Compare La Fayette, KY Car Insurance Rates (2021)

Car insurance in La Fayette, KY averages $333 a month. La Fayette, Kentucky 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, KY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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, KY are $4,001/year
  • The cheapest car insurance company in La Fayette is USAA
  • The cheapest car insurance company in La Fayette for teen drivers is USAA

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

You’ll find La Fayette car insurance rates, the cheapest La Fayette, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare La Fayette, Kentucky car insurance rates to Florence car insurance rates, Owensboro car insurance rates, and Independence car insurance rates.

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

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

How do age, gender, and marital status affect La Fayette, KY car insurance rates? Every La Fayette, Kentucky 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, Kentucky

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 $3,294 $3,284 $2,948 $3,147 $11,589 $13,010 $3,713 $3,954
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,359 $2,553 $2,013 $2,242 $9,519 $10,515 $2,469 $2,572
Nationwide $2,865 $2,875 $2,588 $2,712 $6,272 $7,843 $3,227 $3,396
Progressive $2,006 $1,918 $1,793 $1,804 $9,586 $10,854 $2,489 $2,556
State Farm $1,882 $1,882 $1,660 $1,660 $5,045 $6,316 $2,098 $2,302
Travelers $2,157 $2,197 $2,111 $2,117 $10,178 $16,299 $2,252 $2,612
USAA $1,601 $1,605 $1,446 $1,472 $4,220 $4,452 $2,019 $2,210

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Minimum Car Insurance in La Fayette, KY

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

Minimum Required Car Insurance Coverage in La Fayette, Kentucky

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, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in La Fayette, KY. 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, Kentucky

Insurance Company Poor Fair Good
Allstate $7,441 $5,124 $4,287
GEICO $6,223 $3,107 $2,025
Liberty Mutual $6,106 $3,759 $2,975
Nationwide $4,825 $3,790 $3,302
Progressive $4,615 $4,018 $3,744
State Farm $4,135 $2,492 $1,941
Travelers $5,568 $4,711 $4,692
USAA $3,530 $1,984 $1,619

Cheapest La Fayette, KY 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, KY to rates for a clean record with top companies.

Annual La Fayette, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,711 $6,071 $6,418 $5,269
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $3,577 $5,476 $4,269 $3,798
Nationwide $3,161 $4,084 $5,164 $3,480
Progressive $3,416 $5,038 $3,896 $4,153
State Farm $2,633 $3,078 $2,856 $2,856
Travelers $4,355 $4,481 $6,457 $4,669
USAA $1,796 $2,535 $3,020 $2,161

Cheapest La Fayette, KY Car Insurance for Teen Drivers

Teen car insurance in La Fayette, KY 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, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,589 $13,010
GEICO $6,168 $7,329
Liberty Mutual $9,519 $10,515
Nationwide $6,272 $7,843
Progressive $9,586 $10,854
State Farm $5,045 $6,316
Travelers $10,178 $16,299
USAA $4,220 $4,452

Cheapest La Fayette, KY Car Insurance for Seniors

Take a look at La Fayette, KY 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, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,948 $3,147
GEICO $3,218 $2,914
Liberty Mutual $2,013 $2,242
Nationwide $2,588 $2,712
Progressive $1,793 $1,804
State Farm $1,660 $1,660
Travelers $2,111 $2,117
USAA $1,446 $1,472

Cheapest La Fayette, KY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,418
GEICO $6,130
Liberty Mutual $4,269
Nationwide $5,164
Progressive $3,896
State Farm $2,856
Travelers $6,457
USAA $3,020

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Cheapest La Fayette, KY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in La Fayette, KY 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, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,617 $5,617
GEICO $3,750 $3,821
Liberty Mutual $4,280 $4,280
Nationwide $3,972 $3,972
Progressive $4,126 $4,126
State Farm $2,782 $2,929
Travelers $4,990 $4,990
USAA $2,290 $2,466

The Best Cheap Car Insurance Companies in La Fayette, KY

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

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

Insurance Company Average Annual Rates
Allstate $5,617
GEICO $3,785
Liberty Mutual $4,280
Nationwide $3,972
Progressive $4,126
State Farm $2,856
Travelers $4,990
USAA $2,378

Category Winners: Cheapest Car Insurance in La Fayette, Kentucky

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

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

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

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Cheapest La Fayette, KY 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, KY car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $5,286 $5,598 $5,967
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,099 $4,256 $4,486
Nationwide $4,032 $3,926 $3,959
Progressive $3,826 $4,080 $4,470
State Farm $2,717 $2,854 $2,997
Travelers $4,749 $5,016 $5,206
USAA $2,271 $2,373 $2,490

Compare Car Insurance Quotes in La Fayette, KY

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

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