Cheapest Auto Insurance in Lafayette, Louisiana (2024)
State Farm offers the cheapest car insurance in Lafayette, with minimum-coverage policies as low as $66 per month.
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Written byTaylor Milam-Samuel
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 21, 2024
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Table of contents
Located in southern Louisiana, Lafayette has a population of around 121,000 people and is the third-largest metropolitan area in the state.[1] Drivers in the city pay an overall average of $146 per month for liability car insurance, which is comparable to the Louisiana monthly average of $133.
Louisiana drivers pay significantly more than the national average of $104 per month for liability insurance. The state is at high risk of experiencing damage from tropical storms and hurricanes, which can lead to increased average rates in the area.
Here’s what you need to know about finding the cheapest car insurance in Lafayette, including how to compare quotes and coverage options.
Quick Facts
Lafayette drivers pay an average of $240 per month for full-coverage insurance.
State Farm, USAA, and National General have the cheapest liability insurance in Lafayette.
Louisiana is a pure comparative fault state, so claims payouts are reduced in relation to each driver’s percentage of fault.[2]
3 of the cheapest car insurance companies in Lafayette
As you search for the best car insurance in Lafayette, it’s essential to consider your driving profile and budget. These two factors, along with others, can affect which insurance company is the best fit for you. Depending on your needs, one insurer might work better for you than another. As you shop for insurance, compare quotes from different companies.
State Farm, Safeco, and The General are three of the top insurance companies offering cheap auto coverage in the city. The provided quotes below reflect statewide insurance costs in Louisiana.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $111 | $65 | Cheap rates |
| The General | 7.3 | $354 | $176 | High-risk drivers |
| Safeco | 8.3 | $291 | $224 | Savings |
Best insurer for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $112/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has been in business for more than 100 years. The company sells a number of insurance products, including auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance. Policyholders have multiple ways to save through around a dozen discounts.
Pros
Ranked high for customer satisfaction
Rideshare insurance available
Cons
Doesn’t offer gap insurance
Some negative customer reviews online
Best insurer for high-risk drivers: The General
| User Reviews | 3.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $178/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $357/mo |
3.5
A solid optionBased on 728 verified guest reviews and ratings
How drivers feel about The General
Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
How drivers feel about The General
Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
Reviews (409)
Gary
November 7, 2024
Verified Review
Unsatisfactory Service
Getting in touch with a live representative is almost impossible, and when you do, they seem uninformed. I was charged $300 for a policy that provided no coverage. It felt like they were getting paid for doing absolutely nothing.
Jalonda
November 5, 2024
Verified Review
I loved The General. I had them for 3 years. However, I found better rates elsewhere and I'm now paying only half of what The General was offering, so I had to switch. If they had lower rates, I would have stayed with them.
I loved The General. I had them for 3 years. However, I found better rates elsewhere and I'm now paying only half of what The General was offering, so I had to switch. If they had lower rates, I would have stayed with them.
Sheri
November 5, 2024
Verified Review
Would Never Recommend
The customer service was very rude and disinterested when I tried to change my policy. They were extremely unhelpful.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.69A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
An affiliate of American Family Insurance, The General provides auto insurance for high-risk drivers with poor driving records. The company also sells homeowners, renters, life, pet, and other types of insurance. Policyholders can save money through bundling, good student, and multi-driver discounts.
The company also earned an A (Excellent) financial strength rating from AM Best, which indicates financial stability.
Pros
Competitively priced options for high-risk drivers
SR-22 filing available in most states
Cons
Mixed customer service reviews
Above-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC)
Best insurer for savings: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $209/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $309/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Owned by Liberty Mutual Insurance, Safeco offers car, homeowners, renters, pet, and other insurance products. The company sells new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco has money-saving programs for accident forgiveness, diminishing deductibles, and cash back for claims-free customers.
Safeco earned an A (Excellent) financial strength rating from AM Best, which indicates financial stability.
Pros
Cash-back program for claims-free customers
Options for customizing car insurance
Cons
Limited number of discounts
Customer reviews indicate room for improvement in customer service
How to get the cheapest car insurance in Lafayette
Your age, location, driving record, and type of car affect how much you pay for car insurance. Even though you can’t change some factors, you can try to lower your car insurance costs as a driver in Lafayette. Consider the following tactics to earn cheaper rates:
Utilize discounts. Insurers typically offer a variety of discounts, so you should always inquire about your eligibility. For example, if you insure more than one car with the same company, you can usually qualify for a discount.
