Cheapest Car Insurance Quotes in Lafitte

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Lafitte Car Insurance

^$ 50

/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 Lafitte

The car insurance rate in Lafitte is $2163 for a six-month policy, which is $473 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $623, making it a popular choice for budget-conscious drivers. Rates in Lafitte 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 Lafitte

$2163

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Lafitte

1st place: Louisiana Farm Bureau

At $623 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 $1414 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1878 for six months, making it the third cheapest auto insurance company in Lafitte.

Lafitte Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lafitte, LA is Louisiana Farm Bureau, offering policies at just $623 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1414.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $3034 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lafitte drivers find the best deals.

Cheap Car Insurance Companies in Lafitte, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$623	$106
Southern Farm Bureau	$1414	$236
USAA	$1878	$316
Progressive	$2113	$356
Farm Bureau	$2205	$371
State Farm	$2327	$392
Safeway	$2380	$401
SafeAuto	$2418	$403
Encompass	$2472	$420
Allstate	$2943	$495
AAA	$3034	$516

Key Takeaways

Way's key takeaways about car insurance in Lafitte

The auto insurance costs in Lafitte fall around $623 for six months.
The cheapest auto insurance company in Lafitte is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Lafitte at $1532 per month.

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Cheapest Minimum Liability Car Insurance in Lafitte

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 Lafitte are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Lafitte. Their Average 6 Month Premium is $297. Safeway is the most expensive at $928 for the same period.

Cheapest Liability Coverage in Lafitte, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$297	$50
Southern Farm Bureau	$494	$84
USAA	$623	$105
Progressive	$639	$108
State Farm	$669	$113
Farm Bureau	$768	$129
AAA	$791	$132
Allstate	$799	$134
SafeAuto	$867	$145
Safeway	$928	$156

Cheapest Full Coverage Car Insurance in Lafitte

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 Lafitte is Louisiana Farm Bureau at $106 per month and $623 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lafitte, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$623	$106
Southern Farm Bureau	$1414	$236
USAA	$1878	$316
Progressive	$2113	$356
Farm Bureau	$2205	$371
State Farm	$2327	$392
Safeway	$2380	$401
SafeAuto	$2418	$403
Encompass	$2472	$420
Allstate	$2943	$495
AAA	$3034	$516

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Average Car Insurance in Lafitte 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 Lafitte, LA increasing?

Despite maintaining a clean driving record, your car insurance rates in Lafitte, 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, Lafitte's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lafitte

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	$1277
30s	USAA	$1037
40s	USAA	$955
50s	USAA	$913
60s	USAA	$974
70s	USAA	$998

Cheapest Car Insurance Rates for Teen Drivers in Lafitte,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 Lafitte at $81 per month. At $9010 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	$486	$81
State Farm	$3703	$623
USAA	$3954	$659
Safeway	$6044	$1028
Allstate	$6721	$1120
Progressive	$6980	$1175
Farm Bureau	$7908	$1318
AAA	$9010	$1532

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 Lafitte.

As young drivers face the highest rates in Lafitte, USAA offers the cheapest auto insurance rates at $1277 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 Lafitte, Louisiana Farm Bureau is the cheapest car insurance provider. At $532 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 Lafitte is State Farm, offering rates of around $11846 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$532	$91
Allstate	$2266	$378
Progressive	$2540	$428
USAA	$2578	$430
Safeway	$2586	$439
Farm Bureau	$4904	$818
AAA	$8607	$1463
State Farm	$11846	$1974

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Car Insurance Rates with An Accident in Lafitte

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

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

The cheapest car insurance companies after an at-fault accident in Lafitte include Louisiana Farm Bureau and State Farm, offering $388 and $1521, respectively. AAA is an expensive provider with an average six-month premium of $4859.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$388	$64
State Farm	$1521	$256
USAA	$1711	$288
Progressive	$1878	$316
Safeway	$2190	$369
Farm Bureau	$2372	$403
Allstate	$2410	$406
AAA	$4859	$826

Lafitte Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lafitte LA. For example, the car insurance in Lafitte after a DUI increases to $1810 for a six month policy. While the rate increases by $525 for a six-month policy in the case of a speeding ticket.

Lafitte auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2098	$349
One Med/PIP claim	$2098	$357
Two Med/PIP claims	$2121	$353
Not-at-fault accident	$2129	$362
One comp claim	$2136	$356
Two comp claims	$2213	$376
Failure to wear a seat belt	$2472	$412
Failure to show documents	$2501	$425
Child safety restraint	$2540	$424
Driving without lights	$2540	$431
Driving with expired registration	$2586	$431
Driving too slowly	$2623	$445
Speeding 11 - 15 MPH over limit	$2623	$438
Speeding 16 - 20 MPH over limit	$2623	$445
Speeding 6 - 10 MPH over limit	$2623	$438
Speeding in school zone	$2623	$445
In 65 MPH zone	$2630	$439
Cell phone violation	$2653	$451
Texting while driving	$2653	$443
Wrong way/wrong lane	$2653	$451
At-fault accident - less than $1000	$2669	$444
Failure to stop at a red light	$2669	$454
Failure to yield	$2669	$444
Following too closely	$2669	$454
Illegal turn	$2669	$444
Improper passing	$2669	$454
Passing school bus	$2692	$448
Speeding 21 - 25 MPH over limit	$2692	$458
Open container	$2767	$461
Operating a vehicle without permission	$2958	$503
At-fault accident - $1000-$2000	$3034	$506
At-fault accident - greater than $2000	$3034	$516
Reckless driving	$3665	$611
Refusal to submit to a chemical test	$3726	$634
DUI	$3908	$652
Racing	$3939	$669
Leaving scene of an accident/hit and run	$3969	$662
Driving with a suspended license	$3985	$677

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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 Lafitte 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 Lafitte.

The cheapest car insurance premiums in Lafitte are offered by Louisiana Farm Bureau at $426 for a six-month policy. However, it can be as expensive as $4494 with companies like AAA.

Lafitte car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$426	$70
Southern Farm Bureau	$1756	$298
Progressive	$2144	$361
Farm Bureau	$2372	$403
USAA	$2897	$488
Safeway	$2995	$504
State Farm	$3338	$562
Allstate	$3665	$617
AAA	$4494	$749

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 Lafitte are offered by Louisiana Farm Bureau at $349. However, it can be as expensive as $4220 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Lafitte after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$349	$59
State Farm	$1567	$264
Progressive	$1893	$319
USAA	$2053	$349
Farm Bureau	$2372	$396
Safeway	$2638	$448
Allstate	$2950	$492
AAA	$4220	$718

Car Insurance Price Trends in Lafitte, Louisiana

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

The average cost of full coverage in the Lafitte rose by $476 in January compared to $389 of December. In other words, there has been an increase by $87 when you compare January and December.

The average cost of liability insurance in the Lafitte rose to $114 in January, compared to $109 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lafitte?

The car insurance in Lafitte is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Lafitte?

The cheapest car insurance in Lafitte is $106 per month for full coverage.

How much is car insurance in Lafitte for teenagers?

Car insurance for teenagers costs $486 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 Lafitte?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $364 per month to insure your car in Lafitte.

Is car insurance expensive in Lafitte?

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

What is the best car insurance in Lafitte, LA?

The best car insurance company in Lafitte LA is Louisiana Farm Bureau, offering $623 for a six-month policy.