Affordable Car Insurance Rates in Lafayette, CA (2021)
Car insurance rates in Lafayette, CA are $279/month on average. By law, California drivers need to carry at least 15/30/5 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Lafayette car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- Average car insurance rates in Lafayette, CA are $279/month
- Average car insurance rates in Lafayette, CA for senior drivers are $1,999/year
- The cheapest car insurance company in Lafayette after a DUI is Liberty Mutual
Average car insurance rates in Lafayette, California are $279 a month. But with a little research you can get a great deal from the top car insurance companies in Lafayette, CA. Before you buy Lafayette, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.
It may even be helpful to compare Lafayette car insurance rates with Anaheim car insurance rates, San Jose car insurance rates, or Long Beach car insurance rates to make sure you’re getting the best Lafayette, CA car insurance quotes available.
Need affordable Lafayette, CA car insurance? Enter your ZIP code to compare Lafayette car insurance quotes from multiple car insurance companies near you.
Table of Contents
Lafayette, CA Minimum Car Insurance Coverage
Lafayette, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Lafayette, CA Car Insurance Rates by Coverage Level
Some Lafayette drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Lafayette, California car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,098 | $4,367 | $4,522 |
| Farmers | $4,045 | $4,344 | $4,543 |
| GEICO | $2,331 | $2,563 | $2,711 |
| Liberty Mutual | $2,492 | $2,691 | $2,815 |
| Nationwide | $3,778 | $4,260 | $4,516 |
| Progressive | $2,233 | $2,530 | $2,617 |
| State Farm | $3,597 | $4,054 | $4,303 |
| Travelers | $2,764 | $3,242 | $3,456 |
| USAA | $2,260 | $2,517 | $2,639 |
Lafayette, CA Car Insurance Rates by Age, Gender, and Marital Status
Lafayette, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lafayette, CA car insurance, get quotes from multiple car insurance companies in the Lafayette area and see how these criteria affect your rates.
| 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 | $2,777 | $2,775 | $2,033 | $2,047 | $7,788 | $9,795 | $3,541 | $3,875 |
| Farmers | $2,319 | $2,319 | $2,089 | $2,089 | $7,489 | $12,347 | $2,757 | $3,076 |
| GEICO | $1,566 | $1,567 | $1,473 | $1,473 | $4,788 | $4,866 | $2,252 | $2,298 |
| Liberty Mutual | $2,020 | $1,914 | $1,879 | $1,822 | $4,423 | $4,701 | $2,277 | $2,292 |
| Nationwide | $2,933 | $2,799 | $2,565 | $2,417 | $7,510 | $8,266 | $3,515 | $3,473 |
| Progressive | $1,551 | $1,598 | $1,309 | $1,558 | $4,099 | $4,952 | $2,221 | $2,389 |
| State Farm | $3,134 | $3,134 | $2,801 | $2,801 | $5,784 | $7,171 | $3,472 | $3,580 |
| Travelers | $2,351 | $2,276 | $2,083 | $2,061 | $4,859 | $5,558 | $3,054 | $2,991 |
| USAA | $1,775 | $1,681 | $1,734 | $1,742 | $4,012 | $4,045 | $2,461 | $2,326 |
Lafayette, CA Car Insurance Rates for Teens
How much is Lafayette, California car insurance for teens? Compare rates from top Lafayette car insurance companies below to help find the cheapest teen car insurance in Lafayette, CA.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,788 | $9,795 |
| Farmers | $7,489 | $12,347 |
| GEICO | $4,788 | $4,866 |
| Liberty Mutual | $4,423 | $4,701 |
| Nationwide | $7,510 | $8,266 |
| Progressive | $4,099 | $4,952 |
| State Farm | $5,784 | $7,171 |
| Travelers | $4,859 | $5,558 |
| USAA | $4,012 | $4,045 |
Lafayette, CA Car Insurance Rates for Seniors
Before seniors buy Lafayette, California car insurance, they should make sure to shop around. Some Lafayette, CA car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,033 | $2,047 |
| Farmers | $2,089 | $2,089 |
| GEICO | $1,473 | $1,473 |
| Liberty Mutual | $1,879 | $1,822 |
| Nationwide | $2,565 | $2,417 |
| Progressive | $1,309 | $1,558 |
| State Farm | $2,801 | $2,801 |
| Travelers | $2,083 | $2,061 |
| USAA | $1,734 | $1,742 |
Lafayette, CA Car Insurance Rates by Driver History
How does a single speeding ticket affect your Lafayette, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lafayette.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,615 | $4,385 | $6,888 | $3,428 |
| Farmers | $3,185 | $4,337 | $5,409 | $4,312 |
| GEICO | $1,771 | $2,742 | $3,430 | $2,197 |
| Liberty Mutual | $2,314 | $3,101 | $2,797 | $2,452 |
| Nationwide | $2,924 | $3,744 | $6,326 | $3,744 |
| Progressive | $1,617 | $2,733 | $3,163 | $2,325 |
| State Farm | $2,844 | $3,392 | $6,403 | $3,300 |
| Travelers | $2,113 | $3,420 | $3,984 | $3,099 |
| USAA | $1,645 | $2,444 | $3,998 | $1,801 |
Lafayette, CA Car Insurance Rates With a DUI
Even a single DUI can increase your Lafayette, CA car insurance rates. Compare rates below to see which Lafayette car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,888 |
| Farmers | $5,409 |
| GEICO | $3,430 |
| Liberty Mutual | $2,797 |
| Nationwide | $6,326 |
| Progressive | $3,163 |
| State Farm | $6,403 |
| Travelers | $3,984 |
| USAA | $3,998 |
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Lafayette, CA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Lafayette, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Lafayette companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,904 | $4,753 |
| Farmers | $3,912 | $4,710 |
| GEICO | $2,303 | $2,767 |
| Liberty Mutual | $2,450 | $2,881 |
| Nationwide | $3,695 | $4,674 |
| Progressive | $2,232 | $2,687 |
| State Farm | $3,841 | $4,129 |
| Travelers | $2,838 | $3,471 |
| USAA | $2,280 | $2,664 |
Lafayette, CA Cheapest Car Insurance Rates
How do the top Lafayette, California car insurance companies’ average rates stack up against the Lafayette average monthly car insurance rates of $279? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
Lafayette, CA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Lafayette, California car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,329 |
| Farmers | $4,311 |
| GEICO | $2,535 |
| Liberty Mutual | $2,666 |
| Nationwide | $4,185 |
| Progressive | $2,460 |
| State Farm | $3,985 |
| Travelers | $3,154 |
| USAA | $2,472 |
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Other Factors Affecting Lafayette, CA Car Insurance Rates
Before you buy Lafayette, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Lafayette, CA Car Theft Rates
The car theft rate in Lafayette, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Lafayette, California is 17 stolen cars.
Lafayette, CA Commute Time
How does your Lafayette, CA commute time compare with the average driver? In Lafayette, the average commute is 33.0 minutes.
Lafayette, CA Traffic
Spending time in Lafayette traffic can lead to higher car insurance rates. According to INRIX data, Lafayette, CA ranks as the 617th-most congested with traffic in the world.
Lafayette, CA Car Insurance Quotes
Compare Lafayette, CA car insurance quotes from multiple companies by entering your ZIP code now.