Take a defensive driving course. Because defensive driving courses teach drivers how to make safer choices behind the wheel, many insurance companies offer discounts once you complete a class.
Bundle policies. Insurance companies usually offer discounts for customers with different policies from the same company. For example, you can bundle auto coverage with home, motorcycle, and renters insurance.
Encourage good grades. Most insurance companies in Louisiana offer a good student discount for full-time students with B or higher grades. If you’re a parent of a teenage driver, it’s a great way to save extra money.
Select a safe car. If your car has extra safety features, like anti-theft locks and additional airbags, you might qualify for a lower rate. Ask your insurer if it offers a discount.
Compare quotes. It’s always important to compare quotes from different insurers. Unless you review multiple quotes, you can’t gauge whether you’re getting a good deal. Take time to review numerous options and talk to different insurance agents to find the best fit.
Find Cheap Car Insurance in Lafayette
Liability quotes start at $66 per month
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Cheapest liability-only car insurance in Lafayette: State Farm
Drivers in Louisiana must have a minimum amount of liability insurance. If you cause an auto accident, liability insurance covers vehicle repairs and medical expenses for the other driver and their passengers. It doesn’t cover your repairs or medical costs.[3]
Most drivers should consider purchasing more than the minimum coverage, but liability-only coverage works best for drivers with old or inexpensive vehicles.
The average cost of liability car insurance in Lafayette is $146 per month. Here are some of the cheapest options for liability-only coverage in Lafayette.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $66 |
| USAA | $83 |
| National General | $94 |
| Allstate | $107 |
| GEICO | $107 |
| Direct Auto | $118 |
| Root | $118 |
| Progressive | $127 |
| Clearcover | $164 |
| The General | $178 |
| Liberty Mutual | $187 |
| Safeco | $209 |
| Bristol West | $215 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lafayette: State Farm
Full-coverage car insurance includes liability-only insurance, as well as comprehensive and collision coverage, which can help cover your vehicle repairs after an accident or incident. According to insurance experts, most drivers benefit from purchasing full-coverage auto insurance because it provides extra financial protection — especially if you have a new vehicle.
If you finance or lease your vehicle, your auto lender or dealer may even require you to purchase this policy type.
On average, full-coverage car insurance costs Lafayette drivers $240 per month. Here are the cheapest insurance companies for full-coverage insurance in Lafayette.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $112 |
| USAA | $141 |
| Allstate | $183 |
| GEICO | $184 |
| National General | $187 |
| Root | $201 |
| Progressive | $217 |
| Direct Auto | $218 |
| Clearcover | $262 |
| Liberty Mutual | $281 |
| Safeco | $309 |
| The General | $357 |
| Bristol West | $427 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lafayette, Louisiana
Drivers using Insurify have found quotes as cheap as $65/mo for liability only and $109/mo for full coverage in Lafayette and other Louisiana cities.
*Quotes generated for Insurify users in and around Lafayette, Louisiana within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lafayette, Louisiana within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Louisiana
Drivers in Louisiana must have an active auto insurance policy with minimum amounts of bodily injury and property damage liability coverage.[4]
Louisiana is a comparative fault state, so the driver responsible for the accident must cover the other driver’s repairs and medical expenses. But state law allows partially responsible drivers to recover damages in court, in accordance with their percentage of fault. If not resolved in the insurance claims process, drivers have to file a lawsuit within one year of the accident.[5]
Here are the specific minimum coverage requirements in Louisiana:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $25,000 per accident |
Insurance experts typically recommend that drivers buy additional coverage and increase their liability insurance limits to ensure adequate protection after an accident. For example, if you only have liability insurance and cause an accident that totals your car, you’ll need to pay for your new vehicle.
Here are some additional coverage options you might want to consider:
Comprehensive coverage
If your car needs repairs due to something other than a collision, comprehensive insurance helps cover the costs. It typically includes coverage for damage from theft, vandalism, and natural disasters.
Collision coverage
Collision coverage helps pay for the cost of repairs for your vehicle following a car accident or collision with an object, regardless of fault.
Medical payments coverage
Medical payments, also called MedPay, can cover medical treatment and funeral expenses for you and your passengers after a car accident, up to your coverage limits. Drivers typically purchase MedPay or PIP coverage, but not both.
