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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 | |
|---|---|
 State Farm | $214/mo |
 Progressive | $266/mo |
 American Family | $512/mo |
| Best Companies | ||
|---|---|---|
 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 | |
|---|---|
| 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 |
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 | |
|---|---|
| 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
