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How much is car insurance in La Fayette?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $36 a month cheaper to insure your vehicle in La Fayette than it is in the rest of Georgia.
Similarly, car insurance rates in La Fayette are often favorable when viewed against the rest of the country. You can expect to pay about $11 less for your policy in La Fayette than in the rest of U.S.
These may be the average auto insurance rates for La Fayette, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for La Fayette so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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La Fayette Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up in La Fayette.
La Fayette Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. Male and female drivers in La Fayette, however, both pay around $69 a month for car insurance.
La Fayette Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in La Fayette with one accident will pay around $103 a month. Likewise, drivers with one ticket will be looking at a rate of around $84 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
La Fayette Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$67|
In La Fayette, the cheapest vehicles to insure are usually cars, with drivers paying around $68 per month for insurance.
SUV owners, on the other hand, typically pay around $72 per month, while truck and van drivers can expect to pay about $71 a month for auto insurance coverage.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In La Fayette, the most expensive vehicles to insure are vehicles four-to-five years old.
La Fayette Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Generally, those who are currently married will pay slightly less for auto insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in La Fayette, with married couples paying about $11 less per month.
La Fayette Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
One other element taken into consideration is your living situation. Homeowners in La Fayette can expect to pay around $2 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in La Fayette, GA
Recent trends in car insurance for La Fayette drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
Car insurance rates in La Fayette had been increasing from 2017-2018, but began to decrease in 2021. This trend has continued through the present where they reached a low of $51 per month.
How does La Fayette compare to neighboring areas?
Why are car insurance rates in La Fayette different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Access to off-street parking
- Total number of drivers
- Community regulations
- Road Safety (how many accidents each locality has)
- Prevalence of crime
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in La Fayette?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies providing coverage in La Fayette.
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La Fayette Auto Insurance FAQs
What factors affect car insurance quotes in La Fayette?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in La Fayette different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in La Fayette?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to La Fayette?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to La Fayette or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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