Cheapest Car Insurance Quotes in Bridge City

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Bridge City Car Insurance

^$ 53

/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 Bridge City

The car insurance rate in Bridge City is $2315 for a six-month policy, which is $625 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $667, making it a popular choice for budget-conscious drivers. Rates in Bridge City 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 Bridge City

$2315

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Bridge City

1st place: Louisiana Farm Bureau

At $667 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 $1514 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $2010 for six months, making it the third cheapest auto insurance company in Bridge City.

Bridge City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bridge City, LA is Louisiana Farm Bureau, offering policies at just $667 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1514.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $3247 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bridge City drivers find the best deals.

Cheap Car Insurance Companies in Bridge City, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$667	$114
Southern Farm Bureau	$1514	$252
USAA	$2010	$338
Progressive	$2262	$381
Farm Bureau	$2361	$397
State Farm	$2491	$419
Safeway	$2547	$429
SafeAuto	$2588	$432
Encompass	$2645	$449
Allstate	$3150	$530
AAA	$3247	$552

Key Takeaways

Way's key takeaways about car insurance in Bridge City

The auto insurance costs in Bridge City fall around $667 for six months.
The cheapest auto insurance company in Bridge City is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Bridge City at $1640 per month.

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Cheapest Minimum Liability Car Insurance in Bridge City

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 Bridge City are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Bridge City. Their Average 6 Month Premium is $318. Safeway is the most expensive at $993 for the same period.

Cheapest Liability Coverage in Bridge City, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$318	$53
Southern Farm Bureau	$529	$90
USAA	$667	$112
Progressive	$684	$115
State Farm	$717	$121
Farm Bureau	$822	$138
AAA	$847	$141
Allstate	$855	$144
SafeAuto	$927	$155
Safeway	$993	$167

Cheapest Full Coverage Car Insurance in Bridge City

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 Bridge City is Louisiana Farm Bureau at $114 per month and $667 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bridge City, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$667	$114
Southern Farm Bureau	$1514	$252
USAA	$2010	$338
Progressive	$2262	$381
Farm Bureau	$2361	$397
State Farm	$2491	$419
Safeway	$2547	$429
SafeAuto	$2588	$432
Encompass	$2645	$449
Allstate	$3150	$530
AAA	$3247	$552

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Average Car Insurance in Bridge City 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 Bridge City, LA increasing?

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

Car Insurance Premiums by Age in Bridge City

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	$1367
30s	USAA	$1110
40s	USAA	$1022
50s	USAA	$977
60s	USAA	$1043
70s	USAA	$1069

Cheapest Car Insurance Rates for Teen Drivers in Bridge City,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 Bridge City at $86 per month. At $9643 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	$521	$86
State Farm	$3963	$667
USAA	$4232	$706
Safeway	$6469	$1100
Allstate	$7194	$1199
Progressive	$7471	$1258
Farm Bureau	$8464	$1411
AAA	$9643	$1640

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 Bridge City.

As young drivers face the highest rates in Bridge City, USAA offers the cheapest auto insurance rates at $1367 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 Bridge City, Louisiana Farm Bureau is the cheapest car insurance provider. At $570 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 Bridge City is State Farm, offering rates of around $12679 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$570	$97
Allstate	$2425	$404
Progressive	$2718	$458
USAA	$2759	$460
Safeway	$2767	$470
Farm Bureau	$5248	$875
AAA	$9212	$1566
State Farm	$12679	$2113

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Car Insurance Rates with An Accident in Bridge City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bridge City

The cheapest car insurance companies after an at-fault accident in Bridge City include Louisiana Farm Bureau and State Farm, offering $415 and $1628, respectively. AAA is an expensive provider with an average six-month premium of $5201.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$415	$69
State Farm	$1628	$274
USAA	$1832	$308
Progressive	$2010	$338
Safeway	$2344	$395
Farm Bureau	$2539	$432
Allstate	$2580	$434
AAA	$5201	$884

Bridge City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bridge City LA. For example, the car insurance in Bridge City after a DUI increases to $1938 for a six month policy. While the rate increases by $562 for a six-month policy in the case of a speeding ticket.

Bridge City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2245	$374
One Med/PIP claim	$2245	$382
Two Med/PIP claims	$2270	$378
Not-at-fault accident	$2278	$388
One comp claim	$2287	$381
Two comp claims	$2369	$403
Failure to wear a seat belt	$2645	$441
Failure to show documents	$2677	$455
Child safety restraint	$2718	$453
Driving without lights	$2718	$462
Driving with expired registration	$2767	$462
Driving too slowly	$2807	$477
Speeding 11 - 15 MPH over limit	$2807	$469
Speeding 16 - 20 MPH over limit	$2807	$477
Speeding 6 - 10 MPH over limit	$2807	$469
Speeding in school zone	$2807	$477
In 65 MPH zone	$2815	$470
Cell phone violation	$2840	$482
Texting while driving	$2840	$474
Wrong way/wrong lane	$2840	$482
At-fault accident - less than $1000	$2856	$475
Failure to stop at a red light	$2856	$486
Failure to yield	$2856	$475
Following too closely	$2856	$486
Illegal turn	$2856	$475
Improper passing	$2856	$486
Passing school bus	$2881	$480
Speeding 21 - 25 MPH over limit	$2881	$490
Open container	$2962	$493
Operating a vehicle without permission	$3166	$538
At-fault accident - $1000-$2000	$3247	$541
At-fault accident - greater than $2000	$3247	$552
Reckless driving	$3922	$653
Refusal to submit to a chemical test	$3988	$678
DUI	$4183	$697
Racing	$4215	$717
Leaving scene of an accident/hit and run	$4248	$708
Driving with a suspended license	$4265	$725

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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 Bridge City 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 Bridge City.

The cheapest car insurance premiums in Bridge City are offered by Louisiana Farm Bureau at $456 for a six-month policy. However, it can be as expensive as $4810 with companies like AAA.

Bridge City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$456	$75
Southern Farm Bureau	$1880	$319
Progressive	$2295	$386
Farm Bureau	$2539	$432
USAA	$3100	$522
Safeway	$3206	$540
State Farm	$3573	$601
Allstate	$3922	$660
AAA	$4810	$801

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 Bridge City are offered by Louisiana Farm Bureau at $374. However, it can be as expensive as $4517 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Bridge City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$374	$63
State Farm	$1677	$282
Progressive	$2026	$341
USAA	$2197	$374
Farm Bureau	$2539	$423
Safeway	$2824	$480
Allstate	$3158	$526
AAA	$4517	$769

Car Insurance Price Trends in Bridge City, Louisiana

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

The average cost of full coverage in the Bridge City rose by $510 in January compared to $416 of December. In other words, there has been an increase by $94 when you compare January and December.

The average cost of liability insurance in the Bridge City rose to $122 in January, compared to $116 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bridge City?

The car insurance in Bridge City is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Bridge City?

The cheapest car insurance in Bridge City is $114 per month for full coverage.

How much is car insurance in Bridge City for teenagers?

Car insurance for teenagers costs $521 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 Bridge City?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $389 per month to insure your car in Bridge City.

Is car insurance expensive in Bridge City?

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

What is the best car insurance in Bridge City, LA?

The best car insurance company in Bridge City LA is Louisiana Farm Bureau, offering $667 for a six-month policy.