Compare Lafayette, LA Car Insurance Rates (2021)

Car insurance in Lafayette, LA averages $481 a month. Lafayette, Louisiana car insurance requirements are 15/30/25, 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, LA.

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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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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's What You Need to Know

  • The cheapest ZIP code in Lafayette is 70507
  • Average car insurance rates in Lafayette, LA are $5,777/year
  • The cheapest car insurance company in Lafayette is USAA

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

You’ll find Lafayette car insurance rates, the cheapest Lafayette, LA car insurance companies, and information on Louisiana car insurance laws. You can also compare Lafayette, Louisiana car insurance rates to Houma car insurance rates, Lafayette car insurance rates, and Alexandria car insurance rates.

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

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

How do age, gender, and marital status affect Lafayette, LA car insurance rates? Every Lafayette, Louisiana 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, Louisiana

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 $4,095 $4,095 $4,255 $4,255 $9,105 $11,479 $4,531 $4,913
GEICO $3,356 $3,877 $4,050 $4,970 $12,589 $13,225 $3,242 $3,111
Progressive $4,206 $3,897 $3,539 $3,840 $17,093 $18,950 $4,777 $4,825
State Farm $2,901 $2,901 $2,691 $2,691 $8,815 $11,034 $3,242 $3,639
USAA $2,806 $2,752 $2,758 $2,721 $8,610 $10,060 $3,435 $3,751

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Minimum Car Insurance in Lafayette, LA

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

Minimum Required Car Insurance Coverage in Lafayette, Louisiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Lafayette, LA Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Lafayette, Louisiana

Insurance Company Poor Fair Good
Allstate $7,671 $5,264 $4,588
GEICO $7,200 $6,248 $4,709
Progressive $8,604 $7,412 $6,907
State Farm $6,564 $4,232 $3,422
USAA $6,348 $4,077 $3,410

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

Annual Lafayette, Louisiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,577 $7,079 $6,298 $5,410
GEICO $4,089 $6,645 $8,237 $5,240
Progressive $6,355 $8,572 $8,207 $7,430
State Farm $4,326 $5,153 $4,739 $4,739
USAA $3,511 $4,900 $5,837 $4,199

Cheapest Lafayette, LA Car Insurance for Teen Drivers

Teen car insurance in Lafayette, LA 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, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,105 $11,479
GEICO $12,589 $13,225
Progressive $17,093 $18,950
State Farm $8,815 $11,034
USAA $8,610 $10,060

Cheapest Lafayette, LA Car Insurance for Seniors

Take a look at Lafayette, LA 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, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,255 $4,255
GEICO $4,050 $4,970
Progressive $3,539 $3,840
State Farm $2,691 $2,691
USAA $2,758 $2,721

Cheapest Lafayette, LA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lafayette, Louisiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,298
GEICO $8,237
Progressive $8,207
State Farm $4,739
USAA $5,837

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Cheapest Lafayette, LA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lafayette, Louisiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,841 $5,841
GEICO $5,939 $6,166
Progressive $7,641 $7,641
State Farm $4,617 $4,862
USAA $4,470 $4,754

Cheapest Lafayette, LA Car Insurance Rates by ZIP Code

Lafayette car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lafayette, LA.

Annual Car Insurance Rates by ZIP Code in Lafayette, Louisiana

ZIP Code Average Annual Rates
70501 $5,543
70503 $5,419
70504 $5,327
70506 $5,423
70507 $5,307
70508 $5,382
70583 $5,410

The Best Cheap Car Insurance Companies in Lafayette, LA

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

Average Annual Car Insurance Rates by Company in Lafayette, Louisiana

Insurance Company Average Annual Rates
Allstate $5,841
GEICO $6,053
Progressive $7,641
State Farm $4,739
USAA $4,612

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Category Winners: Cheapest Car Insurance in Lafayette, Louisiana

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

Best Annual Car Insurance Rates by Company in Lafayette, Louisiana

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

Cheapest Lafayette, LA 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, LA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lafayette, Louisiana

Insurance Company Low Medium High
Allstate $5,064 $5,952 $6,507
GEICO $4,970 $6,078 $7,110
Progressive $6,227 $7,569 $9,127
State Farm $4,041 $4,727 $5,449
USAA $3,971 $4,686 $5,179

What affects car insurance rates in Lafayette, Louisiana?

What factors can have an impact on Lafayette, LA 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, Louisiana.

Car Theft in Lafayette

High levels of vehicle theft can make car insurance more expensive. Lafayette, LA car theft statistics from the FBI indicate 378 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, LA is 21.2 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, LA traffic data from INRIX ranks Lafayette as the 617th-most congested in the world.

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Compare Car Insurance Quotes in Lafayette, LA

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

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