Cheapest Car Insurance Quotes in La Salle

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408,850 Policies Sold

La Salle Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in La Salle

The car insurance rate in La Salle is $1000 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in La Salle can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in La Salle

$1000

Avg. Car Insurance in Colorado

$1087

National Average

$1278

Cheapest Car Insurance Companies in La Salle

1st place: Colorado Farm Bureau

At $339 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $372 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $558 for six months, making it the third cheapest auto insurance company in La Salle.

La Salle Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in La Salle, CO is Colorado Farm Bureau, offering policies at just $339 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $372.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1574 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help La Salle drivers find the best deals.

Cheap Car Insurance Companies in La Salle, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$339	$58
American National P&C	$372	$62
Auto-Owners Insurance Co	$558	$95
Acuity	$606	$101
Colorado Farm Bureau Mutual	$732	$124
American Family	$885	$149
American National	$918	$156
State Farm	$1000	$168
USAA	$1017	$171
Farmers	$1175	$196
Progressive	$1273	$214
Allstate	$1580	$266
Nationwide	$1995	$339
Auto-Owners	$989	$165
Farm Bureau	$1574	$268

Key Takeaways

Way's key takeaways about car insurance in La Salle

The auto insurance costs in La Salle fall around $339 for six months.
The cheapest auto insurance company in La Salle is Colorado Farm Bureau.
Teen drivers pay the highest rate in La Salle at $550 per month.

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Cheapest Minimum Liability Car Insurance in La Salle

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in La Salle are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in La Salle. Their Average 6 Month Premium is $132. AutoOwners is the most expensive at $366 for the same period.

Cheapest Liability Coverage in La Salle, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$132	$22
American National P&C	$142	$24
American National	$169	$29
Colorado Farm Bureau Mutual	$202	$34
USAA	$224	$38
Auto-Owners Insurance Co	$257	$43
Farm Bureau	$262	$44
Acuity	$279	$47
State Farm	$295	$50
Progressive	$306	$52
American Family	$317	$53
Farmers	$377	$64
Allstate	$580	$98
Nationwide	$606	$103
Auto-Owners	$366	$61

Cheapest Full Coverage Car Insurance in La Salle

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in La Salle is Colorado Farm Bureau at $58 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in La Salle, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$339	$58
American National P&C	$372	$62
Auto-Owners Insurance Co	$558	$95
Acuity	$606	$101
Colorado Farm Bureau Mutual	$732	$124
American Family	$885	$149
American National	$918	$156
State Farm	$1000	$168
USAA	$1017	$171
Farmers	$1175	$196
Progressive	$1273	$214
Allstate	$1580	$266
Nationwide	$1995	$339
Auto-Owners	$989	$165
Farm Bureau	$1574	$268

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Average Car Insurance in La Salle by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in La Salle, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in La Salle, Colorado, may be increasing due to several external factors. Colorado has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, La Salle's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in La Salle

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in La Salle,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the La Salle at $23 per month. At $3235 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$137	$23
American National P&C	$169	$29
California Casualty	$191	$32
Colorado Farm Bureau	$240	$40
Auto-Owners Insurance Co	$350	$60
USAA	$1268	$213
American Family	$1972	$332
State Farm	$2011	$339
Progressive	$2394	$403
Allstate	$4028	$672
Nationwide	$6366	$1083
Colorado Farm Bureau Mutual	$1251	$213
Farmers	$8071	$1359
Auto-Owners	$3235	$550

Teen Car Insurance Rates in CO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in La Salle, Colorado Farm Bureau is the cheapest car insurance provider. At $257 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in La Salle is AutoOwners, offering rates of around $2995 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$257	$43
Acuity	$394	$67
Farmers	$465	$77
American Family	$1279	$215
Progressive	$1694	$285
USAA	$1896	$322
Nationwide	$3028	$504
Allstate	$3361	$571
State Farm	$5848	$974
Auto-Owners	$2995	$509

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Car Insurance Rates with An Accident in La Salle

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In La Salle, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in La Salle

The cheapest car insurance companies after an at-fault accident in La Salle include Colorado Farm Bureau and American National, offering $164 and $191, respectively. AutoOwners is an expensive provider with an average six-month premium of $1645.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$164	$28
American National	$191	$32
American National P&C	$202	$34
Farm Bureau	$257	$43
California Casualty	$372	$62
State Farm	$710	$120
USAA	$814	$137
American Family	$1082	$182
Progressive	$1513	$255
Allstate	$3104	$528
Nationwide	$3498	$583
Colorado Farm Bureau Mutual	$858	$146
Farmers	$3011	$507
Auto-Owners	$1645	$274

La Salle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in La Salle CO. For example, the car insurance in La Salle after a DUI increases to for a six month policy. While the rate increases by for a six-month policy in the case of a speeding ticket.

La Salle auto insurance quotes by violations

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in La Salle after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in La Salle.

The cheapest car insurance premiums in La Salle are offered by Colorado Farm Bureau at $191 for a six-month policy. However, it can be as expensive as $2044 with companies like AutoOwners.

La Salle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$191	$32
American National	$202	$34
American National P&C	$229	$39
Farm Bureau	$301	$50
Farmers	$454	$77
Progressive	$918	$155
State Farm	$1110	$187
USAA	$1180	$199
American Family	$1251	$211
Allstate	$2662	$443
Nationwide	$4721	$803
Colorado Farm Bureau Mutual	$874	$149
Auto-Owners	$2044	$348

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in La Salle are offered by American National P&C at $169. However, it can be as expensive as $1028 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in La Salle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$169	$29
Colorado Farm Bureau	$175	$29
Auto-Owners Insurance Co	$279	$46
State Farm	$836	$141
American Family	$885	$149
USAA	$1175	$200
Progressive	$1361	$229
Allstate	$2214	$376
Nationwide	$2885	$481
Farmers	$3766	$640
Auto-Owners	$1028	$175

Car Insurance Price Trends in La Salle, Colorado

Car insurance rates in La Salle have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the La Salle dipped by $206 in March compared to $239 of February. In other words, there has been an decrease by $33 when you compare March and February.

The average cost of liability insurance in the La Salle rose to $50 in March, compared to $44 in February. This represents an increase of $6 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in La Salle?

The car insurance in La Salle is $22 per month, which is lower than the national average.

What is the cheapest car insurance in La Salle?

The cheapest car insurance in La Salle is $58 per month for full coverage.

How much is car insurance in La Salle for teenagers?

Car insurance for teenagers costs $137 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in La Salle?

The average cost of car insurance is $1087 for a six-month policy. It will cost around $168 per month to insure your car in La Salle.

Is car insurance expensive in La Salle?

Car insurance can be expensive in La Salle if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in La Salle can be affordable.

What is the best car insurance in La Salle, CO?

The best car insurance company in La Salle CO is Colorado Farm Bureau, offering $339 for a six-month policy.