120+ more*Quotes generated for Insurify users in and around Lafayette, Louisiana within the last 10 days. Last updated on October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lafayette, Louisiana within the last 10 days. Last updated on October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Ashlee Valentine is an experienced insurance and personal finance writer and editor whose work has appeared in Forbes Advisor, Bankrate, CNET, and other national publications. She has spent nearly a decade writing and editing insurance content, including serving in senior editorial roles covering insurance research, ratings, and consumer guidance. Her extensive insurance experience spans personal and commercial auto, life, business, health, and homeowners insurance.
Ashlee holds an MBA with a concentration in finance and has more than a decade of professional experience in finance, procurement, and supply chain management. She brings a research-driven approach to her work, with a focus on making complex insurance and financial topics clear, accurate, and useful to consumers.
When she isn't writing and editing, Ashlee enjoys gardening, homesteading, and spending time with her family on their farm in Kentucky.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Car insurance in Lafayette averages $111 per month for liability coverage and $190 per month for full coverage.
For comparison, drivers in New Orleans pay an average of $136 per month for liability coverage and $244 for full coverage.
Bossier City drivers pay some of the state’s lowest rates. Here, the average cost of insurance is $85 per month for liability coverage and $171 for full coverage.
Lafayette has a high average precipitation rate, which increases flood risk and affects local insurance rates.
Drivers in Louisiana pay an average of $106 per month for liability insurance. At $51 per month, State Farm offers the cheapest liability-only auto insurance in Lafayette.
Car insurance requirements in Louisiana include $15,000 per person and $30,000 per accident in bodily injury liability, plus $25,000 in property damage liability.[1] While liability insurance meets the state’s requirements, it won’t pay to repair damage to your vehicle.
The table below shows the cheapest liability car insurance rates in Lafayette.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $51 |
| National General | $60 |
| Progressive | $60 |
| USAA | $63 |
| Allstate | $76 |
| GEICO | $84 |
| Direct Auto | $85 |
| The General | $100 |
| Bristol West | $115 |
| Root | $140 |
| Safeco | $152 |
| Hugo | $237 |
Liability policies average $106/mo.
A full-coverage policy in Louisiana costs an average of $209 per month. State Farm offers the cheapest full-coverage car insurance in Lafayette, averaging $112 per month.
Full-coverage car insurance in Louisiana includes liability, comprehensive, and collision coverage. Comprehensive coverage typically pays for flood damage. That matters for Lafayette drivers, as heavy annual rainfall and flooding pose serious hazards.
The following table highlights the cheapest full-coverage auto insurance rates in Lafayette.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $112 |
| National General | $136 |
| USAA | $141 |
| Progressive | $142 |
| Allstate | $167 |
| GEICO | $189 |
| Direct Auto | $196 |
| Safeco | $256 |
| Root | $265 |
| Bristol West | $273 |
| The General | $320 |
Drivers in Lafayette pay an average of $151 per month for car insurance, which is slightly less than the Louisiana average of $157. New Orleans has some of the state’s highest average rates, while Houma has some of the lowest.
Vehicle theft rates may help explain some of the differences. Nationally, New Orleans ranked No. 51 in vehicle thefts by volume in the first half of 2025, while Lafayette ranked No. 236, according to the National Insurance Crime Bureau.
See how average monthly car insurance rates compare in various Louisiana cities.
City | Average Monthly Quote |
|---|---|
| Houma | $124 |
| Bossier City | $128 |
| Shreveport | $132 |
| Alexandria | $144 |
| Lake Charles | $156 |
| Slidell | $157 |
| Metairie | $171 |
| Baton Rouge | $178 |
| New Orleans | $190 |
Average insurance costs in Lafayette are slightly below the state average. Still, the city’s rates aren’t cheap. One reason is Lafayette’s history of significant flooding, which affects insurance rates.
Lafayette Parish is about 40 miles from the Gulf of Mexico and averages 54 to 58 inches of precipitation per year.[2]
Traffic adds another risk. Congestion around interstates 10 and 49 creates more opportunities for crashes and resulting claims.
*Quotes generated for Insurify users in and around Lafayette, Louisiana within the last 10 days. Last updated on October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lafayette, Louisiana within the last 10 days. Last updated on October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
People with clean driving records typically pay less for auto insurance. Tickets, accidents, and operating a vehicle while intoxicated (OWI) convictions can increase your rate.
These companies each have the cheapest average rates for drivers with different records.
Cheapest car insurance for Lafayette drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Lafayette: State Farm
Cheapest car insurance for Lafayette drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with an OWI in Lafayette: State Farm
In Lafayette, Louisiana, 4.1% of drivers have a speeding ticket on their record, 5.3% have an at-fault accident, and 0.6% have an OWI, according to Insurify data.
