Cheapest Car Insurance Quotes in La Fayette

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La Fayette Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in La Fayette

The car insurance rate in La Fayette is $983 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $510, making it a popular choice for budget-conscious drivers. Rates in La Fayette can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in La Fayette

$983

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in La Fayette

1st place: AutoOwners Insurance Co

At $510 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $708 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $762 for six months, making it the third cheapest auto insurance company in La Fayette.

La Fayette Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in La Fayette, AL is AutoOwners Insurance Co, offering policies at just $510 for a six-month term. This is followed by Travelers, which has an average six-month premium of $708.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2022 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help La Fayette drivers find the best deals.

Cheap Car Insurance Companies in La Fayette, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$510	$87
Travelers	$708	$119
Cincinnati	$762	$128
Country Financial	$768	$129
State Farm	$768	$129
USAA	$816	$137
Auto-Owners	$828	$139
Allstate	$1032	$174
Progressive	$1164	$196
Nationwide	$1434	$241
Farmers	$2022	$337

Key Takeaways

Way's key takeaways about car insurance in La Fayette

The auto insurance costs in La Fayette fall around $510 for six months.
The cheapest auto insurance company in La Fayette is Cincinnati.
Teen drivers pay the highest rate in La Fayette at $1099 per month.

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Cheapest Minimum Liability Car Insurance in La Fayette

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in La Fayette are given below.

Cincinnati provides the cheapest minimum car insurance coverage in La Fayette. Their Average 6 Month Premium is $132. Farmers is the most expensive at $768 for the same period.

Cheapest Liability Coverage in La Fayette, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$132	$22
Mercury	$144	$24
Auto-Owners Insurance Co	$228	$38
Travelers	$240	$40
USAA	$240	$40
State Farm	$258	$43
Auto-Owners	$276	$46
Country Financial	$288	$48
Progressive	$372	$63
Allstate	$426	$72
Nationwide	$534	$90
Farmers	$768	$128

Cheapest Full Coverage Car Insurance in La Fayette

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in La Fayette is AutoOwners Insurance Co at $87 per month and $510 for six months.

Cheapest Full Coverage Car Insurance Quotes in La Fayette, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$510	$87
Travelers	$708	$119
Cincinnati	$762	$128
Country Financial	$768	$129
State Farm	$768	$129
USAA	$816	$137
Auto-Owners	$828	$139
Allstate	$1032	$174
Progressive	$1164	$196
Nationwide	$1434	$241
Farmers	$2022	$337

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Average Car Insurance in La Fayette by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in La Fayette, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in La Fayette, Alabama, may be increasing due to several external factors. Alabama has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, La Fayette's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in La Fayette

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in La Fayette,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the La Fayette at $24 per month. At $6461 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$144	$24
Country Financial	$960	$162
Travelers	$1416	$238
USAA	$1800	$303
State Farm	$2106	$355
Auto-Owners	$2424	$412
Allstate	$3155	$531
Progressive	$5495	$925
Nationwide	$5616	$945
Farmers	$6461	$1099

Teen Car Insurance Rates in AL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in La Fayette, Cincinnati is the cheapest car insurance provider. At $186 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in La Fayette is Farmers, offering rates of around $3269 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$186	$31
Country Financial	$750	$126
Travelers	$851	$143
Progressive	$1164	$196
USAA	$1230	$205
Nationwide	$1559	$263
Allstate	$1746	$291
Auto-Owners	$2520	$428
State Farm	$3581	$597
Farmers	$3269	$556

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Car Insurance Rates with An Accident in La Fayette

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In La Fayette, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in La Fayette

The cheapest car insurance companies after an at-fault accident in La Fayette include Cincinnati and AutoOwners Insurance Co, offering $204 and $318, respectively. Farmers is an expensive provider with an average six-month premium of $2802.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$204	$34
Auto-Owners Insurance Co	$318	$55
Safeway	$396	$67
Travelers	$564	$95
Country Financial	$594	$100
State Farm	$738	$124
USAA	$840	$141
Auto-Owners	$912	$154
Allstate	$1236	$208
Progressive	$1914	$322
Nationwide	$2610	$439
Farmers	$2802	$477

La Fayette Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in La Fayette AL. For example, the car insurance in La Fayette after a DUI increases to $816 for a six month policy. While the rate increases by $234 for a six-month policy in the case of a speeding ticket.

