In Lafayette, GEICO offers the lowest car insurance premium for minimum coverage at $776 per year, while Farm Bureau is cheapest for full coverage at $2,049 annually. Other affordable insurers in the city include State Farm, Progressive and Safeway Insurance.
Car Insurance in Lafayette
Updated: August 15, 2025
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Key Takeaways
Lafayette's cheapest car insurance companies are GEICO, Farm Bureau and State Farm, with savings up to 37% compared to the city average.
Monthly car insurance costs in Lafayette average $254 for full coverage and $112 for minimum coverage.
To get the best cheap auto insurance in Lafayette, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Lafayette?
| GEICO | $65 | $178 | -37% |
| Farm Bureau | $74 | $171 | -36% |
| State Farm | $88 | $238 | -15% |
| Progressive | $96 | $270 | -5% |
| Safeway Insurance | $149 | $225 | -3% |
Compare the Cheapest Lafayette Car Insurance for You
Your car insurance rates depend heavily on your driving history, age and other personal factors that make you unique. Check the table below to find which company offers the lowest rates for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $65 | $776 | -46% |
| Farm Bureau | $74 | $890 | -38% |
| State Farm | $88 | $1,052 | -27% |
| Progressive | $96 | $1,153 | -20% |
| AAA | $115 | $1,382 | -4% |
Cheapest Car Insurance by Age Group in Lafayette
Car insurance prices vary significantly based on age in Lafayette. Here's who offers the lowest rates for each age group:
- Cheapest Car Insurance for Young Drivers (16 to 25): GEICO at $154 per month
- Cheapest Car Insurance for Adults (26 to 64): GEICO at $65 per month
- Cheapest Car Insurance for Seniors (65 and older): GEICO at $67 per month
Cheapest Car Insurance for Young Drivers in Lafayette
GEICO and State Farm provide the most affordable car insurance options for young drivers in Lafayette, with monthly premiums starting at $154 and $193 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $154 | $1,854 | -45% |
| Farm Bureau | $175 | $2,096 | -38% |
| State Farm | $193 | $2,318 | -31% |
| AAA | $260 | $3,119 | -7% |
| Safeway Insurance | $270 | $3,242 | -3% |
Cheapest Car Insurance for Adult Drivers in Lafayette
In Lafayette, GEICO provides the most affordable car insurance for adult drivers, with rates 46% below the city average. Their monthly premiums start at $65. State Farm also offers competitive rates for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $65 | $776 | -46% |
| Farm Bureau | $74 | $890 | -38% |
| State Farm | $88 | $1,052 | -27% |
| Progressive | $96 | $1,153 | -20% |
| AAA | $115 | $1,382 | -4% |
Cheapest Car Insurance for Senior Drivers in Lafayette
Senior drivers in Lafayette can find the most affordable car insurance through GEICO. The provider offers minimum coverage at $67 per month ($802 annually) and full coverage at $175 per month ($2,098 annually).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $67 | $802 | -45% |
| Farm Bureau | $78 | $941 | -36% |
| State Farm | $94 | $1,133 | -23% |
| Progressive | $102 | $1,220 | -17% |
| AAA | $126 | $1,511 | 3% |
Cheapest Car Insurance for High-Risk Drivers in Lafayette
If you have a high-risk profile, these insurance providers offer the lowest rates in Lafayette based on your situation:
- Cheapest for Bad Credit: GEICO (from $88 per month)
- Cheapest With a DUI: Farm Bureau (from $82 per month)
- Cheapest With an Accident: Farm Bureau (from $85 per month)
- Cheapest With a Speeding Ticket: Farm Bureau (from $77 per month)
Cheapest Car Insurance for Bad Credit in Lafayette
GEICO offers the cheapest car insurance for bad credit drivers in Lafayette, with monthly rates starting at $88 for minimum coverage and $194 for full coverage. These affordable rates apply to state minimum liability coverage and full coverage with 100/300/100 liability limits plus a $1,000 deductible.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Geico | $88 | $1,053 | -51% |
| Farm Bureau | $97 | $1,160 | -46% |
| Safeway Insurance | $115 | $1,379 | -36% |
| Progressive | $132 | $1,590 | -26% |
| Farmers | $140 | $1,685 | -22% |
Cheapest Car Insurance With a DUI in Lafayette
Farm Bureau offers the most affordable car insurance in Lafayette for drivers with DUIs. You'll save up to 54% on minimum coverage and 51% on full coverage compared to city averages.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $82 | $983 | -54% |
| State Farm | $94 | $1,126 | -47% |
| Progressive | $109 | $1,303 | -39% |
| Geico | $145 | $1,734 | -19% |
| AAA | $157 | $1,890 | -12% |
Cheapest Car Insurance With an Accident in Lafayette
Drivers in Lafayette with an accident on record can find the lowest rates with Farm Bureau, starting at $85 per month for minimum coverage. This is about 48% below the city average.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $85 | $1,021 | -48% |
| State Farm | $101 | $1,210 | -39% |
| Geico | $110 | $1,319 | -33% |
| Progressive | $159 | $1,905 | -3% |
| AAA | $169 | $2,034 | 3% |
Cheapest Car Insurance With a Speeding Ticket in Lafayette
Farm Bureau offers the cheapest car insurance across both coverage levels for Lafayette drivers with speeding tickets. Their minimum liability coverage costs about $77 per month, while full coverage with higher limits runs around $177 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $77 | $929 | -46% |
| Geico | $86 | $1,035 | -40% |
| State Farm | $94 | $1,126 | -34% |
| Progressive | $127 | $1,530 | -11% |
| Safeway Insurance | $154 | $1,847 | 7% |
Best Car Insurance Companies in Lafayette
The best car insurance companies in Lafayette are Farm Bureau, Progressive, GEICO and State Farm. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Farm Bureau | 95 | 2 | 2 | 5 |
| Progressive | 94 | 4 | 1 | 2 |
| GEICO | 93 | 1 | 5 | 4 |
| State Farm | 91 | 3 | 3 | 4 |
| Farmers | 87 | 6 | 7 | 1 |
Farm Bureau: Best for Multiple Driver Types
pros
Excellent customer service ratings
Wins in multiple driver categories
Low monthly rates
cons
Limited coverage options
Higher rates for minimum coverage
COMPANY HIGHLIGHTS
Farm Bureau ranks first in Lafayette by offering affordable rates and strong customer service. The company stands out by being the cheapest option for young drivers, those with accidents, and drivers with DUIs. Their full coverage rates are lower than the city average, making them an affordable choice for most drivers. While they excel in customer experience, their basic coverage options may not suit drivers wanting extensive add-ons.
