Lafayette, LA Auto Insurance (2024)
The average Lafayette, LA auto insurance rates are $481 per month. The minimum auto insurance in Lafayette is at least 15/30/25 in coverage to comply with Louisiana auto insurance laws. To find the best cheap auto insurance in Lafayette, Louisiana, compare quotes from multiple companies.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Lafayette, Louisiana is 15/30/25
- Average auto insurance rates in Lafayette, LA for senior drivers are $3,577 per year
- The most expensive auto insurance company in Lafayette for teen drivers is Progressive
Lafayette, Louisiana auto insurance requirements are 15/30/25 according to Louisiana auto insurance laws. Finding cheap auto insurance in Lafayette can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lafayette, Louisiana, including driving record, credit, commute time, and more.
Compare auto insurance in Lafayette to other Louisiana cities, including Shreveport auto insurance rates, Kenner auto insurance rates, and Baton Rouge auto insurance rates to see how Lafayette, Louisiana auto insurance rates stack up.
Before you buy Lafayette, Louisiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lafayette, Louisiana auto insurance quotes.
Minimum Auto Insurance in Lafayette, Louisiana
Lafayette, Louisiana auto insurance laws require that you have at least the Louisiana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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 |
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Cheap Lafayette, Louisiana Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Lafayette, Louisiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Lafayette, Louisiana Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Lafayette, Louisiana is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Lafayette, Louisiana Auto Insurance for Seniors
What are senior auto insurance rates in Lafayette, Louisiana? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Lafayette, Louisiana Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lafayette, Louisiana compared to the annual auto insurance rates with a clean record in Lafayette, Louisiana.
| 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 |
Cheap Lafayette, Louisiana Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Lafayette, Louisiana is not easy. Compare the annual rates for DUI auto insurance in Lafayette, Louisiana to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,298 |
| Geico | $8,237 |
| Progressive | $8,207 |
| State Farm | $4,739 |
| USAA | $5,837 |
Cheap Lafayette, Louisiana Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Lafayette, Louisiana annual auto insurance rates by credit history compare.
| 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 |
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Cheap Lafayette, Louisiana Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Lafayette, Louisiana can vary. Compare the annual cost of auto insurance by ZIP code in Lafayette, Louisiana to see how car insurance rates are affected by location.
| 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 |
Cheap Lafayette, Louisiana Auto Insurance Rates By Commute
Commute length and annual mileage affect Lafayette, Louisiana auto insurance. Find the cheapest annual Lafayette, Louisiana auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Lafayette, Louisiana Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Lafayette, Louisiana? Check out the comparison of annual Lafayette, Louisiana auto insurance rates by coverage level.
| 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 |
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Best By Category: Cheapest Auto Insurance in Lafayette, Louisiana
Compare the cheapest auto insurance companies in Lafayette, Louisiana in each category to find the company with the best rates for your personal needs.
| 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 |
The Cheapest Lafayette, Louisiana Auto Insurance Companies
What auto insurance companies in Lafayette, Louisiana are the cheapest? Compare the top Lafayette, Louisiana auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,841 |
| Geico | $6,053 |
| Progressive | $7,641 |
| State Farm | $4,739 |
| USAA | $4,612 |
What affects auto insurance rates in Lafayette, Louisiana?
There are a lot of reasons why auto insurance rates in Lafayette, Louisiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lafayette, Louisiana. Many local factors may affect your Lafayette auto insurance rates.
Lafayette Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lafayette, Louisiana auto theft statistics, there have been 378 auto thefts in the city.
Lafayette Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lafayette, Louisiana commute length is 21.2 minutes according to City-Data.
Lafayette Traffic
How does Lafayette, Louisiana rank for traffic? According to Inrix Lafayette, Louisiana is the 617th most congested worldwide.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Compare Lafayette, Louisiana Auto Insurance Quotes
Before you buy Lafayette, Louisiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lafayette, Louisiana auto insurance quotes.
Frequently Asked Questions
What is Lafayette, LA auto insurance?
Lafayette, LA auto insurance refers to the insurance coverage specifically designed for vehicles registered and operated in Lafayette, Louisiana. It provides financial protection in case of accidents, damages, theft, or other incidents involving vehicles in the Lafayette area.
Is auto insurance mandatory in Lafayette, LA?
Yes, auto insurance is mandatory in Lafayette, LA, as it is in the state of Louisiana. All drivers in Lafayette must carry at least the minimum required liability insurance as mandated by state law.
What are the minimum auto insurance requirements in Lafayette, LA?
In Lafayette, LA, drivers are required to carry liability insurance with minimum coverage limits of 15/30/25. This means at least $15,000 bodily injury liability coverage per person, $30,000 bodily injury liability coverage per accident, and $25,000 property damage liability coverage per accident.
Are there any additional coverage options to consider for auto insurance in Lafayette, LA?
While liability insurance is the minimum requirement, it’s also important to consider additional coverage options for enhanced protection. Collision coverage can help cover repairs or replacement costs for your vehicle in case of a collision. Comprehensive coverage can protect against non-collision-related incidents such as theft, vandalism, or damage from natural disasters. Uninsured/underinsured motorist coverage is also recommended to protect you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
How can I find affordable auto insurance in Lafayette, LA?
To find affordable auto insurance in Lafayette, LA, it’s advisable to shop around and compare quotes from different insurance providers. Factors such as your driving record, age, type of vehicle, and coverage needs can influence the cost of insurance. Additionally, maintaining a good driving record, bundling your auto insurance with other policies, and inquiring about available discounts can help you secure more affordable rates.
Are there any specific discounts or programs available for auto insurance in Lafayette, LA?
Insurance providers may offer various discounts and programs that can help reduce the cost of auto insurance in Lafayette, LA. These may include discounts for safe driving, good student discounts, multi-policy discounts, or discounts for installing safety features in your vehicle. It’s recommended to inquire about available discounts when obtaining insurance quotes.
What should I do if I need to file an auto insurance claim in Lafayette, LA?
If you need to file an auto insurance claim in Lafayette, LA, you should contact your insurance provider as soon as possible. They will guide you through the claims process and provide instructions on what information or documentation is required. Be prepared to provide details about the incident, such as the date, time, location, and any necessary supporting evidence, such as photographs or police reports.
Can I use my Lafayette, LA auto insurance for out-of-state travel?
Your Lafayette, LA auto insurance typically provides coverage when you travel out of state. However, it’s important to review your policy or contact your insurance provider to understand any limitations or restrictions that may apply. Some policies may have certain coverage limitations or additional requirements when driving in certain states or regions.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.