Lafayette Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Louisiana has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Lafayette typically pay around $233.29 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Lafayette, LA Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Lafayette coming in around $147.96 per month. Other companies to consider if you live in Lafayette is Southern Farm Bureau with an average cost of $149.16 per month and Clearcover which typically runs around $174.75 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Lafayette.

How Much is Car Insurance in Lafayette, LA?

Rates can vary from city to city. The residents of Alexandria typically pay $263.48 per month while people who live in Baton Rouge will pay $276.67 per month on average. See what people pay for car insurance in other cities in Louisiana.

Cheap Car Insurance in Lafayette by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Louisiana. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Lafayette

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $189.74 per month in Lafayette. Compare that to drivers in their 30’s who typically pay around $183.08 per month drivers in their 40s at $217.66 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Lafayette

If you are teen in Lafayette you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $263.32 per month. This is likely the most affordable option in Lafayette. You might also want to consider State Farm and Direct Auto who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Lafayette

20 year-olds in Lafayette might want to consider Clearcover who, on average, offers car insurance rates around $136.16 per month. Southern Farm Bureau , USAA , Direct Auto and State Farm are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Lafayette

If you are in your 30s in Lafayette our research has found that Southern Farm Bureau typically has the most affordable coverage coming in around $134.18 per month, followed by USAA at $144.14 and Clearcover at $145.96.

Cheapest Insurance for 40 Year-olds in Lafayette

On average, Southern Farm Bureau offers car insurance for 40 year-olds in Lafayette for around $91.10 per month. If you are looking for affordable coverage, you may also want to consider USAA or Direct Auto. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Lafayette

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Lafayette we found that Southern Farm Bureau generally offers the most affordable coverage at $125.26 per month.

Cheapest Insurance for 60 Year-olds in Lafayette

If you live in Lafayette and you’re in your 60s, our data indicates that Southern Farm Bureau usually has the best rates at $85.81 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Lafayette, LA

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Lafayette, the average monthly rate for a driver who is currently insured is $206.46 while drivers who are not currently covered will pay around $271.45.

Compare Recent Car Insurance Quotes in Lafayette

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Lafayette a driver of a 2011 Chevrolet Impala can expect to pay around $274.19 per month while someone that owns a 2006 Ford Taurus may pay around $125.52 per month. Check out the list of recent quotes in Lafayette below.

FAQ's for Drivers in Lafayette, LA

What Is the Minimum Liability Coverage Requirement in Lafayette, LA?

Liability coverage is required by law on every registered vehicle in Louisiana. The minimum coverage requirements are $15,000 bodily injury per person, $30,000 bodily injury to more than one person in a single accident, and $25,000 property damage to someone else’s vehicle or other property per accident. You’ll also be automatically given uninsured/underinsured motorist coverage with any policy unless you refuse it in writing

Louisiana is an at-fault state. That means fault will be assigned in an accident, and those affected will either file a claim through their own carrier, file a claim through the other party’s carrier, or file a personal injury lawsuit.

•  $15,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
•  $30,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
•  $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

What Is the Blood Alcohol Concentration (BAC) limit in Lafayette, LA?

It’s against the law to drive in Louisiana at the following BAC percentages:

• .08%+ at 21 years old or older
• .04%+ for commercial vehicle drivers
• .02%+ at under 21 years old

Louisiana’s driving while intoxicated (DWI) laws don’t just apply to driving under the influence of alcohol; you can also be convicted for driving under the influence of any narcotics or central nervous system stimulants. Also, if you register a BAC of 0.15% or higher, you’ll face harsher penalties.

What happens if my coverage lapses?

Knowingly operating a motor vehicle without insurance in Louisiana can come with steep penalties, including fines of $500 to $1,000, a suspended license, and a temporarily revoked registration. Consequences are generally harshest if you’re in an accident without coverage or lie about having coverage. While they aren’t always as harsh for briefly lapsed coverage, you’re still likely to face fines and lose your driving privileges until you show proof of coverage.

Check Out Other Rates in Lafayette, LA Nearby Cities: