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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Average car insurance rates in Lafayette, LA for senior drivers are $3,577/year
  • The cheapest car insurance company in Lafayette for teen drivers is USAA
  • The annual number of car thefts in Lafayette is 378.

Average car insurance rates in Lafayette, Louisiana are $481 a month. But with a little research you can get a great deal from the top car insurance companies in Lafayette, LA. Before you buy Lafayette, Louisiana car insurance, make sure your coverage meets or exceeds the Louisiana minimum of 15/30/25.

It may even be helpful to compare Lafayette car insurance rates with Shreveport car insurance rates, New Orleans car insurance rates, or Bossier City car insurance rates to make sure you’re getting the best Lafayette, LA car insurance quotes available.

Need affordable Lafayette, LA car insurance? Enter your ZIP code to compare Lafayette car insurance quotes from multiple car insurance companies near you.

Lafayette, LA Minimum Car Insurance Coverage

Lafayette, Louisiana law requires drivers carry a minimum of 15/30/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Lafayette, Louisiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $25,000 minimum

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Lafayette, LA Car Insurance Rates by Coverage Level

Some Lafayette drivers can get by with the Louisiana minimum coverage of 15/30/25. Other drivers may need more. See how much your Lafayette, Louisiana car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Lafayette, Louisiana

Insurance Company Low Medium High
Allstate $5,064 $5,952 $6,507
GEICO $4,970 $6,078 $7,110
Progressive $6,227 $7,569 $9,127
State Farm $4,041 $4,727 $5,449
USAA $3,971 $4,686 $5,179

Lafayette, LA Car Insurance Rates by Age, Gender, and Marital Status

Lafayette, Louisiana car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lafayette, LA 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, Louisiana

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 $4,095 $4,095 $4,255 $4,255 $9,105 $11,479 $4,531 $4,913
GEICO $3,356 $3,877 $4,050 $4,970 $12,589 $13,225 $3,242 $3,111
Progressive $4,206 $3,897 $3,539 $3,840 $17,093 $18,950 $4,777 $4,825
State Farm $2,901 $2,901 $2,691 $2,691 $8,815 $11,034 $3,242 $3,639
USAA $2,806 $2,752 $2,758 $2,721 $8,610 $10,060 $3,435 $3,751

Lafayette, LA Car Insurance Rates for Teens

How much is Lafayette, Louisiana car insurance for teens? Compare rates from top Lafayette car insurance companies below to help find the cheapest teen car insurance in Lafayette, LA.

Annual Car Insurance Rates for Teen Drivers in Lafayette, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,105 $11,479
GEICO $12,589 $13,225
Progressive $17,093 $18,950
State Farm $8,815 $11,034
USAA $8,610 $10,060

Lafayette, LA Car Insurance Rates for Seniors

Before seniors buy Lafayette, Louisiana car insurance, they should make sure to shop around. Some Lafayette, LA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Lafayette, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,255 $4,255
GEICO $4,050 $4,970
Progressive $3,539 $3,840
State Farm $2,691 $2,691
USAA $2,758 $2,721

Lafayette, LA Car Insurance Rates by Credit History

How does your credit history affect Lafayette, LA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Lafayette, Louisiana

Insurance Company Poor Fair Good
Allstate $7,671 $5,264 $4,588
GEICO $7,200 $6,248 $4,709
Progressive $8,604 $7,412 $6,907
State Farm $6,564 $4,232 $3,422
USAA $6,348 $4,077 $3,410

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Lafayette, LA Car Insurance Rates by Driver History

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

Annual Lafayette, Louisiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,577 $7,079 $6,298 $5,410
GEICO $4,089 $6,645 $8,237 $5,240
Progressive $6,355 $8,572 $8,207 $7,430
State Farm $4,326 $5,153 $4,739 $4,739
USAA $3,511 $4,900 $5,837 $4,199

Lafayette, LA Car Insurance Rates With a DUI

Even a single DUI can increase your Lafayette, LA 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, Louisiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,298
GEICO $8,237
Progressive $8,207
State Farm $4,739
USAA $5,837

Lafayette, LA Car Insurance Rates by ZIP Code

Just like Lafayette car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Lafayette, LA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Lafayette, Louisiana

ZIP Code Average Annual Rates
70501 $5,543
70503 $5,419
70504 $5,327
70506 $5,423
70507 $5,307
70508 $5,382
70583 $5,410

Lafayette, LA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lafayette, LA 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, Louisiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,841 $5,841
GEICO $5,939 $6,166
Progressive $7,641 $7,641
State Farm $4,617 $4,862
USAA $4,470 $4,754

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Lafayette, LA Cheapest Car Insurance Rates

How do the top Lafayette, Louisiana car insurance companies’ average rates stack up against the Lafayette average monthly car insurance rates of $481? Take a look and see.

Best Annual Car Insurance Rates by Company in Lafayette, Louisiana

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

Lafayette, LA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Lafayette, Louisiana

Insurance Company Average Annual Rates
Allstate $5,841
GEICO $6,053
Progressive $7,641
State Farm $4,739
USAA $4,612

Other Factors Affecting Lafayette, LA Car Insurance Rates

Before you buy Lafayette, Louisiana car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Lafayette, LA Car Theft Rates

The car theft rate in Lafayette, LA will affect your car insurance rates. FBI data shows that the annual car theft rate for Lafayette, Louisiana is 378 stolen cars.

Lafayette, LA Commute Time

How does your Lafayette, LA commute time compare with the average driver? In Lafayette, the average commute is 21.2 minutes.

Lafayette, LA Traffic

Spending time in Lafayette traffic can lead to higher car insurance rates. According to INRIX data, Lafayette, LA ranks as the 617th-most congested with traffic in the world.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Lafayette, LA Car Insurance Quotes

Compare Lafayette, LA car insurance quotes from multiple companies by entering your ZIP code now.