Personal injury protection (PIP) coverage
Personal injury protection (PIP) coverage can help pay for medical costs, lost wages, child care costs, funeral expenses, and more for you and your passengers after an accident.
Uninsured/underinsured motorist coverage
If a driver without any or sufficient coverage causes an accident, uninsured/underinsured motorist insurance covers your medical expenses and vehicle repairs.
Cheapest car insurance for drivers with an incident
Auto insurers determine premiums based on how likely a driver is to file a claim. Auto incidents like driving under the influence (DUI) charges, at-fault accidents, or speeding tickets indicate that a driver is more likely to file a claim. As a result, drivers can expect their rates to increase after an incident.[6]
On average, Lafayette drivers with an incident on their record pay $192 per month for liability insurance and $315 for full-coverage insurance. You can still find competitive car insurance rates after a driving violation, but you should always compare quotes from multiple insurers to find the best deal.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
If you have a speeding ticket on your driving record, your car insurance rates will typically increase for a few years. Lafayette drivers with a speeding ticket pay $211 per month for liability insurance and $347 for full coverage.
Here are the cheapest liability car insurance options for drivers with a speeding ticket in Lafayette.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $66 | $86 |
| USAA | $83 | $109 |
| National General | $94 | $125 |
| Allstate | $107 | $141 |
| GEICO | $107 | $141 |
| Direct Auto | $118 | $156 |
| Root | $118 | $167 |
| Progressive | $127 | $166 |
| Clearcover | $164 | $218 |
| The General | $178 | $239 |
| Liberty Mutual | $187 | $265 |
| Safeco | $209 | $280 |
| Bristol West | $215 | $286 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you have an at-fault accident on your record, it’ll likely increase your car insurance premiums. It won’t stay on your record forever, but insurers can typically see the violation for a few years. As a result, you can expect to pay higher rates during that time.
In Lafayette, drivers with an accident pay $222 per month for liability coverage and $365 for full-coverage car insurance, on average.
Here are the cheapest liability insurance options for drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $66 | $91 |
| USAA | $83 | $116 |
| National General | $94 | $131 |
| Allstate | $107 | $149 |
| GEICO | $107 | $150 |
| Direct Auto | $118 | $168 |
| Root | $118 | $176 |
| Progressive | $127 | $179 |
| Clearcover | $164 | $246 |
| The General | $178 | $253 |
| Liberty Mutual | $187 | $278 |
| Safeco | $209 | $289 |
| Bristol West | $215 | $300 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Due to the severity of the offense, a driving under the influence (DUI) charge can cause your car insurance costs to increase significantly. DUIs can also result in license suspension and non-renewal of your insurance policy. Finding coverage after a DUI can feel overwhelming, but it’s possible to find an insurer that specializes in high-risk coverage.
The average cost of coverage for Lafayette drivers with a past DUI is $251 per month for liability coverage and $413 for full coverage. The following insurers offer the cheapest liability coverage options for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $66 | $111 |
| USAA | $83 | $140 |
| National General | $94 | $158 |
| Allstate | $107 | $180 |
| GEICO | $107 | $180 |
| Direct Auto | $118 | $199 |
| Root | $118 | $178 |
| Progressive | $127 | $214 |
| Clearcover | $164 | $276 |
| The General | $178 | $300 |
| Liberty Mutual | $187 | $315 |
| Safeco | $209 | $327 |
| Bristol West | $215 | $362 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Different factors affect your car insurance rates, including your age. Once drivers turn 35, they can expect their car insurance costs to decrease. Rates typically continue to decline throughout adulthood, and drivers near retirement age typically earn the lowest prices.
