Cheapest Car Insurance Quotes in Barataria

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Barataria Car Insurance

^$ 49

/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 Barataria

The car insurance rate in Barataria is $1899 for a six-month policy, which is $392 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $614, making it a popular choice for budget-conscious drivers. Rates in Barataria 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 Barataria

$1899

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Barataria

1st place: Louisiana Farm Bureau

At $614 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Farm Bureau

Farm Bureau offers auto insurance rates at $1339 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1392 for six months, making it the third cheapest auto insurance company in Barataria.

Barataria Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Barataria, LA is Louisiana Farm Bureau, offering policies at just $614 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1339.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2709 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Barataria drivers find the best deals.

Cheap Car Insurance Companies in Barataria, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$614	$102
Farm Bureau	$1339	$226
Southern Farm Bureau	$1392	$232
USAA	$1811	$305
Progressive	$1991	$335
State Farm	$2111	$355
Safeway	$2215	$373
SafeAuto	$2380	$404
Encompass	$2433	$406
Allstate	$2709	$456

Key Takeaways

Way's key takeaways about car insurance in Barataria

The auto insurance costs in Barataria fall around $614 for six months.
The cheapest auto insurance company in Barataria is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Barataria at $158 per month.

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Cheapest Minimum Liability Car Insurance in Barataria

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 Barataria are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Barataria. Their Average 6 Month Premium is $292. AAA is the most expensive at $606 for the same period.

Cheapest Liability Coverage in Barataria, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$292	$49
Farm Bureau	$456	$77
Southern Farm Bureau	$486	$81
State Farm	$599	$101
USAA	$599	$101
Progressive	$629	$106
Allstate	$815	$137
SafeAuto	$853	$145
Safeway	$898	$151
AAA	$606	$101

Cheapest Full Coverage Car Insurance in Barataria

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 Barataria is Louisiana Farm Bureau at $102 per month and $614 for six months.

Cheapest Full Coverage Car Insurance Quotes in Barataria, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$614	$102
Farm Bureau	$1339	$226
Southern Farm Bureau	$1392	$232
USAA	$1811	$305
Progressive	$1991	$335
State Farm	$2111	$355
Safeway	$2215	$373
SafeAuto	$2380	$404
Encompass	$2433	$406
Allstate	$2709	$456

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Average Car Insurance in Barataria 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 Barataria, LA increasing?

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

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

Car Insurance Premiums by Age in Barataria

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$1257
30s	USAA	$1021
40s	USAA	$940
50s	USAA	$898
60s	USAA	$959
70s	USAA	$983

Cheapest Car Insurance Rates for Teen Drivers in Barataria,LA

If you are planning to get a car insurance policy for your teenage dependent, Louisiana Farm Bureau provides the cheapest car insurance in the Barataria at $79 per month. At $929 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$479	$79
Farm Bureau	$2103	$358
State Farm	$2701	$455
USAA	$3428	$583
Safeway	$5216	$869
Allstate	$5606	$953
Progressive	$5927	$998
AAA	$929	$158

Teen Car Insurance Rates in LA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Barataria.

As young drivers face the highest rates in Barataria, USAA offers the cheapest auto insurance rates at $1257 for six months.

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 Barataria, Louisiana Farm Bureau is the cheapest car insurance provider. At $524 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 Barataria is State Farm, offering rates of around $8180 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$524	$89
Allstate	$1856	$310
Farm Bureau	$1938	$330
Safeway	$2163	$360
Progressive	$2185	$368
USAA	$2268	$378
State Farm	$8180	$1391

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Car Insurance Rates with An Accident in Barataria

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 Barataria, LA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Barataria

The cheapest car insurance companies after an at-fault accident in Barataria include Louisiana Farm Bureau and State Farm, offering $382 and $1138, respectively. Allstate is an expensive provider with an average six-month premium of $2103.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$382	$63
State Farm	$1138	$192
Farm Bureau	$1385	$231
USAA	$1557	$262
Progressive	$1670	$281
Safeway	$1916	$323
Allstate	$2103	$354

Barataria Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Barataria LA. For example, the car insurance in Barataria after a DUI increases to $1782 for a six month policy. While the rate increases by $517 for a six-month policy in the case of a speeding ticket.

Barataria auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2065	$344
One Med/PIP claim	$2065	$352
Two Med/PIP claims	$2088	$348
Not-at-fault accident	$2095	$357
One comp claim	$2103	$350
Two comp claims	$2179	$370
Failure to wear a seat belt	$2433	$406
Failure to show documents	$2462	$418
Child safety restraint	$2500	$417
Driving without lights	$2500	$425
Driving with expired registration	$2545	$425
Driving too slowly	$2582	$438
Speeding 11 - 15 MPH over limit	$2582	$431
Speeding 16 - 20 MPH over limit	$2582	$438
Speeding 6 - 10 MPH over limit	$2582	$431
Speeding in school zone	$2582	$438
In 65 MPH zone	$2589	$432
Cell phone violation	$2612	$444
Texting while driving	$2612	$436
Wrong way/wrong lane	$2612	$444
At-fault accident - less than $1000	$2627	$437
Failure to stop at a red light	$2627	$447
Failure to yield	$2627	$437
Following too closely	$2627	$447
Illegal turn	$2627	$437
Improper passing	$2627	$447
Passing school bus	$2650	$441
Speeding 21 - 25 MPH over limit	$2650	$451
Open container	$2724	$454
Operating a vehicle without permission	$2912	$495
At-fault accident - $1000-$2000	$2986	$498
At-fault accident - greater than $2000	$2986	$508
Reckless driving	$3607	$601
Refusal to submit to a chemical test	$3668	$624
DUI	$3847	$641
Racing	$3877	$659
Leaving scene of an accident/hit and run	$3907	$651
Driving with a suspended license	$3922	$667

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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 Barataria 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 Barataria.

The cheapest car insurance premiums in Barataria are offered by Louisiana Farm Bureau at $420 for a six-month policy. However, it can be as expensive as $1018 with companies like AAA.

Barataria car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$420	$72
Farm Bureau	$1436	$239
Southern Farm Bureau	$1729	$294
Progressive	$1968	$331
USAA	$2680	$451
Safeway	$2686	$452
State Farm	$2762	$465
Allstate	$3353	$564
AAA	$1018	$173

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 Barataria are offered by Louisiana Farm Bureau at $344. However, it can be as expensive as $2403 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Barataria after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$344	$58
State Farm	$1168	$197
Farm Bureau	$1227	$209
Progressive	$1632	$275
USAA	$1797	$305
Safeway	$2215	$369
Allstate	$2403	$408

Car Insurance Price Trends in Barataria, Louisiana

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

The average cost of full coverage in the Barataria rose by $382 in December compared to $377 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Barataria rose to $105 in December, compared to $96 in November. This represents an increase of $9 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Barataria?

The car insurance in Barataria is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Barataria?

The cheapest car insurance in Barataria is $102 per month for full coverage.

How much is car insurance in Barataria for teenagers?

Car insurance for teenagers costs $479 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 Barataria?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $319 per month to insure your car in Barataria.

Is car insurance expensive in Barataria?

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

What is the best car insurance in Barataria, LA?

The best car insurance company in Barataria LA is Louisiana Farm Bureau, offering $614 for a six-month policy.