Lafayette Auto Insurance Rates, Quotes, Agents & Reviews in LA

Lafayette, LA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lafayette, LA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Lafayette, LA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Lafayette, LA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lafayette, LA with that of other cities in and around Lafayette.

Lafayette Carencro Scott Duson Maurice Broussard
Average Insurance Rates $2,339 $2,464 $2,450 $2,333 $2,477 $2,543

Lafayette, LA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Lafayette, LA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Lafayette $1,136 $960
Scott $938 $793
Ossun $1,555 $1,314
Milton $951 $803
Carencro $1,439 $1,215
Maurice $1,226 $1,035
Duson $1,399 $1,181
Broussard $1,384 $1,169

Lafayette, LA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lafayette, LA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $7,590
20 Years $3,005
30 Years $2,315
40 Years $2,227
50 Years $2,062
60 Years $2,091
70 Years $2,434

Lafayette, LA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lafayette, LA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $4,070 $608
3 Vehicles $6,105 $912
4 Vehicles $8,140 $1,216

Savings on 2 Vehicles bundle:$608

Savings on 3 Vehicles bundle:$912

Savings on 4 Vehicles bundle:$1,216

Lafayette, LA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lafayette, LA.

Location Average Insurance Cost Post DUI Insurance Rate
Lafayette $2,339 $3,242
Scott $2,450 $3,396
Ossun $2,357 $3,267
Milton $2,503 $3,469
Carencro $2,464 $3,415
Maurice $2,477 $3,433
Duson $2,333 $3,234
Broussard $2,543 $3,525

Lafayette, LA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $2,007
Excellent (740-799) $2,291
Good (670-739) $2,437
Average (580-669) $3,180
Poor (300-579) $3,815

Lafayette, LA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Statia Provost Allstate 1913 W Congress St, Lafayette, 70506 (337) 237-3108
Kenneth H. Yeomans Allstate 1800 W Pinhook Rd, Lafayette, 70508 (337) 232-1800
Tommy Desormeaux State Farm 3144 W Pinhook Rd, Lafayette, 70508-3444 337-233-2453
Chris Kidder State Farm 920 Kaliste Saloom Road, Lafayette, 70508-4902 337-237-0088
Ross Johnson Liberty Mutual 111 Settlers Trace Blvd Ste 1005, Lafayette, 70508 1-337-262-9189
Martin Perret Quality Plus Inc Liberty Mutual Independent 1921 KALISTE SALOOM RD STE 210, LAFAYETTE, 70508 337-234-9401
Katie Sanford State Farm 2100 Verot School Rd Ste 4, Lafayette, 70508-6466 337-989-9330
Shane Sellers Allstate 705 S Morgan Ave Ste C, Broussard, 70518 (337) 839-8711
Assuredpartners Gulf Coast Ins Agency Llc Travelers 600 Jefferson St 600 Jefferson St, Lafayette, 70501 None
Arthur J. Gallagher Lafayette None 229 Heymann Blvd, Lafayette, 70503 None

Lafayette, LA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$103 $2,442
Driver's Failure In Showing Documents +$227 $2,566
Driving With An Expired Registration +$241 $2,580
Driving At A Considerably Slow Pace +$508 $2,847
Using A Cellphone While Driving +$536 $2,875
Running A Red Light +$545 $2,884
Speeding +$573 $2,912
Driving A Vehicle Without The Required Permission +$727 $3,066
Driving With An Expired/Suspended License +$1,576 $3,915

Lafayette, LA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $2,245
Active Disabling Device $2,245
Tracking Device $2,199
Passive Disabling Device $2,175

Latest Auto Insurance Reviews in Lafayette, LA | Back to Top

These are both comparable to other companies I have used. I have tried out lots of different companies and am completely happy with the premium and deductible I have now.
These are both comparable to other companies I have used. I have tried out lots of different companies and am completely happy with the premium and deductible I have now.
State Farm
I would rate State Farm a 3. I am happy with my auto insurance and the price. I am not happy that I cannot bundle my insurance because State Farm does not offer flood insurance in my area. The price for home owners insurance is also very expensive.
Horace Mann
Given that I work in insurance and my agency controls my account; there is nothing bad that I can recall regarding my insurance.
State Farm
I disliked some of the reviews customers of the company whether current or previous, about how the claims process went.
Horace Mann
My auto insurer has a steep premium compared to other local companies, all worth it in the end because of the personal service I recieve.
State Farm
The premium is very good. I have shopped around for other prices and nothing compares. What I get for the money is very reliable and worth it. I like the premium that I pay.
State Farm
My policy USED to provide a dedicated person to work with me on claims -- it's kind of gone hill in the last few years, and I am currently shopping for new insurance to see if I can get better prices elsewhere. Other than that, the best part of this policy is the ease of use and the lack of increase in rates.
I like their affordable rates and their willingness to help out in an emergency