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Cheap Car Insurance in Lafayette, Louisiana

Find cheap car insurance in Lafayette, a consolidated city-parish in south central Louisiana. Only 36 feet above sea level, Lafayette lies on the coastal plains, surrounded by wetlands to the south and west. The city is located on the Vermilion River, which meanders past the Vermilionville Historic Village, a Cajun and Creole living history museum with restored historic structures. In fact, the city was named Vermilionville when it was founded in 1821, but the name was later changed to Lafayette in 1884. Today, it’s the fourth largest city in Louisiana, with an estimated population of 127,626. For locals, crawfish season begins each February and live zydeco and jazz can be found year-round. Cajun Field, Lafayette’s football stadium, is nicknamed “the Swamp,” as it sits in a natural bowl two feet below sea level. The city also enjoys a lively Mardi Gras scene, with parades beginning two weeks before Fat Tuesday.

Driving Conditions in Lafayette

Interstate 10 running east to west goes through the northern portion of Lafayette, going directly to New Orleans to the east and to Lake Charles and Houston, Texas, to the west. Lafayette is the southern terminus for Interstate 49, which intersects with I-10. The roadway continues south as the Evangeline Throughway. New Orleans is about 150 miles away, while Lake Charles is about 75 miles east. A recent study suggests roads in two-thirds of major local and state roads in Louisiana are in poor to mediocre condition, and 13 percent of state bridges are structurally deficient. The average commute time for Lafayette, according to U.S. Census data, is only 20 minutes, nearly 6 minutes shorter than the national average. Current information on accidents, construction and weather-related delays is available by calling 511 or accessing 511la.org or brgov.com/traffic.

Unique Laws in Lafayette

Louisiana is the land of the drive-through liquor stores, where drivers can purchase daiquiris on the way home from work through a strange loophole in state laws. The catch is you can’t legally take a sip until you get out from behind the wheel. Also in Louisiana, a county is known as a parish; Lafayette is within – and is consolidated with – Lafayette Parish.

More obscure but entertaining Louisiana laws mandate jail or prison time for stealing an alligator or crawfish. The crawfish law refers to commercially grown, farm specimens that are worth more than $500. The alligator law refers to either a live or dead gator, taken by a person “with intent to deprive the other permanently of the alligator, the alligator's skin or part of an alligator.”

Lafayette Crime Statistics

FBI statistics compiled for 2016 show 641 violent crimes in Lafayette, 11 of which were murder or manslaughter. The local violent crime rate of 497 offenses per 100,000 residents is above the average U.S. violent crime rate of 386 per 100,000. The property crime rate in Lafayette was 4,977 incidents per 100,000 residents, also above the U.S. average of 2,451 crimes per 100,000 residents.

Within the city, 379 vehicles were stolen in 2016, FBI data shows, a rate of 293 per 100,000 residents. The national average is 236 incidents per 100,000 people.

Lafayette Safety Requirements

Drivers and all passengers in Louisiana must wear seat belts, according to state laws. The “Child Occupant Seatbelt Law” states children between the ages of 6 and 12 years old must be restrained by appropriate means – either a lap belt and shoulder harness or a booster seat. Louisiana bans texting or reading texts while driving, as well as cellphone use in a school zone.

Lafayette Impaired Driving Laws

Drivers can be charged with driving while intoxicated if they have a breath or blood alcohol content of .08 or more, even if their driving wasn't impaired, Louisiana laws state. A BAC of .08 is a standard measurement across the U.S. For those under 21, the penalties are the same for a BAC of .02. First offenders receive 2 days in jail or 32 hours community service, plus fines. No matter what your driving background, contact us to find cheap car insurance in Lafayette.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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