Lafayette Car Insurance

What is the average cost of car insurance in Lafayette?


The typical Lafayette driver pays $2,400 per year for car insurance coverage. That's more expensive than the average across Louisiana ($2,379) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Lafayette.


AUTO INSURANCE COSTS: LAFAYETTE VS. STATE AND US AVERAGES
Lafayette Average (yearly)Louisiana AverageUnited States Average
$2,400$2,379$1,548

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Lafayette car insurance costs by company


The difference in auto insurance rates from company to company can be substantial. For a typical insurance customer, Southern Farm Bureau provides Lafayette's cheapest rates. We've listed the best cheap car insurance companies in Lafayette below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


LAFAYETTE CAR INSURANCE PREMIUMS BY COMPANY
Insurance CompanyAverage Yearly Rate
Southern Farm Bureau$1,985
State Farm$2,059
GEICO$2,158
Allstate$2,523
Progressive$2,840

Read our guide to finding the best cheap auto insurance.



Lafayette car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Lafayette are drivers in their age_50s, who pay an average of $2,121per year. Drivers in their age_40s pay marginally higher rates — $2,332 per year.

The Lafayette drivers who face the priciest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Lafayette is to celebrate your 20th birthday. In Lafayette, teenage drivers pay $12,133 — a full $9,801 more than the second-most expensive rate paid by an age group.


CAR INSURANCE RATES BY AGE TIER IN LAFAYETTE
Age tierAverage Yearly Rate
Teenagers$12,133
20s$3,258
30s$2,380
40s$2,332
50s$2,121
60s$2,373
70s$2,460

Learn more about the impact of age on auto insurance rates.



Lafayette car insurance rates by marital status and gender


Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Lafayette pay $104 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Lafayette, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Lafayette, female drivers pay $144 per year more than do male drivers for car insurance.


LAFAYETTE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$2,544
Male$2,400
Single$2,296
Married$2,296
Divorced$2,400
Widowed$2,386

Learn more about how gender and marital status have on auto insurance rates.



Lafayette auto insurance premiums by incident history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Lafayette drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,014 per year versus the city average. A ticket for speeding results in a $469 rate hike while a DWI or DUI violation costs $1,125per year in extra insurance expenditures.


LAFAYETTE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage Annual Rate
DUI/DWI$3,525
Reckless Driving$3,414
At-fault Accident (damages less than $1,000)$3,575
At-fault Accident (damages greater than $2,000)$3,601
Speeding Ticket (16-20 mph over speed limit)$2,870

Learn more about how citations can raise your auto insurance rates.



Lafayette auto insurance rates by credit level


It's no secret credit score is closely correlated with car insurance rates. Lafayette drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 58% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Lafayette, improving your credit to "Fair" corresponds with a $1,666 decrease in annual car insurance rates.


LAFAYETTE AUTO INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Rate (annual)
Very Poor$4,673
Fair$3,007
Good$2,400
Very Good$2,186
Exceptional$1,970

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.