Cheapest Car Insurance Quotes in Boutte

Finding the cheapest car insurance quotes in Boutte shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Boutte Car Insurance

^$ 42

/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 Boutte

The car insurance rate in Boutte is $1612 for a six-month policy, which is $105 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $521, making it a popular choice for budget-conscious drivers. Rates in Boutte 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 Boutte

$1612

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Boutte

1st place: Louisiana Farm Bureau

At $521 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 $1137 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 $1182 for six months, making it the third cheapest auto insurance company in Boutte.

Boutte Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Boutte, LA is Louisiana Farm Bureau, offering policies at just $521 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1137.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2301 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Boutte drivers find the best deals.

Cheap Car Insurance Companies in Boutte, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$521	$87
Farm Bureau	$1137	$192
Southern Farm Bureau	$1182	$197
USAA	$1538	$259
Progressive	$1691	$285
State Farm	$1792	$302
Safeway	$1881	$317
SafeAuto	$2021	$343
Encompass	$2066	$345
Allstate	$2301	$387

Key Takeaways

Way's key takeaways about car insurance in Boutte

The auto insurance costs in Boutte fall around $521 for six months.
The cheapest auto insurance company in Boutte is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Boutte at $134 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Boutte

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 Boutte are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Boutte. Their Average 6 Month Premium is $248. AAA is the most expensive at $515 for the same period.

Cheapest Liability Coverage in Boutte, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$248	$42
Farm Bureau	$387	$65
Southern Farm Bureau	$413	$68
State Farm	$508	$86
USAA	$508	$86
Progressive	$534	$90
Allstate	$692	$117
SafeAuto	$724	$123
Safeway	$763	$128
AAA	$515	$86

Cheapest Full Coverage Car Insurance in Boutte

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 Boutte is Louisiana Farm Bureau at $87 per month and $521 for six months.

Cheapest Full Coverage Car Insurance Quotes in Boutte, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$521	$87
Farm Bureau	$1137	$192
Southern Farm Bureau	$1182	$197
USAA	$1538	$259
Progressive	$1691	$285
State Farm	$1792	$302
Safeway	$1881	$317
SafeAuto	$2021	$343
Encompass	$2066	$345
Allstate	$2301	$387

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Boutte Instantly!

Average Car Insurance in Boutte 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 Boutte, LA increasing?

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

Car Insurance Premiums by Age in Boutte

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	$1068
30s	USAA	$867
40s	USAA	$798
50s	USAA	$763
60s	USAA	$814
70s	USAA	$835

Cheapest Car Insurance Rates for Teen Drivers in Boutte,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 Boutte at $67 per month. At $789 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	$407	$67
Farm Bureau	$1786	$304
State Farm	$2294	$386
USAA	$2911	$495
Safeway	$4430	$738
Allstate	$4760	$809
Progressive	$5033	$847
AAA	$789	$134

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 Boutte.

As young drivers face the highest rates in Boutte, USAA offers the cheapest auto insurance rates at $1068 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 Boutte, Louisiana Farm Bureau is the cheapest car insurance provider. At $445 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 Boutte is State Farm, offering rates of around $6946 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$445	$76
Allstate	$1576	$263
Farm Bureau	$1646	$280
Safeway	$1837	$306
Progressive	$1855	$312
USAA	$1926	$321
State Farm	$6946	$1181

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Boutte.

Car Insurance Rates with An Accident in Boutte

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

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

The cheapest car insurance companies after an at-fault accident in Boutte include Louisiana Farm Bureau and State Farm, offering $324 and $966, respectively. Allstate is an expensive provider with an average six-month premium of $1786.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$324	$54
State Farm	$966	$163
Farm Bureau	$1176	$196
USAA	$1323	$223
Progressive	$1418	$239
Safeway	$1627	$274
Allstate	$1786	$301

Boutte Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Boutte LA. For example, the car insurance in Boutte after a DUI increases to $1513 for a six month policy. While the rate increases by $438 for a six-month policy in the case of a speeding ticket.

Boutte auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1754	$292
One Med/PIP claim	$1754	$299
Two Med/PIP claims	$1773	$295
Not-at-fault accident	$1779	$303
One comp claim	$1786	$297
Two comp claims	$1850	$315
Failure to wear a seat belt	$2066	$345
Failure to show documents	$2091	$355
Child safety restraint	$2123	$354
Driving without lights	$2123	$361
Driving with expired registration	$2161	$361
Driving too slowly	$2192	$372
Speeding 11 - 15 MPH over limit	$2192	$366
Speeding 16 - 20 MPH over limit	$2192	$372
Speeding 6 - 10 MPH over limit	$2192	$366
Speeding in school zone	$2192	$372
In 65 MPH zone	$2199	$367
Cell phone violation	$2218	$377
Texting while driving	$2218	$370
Wrong way/wrong lane	$2218	$377
At-fault accident - less than $1000	$2231	$371
Failure to stop at a red light	$2231	$380
Failure to yield	$2231	$371
Following too closely	$2231	$380
Illegal turn	$2231	$371
Improper passing	$2231	$380
Passing school bus	$2250	$375
Speeding 21 - 25 MPH over limit	$2250	$383
Open container	$2313	$385
Operating a vehicle without permission	$2473	$421
At-fault accident - $1000-$2000	$2536	$423
At-fault accident - greater than $2000	$2536	$431
Reckless driving	$3063	$510
Refusal to submit to a chemical test	$3115	$530
DUI	$3267	$545
Racing	$3292	$560
Leaving scene of an accident/hit and run	$3318	$553
Driving with a suspended license	$3331	$566

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Boutte 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 Boutte.

The cheapest car insurance premiums in Boutte are offered by Louisiana Farm Bureau at $356 for a six-month policy. However, it can be as expensive as $865 with companies like AAA.

Boutte car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$356	$61
Farm Bureau	$1220	$203
Southern Farm Bureau	$1468	$249
Progressive	$1671	$281
USAA	$2276	$383
Safeway	$2281	$384
State Farm	$2345	$395
Allstate	$2847	$479
AAA	$865	$147

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 Boutte are offered by Louisiana Farm Bureau at $292. However, it can be as expensive as $2040 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Boutte after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$292	$49
State Farm	$992	$167
Farm Bureau	$1042	$178
Progressive	$1386	$233
USAA	$1526	$259
Safeway	$1881	$314
Allstate	$2040	$347

Car Insurance Price Trends in Boutte, Louisiana

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

The average cost of full coverage in the Boutte rose by $324 in December compared to $320 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 Boutte rose to $89 in December, compared to $81 in November. This represents an increase of $8 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Boutte?

The car insurance in Boutte is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Boutte?

The cheapest car insurance in Boutte is $87 per month for full coverage.

How much is car insurance in Boutte for teenagers?

Car insurance for teenagers costs $407 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 Boutte?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $271 per month to insure your car in Boutte.

Is car insurance expensive in Boutte?

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

What is the best car insurance in Boutte, LA?

The best car insurance company in Boutte LA is Louisiana Farm Bureau, offering $521 for a six-month policy.