Lafayette Parish recorded 2,798 injury crashes in 2024, along with 475 operating a vehicle while intoxicated (OWI) arrests, according to data from the Louisiana Highway Safety Commission.[3]
See how average monthly quotes in Lafayette compare across driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $151 |
| Speeding ticket | $194 |
| At-fault accident | $211 |
| OWI | $197 |
Known for its rich Cajun history, Lafayette draws tourists during the cooler spring and fall months. Major events can affect parking availability and cause significant traffic congestion.
For example, during Mardi Gras, streets along parade routes close before each parade, creating detours and additional congestion in nearby areas.
As for parking, downtown Lafayette has plenty of options. Metered parking is free after 5 p.m. on weekdays and all day on weekends. In addition, the Parc-Auto du Centre-Ville parking garage offers 530 spaces for $1 per hour, with a max of $5 per day.
One of the biggest local driving hazards in Lafayette is flooding. In August 2026, historic rainfall caused the Vermilion River to flood, leaving numerous roads impassable and drivers stranded.
Lafayette Consolidated Government warns drivers not to enter flooded roadways, noting that even relatively shallow water can cause a vehicle to lose control or stall.
Interstates 10 and 49 meet in Lafayette. Traffic can cause backups on those routes and nearby streets, especially during peak travel times. One section of I-49 that begins at I-10 carries more than 85,000 vehicles per day.[4]
Although Lafayette drivers have an average commute of just 20 minutes, heavy traffic volume on this major corridor can increase the risk of crashes. Higher accident rates may contribute to local insurance costs.
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Liability insurance for Louisiana teens costs an average of $202 per month. With an average monthly rate of $98, State Farm has the cheapest liability coverage for teen drivers in Lafayette. Teen drivers generally cost more to insure, and adding a teen to a family policy can increase costs by an average of 90%, according to Insurify data.
Louisiana teens can begin driver education at age 14. They can receive a learner’s permit at age 15 and earn a full license at age 17.[5]
You can see the cheapest liability rates for teenage drivers in Lafayette in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $98 |
| Progressive | $109 |
| USAA | $114 |
| National General | $118 |
| Allstate | $138 |
| GEICO | $151 |
| Direct Auto | $165 |
| The General | $180 |
| Bristol West | $202 |
| Root | $210 |
| Safeco | $309 |
| Hugo | $431 |
About 17.3% of Lafayette residents are 65 or older, according to U.S. census data. Senior drivers in Lafayette pay an average of $106 per month for liability insurance.
State Farm offers the cheapest liability coverage for Lafayette seniors, averaging $42 per month.
The following table shows the cheapest liability rates for senior drivers in Lafayette.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $42 |
| National General | $50 |
| USAA | $54 |
| Progressive | $57 |
| GEICO | $71 |
| Allstate | $73 |
| Direct Auto | $73 |
| The General | $89 |
| Bristol West | $101 |
| Root | $135 |
| Safeco | $139 |
| Hugo | $227 |
These answers to some commonly asked questions can help you find the best auto insurance in Lafayette.
Lafayette drivers pay an average of $111 per month for liability coverage and $190 for full coverage, according to Insurify data.
State Farm has the cheapest liability coverage in Lafayette, averaging $51 per month.
Car insurance companies consider your age, driving record, vehicle make and model, credit-based insurance score, and coverage level. Where you live also matters. Lafayette, like many areas of the state, has a high flood risk, which insurers consider when determining rates.
Because Lafayette rates vary considerably by insurer, it’s important to review your coverage regularly to see if another company offers a better rate. Compare car insurance quotes using the same coverage limits and deductibles.
You can also ask about insurance discounts, such as for bundling car insurance with homeowners insurance or renters insurance, being a safe driver, getting good grades, or driving a car with advanced safety features.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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Ashlee Valentine is an experienced insurance and personal finance writer and editor whose work has appeared in Forbes Advisor, Bankrate, CNET, and other national publications. She has spent nearly a decade writing and editing insurance content, including serving in senior editorial roles covering insurance research, ratings, and consumer guidance. Her extensive insurance experience spans personal and commercial auto, life, business, health, and homeowners insurance.
Ashlee holds an MBA with a concentration in finance and has more than a decade of professional experience in finance, procurement, and supply chain management. She brings a research-driven approach to her work, with a focus on making complex insurance and financial topics clear, accurate, and useful to consumers.
When she isn't writing and editing, Ashlee enjoys gardening, homesteading, and spending time with her family on their farm in Kentucky.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
