Cheapest Car Insurance in Lafayette, LA (2025)

Lafayette drivers pay an average of $1,344 per year for minimum coverage and $3,048 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: GEICO has Lafayette's cheapest minimum coverage at $776 per year ($65 monthly). That's 42% lower than the city average of $1,344, saving you $568 annually. Farm Bureau ranks second for minimum coverage at $890 per year ($74 monthly), a 33% savings compared to the city average.
• Cheapest full coverage: Farm Bureau offers the lowest full coverage at $2,049 annually ($171 monthly), 32% below the city average of $3,048. That's $999 in annual savings. GEICO's full coverage costs $2,138 per year ($178 monthly), still 29% below the city average but $89 more than Farm Bureau annually.

Young drivers in Lafayette have the highest car insurance costs compared to adults and seniors. Here are the most affordable car insurance companies in Lafayette by age group:

• Adults: GEICO and Farm Bureau lead with competitive monthly rates
• Seniors: GEICO and Farm Bureau again offer the lowest premiums for mature drivers
• Young drivers: GEICO and Farm Bureau provide the best value despite higher costs for this age group

Young drivers under 25 can reduce their GEICO premiums through the Good Student Discount, saving up to 15% with B-average grades. A defensive driving course adds another 10% discount.

You can find cheaper coverage in Lafayette with the insurers that have the lowest rate penalty for your violation. Here are your cheapest car insurance options in Lafayette by violation type:

• Accident: Farm Bureau at $85 and State Farm at $100 monthly
• Ticket: Farm Bureau at $77 and GEICO at $86 monthly
• DUI: Farm Bureau at $81 and State Farm at $93 monthly

Minor violations remain on your record for three years, after which rates generally decrease.

Lafayette drivers see different insurance costs depending on their neighborhood. Residents in ZIP code 70503 pay the least at $222 monthly for full coverage, compared to 70507 where drivers have the highest rates at $299 monthly.

Farm Bureau has a 94 out of 100 rating on MoneyGeek's scale, while Progressive follows closely at 93 out of 100. Farm Bureau excels in affordability and customer experience, earning top marks through our evaluation of agent networks, National Association of Insurance Commissioners complaint data, J.D. Power studies and customer reviews.

Farm Bureau delivers competitive rates and strong customer support, ranking second statewide for both affordability and customer experience. The company offers solid coverage options while keeping costs manageable for Louisiana drivers.

Progressive leads in customer experience and coverage options, providing extensive standard and specialty coverages plus unique add-ons for drivers seeking comprehensive protection. Both insurers maintain excellent financial stability ratings.

See below for why each insurer excels and which fits your needs.

Lafayette drivers have high car insurance costs across Louisiana. Shop around, reduce your premiums and get appropriate coverage:

Our insurance experts provide answers to common questions about finding affordable car insurance in Lafayette:

We analyzed hundreds of thousands of quotes from major insurers using data from the Louisiana Department of Insurance and Quadrant Information Services. Our research covered all Lafayette ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Louisiana's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hurricane damage claims or handling hit-and-run accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Lafayette risks like flood damage, uninsured motorists and theft in high-risk areas.