Progressive: Best Customer Experience
pros
Top customer satisfaction scores
Extensive coverage options
Many policy customization choices
cons
Higher than average rates
COMPANY HIGHLIGHTS
Progressive earns the second spot in Lafayette thanks to outstanding customer service and comprehensive coverage options. The company offers the most extensive selection of add-on coverages in the city. While their rates run higher than the Lafayette average, Progressive makes up for it with excellent claims handling and policy flexibility. Their strong coverage score shows they provide robust protection options for drivers wanting complete coverage.
How Much Is Car Insurance in Lafayette?
In Lafayette, minimum coverage costs about $112 per month or $1,350 per year, ranking 446th out of all Louisiana cities for affordability. Full coverage averages $254 monthly or $3,043 annually, ranking 433rd among Louisiana cities.
| Full Coverage | $254 | $3,043 |
| Minimum Coverage | $112 | $1,350 |
Compare Personalized Lafayette Car Insurance Costs
While basic rate averages help, you'll find more precise estimates in the table below, where you can filter Lafayette car insurance costs by your specific age, driving record and other key factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $367 | $4,409 | 15% |
Lafayette Car Insurance Costs by ZIP Code
In Lafayette, car insurance rates by ZIP code range from $94 to $299 per month. ZIP code 70507 is the most expensive, while 70503 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:70501
| 70501 | $100 | $237 |
How to Get the Best Cheap Lafayette Car Insurance
Finding affordable car insurance in Lafayette can feel overwhelming, with local rates running higher than many other cities and numerous coverage options to sort through. This step-by-step guide shows you exactly how to secure the cheapest rates while maintaining the right coverage for your needs.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need to protect yourself in Lafayette. Consider your vehicle's value, your assets, and Louisiana's minimum requirements. Use our car insurance coverage needs calculator to get a personalized recommendation based on your specific situation.
- 2
Explore alternative insurance options
Different types of car insurance can save you money based on your driving habits. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
- 3
Know the local price range
Research average vehicle insurance costs in Lafayette to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying. This knowledge gives you bargaining power when shopping for coverage.
- 4
Stack your available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, good student discounts, and defensive driving courses can also reduce your premium significantly.
- 5
Check company ratings and reviews
Research insurance providers' financial strength and customer service ratings. Focus on companies with strong records in Lafayette for claims processing and customer support. Look for insurers with local agents who understand Cajun Country's specific needs and challenges.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to compare rates. Make sure each quote includes the same coverage levels and deductibles for accurate comparison.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for better rates. Life changes like improved credit scores, safer driving records, or vehicle upgrades can qualify you for lower premiums. Stay informed about new discounts and policy options in the Lafayette market.
Cheapest Car Insurance in Lafayette: Bottom Line
Car insurance rates in Lafayette depend on your age, driving record and credit score. GEICO and Farm Bureau offer the lowest average premiums in the area, but compare quotes from multiple insurers to find your best rate.
Cheap Lafayette Car Insurance: FAQ
Find clear answers about affordable car insurance in Lafayette. Our research helps you get the coverage you need at the lowest rates available.
What is the cheapest car insurance company in Lafayette, Louisiana?
GEICO offers minimum coverage at $776 annually in Lafayette, while Farm Bureau provides full coverage at $2,049. Compare quotes as rates vary based on individual factors.
Who offers the best car insurance in Lafayette?
Farm Bureau offers Lafayette's best car insurance with a MoneyGeek score of 95 out of 100, scoring one point higher than Progressive. The company excels in both affordability and customer service quality.
What is the average cost of car insurance in Lafayette?
In Lafayette, drivers pay $3,043 per year for full coverage and $1,350 for minimum coverage. Your actual rates will vary based on individual factors.
Is car insurance in Lafayette expensive?
Car insurance in Lafayette costs more than average, ranking 446th for minimum coverage affordability and 433rd for full coverage compared to other Louisiana cities.
How We Chose the Best and Cheapest Car Insurance in Lafayette, LA
To help Lafayette drivers find the most affordable auto insurance companies, MoneyGeek analyzed Lafayette auto insurance rates based on data and information from the Louisiana Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Lafayette and hundreds of thousands of quotes for 12 companies offering auto insurance in Louisiana to tailor options as closely as possible to you.
Lafayette Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Lafayette with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Lafayette
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Louisiana are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Lafayette based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.