Cheapest Auto Insurance in Lafayette, Louisiana (2024)

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 $161 per month for liability car insurance, which is comparable to the Louisiana monthly average of $141.

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.

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.

Best insurer for cheap rates: State Farm

Best insurer for high-risk drivers: The General

Best insurer for savings: Safeco

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.

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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 $161 per month. Here are some of the cheapest options for liability-only coverage in Lafayette.

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 $276 per month. Here are the cheapest insurance companies for full-coverage insurance in Lafayette.

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:

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 $216 per month for liability insurance and $370 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 $237 per month for liability insurance and $405 for full coverage.

Here are the cheapest liability car insurance options for drivers with a speeding ticket in Lafayette.

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 $247 per month for liability coverage and $424 for full-coverage car insurance, on average.

Here are the cheapest liability insurance options for drivers with an at-fault accident on their record.

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 $279 per month for liability coverage and $479 for full coverage. The following insurers offer the cheapest liability coverage options for drivers with a DUI.

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 $126 per month for liability coverage and $216 for full-coverage insurance, on average. Here are the cheapest car insurance options available.

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 $328 per month for liability and $562 for full coverage. The following insurers offer some of the best coverage options in the city.

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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.

Is car insurance more expensive in Lafayette?

Compared to the national averages of $104 per month for liability insurance and $211 for full-coverage insurance, Lafayette drivers pay much more for auto coverage than other U.S. drivers. On average, Lafayette residents pay $161 per month for liability car insurance and $276 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 $276 per month for full coverage and $161 for liability coverage, on average.

Here’s how full-coverage and liability-only car insurance quotes compare in different cities across the state.

Lafayette car insurance FAQs