Lafayette Car Insurance

The Zebra
May 30, 2018

Car Insurance in Lafayette

With premiums within $22 of the state average, Lafayette has rates that are fairly consistent with Louisiana. Why don't we get started on how to save on car insurance in Lafayette?

  • City Average: $2,247
  • State Average: $2,225
  • National Average: $1,427

Lafayette Car Insurance by Credit Rating

There is a disparity of $2,119/year between car insurance premiums for individuals with Exceptional credit (800-850) and Very Poor credit (300-579). Moving from Very Good (740-799) to Exceptional (800-850) offers drivers the largest percent drop in premiums, as they save nearly 18% per year.

  • Very Poor: $4,058
  • Fair: $3,349
  • Good: $2,826
  • Very Good: $2,374
  • Exceptional: $1,939

Lafayette Car Insurance by Gender and Marital Status

Several driver characteristics, including gender and marital status, can have an effect on car insurance premiums in Lafayette. Rates for those who are widowed are marginally cheaper than rates for those who are single. Being married can save you an average of $100 per year compared to being single or divorced. $53 is the amount by which men's and women's car insurance premiums deviate.

  • Female: $2,300
  • Male: $2,247
  • Single: $2,247
  • Married: $2,147
  • Divorced: $2,247
  • Widowed: $2,229

Lafayette Car Insurance by Accident or Violation History

Do you know how much an accident or violation on your record can cost you in terms of car insurance rates? $1,044 is, on average, the additional cost for car insurance in Lafayette if you have an at-fault accident on your driving record. Do you want to increase your insurance premiums by an unignorable 21%? If not, watch your speed because a ticket for speeding by 16-20mph in Lafayette will cause that rise.

  • DUI: $3,426
  • Reckless Driving: $3,343
  • At-fault Accident (damages less than $1000): $3,291
  • At-fault Accident (damages greater than $2000): $3,291
  • Speeding Ticket (16-20 mph over speed limit): $2,713

Lafayette Car Insurance by Age

At $2,005, drivers in their 50s have the smallest car insurance rates among any age group. Car insurance premiums are highest for teenage drivers, with payments that average $9,371 per year. The greatest reduction in premiums for Lafayette drivers happens when they reach their 20s. Once out of the teenage age range, individuals save, on average, 67%. The first time drivers can anticipate their age to trigger an increase in rates is when they turn 60.

  • Teenagers: $9,371
  • 20s: $3,114
  • 30s: $2,223
  • 40s: $2,176
  • 50s: $2,005
  • 60s: $2,224
  • 70s: $2,301

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