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Get Cheap Car Insurance in Lafayette, AL
We monitor insurance prices, helping the average driver in Lafayette save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Lafayette
The chart below shows the cheapest car insurance company in 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 Travelers, followed by Gainsco, State Farm, and Safe Auto.
| Lafayette Insurer | Monthly Cost |
|---|---|
| Travelers | $69 |
| Gainsco | $73 |
| State Farm | $76 |
| Safe Auto | $77 |
Savings for Every Kind of Lafayette Driver
Based on our extensive insurance data, we know the average Lafayette driver will save about 25% 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, credit score, marital status, and age. The average driver will find themselves saving $388 per year by choosing the right vehicle insurance company. Some Lafayette residents are paying out over $1,565 extra every year for auto insurance in Lafayette. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lafayette, AL Savings / Yr. |
|---|---|
$388 |
|
$527 |
|
$494 |
|
$560 |
|
$1,217 |
|
$67 |
|
$331 |
Lafayette Car Insurance vs. Alabama
People living in Lafayette pay an average of 2.36% less than the typical driver in the state. The average driver in Lafayette can expect to pay about $1,033 per year, or $1,565 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Lafayette for most people.
Car Insurance Prices by Lafayette Neighborhood
Insurance Prices
Where is insurance cheapest within Lafayette?
The map shows insurance prices in and around Lafayette, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $132 per year within the city boundaries, with insurance premiums ranging from a high of $1,618 to a low of $1,486. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Lafayette.Pick the Best Car Insurance Company for You in Lafayette
The best car insurance provider for most drivers in Lafayette
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $388 over the average Lafayette car insurance company.
The best car insurance provider for Lafayette drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $527 over the competition.
The best car insurance company for Lafayette drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $494 better than other car insurance companies.
The best auto insurance for Lafayette drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $560 less each year.
The least expensive car insurance company for new and young drivers in Lafayette
In Lafayette, Travelers costs young drivers $1,217 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lafayette
State Farm gave the largest car insurance discounts to married couples, averaging $67 saved each year compared to an average Lafayette couple's premiums.
The cheapest car insurance in Lafayette for drivers with bad credit
The best Lafayette car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lafayette
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Lafayette driver can expect to pay about $101 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 Lafayette, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Lafayette
What Influences the Cost of Car Insurance in Lafayette?
On average, car insurance in Lafayette is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- The average commute time in Lafayette is 34 minutes, which is about the national average for a driver in the state.
- Alabama state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Lafayette are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Lafayette is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Lafayette is $86 per month for minimum coverage and $130 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 Cities
- Milltown: Insurance costs 0.51% less
- Moorefield: Insurance costs 0.19% more
- Chapel Hill: Insurance costs 1.98% less
- Marcoot: Insurance costs the same
- Penton: Insurance costs 0.58% less
- Fredonia: Insurance costs 2.17% less
- Dudleyville: Insurance costs 2.62% less
- Five Points: Insurance costs 0.83% less
- Tiller Crossroads: Insurance costs 1.15% less
- Lanett: Insurance costs 1.09% more
Cities with Similar Populations
- Hometown: Insurance costs 5.75% more
- Oglesby: Insurance costs 9.07% less
- Chaffee: Insurance costs 14.12% more
- Pearson: Insurance costs 2.56% more
- Utica: Insurance costs 27.22% less
- Honokaa: Insurance costs 8.43% less
- Merkel: Insurance costs 6.13% more
- Lopezville: Insurance costs 20.83% more
- Tama: Insurance costs 21.41% less
- Pauline: Insurance costs 3.07% more