Cheapest Car Insurance Quotes in Castor

Finding the cheapest car insurance quotes in Castor 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

Castor Car Insurance

^$ 33

/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 Castor

The car insurance rate in Castor is $1266 for a six-month policy, which is $241 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $409, making it a popular choice for budget-conscious drivers. Rates in Castor 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 Castor

$1266

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Castor

1st place: Louisiana Farm Bureau

At $409 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 $893 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 $928 for six months, making it the third cheapest auto insurance company in Castor.

Castor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Castor, LA is Louisiana Farm Bureau, offering policies at just $409 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $893.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1806 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Castor drivers find the best deals.

Cheap Car Insurance Companies in Castor, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$409	$68
Farm Bureau	$893	$150
Southern Farm Bureau	$928	$155
USAA	$1207	$203
Progressive	$1327	$223
State Farm	$1407	$237
Safeway	$1477	$249
SafeAuto	$1587	$270
Encompass	$1622	$270
Allstate	$1806	$304

Key Takeaways

Way's key takeaways about car insurance in Castor

The auto insurance costs in Castor fall around $409 for six months.
The cheapest auto insurance company in Castor is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Castor at $105 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 Castor

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 Castor are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Castor. Their Average 6 Month Premium is $195. AAA is the most expensive at $404 for the same period.

Cheapest Liability Coverage in Castor, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$195	$33
Farm Bureau	$304	$51
Southern Farm Bureau	$324	$54
State Farm	$399	$67
USAA	$399	$67
Progressive	$419	$71
Allstate	$543	$92
SafeAuto	$569	$97
Safeway	$599	$101
AAA	$404	$67

Cheapest Full Coverage Car Insurance in Castor

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 Castor is Louisiana Farm Bureau at $68 per month and $409 for six months.

Cheapest Full Coverage Car Insurance Quotes in Castor, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$409	$68
Farm Bureau	$893	$150
Southern Farm Bureau	$928	$155
USAA	$1207	$203
Progressive	$1327	$223
State Farm	$1407	$237
Safeway	$1477	$249
SafeAuto	$1587	$270
Encompass	$1622	$270
Allstate	$1806	$304

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Castor Instantly!

Average Car Insurance in Castor 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 Castor, LA increasing?

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

Car Insurance Premiums by Age in Castor

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	$838
30s	USAA	$680
40s	USAA	$627
50s	USAA	$599
60s	USAA	$639
70s	USAA	$655

Cheapest Car Insurance Rates for Teen Drivers in Castor,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 Castor at $53 per month. At $619 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	$319	$53
Farm Bureau	$1402	$239
State Farm	$1801	$303
USAA	$2286	$389
Safeway	$3478	$580
Allstate	$3737	$635
Progressive	$3951	$665
AAA	$619	$105

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 Castor.

As young drivers face the highest rates in Castor, USAA offers the cheapest auto insurance rates at $838 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 Castor, Louisiana Farm Bureau is the cheapest car insurance provider. At $349 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 Castor is State Farm, offering rates of around $5453 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$349	$60
Allstate	$1237	$207
Farm Bureau	$1292	$220
Safeway	$1442	$240
Progressive	$1457	$245
USAA	$1512	$252
State Farm	$5453	$927

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Castor

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

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

The cheapest car insurance companies after an at-fault accident in Castor include Louisiana Farm Bureau and State Farm, offering $255 and $759, respectively. Allstate is an expensive provider with an average six-month premium of $1402.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$255	$42
State Farm	$759	$128
Farm Bureau	$923	$154
USAA	$1038	$175
Progressive	$1113	$187
Safeway	$1278	$215
Allstate	$1402	$236

Castor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Castor LA. For example, the car insurance in Castor after a DUI increases to $1188 for a six month policy. While the rate increases by $344 for a six-month policy in the case of a speeding ticket.

Castor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1377	$229
One Med/PIP claim	$1377	$234
Two Med/PIP claims	$1392	$232
Not-at-fault accident	$1397	$238
One comp claim	$1402	$234
Two comp claims	$1452	$247
Failure to wear a seat belt	$1622	$270
Failure to show documents	$1641	$279
Child safety restraint	$1667	$278
Driving without lights	$1667	$283
Driving with expired registration	$1697	$283
Driving too slowly	$1721	$292
Speeding 11 - 15 MPH over limit	$1721	$287
Speeding 16 - 20 MPH over limit	$1721	$292
Speeding 6 - 10 MPH over limit	$1721	$287
Speeding in school zone	$1721	$292
In 65 MPH zone	$1726	$288
Cell phone violation	$1741	$296
Texting while driving	$1741	$291
Wrong way/wrong lane	$1741	$296
At-fault accident - less than $1000	$1751	$291
Failure to stop at a red light	$1751	$298
Failure to yield	$1751	$291
Following too closely	$1751	$298
Illegal turn	$1751	$291
Improper passing	$1751	$298
Passing school bus	$1767	$294
Speeding 21 - 25 MPH over limit	$1767	$301
Open container	$1816	$302
Operating a vehicle without permission	$1941	$330
At-fault accident - $1000-$2000	$1991	$332
At-fault accident - greater than $2000	$1991	$339
Reckless driving	$2405	$401
Refusal to submit to a chemical test	$2445	$416
DUI	$2565	$428
Racing	$2585	$439
Leaving scene of an accident/hit and run	$2605	$434
Driving with a suspended license	$2615	$444

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 Castor 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 Castor.

The cheapest car insurance premiums in Castor are offered by Louisiana Farm Bureau at $280 for a six-month policy. However, it can be as expensive as $679 with companies like AAA.

Castor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$280	$48
Farm Bureau	$958	$160
Southern Farm Bureau	$1152	$196
Progressive	$1312	$221
USAA	$1787	$301
Safeway	$1791	$302
State Farm	$1841	$310
Allstate	$2235	$376
AAA	$679	$115

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 Castor are offered by Louisiana Farm Bureau at $229. However, it can be as expensive as $1602 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Castor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$229	$39
State Farm	$779	$131
Farm Bureau	$818	$139
Progressive	$1088	$183
USAA	$1198	$203
Safeway	$1477	$246
Allstate	$1602	$272

Car Insurance Price Trends in Castor, Louisiana

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

The average cost of full coverage in the Castor rose by $255 in December compared to $251 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 Castor rose to $70 in December, compared to $64 in November. This represents an increase of $6 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 Castor?

The car insurance in Castor is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Castor?

The cheapest car insurance in Castor is $68 per month for full coverage.

How much is car insurance in Castor for teenagers?

Car insurance for teenagers costs $319 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 Castor?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $213 per month to insure your car in Castor.

Is car insurance expensive in Castor?

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

What is the best car insurance in Castor, LA?

The best car insurance company in Castor LA is Louisiana Farm Bureau, offering $409 for a six-month policy.