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Get Cheap Car Insurance in Downtown Lafayette, Lafayette, CA
We monitor insurance prices, helping the average driver in Downtown Lafayette save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Downtown Lafayette
The chart below shows the cheapest car insurance company in Downtown Lafayette for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Downtown Lafayette Insurer | Monthly Cost |
|---|---|
| Metromile | $52 |
| Geico | $58 |
| Progressive | $63 |
| Travelers | $65 |
Savings for Every Kind of Downtown Lafayette Driver
Based on our extensive insurance data, we know the average Downtown Lafayette driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $659 per year by choosing the right vehicle insurance company. Some Downtown Lafayette residents are paying out over $2,063 extra every year for auto insurance in Downtown Lafayette. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Lafayette, Lafayette, CA Savings / Yr. |
|---|---|
$659 |
|
$1,208 |
|
$955 |
|
$1,678 |
|
$862 |
|
$374 |
|
$0 |
Downtown Lafayette Car Insurance vs. Lafayette
People living in Downtown Lafayette pay an average of 2.72% more than the typical driver in the state. The average driver in Downtown Lafayette can expect to pay about $966 per year, or $2,063 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Downtown Lafayette for most people.
Car Insurance Prices by Downtown Lafayette Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Lafayette?
The map shows insurance prices in and around Downtown Lafayette, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $135 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,115 to a low of $1,980. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Downtown Lafayette.Pick the Best Car Insurance Company for You in Downtown Lafayette
The best car insurance provider for most drivers in Downtown Lafayette
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $659 over the average Downtown Lafayette car insurance company.
The best car insurance provider for Downtown Lafayette drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,208 over the competition.
The best car insurance company for Downtown Lafayette drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $955 better than other car insurance companies.
The best auto insurance for Downtown Lafayette drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,678 less each year.
The least expensive car insurance company for new and young drivers in Downtown Lafayette
In Downtown Lafayette, State Farm costs young drivers $862 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Lafayette
Progressive gave the largest car insurance discounts to married couples, averaging $374 saved each year compared to an average Downtown Lafayette couple's premiums.
The cheapest car insurance in Downtown Lafayette for drivers with bad credit
The best Downtown Lafayette car insurance company for customer service
Nationwide was the best company for customer service in Downtown Lafayette according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown Lafayette
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Downtown Lafayette driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Downtown Lafayette, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Downtown Lafayette
What Influences the Cost of Car Insurance in Downtown Lafayette?
On average, car insurance in Downtown Lafayette is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Downtown Lafayette is 45 minutes, which is far more than average for a driver in the city.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Downtown Lafayette are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Downtown Lafayette has an average population density in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown Lafayette is $80 per month for minimum coverage and $172 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Downtown Walnut Creek: Insurance costs 8.10% more
- Pleasant Valley: Insurance costs 5.09% more
- Cambridge Park: Insurance costs 5.96% more
- Merriwood: Insurance costs 2.52% less
- Piedmont Pines: Insurance costs 2.57% less
- Northgate Area: Insurance costs 4.41% less
- Montclair: Insurance costs 0.15% more
- Pacheco-Martinez: Insurance costs 1.50% more
- Ellis Lake: Insurance costs 9.50% more
- Claremont: Insurance costs 0.78% less
Neighborhoods with Similar Populations
- Cooper Park: Insurance costs 42.90% less
- Greenwood: Insurance costs 9.79% more
- Downtown Rockford: Insurance costs 16.19% less
- Murphy Creek: Insurance costs 0.82% less
- Washington: Insurance costs 30.25% less
- Granville Historic District: Insurance costs 46.87% less
- Garden District: Insurance costs 45.32% less
- Ridgeview Estates: Insurance costs 7.37% more
- Midtown: Insurance costs 7.71% more
- Nasons Corner: Insurance costs 52.35% less