La Fayette auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$984	$164
One Med/PIP claim	$984	$168
One comp claim	$1014	$169
Two Med/PIP claims	$1014	$173
Not-at-fault accident	$1020	$170
Two comp claims	$1068	$182
Driving without lights	$1170	$195
Failure to wear a seat belt	$1182	$201
Failure to show documents	$1188	$198
Child safety restraint	$1194	$203
Cell phone violation	$1212	$202
Driving with expired registration	$1212	$206
Driving too slowly	$1218	$203
Speeding 6 - 10 MPH over limit	$1218	$207
Speeding in school zone	$1218	$203
Texting while driving	$1218	$207
Speeding 11 - 15 MPH over limit	$1230	$205
Wrong way/wrong lane	$1230	$209
Failure to yield	$1236	$206
Following too closely	$1236	$210
Illegal turn	$1236	$206
Speeding 16 - 20 MPH over limit	$1236	$210
Failure to stop at a red light	$1242	$207
Improper passing	$1242	$211
Passing school bus	$1284	$214
Speeding 21 - 25 MPH over limit	$1290	$219
At-fault accident - less than $1000	$1302	$217
In 65 MPH zone	$1320	$224
At-fault accident - $1000-$2000	$1422	$237
Operating a vehicle without permission	$1451	$246
At-fault accident - greater than $2000	$1463	$244
Open container	$1494	$254
Reckless driving	$1655	$276
Driving with a suspended license	$1728	$294
Racing	$1751	$292
Refusal to submit to a chemical test	$1763	$300
DUI	$1800	$300
Leaving scene of an accident/hit and run	$1872	$318

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in La Fayette after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in La Fayette.

The cheapest car insurance premiums in La Fayette are offered by Cincinnati at $276 for a six-month policy. However, it can be as expensive as $2694 with companies like Farmers.

La Fayette car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$276	$46
Travelers	$690	$116
Country Financial	$810	$136
Allstate	$1151	$194
Progressive	$1164	$196
USAA	$1248	$210
State Farm	$1308	$220
Auto-Owners	$1734	$292
Nationwide	$3516	$592
Farmers	$2694	$458

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in La Fayette are offered by Cincinnati at $138. However, it can be as expensive as $2586 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in La Fayette after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$138	$23
Auto-Owners Insurance Co	$264	$44
State Farm	$618	$104
Country Financial	$624	$105
Travelers	$653	$110
USAA	$822	$139
Auto-Owners	$864	$144
Allstate	$1110	$189
Progressive	$1704	$284
Nationwide	$2634	$447
Farmers	$2586	$439

Car Insurance Price Trends in La Fayette, Alabama

Car insurance rates in La Fayette have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the La Fayette dipped by $194 in January compared to $200 of December. In other words, there has been an decrease by $6 when you compare January and December.

The average cost of liability insurance in the La Fayette dipped to $48 in January, compared to $51 in December. This represents an decrease of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in La Fayette?

The car insurance in La Fayette is $22 per month, which is lower than the national average.

What is the cheapest car insurance in La Fayette?

The cheapest car insurance in La Fayette is $87 per month for full coverage.

How much is car insurance in La Fayette for teenagers?

Car insurance for teenagers costs $144 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in La Fayette?

The average cost of car insurance is $973 for a six-month policy. It will cost around $165 per month to insure your car in La Fayette.

Is car insurance expensive in La Fayette?

Car insurance can be expensive in La Fayette if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in La Fayette can be affordable.

Cheapest Car Insurance Quotes in La Fayette

Why you can trust Way?

How Much Is Car Insurance in La Fayette

Avg. Car Insurance in La Fayette

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in La Fayette

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

La Fayette Car Insurance Rates by Company

Cheap Car Insurance Companies in La Fayette, AL

Way's key takeaways about car insurance in La Fayette

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in La Fayette

Cheapest Liability Coverage in La Fayette, AL

Cheapest Full Coverage Car Insurance in La Fayette

Cheapest Full Coverage Car Insurance Quotes in La Fayette, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in La Fayette by Rating Factor

I have a clean driving record. Why is my car insurance rate here in La Fayette, AL increasing?

Car Insurance Premiums by Age in La Fayette

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in La Fayette,AL

If you are in your twenties N/A is the best choice for car insurance in La Fayette.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in La Fayette

Cheapest Car Insurance Companies after an At-Fault Accident in La Fayette

La Fayette Car Insurance Rates by Violation

La Fayette auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in La Fayette after a DUI

La Fayette car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in La Fayette after Speeding ticket

Car Insurance Price Trends in La Fayette, Alabama

Average Car Insurance Cost in La Fayette by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near La Fayette, AL

Car Insurance Rates by State in the USA (2025 Update)

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