Cheapest Car Insurance Quotes in Lafayette

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Lafayette Car Insurance

^$ 42

/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 Lafayette

The car insurance rate in Lafayette is $1808 for a six-month policy, which is $118 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $521, making it a popular choice for budget-conscious drivers. Rates in Lafayette 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 Lafayette

$1808

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Lafayette

1st place: Louisiana Farm Bureau

At $521 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1182 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1570 for six months, making it the third cheapest auto insurance company in Lafayette.

Lafayette Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lafayette, LA is Louisiana Farm Bureau, offering policies at just $521 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1182.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2536 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lafayette drivers find the best deals.

Cheap Car Insurance Companies in Lafayette, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$521	$89
Southern Farm Bureau	$1182	$197
USAA	$1570	$264
Progressive	$1767	$297
Farm Bureau	$1844	$310
State Farm	$1945	$327
Safeway	$1989	$335
SafeAuto	$2021	$337
Encompass	$2066	$351
Allstate	$2460	$414
AAA	$2536	$431

Key Takeaways

Way's key takeaways about car insurance in Lafayette

The auto insurance costs in Lafayette fall around $521 for six months.
The cheapest auto insurance company in Lafayette is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Lafayette at $1281 per month.

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Cheapest Minimum Liability Car Insurance in Lafayette

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 Lafayette are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Lafayette. Their Average 6 Month Premium is $248. Safeway is the most expensive at $776 for the same period.

Cheapest Liability Coverage in Lafayette, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$248	$42
Southern Farm Bureau	$413	$71
USAA	$521	$88
Progressive	$534	$90
State Farm	$560	$94
Farm Bureau	$642	$108
AAA	$661	$110
Allstate	$668	$112
SafeAuto	$724	$121
Safeway	$776	$131

Cheapest Full Coverage Car Insurance in Lafayette

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 Lafayette is Louisiana Farm Bureau at $89 per month and $521 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lafayette, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$521	$89
Southern Farm Bureau	$1182	$197
USAA	$1570	$264
Progressive	$1767	$297
Farm Bureau	$1844	$310
State Farm	$1945	$327
Safeway	$1989	$335
SafeAuto	$2021	$337
Encompass	$2066	$351
Allstate	$2460	$414
AAA	$2536	$431

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Average Car Insurance in Lafayette 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 Lafayette, LA increasing?

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

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

Car Insurance Premiums by Age in Lafayette

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	$1068
30s	USAA	$867
40s	USAA	$798
50s	USAA	$763
60s	USAA	$814
70s	USAA	$835

Cheapest Car Insurance Rates for Teen Drivers in Lafayette,LA

If you are planning to get a car insurance policy for your teenage dependent, Louisiana Farm Bureau provides the cheapest car insurance in the Lafayette at $67 per month. At $7532 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$407	$67
State Farm	$3096	$521
USAA	$3305	$551
Safeway	$5053	$859
Allstate	$5619	$936
Progressive	$5835	$982
Farm Bureau	$6610	$1102
AAA	$7532	$1281

Teen Car Insurance Rates in LA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Lafayette.

As young drivers face the highest rates in Lafayette, USAA offers the cheapest auto insurance rates at $1068 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 Lafayette, Louisiana Farm Bureau is the cheapest car insurance provider. At $445 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 Lafayette is State Farm, offering rates of around $9903 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$445	$76
Allstate	$1894	$316
Progressive	$2123	$357
USAA	$2155	$360
Safeway	$2161	$367
Farm Bureau	$4099	$684
AAA	$7195	$1223
State Farm	$9903	$1650

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Car Insurance Rates with An Accident in Lafayette

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 Lafayette, LA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lafayette

The cheapest car insurance companies after an at-fault accident in Lafayette include Louisiana Farm Bureau and State Farm, offering $324 and $1271, respectively. AAA is an expensive provider with an average six-month premium of $4062.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$324	$54
State Farm	$1271	$214
USAA	$1431	$241
Progressive	$1570	$264
Safeway	$1831	$308
Farm Bureau	$1983	$337
Allstate	$2015	$339
AAA	$4062	$690

Lafayette Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lafayette LA. For example, the car insurance in Lafayette after a DUI increases to $1513 for a six month policy. While the rate increases by $438 for a six-month policy in the case of a speeding ticket.

