Compare La Fayette, AL Car Insurance Rates (2021)

Car insurance in La Fayette, AL averages $304 a month. La Fayette, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap La Fayette car insurance rates, compare quotes from the top car insurance companies in La Fayette, AL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in La Fayette, AL after a DUI are $4,169/year
  • Average car insurance rates in La Fayette, AL are $3,648/year
  • The cheapest car insurance company in La Fayette is USAA

If you need to buy La Fayette, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in La Fayette, AL is right here.

You’ll find La Fayette car insurance rates, the cheapest La Fayette, AL car insurance companies, and information on Alabama car insurance laws. You can also compare La Fayette, Alabama car insurance rates to Decatur car insurance rates, Tuscaloosa car insurance rates, and Dothan car insurance rates.

Ready to find affordable La Fayette, AL car insurance today? Enter your ZIP code for fast, free La Fayette car insurance quotes.

Cheapest La Fayette, AL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect La Fayette, AL car insurance rates? Every La Fayette, Alabama car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in La Fayette, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,850 $1,768 $1,670 $1,703 $6,327 $6,796 $2,078 $2,127
Farmers $2,548 $2,536 $2,283 $2,410 $9,410 $9,698 $2,895 $3,032
GEICO $2,128 $2,108 $1,997 $2,040 $5,489 $5,415 $2,246 $2,105
Liberty Mutual $3,022 $3,268 $2,479 $2,777 $10,816 $12,038 $3,224 $3,438
Nationwide $1,720 $1,745 $1,564 $1,624 $4,446 $5,755 $1,906 $2,136
Progressive $2,132 $2,013 $1,751 $1,855 $8,609 $9,629 $2,510 $2,687
State Farm $2,986 $2,986 $2,684 $2,684 $8,853 $11,100 $3,369 $3,886
Travelers $1,560 $1,586 $1,456 $1,454 $8,280 $13,049 $1,477 $1,707
USAA $1,377 $1,398 $1,285 $1,259 $4,109 $4,556 $1,794 $1,938

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Minimum Car Insurance in La Fayette, AL

Every driver must carry the minimum car insurance in La Fayette, AL. Take a look at the Alabama car insurance requirements.

Minimum Required Car Insurance Coverage in La Fayette, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest La Fayette, AL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in La Fayette, AL. Compare credit history car insurance rates in La Fayette from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in La Fayette, Alabama

Insurance Company Poor Fair Good
Allstate $3,760 $2,948 $2,411
Farmers $4,887 $4,192 $3,976
GEICO $3,742 $2,668 $2,413
Liberty Mutual $7,352 $4,505 $3,541
Nationwide $3,155 $2,458 $2,223
Progressive $4,412 $3,768 $3,515
State Farm $7,818 $3,954 $2,683
Travelers $4,169 $3,613 $3,682
USAA $2,977 $1,937 $1,729

Cheapest La Fayette, AL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in La Fayette, AL to rates for a clean record with top companies.

Annual La Fayette, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,594 $3,050 $3,595 $2,921
Farmers $3,669 $4,724 $4,608 $4,404
GEICO $1,999 $3,186 $3,902 $2,678
Liberty Mutual $4,031 $5,595 $5,485 $5,419
Nationwide $2,283 $2,283 $3,331 $2,551
Progressive $3,529 $4,417 $3,775 $3,872
State Farm $4,362 $5,376 $4,768 $4,768
Travelers $3,185 $3,343 $4,878 $3,880
USAA $1,702 $2,137 $3,177 $1,842

Cheapest La Fayette, AL Car Insurance for Teen Drivers

Teen car insurance in La Fayette, AL can be expensive. Take a look at rates from the top car insurance companies in La Fayette for teenagers.

Annual Car Insurance Rates for Teen Drivers in La Fayette, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,327 $6,796
Farmers $9,410 $9,698
GEICO $5,489 $5,415
Liberty Mutual $10,816 $12,038
Nationwide $4,446 $5,755
Progressive $8,609 $9,629
State Farm $8,853 $11,100
Travelers $8,280 $13,049
USAA $4,109 $4,556

Cheapest La Fayette, AL Car Insurance for Seniors

Take a look at La Fayette, AL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in La Fayette, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,670 $1,703
Farmers $2,283 $2,410
GEICO $1,997 $2,040
Liberty Mutual $2,479 $2,777
Nationwide $1,564 $1,624
Progressive $1,751 $1,855
State Farm $2,684 $2,684
Travelers $1,456 $1,454
USAA $1,285 $1,259

Cheapest La Fayette, AL Car Insurance Rates After a DUI

A DUI in La Fayette, AL increases car insurance rates. Compare La Fayette, Alabama DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in La Fayette, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,595
Farmers $4,608
GEICO $3,902
Liberty Mutual $5,485
Nationwide $3,331
Progressive $3,775
State Farm $4,768
Travelers $4,878
USAA $3,177

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Cheapest La Fayette, AL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in La Fayette, AL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in La Fayette, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,040 $3,040
Farmers $4,352 $4,352
GEICO $2,886 $2,996
Liberty Mutual $5,133 $5,133
Nationwide $2,612 $2,612
Progressive $3,898 $3,898
State Farm $4,703 $4,934
Travelers $3,821 $3,821
USAA $2,113 $2,316

The Best Cheap Car Insurance Companies in La Fayette, AL

Take a look at a side-by-side comparison of the top car insurance companies in La Fayette, AL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in La Fayette, Alabama

Insurance Company Average Annual Rates
Allstate $3,040
Farmers $4,352
GEICO $2,941
Liberty Mutual $5,133
Nationwide $2,612
Progressive $3,898
State Farm $4,819
Travelers $3,821
USAA $2,214

Category Winners: Cheapest Car Insurance in La Fayette, Alabama

Find the cheapest car insurance companies in La Fayette, AL for each category right here.

Best Annual Car Insurance Rates by Company in La Fayette, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest La Fayette, AL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your La Fayette car insurance rates. Find the cheapest La Fayette, AL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in La Fayette, Alabama

Insurance Company Low Medium High
Allstate $2,936 $3,036 $3,148
Farmers $4,139 $4,302 $4,613
GEICO $2,736 $2,929 $3,159
Liberty Mutual $4,896 $5,108 $5,394
Nationwide $2,607 $2,586 $2,642
Progressive $3,548 $3,882 $4,265
State Farm $4,578 $4,813 $5,065
Travelers $3,632 $3,898 $3,933
USAA $2,136 $2,203 $2,304

What affects car insurance rates in La Fayette, Alabama?

What factors can have an impact on La Fayette, AL car insurance? There are several reasons why La Fayette car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in La Fayette, Alabama.

Commute Time in La Fayette

The more time you spend in your car the higher the risk of an accident. The average commute length in La Fayette, AL is 25.5 minutes according to City-Data.

Compare Car Insurance Quotes in La Fayette, AL

Ready to find affordable La Fayette, Alabama car insurance today? Enter your ZIP code for fast, free La Fayette, AL car insurance quotes.

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