Cheapest Car Insurance Quotes in Belle Rose

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Belle Rose Car Insurance

^$ 41

/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 Belle Rose

The car insurance rate in Belle Rose is $1582 for a six-month policy, which is $75 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $511, making it a popular choice for budget-conscious drivers. Rates in Belle Rose 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 Belle Rose

$1582

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Belle Rose

1st place: Louisiana Farm Bureau

At $511 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 $1116 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 $1160 for six months, making it the third cheapest auto insurance company in Belle Rose.

Belle Rose Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Belle Rose, LA is Louisiana Farm Bureau, offering policies at just $511 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1116.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2258 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Belle Rose drivers find the best deals.

Cheap Car Insurance Companies in Belle Rose, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$511	$85
Farm Bureau	$1116	$188
Southern Farm Bureau	$1160	$193
USAA	$1509	$254
Progressive	$1659	$279
State Farm	$1759	$296
Safeway	$1846	$311
SafeAuto	$1983	$337
Encompass	$2028	$338
Allstate	$2258	$380

Key Takeaways

Way's key takeaways about car insurance in Belle Rose

The auto insurance costs in Belle Rose fall around $511 for six months.
The cheapest auto insurance company in Belle Rose is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Belle Rose at $131 per month.

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Cheapest Minimum Liability Car Insurance in Belle Rose

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 Belle Rose are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Belle Rose. Their Average 6 Month Premium is $244. AAA is the most expensive at $505 for the same period.

Cheapest Liability Coverage in Belle Rose, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$244	$41
Farm Bureau	$380	$64
Southern Farm Bureau	$405	$67
State Farm	$499	$84
USAA	$499	$84
Progressive	$524	$88
Allstate	$679	$114
SafeAuto	$711	$121
Safeway	$749	$126
AAA	$505	$84

Cheapest Full Coverage Car Insurance in Belle Rose

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 Belle Rose is Louisiana Farm Bureau at $85 per month and $511 for six months.

Cheapest Full Coverage Car Insurance Quotes in Belle Rose, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$511	$85
Farm Bureau	$1116	$188
Southern Farm Bureau	$1160	$193
USAA	$1509	$254
Progressive	$1659	$279
State Farm	$1759	$296
Safeway	$1846	$311
SafeAuto	$1983	$337
Encompass	$2028	$338
Allstate	$2258	$380

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Average Car Insurance in Belle Rose 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 Belle Rose, LA increasing?

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

Car Insurance Premiums by Age in Belle Rose

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	$1048
30s	USAA	$851
40s	USAA	$783
50s	USAA	$749
60s	USAA	$799
70s	USAA	$819

Cheapest Car Insurance Rates for Teen Drivers in Belle Rose,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 Belle Rose at $66 per month. At $774 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	$399	$66
Farm Bureau	$1752	$298
State Farm	$2251	$379
USAA	$2857	$486
Safeway	$4347	$725
Allstate	$4671	$794
Progressive	$4939	$832
AAA	$774	$131

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 Belle Rose.

As young drivers face the highest rates in Belle Rose, USAA offers the cheapest auto insurance rates at $1048 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 Belle Rose, Louisiana Farm Bureau is the cheapest car insurance provider. At $437 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 Belle Rose is State Farm, offering rates of around $6817 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$437	$75
Allstate	$1547	$258
Farm Bureau	$1615	$275
Safeway	$1803	$300
Progressive	$1821	$307
USAA	$1890	$315
State Farm	$6817	$1159

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Car Insurance Rates with An Accident in Belle Rose

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

Cheapest Car Insurance Companies after an At-Fault Accident in Belle Rose

The cheapest car insurance companies after an at-fault accident in Belle Rose include Louisiana Farm Bureau and State Farm, offering $318 and $948, respectively. Allstate is an expensive provider with an average six-month premium of $1752.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$318	$53
State Farm	$948	$160
Farm Bureau	$1154	$192
USAA	$1298	$218
Progressive	$1391	$234
Safeway	$1597	$269
Allstate	$1752	$295

Belle Rose Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Belle Rose LA. For example, the car insurance in Belle Rose after a DUI increases to $1485 for a six month policy. While the rate increases by $430 for a six-month policy in the case of a speeding ticket.

Belle Rose auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1721	$287
One Med/PIP claim	$1721	$293
Two Med/PIP claims	$1740	$290
Not-at-fault accident	$1746	$297
One comp claim	$1752	$292
Two comp claims	$1815	$309
Failure to wear a seat belt	$2028	$338
Failure to show documents	$2052	$349
Child safety restraint	$2083	$348
Driving without lights	$2083	$354
Driving with expired registration	$2121	$354
Driving too slowly	$2151	$365
Speeding 11 - 15 MPH over limit	$2151	$359
Speeding 16 - 20 MPH over limit	$2151	$365
Speeding 6 - 10 MPH over limit	$2151	$359
Speeding in school zone	$2151	$365
In 65 MPH zone	$2158	$360
Cell phone violation	$2177	$370
Texting while driving	$2177	$363
Wrong way/wrong lane	$2177	$370
At-fault accident - less than $1000	$2189	$364
Failure to stop at a red light	$2189	$373
Failure to yield	$2189	$364
Following too closely	$2189	$373
Illegal turn	$2189	$364
Improper passing	$2189	$373
Passing school bus	$2208	$368
Speeding 21 - 25 MPH over limit	$2208	$376
Open container	$2270	$378
Operating a vehicle without permission	$2427	$413
At-fault accident - $1000-$2000	$2489	$415
At-fault accident - greater than $2000	$2489	$423
Reckless driving	$3006	$501
Refusal to submit to a chemical test	$3057	$520
DUI	$3206	$534
Racing	$3231	$549
Leaving scene of an accident/hit and run	$3256	$543
Driving with a suspended license	$3269	$555

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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 Belle Rose 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 Belle Rose.

The cheapest car insurance premiums in Belle Rose are offered by Louisiana Farm Bureau at $350 for a six-month policy. However, it can be as expensive as $848 with companies like AAA.

Belle Rose car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$350	$60
Farm Bureau	$1197	$200
Southern Farm Bureau	$1441	$245
Progressive	$1640	$276
USAA	$2233	$376
Safeway	$2239	$377
State Farm	$2302	$387
Allstate	$2794	$470
AAA	$848	$144

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 Belle Rose are offered by Louisiana Farm Bureau at $287. However, it can be as expensive as $2002 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Belle Rose after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$287	$48
State Farm	$973	$164
Farm Bureau	$1023	$174
Progressive	$1360	$229
USAA	$1497	$254
Safeway	$1846	$308
Allstate	$2002	$340

Car Insurance Price Trends in Belle Rose, Louisiana

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

The average cost of full coverage in the Belle Rose rose by $318 in December compared to $314 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Belle Rose rose to $87 in December, compared to $80 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Belle Rose?

The car insurance in Belle Rose is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Belle Rose?

The cheapest car insurance in Belle Rose is $85 per month for full coverage.

How much is car insurance in Belle Rose for teenagers?

Car insurance for teenagers costs $399 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 Belle Rose?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $266 per month to insure your car in Belle Rose.

Is car insurance expensive in Belle Rose?

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

What is the best car insurance in Belle Rose, LA?

The best car insurance company in Belle Rose LA is Louisiana Farm Bureau, offering $511 for a six-month policy.