Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Lafayette Parish, LA

We monitor insurance prices, helping the average driver in Lafayette Parish save up to 33.9% on car insurance.

 

Start Saving

;

The Cheapest Minimum Coverage in Lafayette Parish

The chart below shows the cheapest car insurance company in Lafayette Parish 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 Farm Bureau, followed by State Farm, Safeco Insurance, and Clearcover.

 
Lafayette Parish Insurer Monthly Cost
Farm Bureau $116
State Farm $136
Safeco Insurance $138
Clearcover $152

Savings for Every Kind of Lafayette Parish Driver

The table shows how much the average auto insurance customer in Lafayette Parish might save by following our recommendations.

Based on our extensive insurance data, we know the average Lafayette Parish driver will save about 28% 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 $886 per year by choosing the right vehicle insurance company. Some Lafayette Parish residents are paying out over $3,184 extra every year for auto insurance in Lafayette Parish. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Lafayette Parish, LA Savings / Yr.
Drivers with good records
$886
Drivers with accidents
$1,553
Drivers with speeding tickets
$1,105
Drivers with a DUI conviction
$1,668
Young drivers
$2,645
Married drivers
$821
Drivers with bad credit
$1,412

Lafayette Parish Car Insurance vs. Louisiana

People living in Lafayette Parish pay an average of 5.68% more than the typical driver in the state. The average driver in Lafayette Parish can expect to pay about $2,014 per year, or $3,184 for full coverage.

Based on our analysis, Farm Bureau will be the cheapest provider in Lafayette Parish for most people.

Car Insurance Prices by Lafayette Parish Neighborhood

Lafayette Parish, LA map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Lafayette Parish?

The map shows insurance prices in and around Lafayette Parish, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $978 per year within the county boundaries, with insurance premiums ranging from a high of $3,891 to a low of $2,913. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Lafayette Parish.

Pick the Best Car Insurance Company for You in Lafayette Parish

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Lafayette Parish insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Lafayette Parish

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $886 over the average Lafayette Parish car insurance company.

Visit Site

We use the average good driver, paying $192 per month, as our baseline for pricing in Lafayette Parish. Farm Bureau, MetLife, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Lafayette Parish drivers with accidents on their records

In Lafayette Parish getting into an accident will raise premiums an average 35% for a yearly cost of $4,930. That's $1,746 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Farm Bureau, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $1,553 over the competition.

Visit Site

The best car insurance company for Lafayette Parish drivers with speeding tickets

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $1,105 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Lafayette Parish, tickets raise premiums on new quotes about $850. If you have a speeding ticket, we recommend State Farm, Farm Bureau, and Clearcover for savings that beat the average insurance cost of $4,034 per year.

The best auto insurance for Lafayette Parish drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $5,000 per year in auto insurance premiums, which was $1,816 more than a driver with no major issues. State Farm, Farm Bureau, and Clearcover penalized their customers the least for a DUI.

Getting a quote from Farm Bureau may cost the average person with a DUI about $1,668 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Lafayette Parish

In Lafayette Parish, Farm Bureau costs young drivers $2,645 less each year versus the average auto insurance bill.

Visit Site

Teen drivers account for more than their share of accidents, and thus end up paying about 59% more for insurance than more mature drivers in Lafayette Parish. With an average cost of $7,812 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like Geico, Allstate, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Lafayette Parish

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $355. State Farm, Progressive, and Farm Bureau provided the largest discounts to couples living in Lafayette Parish.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $821 saved each year compared to an average Lafayette Parish couple's premiums.

Visit Site

The cheapest car insurance in Lafayette Parish for drivers with bad credit

People with poor credit saved an average of $1,412 with Farm Bureau.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,989 every year. Premiums for people with poor credit were about $5,173 in Lafayette Parish. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Farm Bureau, and Midvale Home & Auto.

The best Lafayette Parish car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Lafayette Parish, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Lafayette Parish.

Nationwide was the best company for customer service in Lafayette Parish according to the NAIC.

Visit Site

Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Lafayette Parish, which was better than other insurers.

Visit Site

During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Lafayette Parish. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Lafayette Parish

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 29% of Lafayette Parish residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Lafayette Parish driver can expect to pay about $222 per month.

Visit Site

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 Parish, USAA has the best prices for drivers with speeding tickets, young drivers, drivers with bad credit, drivers with accidents, good drivers, drivers with a DUI conviction, and married couples.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Lafayette Parish

What Influences the Cost of Car Insurance in Lafayette Parish?

On average, car insurance in Lafayette Parish 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 county are influenced by the following factors:

  • The average commute time in Lafayette Parish is 29 minutes, which is a little less than average for a driver in the state.
  • Louisiana 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 Parish are about average 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 B- according to CrimeGrade.org.
  • Lafayette Parish is one of the least populated areas in the state. The county’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 Lafayette Parish is $168 per month for minimum coverage and $265 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 Counties

Counties with Similar Populations

* Who is the average Lafayette Parish driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Lafayette Parish with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.