Car Insurance in Lafayette, LA

Have a good time in Cajun country, but be sure you have car insurance in Lafayette, LA.
Compare, shop and customize quotes from top-rated insurance carriers.

Vehicle Insurance for Happy People

Lafayette, Louisiana, is the place to go for music, dancing and delicious food. Because of its upbeat atmosphere, the Wall Street Journal recently named Lafayette the happiest city in America. Even so, you still need car insurance to protect your vehicle from all the unexpected events that might occur in this city of 247,866 people.

Lafayette is at the center of Lafayette Parish, or Acadiana, as locals call it. Here, you can park your car and sample authentic Cajun cuisine at multiple establishments. Before enjoying stew made from an alligator at Prejean's Restaurant, you can also take pictures with a 14-foot stuffed one near the entrance.

Spring is the most exciting time to be in Lafayette. Celebrations begin weeks prior to Fat Tuesday and culminate in a city-wide celebration on the actual date of Mardi Gras. However, you have to take precautions during this time because, in 2022, there were 33 car crashes in the 100 hours surrounding the holiday.

Reasons To Get Car Insurance in Lafayette, LA

Limited Public Transit

The Lafayette Transit Service has limited routes, especially at night and on Saturdays, and there is no bus service on Sundays. So, instead of enduring hour-long waits at bus stops, 91.5% of Lafayette workers opt to drive a car to work and therefore need auto insurance.

Car Crashes

Lafayette has more fatal car crashes for its population than any other city in Louisiana. In 2022, Layfayette car wrecks injured 4,422 people and killed 19. Unsafe actions by drivers, such as running red lights or tailgating, caused the majority of these accidents. Most happened on local highways rather than on Interstate 10 or Interstate 49 that run through the city.

Personal Liability

The laws in Louisiana specify that whichever driver causes a crash must foot the bills for any injuries. Besides medical bills, expenses might also include vehicle repair or replacement. Without car insurance in Lafayette, LA, you may end up paying court costs for causing even minor injuries to another driver if you are at fault.


Lafayette has a high crime rate, with 97% of US neighborhoods being safer places to live. In some parts of the city, you have a one in 572 chance of having someone steal your car. A good insurance policy will get you a rental car while you wait for the insurance company to replace your stolen vehicle.

Comparison Shopping With VIU by HUB

The average yearly cost of car insurance in Lafayette, LA, is $2,843. This rate is higher than the average for the country as a whole due to the unique risks in Lafayette. Individual premiums can vary based on some of the following factors:

  • Type of car
  • Age of driver
  • Driving record
  • Gender
  • Credit score

Rates also depend on which insurance provider you use, so it is wise to shop around before you buy.

You can save money on car insurance in Lafayette, LA, by using VIU by HUB to compare quotes before contacting insurance providers. After answering a few questions about your vehicle and your location, you can make a side-by-side comparison of what the available insurance companies have to offer.

Some drivers want only the bare minimum level of insurance to protect them in case of an accident. Others want additional coverage that includes features such as roadside assistance in case of a flat tire. Whatever your preference, VIU by HUB can simplify the process of evaluating your options for car insurance in Lafayette, LA.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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