La Fayette, GA Car Insurance

Residents of La Fayette pay, on average, about $70 per month for car insurance. Check out our guide below to find out how much you'll pay.
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Are rates in La Fayette higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? What can La Fayette residents expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

How much is car insurance in La Fayette?

Area Average Monthly Car Insurance Premium
La Fayette$70
GA$106
United States$81

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.

If you're thinking of moving to La Fayette from out of state, you may still be in luck. You can expect to pay about $11 less for your policy in La Fayette than in the rest of United States.

Keep in mind that these are the average auto insurance rates for La Fayette, and that the rate you get could end up being something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

Don't worry, we've done the work for you and broken down average rates for La Fayette to help you get a more accurate idea of what you'll be charged for your policy. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$183
18-24$107
25-34$71
35-44$64
45-54Not Enough Data
55-64$61
65+$63

The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $44 more than someone who is retirement aged.

For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may rise again in La Fayette.

Average Car Insurance Rates by Gender

Gender Average
Male$70
Female$70

In general, women pay slightly less for car insurance than men. In La Fayette, however, male and female drivers both pay about the same rate for auto insurance.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$106
Multiple Accidents$130
1 Ticket$84
Multiple Tickets$92

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in La Fayette with one accident will pay around $106 a month. Similarly, drivers with one ticket will typically pay around $84 on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$78
2-3 Years$62
4-5 Years$86
6-7 Years$62
8-10 Years$76
11-14 Years$72
15 Years or Older$68

In terms of affordable coverage, the cheapest vehicles to insure in La Fayette are by and large cars, at $68 per month.

SUV owners will see rates of about $73, while truck and van owners usually pay around $72 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few 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.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$74
Married$63
Divorced$66
Widowed$63

Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. La Fayette follows that pattern, with the difference totaling to around $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$67
Rent$70
Live with parents$82

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than those who own their own home in La Fayette. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in La Fayette, GA

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In La Fayette, the rates for car insurance increased from 2017-2018, but leveled out in 2021. Rates have been decreasing since then and recently reached a low of $52 a month in 2022.

How does La Fayette compare to neighboring areas?

Why are car insurance rates in La Fayette different from other areas?

Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Off-street parking access
  • Number of drivers in the region
  • Road safety
  • Rate of crime
  • Community laws

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in La Fayette?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in La Fayette.


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La Fayette 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 gender and age but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in La Fayette different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to La Fayette?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to La Fayette or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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