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.
Car insurance premiums in Lafayette, LA, start from $367
A recent Zimlon analysis on car insurance premiums in Lafayette, LA, reveals that Pharmacists Mutual Insurance offers the cheapest premium at $367 for 60-year-old married female drivers with a clean driving record. In addition, the study shows that a driver’s background and driving records influence premium rates. Zimlon’s study further shows that low-end premium rates for all driver cohorts range from $367 to $1,367.
Zimlon uses survey information from the Louisiana Department of Insurance. Car insurance premiums are significantly influenced by factors such as coverage limits, deductibles, and car model. The vehicles used as reference points for this survey are the 2011, 2014 and 2017 models of Toyota Camry. The bodily injury per accident limit is $30,000 and the bodily injury per person is $15,000. The property damage per accident limit is $25,000. The daily round-trip mileage is about 30 miles.
The difference between the cheapest and median premiums provides some insight into potential savings. For all the driver cohorts, the difference value ranges between $588 and $3,443. Male drivers who are 18 years old and single with one accident in the past 18 months report the highest savings by investing in the right company. The difference between the cheapest and median premium for this cohort is $3,443. For this cohort, Pharmacists Mutual Insurance offers the cheapest policy at $1,221 and Permanent General Assurance provides the median premium at $4,664.
For 21-year-old single male drivers with two accidents in the past 18 months, LA Auto Insurance offers the most expensive premium at $19,946 and Omni Insurance provides the median premium at $3,794. The savings between the most expensive and median premium is the highest for this cohort of drivers at $16,152.
The study further shows that for six out of seven driver cohorts, Pharmacists Mutual Insurance offers the cheapest premiums. LA Auto Insurance offers the most expensive premiums for four out of seven driver cohorts.
The following graph shows a comparison of premium rates across companies for Lafayette, LA.
The following table compares the car insurance premiums for key companies in Lafayette, LA, along with the companies’ names and the difference between the median and the cheapest or most expensive rates.
| Cohort | Cheapest car insurance companies in Lafayette, LA | Second cheapest car insurance companies in Lafayette, LA | Companies offering median premiums in Lafayette, LA | Second most expensive car insurance companies in Lafayette, LA | Most expensive car insurance companies in Lafayette, LA | Difference between the cheapest and median prices | Difference between the most expensive and median prices |
|---|---|---|---|---|---|---|---|
| 18-year-old single male drivers with one accident in the past 18 months | Pharmacists Mutual Insurance Company ($1,221) | Cincinnati Insurance Company ($1,956) | Permanent General Assurance Corporation ($4,664) | Encompass Insurance Company of America ($11,202) | La. Auto Insurance Plan ($12,250) | $3,443 | $7,586 |
| 60-year-old married female drivers | Pharmacists Mutual Insurance Company ($367) | USAA General Indemnity Company ($447) | 21st Century Centennial Insurance Company ($955) | Amica Mutual Insurance Company ($3,189) | LA Auto Insurance Plan ($5,334) | $588 | $4,379 |
| 21-year-old single female drivers with two accidents in the past 18 months | Pharmacists Mutual Insurance Company ($1,367) | Cincinnati Insurance Company ($1,595) | Direct General Insurance Company of LA (Oldest Program) ($3,383) | Encompass Insurance Company of America ($8,237) | Encompass Property & Casualty Company ($8,588) | $2,016 | $5,205 |
| 48-year-old single female drivers | Hartford Accident & Indemnity Company ($1,156) | Liberty Insurance Corporation ($1,208) | Encompass Property & Casualty Company ($2,397) | LA Auto Insurance Plan ($6,486) | Amica Mutual Insurance Company ($6,995) | $1,241 | $4,598 |
| 30-year-old single male drivers | Pharmacists Mutual Insurance Company ($578) | Horace Mann Insurance Company ($602) | Direct General Insurance Company of LA ($1,258) | Encompass Insurance Company of America ($3,350) | LA Auto Insurance Plan ($5,789) | $680 | $4,531 |
| 21-year-old single males with two accidents in the past 18 months | Pharmacists Mutual Insurance Company ($1,232) | GEICO Casualty Company ($1,538) | Omni Insurance Company ($3,794) | Imperial Fire & Casualty Insurance Company (Classic Program) ($9,792) | LA Auto Insurance Plan ($19,946) | $2,562 | $16,152 |
| 18-year-old single females with one accident in the past 18 months | Pharmacists Mutual Insurance Company ($1,091) | Cincinnati Insurance Company ($1,772) | Liberty Mutual Fire Insurance Company ($3,937) | Encompass Insurance Company of America ($8,091) | Encompass Property & Casualty Company ($8,624) | $2,846 | $4,687 |
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 Rates
- Lafayette, LA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lafayette, LA
- Multi Vehicle Insurance Savings in Lafayette, LA
- How Credit Score Affects Car Insurance Rates in Lafayette, LA
- How DUI Affects Auto Insurance Premiums in Lafayette, LA
- Top Auto Insurance Agents Near Lafayette, LA
- How Driving Violations Affect Auto Insurance Rates in Lafayette, LA
- Lafayette, LA Auto Insurance Discounts on Anti Theft Feature
- Lafayette, LA Auto Insurance Company Reviews
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
ProgressiveThese 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.
ProgressiveThese 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 FarmI 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 MannGiven that I work in insurance and my agency controls my account; there is nothing bad that I can recall regarding my insurance.
State FarmI disliked some of the reviews customers of the company whether current or previous, about how the claims process went.
Horace MannMy 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 FarmThe 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 FarmMy 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.
GeicoI like their affordable rates and their willingness to help out in an emergency