Lafayette has 121,715 residents in 52,966 households. We list 16 agencies for life insurance in Lafayette. Here is what the local numbers say about the cover people here need.

Lafayette at a glance

16life insurance agencies listed
46.9%of households rentRenters insurance
$257,000median home valueHome insurance
1981median year homes were builtRebuild cost calculator
8%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Lafayette Parish

FEMA rates the overall natural hazard risk in Lafayette Parish, where most Lafayette agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Lafayette
HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Lafayette
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Louisiana

Louisiana requires drivers to carry at least $15,000 of bodily injury liability per person, $30,000 per accident and $25,000 of property damage liability, often written 15/30/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Lafayette How much liability cover do you need?

Source: ldi.la.gov. Checked 2026-10-24.

Insurance companies Lafayette agencies work with

Of the 16 Lafayette agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare8 agencies
Blue Cross Blue Shield4 agencies
Medicare Advantage4 agencies
Mutual life carrier4 agencies
Aetna3 agencies
Humana3 agencies
National Pacific Dental,3 agencies
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY3 agencies
PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY3 agencies
Unum3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Lafayette agencies are

Lafayette agencies we list sit in 5 ZIP codes, mostly in Lafayette Parish.

705086 agencies
705034 agencies
705064 agencies
705011 agency
705021 agency

Questions

Life insurance in Lafayette

All insurance agencies in Lafayette · Life insurance across Louisiana

Where can I find life insurance in Lafayette?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Lafayette agencies work with?

Among the 16 Lafayette agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (8), Blue Cross Blue Shield (4), Medicare Advantage (4), Mutual life carrier (4), Aetna (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Lafayette?

FEMA's National Risk Index rates inland flooding risk in Lafayette Parish as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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