Best Cheap Auto Insurance in Lafayette, LA (2021)

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 Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

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.

Things to Remember

  • 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.

Minimum Required Auto 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

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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Lafayette, Louisiana Auto 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

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.

Annual Auto Insurance Rates After a DUI in Lafayette, Louisiana

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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Auto Insurance Rates by Commute Length in Lafayette, Louisiana

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.

Annual Auto 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

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.

Best Annual Auto 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

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.

Average Annual Auto 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

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.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption