Cheapest Car Insurance Quotes in Bayou Cane

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Bayou Cane Car Insurance

^$ 37

/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 Bayou Cane

The car insurance rate in Bayou Cane is $1589 for a six-month policy, which is $101 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $458, making it a popular choice for budget-conscious drivers. Rates in Bayou Cane 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 Bayou Cane

$1589

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Bayou Cane

1st place: Louisiana Farm Bureau

At $458 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1039 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1379 for six months, making it the third cheapest auto insurance company in Bayou Cane.

Bayou Cane Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bayou Cane, LA is Louisiana Farm Bureau, offering policies at just $458 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1039.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2228 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bayou Cane drivers find the best deals.

Cheap Car Insurance Companies in Bayou Cane, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$458	$78
Southern Farm Bureau	$1039	$173
USAA	$1379	$232
Progressive	$1552	$261
Farm Bureau	$1620	$273
State Farm	$1709	$288
Safeway	$1747	$294
SafeAuto	$1776	$296
Encompass	$1815	$308
Allstate	$2161	$364
AAA	$2228	$379

Key Takeaways

Way's key takeaways about car insurance in Bayou Cane

The auto insurance costs in Bayou Cane fall around $458 for six months.
The cheapest auto insurance company in Bayou Cane is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Bayou Cane at $1125 per month.

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Cheapest Minimum Liability Car Insurance in Bayou Cane

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 Bayou Cane are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Bayou Cane. Their Average 6 Month Premium is $218. Safeway is the most expensive at $682 for the same period.

Cheapest Liability Coverage in Bayou Cane, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$218	$37
Southern Farm Bureau	$363	$62
USAA	$458	$77
Progressive	$469	$79
State Farm	$492	$83
Farm Bureau	$564	$95
AAA	$581	$97
Allstate	$587	$99
SafeAuto	$636	$106
Safeway	$682	$115

Cheapest Full Coverage Car Insurance in Bayou Cane

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 Bayou Cane is Louisiana Farm Bureau at $78 per month and $458 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bayou Cane, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$458	$78
Southern Farm Bureau	$1039	$173
USAA	$1379	$232
Progressive	$1552	$261
Farm Bureau	$1620	$273
State Farm	$1709	$288
Safeway	$1747	$294
SafeAuto	$1776	$296
Encompass	$1815	$308
Allstate	$2161	$364
AAA	$2228	$379

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Average Car Insurance in Bayou Cane 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 Bayou Cane, LA increasing?

Despite maintaining a clean driving record, your car insurance rates in Bayou Cane, 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, Bayou Cane's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bayou Cane

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	$938
30s	USAA	$761
40s	USAA	$701
50s	USAA	$670
60s	USAA	$715
70s	USAA	$733

Cheapest Car Insurance Rates for Teen Drivers in Bayou Cane,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 Bayou Cane at $59 per month. At $6617 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	$357	$59
State Farm	$2719	$458
USAA	$2904	$484
Safeway	$4439	$755
Allstate	$4936	$823
Progressive	$5126	$863
Farm Bureau	$5807	$968
AAA	$6617	$1125

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 Bayou Cane.

As young drivers face the highest rates in Bayou Cane, USAA offers the cheapest auto insurance rates at $938 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 Bayou Cane, Louisiana Farm Bureau is the cheapest car insurance provider. At $391 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 Bayou Cane is State Farm, offering rates of around $8700 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$391	$67
Allstate	$1664	$277
Progressive	$1865	$314
USAA	$1893	$316
Safeway	$1899	$322
Farm Bureau	$3601	$601
AAA	$6321	$1074
State Farm	$8700	$1449

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Car Insurance Rates with An Accident in Bayou Cane

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bayou Cane

The cheapest car insurance companies after an at-fault accident in Bayou Cane include Louisiana Farm Bureau and State Farm, offering $285 and $1117, respectively. AAA is an expensive provider with an average six-month premium of $3568.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$285	$47
State Farm	$1117	$188
USAA	$1257	$212
Progressive	$1379	$232
Safeway	$1608	$271
Farm Bureau	$1742	$296
Allstate	$1770	$298
AAA	$3568	$606

Bayou Cane Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bayou Cane LA. For example, the car insurance in Bayou Cane after a DUI increases to $1329 for a six month policy. While the rate increases by $385 for a six-month policy in the case of a speeding ticket.

Bayou Cane auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1541	$257
One Med/PIP claim	$1541	$262
Two Med/PIP claims	$1558	$259
Not-at-fault accident	$1563	$266
One comp claim	$1569	$261
Two comp claims	$1625	$276
Failure to wear a seat belt	$1815	$303
Failure to show documents	$1837	$312
Child safety restraint	$1865	$311
Driving without lights	$1865	$317
Driving with expired registration	$1899	$317
Driving too slowly	$1926	$327
Speeding 11 - 15 MPH over limit	$1926	$321
Speeding 16 - 20 MPH over limit	$1926	$327
Speeding 6 - 10 MPH over limit	$1926	$321
Speeding in school zone	$1926	$327
In 65 MPH zone	$1932	$322
Cell phone violation	$1949	$331
Texting while driving	$1949	$325
Wrong way/wrong lane	$1949	$331
At-fault accident - less than $1000	$1960	$326
Failure to stop at a red light	$1960	$334
Failure to yield	$1960	$326
Following too closely	$1960	$334
Illegal turn	$1960	$326
Improper passing	$1960	$334
Passing school bus	$1977	$329
Speeding 21 - 25 MPH over limit	$1977	$337
Open container	$2032	$338
Operating a vehicle without permission	$2172	$369
At-fault accident - $1000-$2000	$2228	$371
At-fault accident - greater than $2000	$2228	$379
Reckless driving	$2691	$448
Refusal to submit to a chemical test	$2736	$465
DUI	$2870	$478
Racing	$2892	$492
Leaving scene of an accident/hit and run	$2915	$486
Driving with a suspended license	$2926	$497

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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 Bayou Cane 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 Bayou Cane.

The cheapest car insurance premiums in Bayou Cane are offered by Louisiana Farm Bureau at $313 for a six-month policy. However, it can be as expensive as $3300 with companies like AAA.

Bayou Cane car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$313	$52
Southern Farm Bureau	$1290	$219
Progressive	$1575	$265
Farm Bureau	$1742	$296
USAA	$2127	$358
Safeway	$2200	$370
State Farm	$2452	$413
Allstate	$2691	$453
AAA	$3300	$550

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 Bayou Cane are offered by Louisiana Farm Bureau at $257. However, it can be as expensive as $3099 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Bayou Cane after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$257	$43
State Farm	$1151	$194
Progressive	$1390	$234
USAA	$1508	$257
Farm Bureau	$1742	$290
Safeway	$1937	$329
Allstate	$2167	$361
AAA	$3099	$527

Car Insurance Price Trends in Bayou Cane, Louisiana

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

The average cost of full coverage in the Bayou Cane rose by $350 in January compared to $286 of December. In other words, there has been an increase by $64 when you compare January and December.

The average cost of liability insurance in the Bayou Cane rose to $84 in January, compared to $80 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bayou Cane?

The car insurance in Bayou Cane is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Bayou Cane?

The cheapest car insurance in Bayou Cane is $78 per month for full coverage.

How much is car insurance in Bayou Cane for teenagers?

Car insurance for teenagers costs $357 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 Bayou Cane?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $267 per month to insure your car in Bayou Cane.

Is car insurance expensive in Bayou Cane?

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

What is the best car insurance in Bayou Cane, LA?

The best car insurance company in Bayou Cane LA is Louisiana Farm Bureau, offering $458 for a six-month policy.