Cheapest Auto Insurance in Lafayette, Louisiana (2024)

State Farm offers the cheapest car insurance in Lafayette, with minimum-coverage policies as low as $77 per month.

Taylor Milam-Samuel
Taylor Milam-Samuel
  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Updated May 29, 2024

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Cheapest recent rates near Lafayette, Louisiana

Drivers using Insurify have found quotes as cheap as $66/mo for liability only and $122/mo for full coverage in Lafayette and other Louisiana cities.

*Quotes generated for Insurify users in and around Lafayette, Louisiana within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. 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 May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Located in southern Louisiana, Lafayette has a population of around 121,000 people and is the third-largest metropolitan area in the state.[1] Drivers in the city pay an overall average of $165 per month for liability car insurance, which is comparable to the Louisiana monthly average of $156.

Louisiana drivers pay significantly more than the national average of $104 per month for liability insurance. The state is at high risk of experiencing damage from tropical storms and hurricanes, which can lead to increased average rates in the area.

Here’s what you need to know about finding the cheapest car insurance in Lafayette, including how to compare quotes and coverage options.

Quick Facts
  • Lafayette drivers pay an average of $316 per month for full-coverage insurance.

  • State Farm, USAA, and Allstate have the cheapest liability insurance in Lafayette.

  • Louisiana is a pure comparative fault state, so claims payouts are reduced in relation to each driver’s percentage of fault.[2]

3 of the cheapest car insurance companies in Lafayette

As you search for the best car insurance in Lafayette, it’s essential to consider your driving profile and budget. These two factors, along with others, can affect which insurance company is the best fit for you. Depending on your needs, one insurer might work better for you than another. As you shop for insurance, compare quotes from different companies.

State Farm, Safeco, and The General are three of the top insurance companies offering cheap auto coverage in the city. The provided quotes below reflect statewide insurance costs in Louisiana.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$122$74Cheap rates
The General3.6$299$162High-risk drivers
Safeco4.2$299$${AUTO_CARRIER_SAFECO_LIABILITY_STATE_LA_PRICE}Savings

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$77/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$126/mo

State Farm has been in business for more than 100 years. The company sells a number of insurance products, including auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance. Policyholders have multiple ways to save through around a dozen discounts.

Pros
  • Ranked high for customer satisfaction

  • Rideshare insurance available

Cons
  • Doesn’t offer gap insurance

  • Some negative customer reviews online

Read our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

Best insurer for high-risk drivers: The General

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.6
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$169/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$312/mo

An affiliate of American Family Insurance, The General provides auto insurance for high-risk drivers with poor driving records. The company also sells homeowners, renters, life, pet, and other types of insurance. Policyholders can save money through bundling, good student, and multi-driver discounts.

The company also earned an A (Excellent) financial strength rating from AM Best, which indicates financial stability.

Pros
  • Competitively priced options for high-risk drivers

  • SR-22 filing available in most states

Cons
  • Mixed customer service reviews

  • Above-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC)

Read our The General review
Cheryl - May 29, 2024
Verified

Looking for a new insurance due to poor service

Their service was horrible. They couldn't handle my debit information correctly to process my payment, which led to them cancelling my policy for non-payment.

Anita - May 28, 2024
Verified

I guess they are okay, but the rates are too high just because my credit isn't that good. I'm 64 years old with no tickets, no DUIs, nothing. It's not fair. I'm a good driver but I'm being punished for bad credit. I lost my spouse and was left with bills I couldn't pay. So, it's hard to get anything even when you've been a hard worker.

I guess they are okay, but the rates are too high just because my credit isn't that good. I'm 64 years old with no tickets, no DUIs, nothing. It's not fair. I'm a good driver but I'm being punished for bad credit. I lost my spouse and was left with bills I couldn't pay. So, it's hard to get anything even when you've been a hard worker.

Margaret - May 27, 2024
Verified

There when I need them

They are good. I'm just checking around for better rates, something everybody should do.

Best insurer for savings: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$293/mo

Owned by Liberty Mutual Insurance, Safeco offers car, homeowners, renters, pet, and other insurance products. The company sells new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco has money-saving programs for accident forgiveness, diminishing deductibles, and cash back for claims-free customers.

Safeco earned an A (Excellent) financial strength rating from AM Best, which indicates financial stability.

