |
| At-Fault Accident | $439 |
| Failure to Stop for Red Light / Stop Sign | $199 |
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.
See More: High-risk Car Insurance Louisiana
See More: DUI Car Insurance Louisiana
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 Tie | |
|---|---|
| Excellent | $189 |
| Good | $270 |
| Average | $307 |
| Poor | $402 |
See More: Bad Credit Car Insurance Louisiana
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.
Find local Lafayette agents
Williams Insurance Agency
412 West University, Suite 204, Lafayette, LA 70506
Liggio Insurance Agency, Inc
3809 Ambassador Caffery Pkwy, Lafayette, LA 70503
Stiel Insurance of Acadiana, Inc.
2205 W Pinhook Rd, Ste 101, Lafayette, LA 70508
Dwight W. Andrus Insurance, Inc.
500 Dover Blvd., Lafayette, LA 70503
Roane Insurance Agency, Inc.
419 Rena Dr, Lafayette, LA 70503-4351
Dave Millet Agency of Lafayette
610 Stewart Street, Lafayette, LA 70501
J. Maxime Roy, Inc.
900 S. College Road, LAFAYETTE, LA 70503
Martin Perret Quality Plus Inc.
1921 Kaliste Saloom Rd Ste 201, Lafayette, LA 70508
Brown & Brown Of Louisiana
102 Asma Blvd. Suite 300, Lafayette, LA 70508
Thomson Smith & Leach Insurance Group
210 Rue Fontaine, Lafayette, LA 70508-5743
Insurify Insights: How Lafayette Drivers Measure Up
Lafayette, LA
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lafayette drivers measure up to their fellow Louisiana motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Lafayette
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 paid on average 60.92% more than drivers with a clean record
Speeding in Lafayette
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 paid on average 38.7% more than drivers with a clean record
DUI/DWIs in Lafayette
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 paid on average --% more than drivers with a clean record
Most Popular Vehicle in Lafayette
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.
Rude Drivers in Lafayette
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 paid on average --% more than drivers with a clean record.
Safest Drivers in Lafayette
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%
Failure to Yield the Right of Way in Lafayette
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 paid on average --% more than drivers with a clean record
Reckless Drivers in Lafayette
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: --%
Hybrid/Electric Vehicle Ownership in Lafayette
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%
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
How does where I live affect my car insurance rates?
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.
Will my credit score affect my car insurance rates in Lafayette?
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.
Who offers the cheapest car insurance in my area?
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.
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.
3690 Reviews
Insurify is rated 4.8 out of 5 based on 3690 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!
