Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in La Fayette, AL for senior drivers are $1,943/year
  • The cheapest car insurance company in La Fayette after a DUI is USAA
  • The cheapest car insurance company in La Fayette for teen drivers is USAA

Average car insurance rates in La Fayette, Alabama are $304 a month. But with a little research you can get a great deal from the top car insurance companies in La Fayette, AL. Before you buy La Fayette, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare La Fayette car insurance rates with Decatur car insurance rates, Tuscaloosa car insurance rates, or Madison car insurance rates to make sure you’re getting the best La Fayette, AL car insurance quotes available.

Need affordable La Fayette, AL car insurance? Enter your ZIP code to compare La Fayette car insurance quotes from multiple car insurance companies near you.

La Fayette, AL Minimum Car Insurance Coverage

La Fayette, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in La Fayette, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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La Fayette, AL Car Insurance Rates by Coverage Level

Some La Fayette drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your La Fayette, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in La Fayette, Alabama

Insurance Company Low Medium High
Allstate $2,936 $3,036 $3,148
Farmers $4,139 $4,302 $4,613
GEICO $2,736 $2,929 $3,159
Liberty Mutual $4,896 $5,108 $5,394
Nationwide $2,607 $2,586 $2,642
Progressive $3,548 $3,882 $4,265
State Farm $4,578 $4,813 $5,065
Travelers $3,632 $3,898 $3,933
USAA $2,136 $2,203 $2,304

La Fayette, AL Car Insurance Rates by Age, Gender, and Marital Status

La Fayette, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy La Fayette, AL car insurance, get quotes from multiple car insurance companies in the La Fayette area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in La Fayette, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,850 $1,768 $1,670 $1,703 $6,327 $6,796 $2,078 $2,127
Farmers $2,548 $2,536 $2,283 $2,410 $9,410 $9,698 $2,895 $3,032
GEICO $2,128 $2,108 $1,997 $2,040 $5,489 $5,415 $2,246 $2,105
Liberty Mutual $3,022 $3,268 $2,479 $2,777 $10,816 $12,038 $3,224 $3,438
Nationwide $1,720 $1,745 $1,564 $1,624 $4,446 $5,755 $1,906 $2,136
Progressive $2,132 $2,013 $1,751 $1,855 $8,609 $9,629 $2,510 $2,687
State Farm $2,986 $2,986 $2,684 $2,684 $8,853 $11,100 $3,369 $3,886
Travelers $1,560 $1,586 $1,456 $1,454 $8,280 $13,049 $1,477 $1,707
USAA $1,377 $1,398 $1,285 $1,259 $4,109 $4,556 $1,794 $1,938

La Fayette, AL Car Insurance Rates for Teens

How much is La Fayette, Alabama car insurance for teens? Compare rates from top La Fayette car insurance companies below to help find the cheapest teen car insurance in La Fayette, AL.

Annual Car Insurance Rates for Teen Drivers in La Fayette, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,327 $6,796
Farmers $9,410 $9,698
GEICO $5,489 $5,415
Liberty Mutual $10,816 $12,038
Nationwide $4,446 $5,755
Progressive $8,609 $9,629
State Farm $8,853 $11,100
Travelers $8,280 $13,049
USAA $4,109 $4,556

La Fayette, AL Car Insurance Rates for Seniors

Before seniors buy La Fayette, Alabama car insurance, they should make sure to shop around. Some La Fayette, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in La Fayette, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,670 $1,703
Farmers $2,283 $2,410
GEICO $1,997 $2,040
Liberty Mutual $2,479 $2,777
Nationwide $1,564 $1,624
Progressive $1,751 $1,855
State Farm $2,684 $2,684
Travelers $1,456 $1,454
USAA $1,285 $1,259

La Fayette, AL Car Insurance Rates by Credit History

How does your credit history affect La Fayette, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in La Fayette, Alabama

Insurance Company Poor Fair Good
Allstate $3,760 $2,948 $2,411
Farmers $4,887 $4,192 $3,976
GEICO $3,742 $2,668 $2,413
Liberty Mutual $7,352 $4,505 $3,541
Nationwide $3,155 $2,458 $2,223
Progressive $4,412 $3,768 $3,515
State Farm $7,818 $3,954 $2,683
Travelers $4,169 $3,613 $3,682
USAA $2,977 $1,937 $1,729

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La Fayette, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your La Fayette, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in La Fayette.

Annual La Fayette, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,594 $3,050 $3,595 $2,921
Farmers $3,669 $4,724 $4,608 $4,404
GEICO $1,999 $3,186 $3,902 $2,678
Liberty Mutual $4,031 $5,595 $5,485 $5,419
Nationwide $2,283 $2,283 $3,331 $2,551
Progressive $3,529 $4,417 $3,775 $3,872
State Farm $4,362 $5,376 $4,768 $4,768
Travelers $3,185 $3,343 $4,878 $3,880
USAA $1,702 $2,137 $3,177 $1,842

La Fayette, AL Car Insurance Rates With a DUI

Even a single DUI can increase your La Fayette, AL car insurance rates. Compare rates below to see which La Fayette car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in La Fayette, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,595
Farmers $4,608
GEICO $3,902
Liberty Mutual $5,485
Nationwide $3,331
Progressive $3,775
State Farm $4,768
Travelers $4,878
USAA $3,177

La Fayette, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your La Fayette, AL car insurance rates may be. Let’s take a look at average car insurance rates from top La Fayette companies based on commute time.

Annual Car Insurance Rates by Commute Length in La Fayette, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,040 $3,040
Farmers $4,352 $4,352
GEICO $2,886 $2,996
Liberty Mutual $5,133 $5,133
Nationwide $2,612 $2,612
Progressive $3,898 $3,898
State Farm $4,703 $4,934
Travelers $3,821 $3,821
USAA $2,113 $2,316

La Fayette, AL Cheapest Car Insurance Rates

How do the top La Fayette, Alabama car insurance companies’ average rates stack up against the La Fayette average monthly car insurance rates of $304? Take a look and see.

Best Annual Car Insurance Rates by Company in La Fayette, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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La Fayette, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top La Fayette, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in La Fayette, Alabama

Insurance Company Average Annual Rates
Allstate $3,040
Farmers $4,352
GEICO $2,941
Liberty Mutual $5,133
Nationwide $2,612
Progressive $3,898
State Farm $4,819
Travelers $3,821
USAA $2,214

Other Factors Affecting La Fayette, AL Car Insurance Rates

Before you buy La Fayette, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

La Fayette, AL Commute Time

How does your La Fayette, AL commute time compare with the average driver? In La Fayette, the average commute is 25.5 minutes.

La Fayette, AL Car Insurance Quotes

Compare La Fayette, AL car insurance quotes from multiple companies by entering your ZIP code now.