But around the age of 70, drivers can expect rates to increase a bit again. Changes in vision and physical abilities, age-related diseases, and medications can all affect senior drivers’ ability to stay safe on the road. Auto insurers may increase rates for senior drivers to account for these potential new risks.[7]
Senior drivers in Lafayette pay $115 per month for liability coverage and $189 for full-coverage insurance, on average. Here are the cheapest car insurance options available.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $85 | $50 |
| USAA | $110 | $65 |
| National General | $140 | $70 |
| Allstate | $143 | $84 |
| GEICO | $143 | $83 |
| Progressive | $153 | $89 |
| Root | $165 | $97 |
| Direct Auto | $166 | $90 |
| Clearcover | $221 | $138 |
| Liberty Mutual | $231 | $153 |
| Safeco | $258 | $175 |
| The General | $283 | $141 |
| Bristol West | $334 | $168 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
As new drivers with minimal experience, teenagers pay the highest car insurance rates compared to other age categories. But you can take steps to lower the cost of auto insurance for your teenager. You can enroll your teenager in a defensive driving course, select a vehicle with security features, and encourage them to earn a good driving discount.[8]
The average cost of car insurance for teen drivers in Lafayette is $304 per month for liability and $501 for full coverage. The following insurers offer some of the best coverage options in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $214 | $126 |
| USAA | $264 | $155 |
| GEICO | $329 | $192 |
| Root | $338 | $199 |
| Allstate | $362 | $211 |
| National General | $405 | $203 |
| Progressive | $423 | $247 |
| Direct Auto | $441 | $239 |
| Clearcover | $533 | $333 |
| Liberty Mutual | $537 | $357 |
| The General | $635 | $317 |
| Safeco | $655 | $443 |
| Bristol West | $802 | $404 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Lafayette car insurance quotes by credit tier
Lafayette drivers can expect their credit history to influence their car insurance rates.[9] Insurers in Louisiana use credit-based insurance scores to determine risk, and lower scores are associated with higher risk. Because of that, drivers with poor credit scores pay more for car insurance, and drivers with good or excellent credit pay less.
Here’s how much drivers in each credit tier pay on average for full-coverage car insurance in Lafayette.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Lafayette?
Compared to the national averages of $104 per month for liability insurance and $204 for full-coverage insurance, Lafayette drivers pay much more for auto coverage than other U.S. drivers. On average, Lafayette residents pay $146 per month for liability car insurance and $240 for full-coverage insurance.
Louisiana drivers face expensive insurance costs due to high risk of property damage from tropical storms and other severe weather in the state. Car insurance rates vary depending on city and ZIP code.
Drivers who live in big cities can expect to pay more than drivers who live in smaller cities or rural areas due to an increased risk of auto accidents, vehicle theft, and property damage. Though Lafayette drivers pay more than the national average, drivers in the nearby city of New Orleans pay even higher rates.
More cities in Louisiana
Lafayette drivers pay $240 per month for full coverage and $146 for liability coverage, on average.
Here’s how full-coverage and liability-only car insurance quotes compare in different cities across the state.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Baton Rouge | $164 | $295 |
| Bossier City | $114 | $214 |
| Lake Charles | $135 | $261 |
| Metairie | $170 | $263 |
| New Orleans | $172 | $288 |
| Shreveport | $119 | $230 |
| Slidell | $141 | $249 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lafayette car insurance FAQs
Before you start shopping around for car insurance quotes from multiple insurers, you need to decide how much coverage you need. The information below should help you navigate the process of buying cheap car insurance in Lafayette.
How much is car insurance in Lafayette?
Drivers in Lafayette pay $146 per month for liability coverage and $240 per month for full-coverage insurance, on average. Your specific premium will depend on your driving record, credit history, age, and more.
Which insurance company has the cheapest rates in Lafayette?
State Farm has the cheapest car insurance rates in Lafayette, Louisiana, at $66 per month for liability-only coverage. Lafayette drivers can also find low rates with USAA and National General, which have monthly liability rates of $83 and $94, respectively.
What are the best car insurance companies in Lafayette?
State Farm is the best car insurance company in Lafayette. The company has a high Insurify Quality (IQ) Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and high customer and claims satisfaction ratings from J.D. Power. State Farm policyholders in Lafayette pay $65 per month for liability and $111 for full coverage. Other top insurers include Safeco, The General, and USAA.
Why does Louisiana have such expensive car insurance?
Louisiana is one of the most hurricane-prone states in the U.S. Because tropical storms and hurricanes can lead to damages and expensive repairs, auto insurers likely adjust baseline rates in the state to account for the risk. On a personal level, your driving record, credit history, age, and more can affect how much you pay for coverage.
What’s the minimum Louisiana car insurance?
Louisiana drivers must carry a minimum of $15,000 per person and $30,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage. Failure to do so can result in a fine of $500 to $1,000.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- United States Census Bureau. "QuickFacts Lafayette city, Louisiana."
- Louisiana State Legislature. "Art. 2323. Comparative fault."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
- NOLO. "Louisiana Car Accident Laws."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Insurance Information Institute. "Auto insurance for teen drivers."
- Louisiana Department of Insurance. "Automobile Rate Comparison Guide An Online Tool to Help Shop Your Rate."
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Taylor Milam-Samuel
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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