Cheapest Car Insurance In Lafayette, LA For 2024
In Lafayette, State Farm stands out for providing the cheapest choice, typically charging around $50 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When you’re on the hunt for the cheapest car insurance in Lafayette, Louisiana, you’ve got plenty of options to sift through. However, one company, State Farm, shines with its competitive prices. On average, folks in Lafayette can expect to shell out about $50 each month for car insurance from State Farm. That’s significantly lower than the state’s average of $208.
If you’re after the most affordable liability-only coverage, State Farm comes out on top. But if you need more comprehensive protection, Farm Bureau is your go-to, offering full coverage policies for $115 monthly. Now, for the young drivers out there, USAA is the best bet, kicking off at just $190 per month.
Cheapest Car Insurance Companies In Lafayette, LA
How Much Is Car Insurance In Lafayette, LA?
State Farm offers the cheapest car insurance in Lafayette, Louisiana, costing $200 each month.
| Area | Average Monthly Rate |
| National | $152 |
| Louisiana | $208 |
| Lafayette, LA | $200 |
Cheapest Car Insurance Rates For Teenagers
Young drivers in Lafayette have the opportunity to get budget-friendly car insurance quotes from USAA. On average, they could pay around $270 per month for coverage.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $425 | $5,098 |
| National General | $550 | $6,598 |
| Direct Auto | $600 | $7,198 |
| USAA | $270 | $3,236 |
| Southern Farm Bureau | $308 | $3,694 |
Cheapest Rates In Lafayette For Minimum Coverage
In Lafayette, State Farm provides the cheapest auto insurance for basic coverage, averaging around $50 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $74 | $886 |
| GEICO | $63 | $756 |
| Farm Bureau | $60 | $718 |
| State Farm | $50 | $598 |
| Allstate | $120 | $1,438 |
Cheapest For Full Coverage
Farm Bureau provides the best deals on comprehensive car insurance in Lafayette, with typical prices averaging around $115 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $192 | $2,302 |
| GEICO | $135 | $1,618 |
| AAA | $215 | $2,578 |
| Progressive | $153 | $1,834 |
| Farm Bureau | $115 | $1,378 |
Cheapest Car Insurance Rates For Seniors
USAA provides the best deals on car insurance for older folks in Lafayette. On average, they offer quotes around $138 monthly, which is quite affordable.
| Provider | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $165 | $1,978 |
| National General | $170 | $2,038 |
| Direct Auto | $174 | $2,086 |
| USAA | $138 | $1,654 |
| State Farm | $157 | $1,882 |
Cheapest Rates In Lafayette For Drivers With Prior Incidents
In Lafayette, people who have gotten into accidents, speeded, or driven under the influence and have a history of traffic violations might struggle to find cheap car insurance. These actions make insurance companies see them as risky drivers, meaning they’re more likely to make claims in the future. So, to cover potential costs, insurance companies raise their rates for these drivers.
Cheapest Rates In Lafayette For Drivers With A Speeding Ticket
Farm Bureau stands out for its affordability compared to its competitors, boasting monthly premiums averaging around $162, which is quite reasonable in the insurance market.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeway | $260 | $3,118 |
| Progressive | $289 | $3,466 |
| Allstate | $312 | $3,742 |
| Farm Bureau | $162 | $1,942 |
| State Farm | $232 | $2,782 |
Cheapest For Drivers With An At-Fault Accident
Farm Bureau provides the most affordable car insurance quotes for drivers who have been at fault in an accident, with an average cost of $180 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeway | $315 | $3,778 |
| Progressive | $354 | $4,246 |
| Allstate | $368 | $4,414 |
| Farm Bureau | $180 | $2,158 |
| State Farm | $250 | $2,998 |
Cheapest For Drivers After A DUI
Farm Bureau stands out as the top choice for drivers who’ve had a DUI, offering the most affordable rates. For Lafayette residents, their monthly premiums typically come in at around $188 on average.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm Bureau | $188 | $2,319 |
| USAA | $269 | $3,286 |
| Progressive | $319 | $3,623 |
| Safeway | $337 | $4,042 |
| Allstate | $312 | $3,742 |
Cheapest Car Insurance Rates In Lafayette For Young Adults
USAA offers the cheapest car insurance rates for young adults in Lafayette, typically costing about $190 monthly.
| Provider | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $250 | $2,998 |
| State Farm | $275 | $3,298 |
| Direct Auto | $297 | $3,562 |
| USAA | $190 | $2,278 |
| Clearcover | $228 | $2,734 |
Cheapest Rates In Lafayette For Good Drivers
State Farm provides cheap car insurance quotes for responsible drivers in Lafayette, costing around $50 each month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $74 | $886 |
| GEICO | $63 | $756 |
| Farm Bureau | $60 | $718 |
| State Farm | $50 | $598 |
| Allstate | $120 | $1,438 |
Best Car Insurance Companies In Lafayette
In Lafayette, picking the right car insurance means more than just getting a good deal. It’s about finding a company that offers both affordable prices and trustworthy coverage while you’re out on the road. Here are the top 10 car insurance providers in Lafayette, Louisiana, sorted by their average monthly rates.
| Company | Monthly Premium |
| Clearcover | $180 |
| NatGen Advantage | $230 |
| Safeway | $280 |
| USAA | $155 |
| State Farm | $190 |
| Southern Farm Bureau | $189 |
| Safeco | $192 |
| Direct Auto | $210 |
| National General | $302 |
| Metropolitan | $338 |
Average Rates In Lafayette – By Age
| 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 Car Insurance Rates – By Vehicle Type
| 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 For Other Cities In Louisiana?
| 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 |
Where you reside can affect how much you pay for car insurance. Insurers look at various things about your area, like how likely accidents are, how often cars get stolen, and how much vandalism happens. Cities usually have more of these risks, so people living there often pay more for insurance.
Our Methodology
By looking at customer service ratings, the types of products offered, prices, and carefully going through online reviews and feedback, I've gained a deep understanding of the car insurance scene in Lafayette, Louisiana.
This understanding comes from my 15 years of work in the industry as a licensed insurance agent. I've had lots of dealings with various insurance company reps and learned a lot from hands-on experience.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Lafayette?
State Farm offers the cheapest car insurance rates in Lafayette for both the basic coverage mandated by Georgia state law and Farm Bureau provides the best rates for full coverage, including comprehensive and collision coverage.
What is the average cost of car insurance in Lafayette?
The typical price for car insurance in Lafayette is approximately $200 each month. The actual amount you pay can differ depending on factors like where you live, the make and age of your car, your driving history, and more.
Sources
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