Buy Cheap Lafayette, LA Auto Insurance

The cheapest Lafayette, LA auto insurance is offered by State Farm. Lafayette drivers face expensive auto insurance partly because of the high number of uninsured drivers in Louisiana and the very low amount of auto insurance required. Drivers must carry at least the minimum amount of auto insurance in Lafayette, LA, which is just 15/30/25 in liability coverage. Compare rates online to find the cheapest Lafayette, LA car insurance for you.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • The cheapest auto insurance rates in Lafayette, LA are from State Farm
  • Auto insurance in Louisiana is among the most expensive in the U.S.
  • The high number of uninsured drivers help drive up the auto insurance rates in Lafayette, LA

Lafayette, LA auto insurance is higher than the state and national averages. While Louisana auto insurance is among the highest in the nation, the rates in Lafayette are even higher.

However, it is possible to find affordable Lafayette, LA auto insurance by shopping around. Compare quotes to find the best coverage at the cheapest price.

Enter your ZIP code today to compare Lafayette, LA auto insurance quotes.

What is the cheapest auto insurance company in Lafayette, LA?

State Farm is the cheapest auto insurance company that offers coverage to everyone in Lafayette, LA. Although USAA actually has cheaper coverage, it is only offered to members of the military, veterans, and their families.

The top-rated Lafayette, LA auto insurance companies are:

  • USAA – $4,611.66
  • State Farm – $4,739.34
  • Allstate – $5,841.10
  • GEICO – $6,052.52
  • Progressive – $7,640.85

Although these are average rates, there are many factors that affect the cost of auto insurance. Some of the factors used to calculate your rates are your age, gender, marital status, driving record, and credit history.

Your ZIP code is also used to determine your auto insurance rates. Everything from the number of thefts to the Lafayette, LA weather can play a part in your rates.

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What auto insurance coverage is required in Lafayette, LA?

Almost every state requires some sort of minimum auto insurance. Louisiana is no different.

The minimum amount of auto insurance drivers in Lafayette, LA need to carry is:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

There are very limited amounts of car insurance coverage. You will see that you can quickly surpass these limits in a serious accident. To restrict the out-of-pocket expenses in an accident, consider increasing the limits on your auto insurance coverages so that you are fully covered.

In Louisiana, one of the reasons auto insurance is so high is that coverage limits are so low. In order to get their losses compensated in an accident,  drivers are forced to sue. In fact, this pushes the cost of car insurance up.

Another reason Louisiana auto insurance is so high is that there are a large number of uninsured drivers in the state. These drivers face possible fines, driver’s license suspension, and jail time.

A Lafayette, LA news report cites these two factors as the biggest contributors to high auto insurance rates in Lousiana.

What affects auto insurance rates in Lafayette, LA?

Traffic and auto theft can also affect your Lafayette, LA auto insurance rates.

Although INRIX doesn’t have a ranking for Lafayette, LA, it does rank nearby Baton Rouge as the 47th most congested city in the U.S.

City-Data reports that most drivers in Lafayette average a commute time of 20 minutes.

Auto theft can also raise your car insurance rates. According to the FBI, there were 297 motor vehicle thefts in Lafayette, LA in one year.

Lafayette, LA Auto Insurance: The Bottom Line

Now that you know that Lafayette auto insurance is among the most expensive in the country, shop around before you buy Lafayette, LA auto insurance to get the best deal. Compare rates from multiple companies to find the coverage that is best for you.

Enter your ZIP code now to compare Lafayette, LA auto insurance quotes.

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