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Finding the cheapest car insurance quotes in La Fayette shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 $848 for a six-month policy, which is $174 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $360, 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.
At $360 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Cincinnati
Cincinnati offers auto
insurance rates at $394 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Kentucky Farm Bureau
Kentucky Farm Bureau offers auto insurance
rates at $518
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, KY is AutoOwners Insurance Co, offering policies at just $360 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $394.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $986 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.
Way's key takeaways about car insurance in La Fayette
The auto insurance costs in La Fayette fall around $360 for six
months.
The cheapest auto insurance company in La Fayette is Cincinnati.
Teen drivers pay the highest rate in La Fayette at $1157 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
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 $124.
Allstate is the most
expensive at $863 for the same
period.
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 $61 per month and $360
for six months.
Cheapest Full Coverage Car Insurance Quotes in La Fayette,
KY
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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, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in La Fayette, Kentucky, may be increasing due to several external factors.
Kentucky 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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
USAA
$821
30s
Auto-Owners
$623
40s
Auto-Owners
$608
50s
Auto-Owners
$581
60s
USAA
$604
70s
State Farm
$673
Cheapest Car Insurance Rates for Teen Drivers in
La Fayette,KY
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 $27
per
month. At $6872 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in La Fayette.
As young drivers face the highest rates in La Fayette, USAA
offers the cheapest auto insurance rates at $821 for six months.
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 $212 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 Allstate, offering
rates of around $4477 for six
months.
Save up to $971/yr on car insurance rates in La Fayette.
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, KY,
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 AutoOwners Insurance Co
and Electric, offering $251
and $251,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3624.
Here is a list of driving violations that can increase your car
insurance rates in La Fayette KY. For example, the car
insurance in La Fayette
after a DUI increases to $1031 for a six
month policy. While the rate increases by $261 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
$1203
$201
One Med/PIP claim
$1213
$206
Two Med/PIP claims
$1262
$210
Not-at-fault accident
$1296
$221
One comp claim
$1316
$219
Failure to wear a seat belt
$1331
$227
Failure to show documents
$1375
$229
Two comp claims
$1375
$234
Driving without lights
$1380
$230
Child safety restraint
$1395
$237
Cell phone violation
$1449
$242
Driving with expired registration
$1454
$247
Texting while driving
$1454
$242
Driving too slowly
$1464
$249
Failure to stop at a red light
$1464
$244
Failure to yield
$1464
$249
Speeding 6 - 10 MPH over limit
$1464
$244
Speeding in school zone
$1464
$249
Following too closely
$1469
$245
Illegal turn
$1469
$250
Speeding 11 - 15 MPH over limit
$1469
$245
Wrong way/wrong lane
$1469
$250
Improper passing
$1474
$246
Speeding 16 - 20 MPH over limit
$1474
$251
Speeding 21 - 25 MPH over limit
$1504
$251
In 65 MPH zone
$1514
$257
Passing school bus
$1538
$256
Open container
$1578
$268
At-fault accident - less than $1000
$1607
$268
Operating a vehicle without permission
$1726
$294
At-fault accident - $1000-$2000
$1745
$291
At-fault accident - greater than $2000
$1745
$297
Reckless driving
$2194
$366
Refusal to submit to a chemical test
$2224
$378
DUI
$2234
$372
Driving with a suspended license
$2239
$381
Racing
$2248
$374
Leaving scene of an accident/hit and run
$2273
$387
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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 $330 for a six-month policy.
However, it can be as
expensive as $1878 with companies
like AutoOwners.
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 $148. However,
it can be as expensive as $2460
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in La Fayette after Speeding ticket
Car Insurance Price Trends in La Fayette,
Kentucky
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 rose by
$184 in December
compared to $183 of November. In other words, there has been an increase by $1 when you
compare December and November.
The average cost of liability insurance in the La Fayette rose to $51 in December,
compared to $50 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in La Fayette by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
La Fayette. At $1696 for a
six-month policy, insuring
your car at 42254 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in La Fayette?
The car insurance in La Fayette is $21 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 $61 per month
for full coverage.
How much is car insurance in La Fayette for teenagers?
Car insurance for teenagers costs $158 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 $1022 for a six-month
policy. It will cost around $143 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.
What is the best car insurance in La Fayette,
KY?
The best car insurance company in La Fayette
KY is
AutoOwners Insurance Co, offering $360 for a
six-month policy.
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Find Car Insurance Rates in Cities Near La Fayette, KY
Car Insurance Rates by State in the USA (2025 Update)
La Fayette Car Insurance
