Cheapest Car Insurance Quotes in Bogalusa

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Bogalusa Car Insurance

^$ 39

/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 Bogalusa

The car insurance rate in Bogalusa is $1522 for a six-month policy, which is $15 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $492, making it a popular choice for budget-conscious drivers. Rates in Bogalusa 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 Bogalusa

$1522

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Bogalusa

1st place: Louisiana Farm Bureau

At $492 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 $1074 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 $1116 for six months, making it the third cheapest auto insurance company in Bogalusa.

Bogalusa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bogalusa, LA is Louisiana Farm Bureau, offering policies at just $492 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1074.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2172 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bogalusa drivers find the best deals.

Cheap Car Insurance Companies in Bogalusa, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$492	$82
Farm Bureau	$1074	$181
Southern Farm Bureau	$1116	$186
USAA	$1451	$244
Progressive	$1596	$269
State Farm	$1692	$285
Safeway	$1776	$299
SafeAuto	$1908	$324
Encompass	$1950	$325
Allstate	$2172	$366

Key Takeaways

Way's key takeaways about car insurance in Bogalusa

The auto insurance costs in Bogalusa fall around $492 for six months.
The cheapest auto insurance company in Bogalusa is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Bogalusa at $126 per month.

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Cheapest Minimum Liability Car Insurance in Bogalusa

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 Bogalusa are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Bogalusa. Their Average 6 Month Premium is $234. AAA is the most expensive at $486 for the same period.

Cheapest Liability Coverage in Bogalusa, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$234	$39
Farm Bureau	$366	$62
Southern Farm Bureau	$390	$65
State Farm	$480	$81
USAA	$480	$81
Progressive	$504	$85
Allstate	$653	$110
SafeAuto	$684	$116
Safeway	$720	$121
AAA	$486	$81

Cheapest Full Coverage Car Insurance in Bogalusa

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 Bogalusa is Louisiana Farm Bureau at $82 per month and $492 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bogalusa, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$492	$82
Farm Bureau	$1074	$181
Southern Farm Bureau	$1116	$186
USAA	$1451	$244
Progressive	$1596	$269
State Farm	$1692	$285
Safeway	$1776	$299
SafeAuto	$1908	$324
Encompass	$1950	$325
Allstate	$2172	$366

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Average Car Insurance in Bogalusa 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 Bogalusa, LA increasing?

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

Car Insurance Premiums by Age in Bogalusa

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	$1008
30s	USAA	$818
40s	USAA	$753
50s	USAA	$720
60s	USAA	$769
70s	USAA	$788

Cheapest Car Insurance Rates for Teen Drivers in Bogalusa,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 Bogalusa at $64 per month. At $744 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	$384	$64
Farm Bureau	$1686	$287
State Farm	$2165	$365
USAA	$2748	$468
Safeway	$4181	$697
Allstate	$4493	$764
Progressive	$4751	$800
AAA	$744	$126

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 Bogalusa.

As young drivers face the highest rates in Bogalusa, USAA offers the cheapest auto insurance rates at $1008 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 Bogalusa, Louisiana Farm Bureau is the cheapest car insurance provider. At $420 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 Bogalusa is State Farm, offering rates of around $6557 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$420	$72
Allstate	$1488	$248
Farm Bureau	$1553	$265
Safeway	$1734	$289
Progressive	$1751	$295
USAA	$1818	$303
State Farm	$6557	$1115

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Car Insurance Rates with An Accident in Bogalusa

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

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

The cheapest car insurance companies after an at-fault accident in Bogalusa include Louisiana Farm Bureau and State Farm, offering $306 and $912, respectively. Allstate is an expensive provider with an average six-month premium of $1686.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$306	$51
State Farm	$912	$154
Farm Bureau	$1110	$185
USAA	$1248	$210
Progressive	$1338	$225
Safeway	$1536	$259
Allstate	$1686	$284

Bogalusa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bogalusa LA. For example, the car insurance in Bogalusa after a DUI increases to $1429 for a six month policy. While the rate increases by $414 for a six-month policy in the case of a speeding ticket.

Bogalusa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1655	$276
One Med/PIP claim	$1655	$282
Two Med/PIP claims	$1674	$279
Not-at-fault accident	$1680	$286
One comp claim	$1686	$281
Two comp claims	$1746	$297
Failure to wear a seat belt	$1950	$325
Failure to show documents	$1974	$335
Child safety restraint	$2004	$334
Driving without lights	$2004	$340
Driving with expired registration	$2040	$340
Driving too slowly	$2069	$351
Speeding 11 - 15 MPH over limit	$2069	$345
Speeding 16 - 20 MPH over limit	$2069	$351
Speeding 6 - 10 MPH over limit	$2069	$345
Speeding in school zone	$2069	$351
In 65 MPH zone	$2076	$346
Cell phone violation	$2094	$356
Texting while driving	$2094	$349
Wrong way/wrong lane	$2094	$356
At-fault accident - less than $1000	$2106	$350
Failure to stop at a red light	$2106	$359
Failure to yield	$2106	$350
Following too closely	$2106	$359
Illegal turn	$2106	$350
Improper passing	$2106	$359
Passing school bus	$2124	$354
Speeding 21 - 25 MPH over limit	$2124	$362
Open container	$2184	$364
Operating a vehicle without permission	$2334	$397
At-fault accident - $1000-$2000	$2394	$399
At-fault accident - greater than $2000	$2394	$407
Reckless driving	$2892	$482
Refusal to submit to a chemical test	$2940	$500
DUI	$3084	$514
Racing	$3108	$528
Leaving scene of an accident/hit and run	$3132	$522
Driving with a suspended license	$3144	$534

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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 Bogalusa 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 Bogalusa.

The cheapest car insurance premiums in Bogalusa are offered by Louisiana Farm Bureau at $336 for a six-month policy. However, it can be as expensive as $816 with companies like AAA.

Bogalusa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$336	$58
Farm Bureau	$1151	$192
Southern Farm Bureau	$1386	$235
Progressive	$1578	$266
USAA	$2148	$362
Safeway	$2153	$363
State Farm	$2214	$373
Allstate	$2688	$452
AAA	$816	$138

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 Bogalusa are offered by Louisiana Farm Bureau at $276. However, it can be as expensive as $1926 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bogalusa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$276	$46
State Farm	$936	$158
Farm Bureau	$984	$168
Progressive	$1308	$220
USAA	$1440	$244
Safeway	$1776	$296
Allstate	$1926	$327

Car Insurance Price Trends in Bogalusa, Louisiana

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

The average cost of full coverage in the Bogalusa rose by $306 in December compared to $302 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 Bogalusa rose to $84 in December, compared to $77 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 Bogalusa?

The car insurance in Bogalusa is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Bogalusa?

The cheapest car insurance in Bogalusa is $82 per month for full coverage.

How much is car insurance in Bogalusa for teenagers?

Car insurance for teenagers costs $384 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 Bogalusa?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $256 per month to insure your car in Bogalusa.

Is car insurance expensive in Bogalusa?

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

What is the best car insurance in Bogalusa, LA?

The best car insurance company in Bogalusa LA is Louisiana Farm Bureau, offering $492 for a six-month policy.