Pros
  • Cash-back program for claims-free customers

  • Options for customizing car insurance

Cons
  • Limited number of discounts

  • Customer reviews indicate room for improvement in customer service

Read our Safeco review
Jennetta - May 19, 2024
Verified

Too High for Three Years Without a Claim and Only 5000 Miles of Local Driving

Search around, it's much too high.

Jonathan - May 19, 2024
Verified

The Moment You Have an Accident, Start Looking for a New Insurance Company

The experience was absolutely great until they decided not to renew my policy due to an accident. I felt so betrayed by a company that I had been using for over 5 years.

Samuel - May 13, 2024
Verified

Unfortunate Recent Experience with Safeco

I wouldn't recommend them. They keep increasing your premiums every year. Last time, they cited inflation as the reason, the time before that it was due to RVs, and the time before that because the Dodgers were high.

How to get the cheapest car insurance in Lafayette

Your age, location, driving record, and type of car affect how much you pay for car insurance. Even though you can’t change some factors, you can try to lower your car insurance costs as a driver in Lafayette. Consider the following tactics to earn cheaper rates:

  • Utilize discounts. Insurers typically offer a variety of discounts, so you should always inquire about your eligibility. For example, if you insure more than one car with the same company, you can usually qualify for a discount.

  • Take a defensive driving course. Because defensive driving courses teach drivers how to make safer choices behind the wheel, many insurance companies offer discounts once you complete a class.

  • Bundle policies. Insurance companies usually offer discounts for customers with different policies from the same company. For example, you can bundle auto coverage with home, motorcycle, and renters insurance.

  • Encourage good grades. Most insurance companies in Louisiana offer a good student discount for full-time students with B or higher grades. If you’re a parent of a teenage driver, it’s a great way to save extra money.

  • Select a safe car. If your car has extra safety features, like anti-theft locks and additional airbags, you might qualify for a lower rate. Ask your insurer if it offers a discount.

  • Compare quotes. It’s always important to compare quotes from different insurers. Unless you review multiple quotes, you can’t gauge whether you’re getting a good deal. Take time to review numerous options and talk to different insurance agents to find the best fit.

Find Cheap Car Insurance in Lafayette

Liability quotes start at $77 per month

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Cheapest liability-only car insurance in Lafayette: State Farm

Drivers in Louisiana must have a minimum amount of liability insurance. If you cause an auto accident, liability insurance covers vehicle repairs and medical expenses for the other driver and their passengers. It doesn’t cover your repairs or medical costs.[3]

Most drivers should consider purchasing more than the minimum coverage, but liability-only coverage works best for drivers with old or inexpensive vehicles.

The average cost of liability car insurance in Lafayette is $165 per month. Here are some of the cheapest options for liability-only coverage in Lafayette.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm77
USAA97
Allstate126
GEICO126
Direct Auto128
Progressive149
Clearcover163
The General169
Liberty Mutual195
Midvale Home & Auto245
Bristol West250
Root293
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Lafayette: State Farm

Full-coverage car insurance includes liability-only insurance, as well as comprehensive and collision coverage, which can help cover your vehicle repairs after an accident or incident. According to insurance experts, most drivers benefit from purchasing full-coverage auto insurance because it provides extra financial protection — especially if you have a new vehicle.

If you finance or lease your vehicle, your auto lender or dealer may even require you to purchase this policy type.

On average, full-coverage car insurance costs Lafayette drivers $316 per month. Here are the cheapest insurance companies for full-coverage insurance in Lafayette.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm126
USAA159
Allstate206
GEICO207
Direct Auto236
Progressive244
Clearcover265
Liberty Mutual292
Safeco293
The General312
Midvale Home & Auto316
Root449
Bristol West450
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How Much Other Insurify Customers Pay in and around Lafayette, Louisiana

Drivers in and around Lafayette, Louisiana have found policies from Liberty Mutual, Safeco, Clearcover, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Lafayette, Louisiana within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. 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 May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Louisiana

Drivers in Louisiana must have an active auto insurance policy with minimum amounts of bodily injury and property damage liability coverage.[4]

Louisiana is a comparative fault state, so the driver responsible for the accident must cover the other driver’s repairs and medical expenses. But state law allows partially responsible drivers to recover damages in court, in accordance with their percentage of fault. If not resolved in the insurance claims process, drivers have to file a lawsuit within one year of the accident.[5]

Here are the specific minimum coverage requirements in Louisiana:

CoverageMinimum Requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$25,000 per accident

Insurance experts typically recommend that drivers buy additional coverage and increase their liability insurance limits to ensure adequate protection after an accident. For example, if you only have liability insurance and cause an accident that totals your car, you’ll need to pay for your new vehicle.

