Compare Lafayette, CA Car Insurance Rates (2021)

Car insurance in Lafayette, CA averages $279 a month. Lafayette, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Lafayette car insurance rates, compare quotes from the top car insurance companies in Lafayette, CA.

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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

  • The cheapest car insurance company in Lafayette for teen drivers is USAA
  • Average car insurance rates in Lafayette, CA are $3,344/year
  • The cheapest car insurance company in Lafayette is Progressive

If you need to buy Lafayette, California car insurance, the options can be confusing. Everything you need to know about car insurance in Lafayette, CA is right here.

You’ll find Lafayette car insurance rates, the cheapest Lafayette, CA car insurance companies, and information on California car insurance laws. You can also compare Lafayette, California car insurance rates to Los Angeles car insurance rates, Anaheim car insurance rates, and Fresno car insurance rates.

Ready to find affordable Lafayette, CA car insurance today? Enter your ZIP code for fast, free Lafayette car insurance quotes.

Cheapest Lafayette, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lafayette, CA car insurance rates? Every Lafayette, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lafayette, California

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 $2,777 $2,775 $2,033 $2,047 $7,788 $9,795 $3,541 $3,875
Farmers $2,319 $2,319 $2,089 $2,089 $7,489 $12,347 $2,757 $3,076
GEICO $1,566 $1,567 $1,473 $1,473 $4,788 $4,866 $2,252 $2,298
Liberty Mutual $2,020 $1,914 $1,879 $1,822 $4,423 $4,701 $2,277 $2,292
Nationwide $2,933 $2,799 $2,565 $2,417 $7,510 $8,266 $3,515 $3,473
Progressive $1,551 $1,598 $1,309 $1,558 $4,099 $4,952 $2,221 $2,389
State Farm $3,134 $3,134 $2,801 $2,801 $5,784 $7,171 $3,472 $3,580
Travelers $2,351 $2,276 $2,083 $2,061 $4,859 $5,558 $3,054 $2,991
USAA $1,775 $1,681 $1,734 $1,742 $4,012 $4,045 $2,461 $2,326

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Minimum Car Insurance in Lafayette, CA

Every driver must carry the minimum car insurance in Lafayette, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Lafayette, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Lafayette, CA 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 Lafayette, CA to rates for a clean record with top companies.

Annual Lafayette, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,615 $4,385 $6,888 $3,428
Farmers $3,185 $4,337 $5,409 $4,312
GEICO $1,771 $2,742 $3,430 $2,197
Liberty Mutual $2,314 $3,101 $2,797 $2,452
Nationwide $2,924 $3,744 $6,326 $3,744
Progressive $1,617 $2,733 $3,163 $2,325
State Farm $2,844 $3,392 $6,403 $3,300
Travelers $2,113 $3,420 $3,984 $3,099
USAA $1,645 $2,444 $3,998 $1,801

Cheapest Lafayette, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lafayette, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,788 $9,795
Farmers $7,489 $12,347
GEICO $4,788 $4,866
Liberty Mutual $4,423 $4,701
Nationwide $7,510 $8,266
Progressive $4,099 $4,952
State Farm $5,784 $7,171
Travelers $4,859 $5,558
USAA $4,012 $4,045

Cheapest Lafayette, CA Car Insurance for Seniors

Take a look at Lafayette, CA 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 Lafayette, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,033 $2,047
Farmers $2,089 $2,089
GEICO $1,473 $1,473
Liberty Mutual $1,879 $1,822
Nationwide $2,565 $2,417
Progressive $1,309 $1,558
State Farm $2,801 $2,801
Travelers $2,083 $2,061
USAA $1,734 $1,742

Cheapest Lafayette, CA Car Insurance Rates After a DUI

A DUI in Lafayette, CA increases car insurance rates. Compare Lafayette, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lafayette, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,888
Farmers $5,409
GEICO $3,430
Liberty Mutual $2,797
Nationwide $6,326
Progressive $3,163
State Farm $6,403
Travelers $3,984
USAA $3,998

Cheapest Lafayette, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lafayette, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,904 $4,753
Farmers $3,912 $4,710
GEICO $2,303 $2,767
Liberty Mutual $2,450 $2,881
Nationwide $3,695 $4,674
Progressive $2,232 $2,687
State Farm $3,841 $4,129
Travelers $2,838 $3,471
USAA $2,280 $2,664

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The Best Cheap Car Insurance Companies in Lafayette, CA

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

Average Annual Car Insurance Rates by Company in Lafayette, California

Insurance Company Average Annual Rates
Allstate $4,329
Farmers $4,311
GEICO $2,535
Liberty Mutual $2,666
Nationwide $4,185
Progressive $2,460
State Farm $3,985
Travelers $3,154
USAA $2,472

Category Winners: Cheapest Car Insurance in Lafayette, California

Find the cheapest car insurance companies in Lafayette, CA for each category right here.

Best Annual Car Insurance Rates by Company in Lafayette, California

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

Cheapest Lafayette, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lafayette, California

Insurance Company Low Medium High
Allstate $4,098 $4,367 $4,522
Farmers $4,045 $4,344 $4,543
GEICO $2,331 $2,563 $2,711
Liberty Mutual $2,492 $2,691 $2,815
Nationwide $3,778 $4,260 $4,516
Progressive $2,233 $2,530 $2,617
State Farm $3,597 $4,054 $4,303
Travelers $2,764 $3,242 $3,456
USAA $2,260 $2,517 $2,639

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What affects car insurance rates in Lafayette, California?

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

Car Theft in Lafayette

High levels of vehicle theft can make car insurance more expensive. Lafayette, CA car theft statistics from the FBI indicate 17 vehicle thefts a year.

Commute Time in Lafayette

The more time you spend in your car the higher the risk of an accident. The average commute length in Lafayette, CA is 33.0 minutes according to City-Data.

Traffic in Lafayette

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lafayette, CA traffic data from INRIX ranks Lafayette as the 617th-most congested in the world.

Compare Car Insurance Quotes in Lafayette, CA

Ready to find affordable Lafayette, California car insurance today? Enter your ZIP code for fast, free Lafayette, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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