Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • 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.

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.

Minimum Required Car Insurance Coverage in Lafayette, California

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.

Annual Car Insurance Rates by Coverage Level in Lafayette, California

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lafayette, California

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.

Annual Car Insurance Rates for Teen Drivers in Lafayette, California

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.

Annual Car Insurance Rates for Senior Drivers in Lafayette, California

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.

Annual Lafayette, California Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Lafayette, California

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.

Annual Car Insurance Rates by Commute Length in Lafayette, California

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.

Best Annual Car Insurance Rates by Company in Lafayette, California

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.

Average Annual Car Insurance Rates by Company in Lafayette, California

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.