Here are some additional coverage options you might want to consider:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If your car needs repairs due to something other than a collision, comprehensive insurance helps cover the costs. It typically includes coverage for damage from theft, vandalism, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage helps pay for the cost of repairs for your vehicle following a car accident or collision with an object, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments, also called MedPay, can cover medical treatment and funeral expenses for you and your passengers after a car accident, up to your coverage limits. Drivers typically purchase MedPay or PIP coverage, but not both.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Personal injury protection (PIP) coverage

    Personal injury protection (PIP) coverage can help pay for medical costs, lost wages, child care costs, funeral expenses, and more for you and your passengers after an accident.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If a driver without any or sufficient coverage causes an accident, uninsured/underinsured motorist insurance covers your medical expenses and vehicle repairs.

Cheapest car insurance for drivers with an incident

Auto insurers determine premiums based on how likely a driver is to file a claim. Auto incidents like driving under the influence (DUI) charges, at-fault accidents, or speeding tickets indicate that a driver is more likely to file a claim. As a result, drivers can expect their rates to increase after an incident.[6]

On average, Lafayette drivers with an incident on their record pay $233 per month for liability insurance and $447 for full-coverage insurance. You can still find competitive car insurance rates after a driving violation, but you should always compare quotes from multiple insurers to find the best deal.

Shop for Car Insurance in Lafayette

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Cheapest car insurance for drivers with a speeding ticket: State Farm

If you have a speeding ticket on your driving record, your car insurance rates will typically increase for a few years. Lafayette drivers with a speeding ticket pay $250 per month for liability insurance and $479 for full coverage.

Here are the cheapest liability car insurance options for drivers with a speeding ticket in Lafayette.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm77102
USAA97130
Allstate126169
GEICO126169
Direct Auto128173
Progressive149200
Clearcover163220
The General169229
Liberty Mutual195287
Midvale Home & Auto245339
Bristol West250332
Root293416
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you have an at-fault accident on your record, it’ll likely increase your car insurance premiums. It won’t stay on your record forever, but insurers can typically see the violation for a few years. As a result, you can expect to pay higher rates during that time.

In Lafayette, drivers with an accident pay $257 per month for liability coverage and $492 for full-coverage car insurance, on average.

Here are the cheapest liability insurance options for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm77107
USAA97135
Allstate126176
GEICO126176
Direct Auto128183
Progressive149212
Clearcover163241
The General169240
Liberty Mutual195296
Midvale Home & Auto245360
Bristol West250344
Root293433
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Due to the severity of the offense, a driving under the influence (DUI) charge can cause your car insurance costs to increase significantly. DUIs can also result in license suspension and non-renewal of your insurance policy. Finding coverage after a DUI can feel overwhelming, but it’s possible to find an insurer that specializes in high-risk coverage.

The average cost of coverage for Lafayette drivers with a past DUI is $290 per month for liability coverage and $556 for full coverage. The following insurers offer the cheapest liability coverage options for drivers with a DUI.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm77132
USAA97167
Allstate126217
GEICO126217
Direct Auto128220
Progressive149256
Clearcover163280
The General169290
Liberty Mutual195335
Midvale Home & Auto245421
Bristol West250430
Root293504
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Different factors affect your car insurance rates, including your age. Once drivers turn 35, they can expect their car insurance costs to decrease. Rates typically continue to decline throughout adulthood, and drivers near retirement age typically earn the lowest prices.

But around the age of 70, drivers can expect rates to increase a bit again. Changes in vision and physical abilities, age-related diseases, and medications can all affect senior drivers ability to stay safe on the road. Auto insurers may increase rates for senior drivers to account for these potential new risks.[7]

Senior drivers in Lafayette pay $129 per month for liability coverage and $247 for full-coverage insurance, on average. Here are the cheapest car insurance options available.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull Coverage Liability Only
State Farm9558
USAA12375
Allstate16098
GEICO16097
Progressive170104
Direct Auto17696
Clearcover205126
Liberty Mutual223149
Midvale Home & Auto233180
The General248135
Bristol West350194
Root359234
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