Lafayette auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1754	$292
One Med/PIP claim	$1754	$299
Two Med/PIP claims	$1773	$295
Not-at-fault accident	$1779	$303
One comp claim	$1786	$297
Two comp claims	$1850	$315
Failure to wear a seat belt	$2066	$345
Failure to show documents	$2091	$355
Child safety restraint	$2123	$354
Driving without lights	$2123	$361
Driving with expired registration	$2161	$361
Driving too slowly	$2192	$372
Speeding 11 - 15 MPH over limit	$2192	$366
Speeding 16 - 20 MPH over limit	$2192	$372
Speeding 6 - 10 MPH over limit	$2192	$366
Speeding in school zone	$2192	$372
In 65 MPH zone	$2199	$367
Cell phone violation	$2218	$377
Texting while driving	$2218	$370
Wrong way/wrong lane	$2218	$377
At-fault accident - less than $1000	$2231	$371
Failure to stop at a red light	$2231	$380
Failure to yield	$2231	$371
Following too closely	$2231	$380
Illegal turn	$2231	$371
Improper passing	$2231	$380
Passing school bus	$2250	$375
Speeding 21 - 25 MPH over limit	$2250	$383
Open container	$2313	$385
Operating a vehicle without permission	$2473	$421
At-fault accident - $1000-$2000	$2536	$423
At-fault accident - greater than $2000	$2536	$431
Reckless driving	$3063	$510
Refusal to submit to a chemical test	$3115	$530
DUI	$3267	$545
Racing	$3292	$560
Leaving scene of an accident/hit and run	$3318	$553
Driving with a suspended license	$3331	$566

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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 Lafayette 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 Lafayette.

The cheapest car insurance premiums in Lafayette are offered by Louisiana Farm Bureau at $356 for a six-month policy. However, it can be as expensive as $3757 with companies like AAA.

Lafayette car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$356	$59
Southern Farm Bureau	$1468	$249
Progressive	$1792	$302
Farm Bureau	$1983	$337
USAA	$2421	$408
Safeway	$2504	$422
State Farm	$2791	$470
Allstate	$3063	$516
AAA	$3757	$626

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 Lafayette are offered by Louisiana Farm Bureau at $292. However, it can be as expensive as $3528 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Lafayette after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$292	$49
State Farm	$1310	$220
Progressive	$1583	$266
USAA	$1716	$292
Farm Bureau	$1983	$331
Safeway	$2205	$375
Allstate	$2466	$411
AAA	$3528	$600

Car Insurance Price Trends in Lafayette, Louisiana

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

The average cost of full coverage in the Lafayette rose by $398 in January compared to $325 of December. In other words, there has been an increase by $73 when you compare January and December.

The average cost of liability insurance in the Lafayette rose to $95 in January, compared to $91 in December. This represents an increase of $4 when comparing January and December.

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Average Car Insurance Cost in Lafayette 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 Lafayette. At $2151 for a six-month policy, insuring your car at 70501 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
70501	$2151	$361
70503	$2151	$361
70508	$2260	$379
70507	$1989	$334
70506	$2260	$379

Frequently Asked Questions

How much is car insurance in Lafayette?

The car insurance in Lafayette is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Lafayette?

The cheapest car insurance in Lafayette is $89 per month for full coverage.

How much is car insurance in Lafayette for teenagers?

Car insurance for teenagers costs $407 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 Lafayette?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $304 per month to insure your car in Lafayette.

Is car insurance expensive in Lafayette?

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

What is the best car insurance in Lafayette, LA?

The best car insurance company in Lafayette LA is Louisiana Farm Bureau, offering $521 for a six-month policy.