Cheapest Car Insurance In Lafayette, LA 2024
GEICO offers the lowest rates for minimum coverage car insurance in Lafayette, averaging just $37 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for the most affordable car insurance in Lafayette, LA, can reveal a wide range of options.
GEICO stands out as the top choice for those seeking the most affordable liability-only coverage, while Progressive offers the best deals on full coverage policies. For young drivers, State Farm provides the lowest rates.
Cheapest Car Insurance Companies In Lafayette, LA
Cheapest Liability-only Car Insurance In Lafayette: Cincinnati
In Lafayette, GEICO offers the most affordable minimum coverage car insurance, averaging $37 per month.
Refer to the table below to see a comparison of rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Lafayette: Auto-Owners
Progressive offers the lowest rates for full coverage car insurance, with average monthly quotes of $92 in Lafayette.
Below is a table comparing average car insurance quotes from budget-friendly providers in Lafayette.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
In Lafayette, seniors can find the cheapest car insurance rates with State Farm, averaging $87 per month.
The table below lists average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Lafayette For Teenagers: Nationwide
State Farm offers the lowest rates for teenage drivers in Lafayette, averaging $313 per month.
Below is a table listing the insurance companies offering the lowest rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Lafayette: Travelers
Young adults in Lafayette can find the lowest rates with State Farm, averaging $238 per month.
Refer to the table below to compare the most affordable auto insurance rates for young adults in Lafayette.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Lafayette For Good Drivers: Cincinnati
GEICO offers the most affordable car insurance for good drivers in Lafayette, with average rates of $37 per month.
If you’re a good driver, refer to the table below to see average quotes from the cheapest insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Lafayette rates
Cheapest Car Insurance In Lafayette After A Speeding Ticket: Auto-Owners
State Farm is one of the most affordable options in Lafayette, with average rates of $176 per month for drivers who have a speeding ticket.
Refer to the table below to see average rates for drivers who have a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
State Farm provides the lowest car insurance rates for drivers with an at-fault accident, averaging $193 a month.
Below are the car insurance providers offering the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Lafayette For Drivers After A DUI: State Farm
State Farm provides the lowest rates for drivers in Lafayette after a DUI, with average premiums of $188 per month.
The table below shows the lowest car insurance rates for drivers in Lafayette with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Lafayette
AAA California offers the cheapest insurance in Lafayette, with rates starting at $83 per month. You might also want to check out Progressive at $90 a month or GEICO at $93 monthly.
Below are the top 10 car insurance providers in Lafayette, LA, ranked by their average monthly premiums.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Kentucky Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
Average Cost Of Auto Insurance In Lafayette – By Zip Code
Insurance companies use zip codes to assess crime rates in your area, which is why car insurance rates vary by zip code.
The table below shows the average insurance rates for various zip codes in Lafayette.
| Zip Code | Average Monthly Rate |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
Average Auto Insurance Rates In Lafayette – By Age
Age plays a significant role in determining car insurance rates. Younger drivers, especially teens, tend to face higher premiums because of their limited experience and higher risk of accidents and violations. Teenagers typically pay about $7,599 annually for car insurance.
Car insurance rates typically start to drop when drivers turn 25, as long as they keep a clean driving record.
Drivers in their 50s and early 60s often receive the most competitive car insurance rates, as insurance companies use age to evaluate experience and risk, affecting premium costs.
| Age | Average Yearly Rate |
| Teenagers | $7,025 |
| 20s | $3,031 |
| 30s | $1,989 |
| 40s | $1,927 |
| 50s | $1,838 |
| 60s | $1,830 |
| 70s | $2,126 |
Average Rates In Lafayette – By Vehicle
Your car’s make, model, year, and body type have a major impact on your insurance premiums. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, come with higher rates.
The table below shows the average insurance rates in Lafayette for various types of vehicles.
| Vehicle | Average Monthly Rate |
| Buick Enclave | $262 |
| Toyota Camry Solara | $365 |
| Kia Rio | $196 |
| Toyota Corolla | $155 |
| Honda Accord | $80 |
How Much Is Car Insurance In Other Cities In Louisiana?
Your city plays a major role in determining your car insurance rates. Insurers consider factors like accident rates, vehicle theft, and vandalism, all of which tend to be more common in urban areas, leading to higher premiums.
For instance, car insurance in Los Angeles averages $243 a month, whereas in San Diego, the typical rate is $176 per month.
| City | Average Monthly Rate |
| Metairie | $227 |
| Monroe | $193 |
| New Orleans | $269 |
| Shreveport | $170 |
| Alexandria | $217 |
| Baton Rouge | $234 |
| Bossier City | $162 |
| Gretna | $260 |
| Hammond | $210 |
| Houma | $175 |
Find affordable Lafayette rates
Our Methodology
Based on a thorough analysis that looks at customer service, product offerings, pricing, and reviews from various online sources, I’ve created a detailed overview of car insurance providers in Lafayette, LA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Who has the lowest car insurance rates in Lafayette?
GEICO offers the lowest rates for minimum coverage in Lafayette, while Progressive provides the most affordable full coverage, including both comprehensive and collision coverage.
What is the average cost of car insurance in Lafayette?
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