As new drivers with minimal experience, teenagers pay the highest car insurance rates compared to other age categories. But you can take steps to lower the cost of auto insurance for your teenager. You can enroll your teenager in a defensive driving course, select a vehicle with security features, and encourage them to earn a good driving discount.[8]

The average cost of car insurance for teen drivers in Lafayette is $316 per month for liability and $606 for full coverage. The following insurers offer some of the best coverage options in the city.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull Coverage Liability Only
State Farm221135
USAA273167
GEICO338206
Allstate372228
Direct Auto444241
Progressive456278
The General523284
Clearcover530326
Liberty Mutual560374
Midvale Home & Auto568441
Root713466
Bristol West793440
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find the Cheapest Car Insurance in Lafayette

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Lafayette car insurance quotes by credit tier

Lafayette drivers can expect their credit history to influence their car insurance rates.[9] Insurers in Louisiana use credit-based insurance scores to determine risk, and lower scores are associated with higher risk. Because of that, drivers with poor credit scores pay more for car insurance, and drivers with good or excellent credit pay less.

Here’s how much drivers in each credit tier pay on average for full-coverage car insurance in Lafayette.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Lafayette?

Compared to the national averages of $104 per month for liability insurance and $215 for full-coverage insurance, Lafayette drivers pay much more for auto coverage than other U.S. drivers. On average, Lafayette residents pay $165 per month for liability car insurance and $316 for full-coverage insurance.

Louisiana drivers face expensive insurance costs due to high risk of property damage from tropical storms and other severe weather in the state. Car insurance rates vary depending on city and ZIP code.

Drivers who live in big cities can expect to pay more than drivers who live in smaller cities or rural areas due to an increased risk of auto accidents, vehicle theft, and property damage. Though Lafayette drivers pay more than the national average, drivers in the nearby city of New Orleans pay even higher rates.

More cities in Louisiana

Lafayette drivers pay $316 per month for full coverage and $165 for liability coverage, on average.

Here’s how full-coverage and liability-only car insurance quotes compare in different cities across the state.

CityLiability OnlyFull Coverage
Baton Rouge$187$359
Bossier City$124$274
Lake Charles$155$304
Metairie$190$346
New Orleans$194$380
Shreveport$137$266
Slidell$158$316
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Lafayette car insurance FAQs

Before you start shopping around for car insurance quotes from multiple insurers, you need to decide how much coverage you need. The information below should help you navigate the process of buying cheap car insurance in Lafayette.

  • How much is car insurance in Lafayette?

    Drivers in Lafayette pay $165 per month for liability coverage and $316 per month for full-coverage insurance, on average. Your specific premium will depend on your driving record, credit history, age, and more.

  • Which insurance company has the cheapest rates in Lafayette?

    State Farm has the cheapest car insurance rates in Lafayette, Louisiana, at $77 per month for liability-only coverage. Lafayette drivers can also find low rates with USAA and Allstate, which have monthly liability rates of $97 and $126, respectively.

  • What are the best car insurance companies in Lafayette?

    State Farm is the best car insurance company in Lafayette. The company has a high Insurify Quality (IQ) Score of 4.6 out of 5, an A++ (Superior) financial strength rating from AM Best, and high customer and claims satisfaction ratings from J.D. Power. State Farm policyholders in Lafayette pay $74 per month for liability and $122 for full coverage. Other top insurers include Safeco, The General, and USAA.

  • Why does Louisiana have such expensive car insurance?

    Louisiana is one of the most hurricane-prone states in the U.S. Because tropical storms and hurricanes can lead to damages and expensive repairs, auto insurers likely adjust baseline rates in the state to account for the risk. On a personal level, your driving record, credit history, age, and more can affect how much you pay for coverage.

  • What’s the minimum Louisiana car insurance?

    Louisiana drivers must carry a minimum of $15,000 per person and $30,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage. Failure to do so can result in a fine of $500 to $1,000.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Census Bureau. "QuickFacts Lafayette city, Louisiana."
  2. Louisiana State Legislature. "Art. 2323. Comparative fault."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
  5. NOLO. "Louisiana Car Accident Laws."
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  7. Insurance Information Institute. "Senior driving safety and insurance tips."
  8. Insurance Information Institute. "Auto insurance for teen drivers."
  9. Louisiana Department of Insurance. "Automobile Rate Comparison Guide An Online Tool to Help Shop Your Rate."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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