Cheapest Car Insurance Quotes in Centerville

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Centerville 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 Centerville

The car insurance rate in Centerville is $1775 for a six-month policy, which is $85 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 Centerville 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 Centerville

$1775

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Centerville

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: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1160 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1540 for six months, making it the third cheapest auto insurance company in Centerville.

Centerville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Centerville, LA is Louisiana Farm Bureau, offering policies at just $511 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1160.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2489 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Centerville drivers find the best deals.

Cheap Car Insurance Companies in Centerville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$511	$87
Southern Farm Bureau	$1160	$193
USAA	$1540	$259
Progressive	$1734	$292
Farm Bureau	$1809	$305
State Farm	$1909	$321
Safeway	$1952	$329
SafeAuto	$1983	$331
Encompass	$2028	$344
Allstate	$2414	$406
AAA	$2489	$423

Key Takeaways

Way's key takeaways about car insurance in Centerville

The auto insurance costs in Centerville fall around $511 for six months.
The cheapest auto insurance company in Centerville is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Centerville at $1257 per month.

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Cheapest Minimum Liability Car Insurance in Centerville

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 Centerville are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Centerville. Their Average 6 Month Premium is $244. Safeway is the most expensive at $761 for the same period.

Cheapest Liability Coverage in Centerville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$244	$41
Southern Farm Bureau	$405	$69
USAA	$511	$86
Progressive	$524	$88
State Farm	$549	$92
Farm Bureau	$630	$106
AAA	$649	$108
Allstate	$655	$110
SafeAuto	$711	$119
Safeway	$761	$128

Cheapest Full Coverage Car Insurance in Centerville

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 Centerville is Louisiana Farm Bureau at $87 per month and $511 for six months.

Cheapest Full Coverage Car Insurance Quotes in Centerville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$511	$87
Southern Farm Bureau	$1160	$193
USAA	$1540	$259
Progressive	$1734	$292
Farm Bureau	$1809	$305
State Farm	$1909	$321
Safeway	$1952	$329
SafeAuto	$1983	$331
Encompass	$2028	$344
Allstate	$2414	$406
AAA	$2489	$423

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Average Car Insurance in Centerville 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 Centerville, LA increasing?

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

Car Insurance Premiums by Age in Centerville

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 Centerville,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 Centerville at $66 per month. At $7391 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
State Farm	$3038	$511
USAA	$3243	$541
Safeway	$4958	$843
Allstate	$5514	$919
Progressive	$5726	$964
Farm Bureau	$6487	$1082
AAA	$7391	$1257

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 Centerville.

As young drivers face the highest rates in Centerville, 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 Centerville, 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 Centerville is State Farm, offering rates of around $9718 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$437	$75
Allstate	$1859	$310
Progressive	$2083	$351
USAA	$2115	$353
Safeway	$2121	$360
Farm Bureau	$4023	$671
AAA	$7060	$1200
State Farm	$9718	$1619

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Car Insurance Rates with An Accident in Centerville

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

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

The cheapest car insurance companies after an at-fault accident in Centerville include Louisiana Farm Bureau and State Farm, offering $318 and $1247, respectively. AAA is an expensive provider with an average six-month premium of $3986.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$318	$53
State Farm	$1247	$210
USAA	$1404	$236
Progressive	$1540	$259
Safeway	$1797	$302
Farm Bureau	$1946	$331
Allstate	$1977	$333
AAA	$3986	$677

Centerville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Centerville LA. For example, the car insurance in Centerville 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.

Centerville 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 Centerville 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 Centerville.

The cheapest car insurance premiums in Centerville are offered by Louisiana Farm Bureau at $350 for a six-month policy. However, it can be as expensive as $3687 with companies like AAA.

Centerville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$350	$58
Southern Farm Bureau	$1441	$245
Progressive	$1759	$296
Farm Bureau	$1946	$331
USAA	$2376	$400
Safeway	$2457	$414
State Farm	$2738	$461
Allstate	$3006	$506
AAA	$3687	$614

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 Centerville are offered by Louisiana Farm Bureau at $287. However, it can be as expensive as $3462 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Centerville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$287	$48
State Farm	$1285	$216
Progressive	$1553	$261
USAA	$1684	$287
Farm Bureau	$1946	$324
Safeway	$2164	$368
Allstate	$2420	$403
AAA	$3462	$589

Car Insurance Price Trends in Centerville, Louisiana

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

The average cost of full coverage in the Centerville rose by $391 in January compared to $319 of December. In other words, there has been an increase by $72 when you compare January and December.

The average cost of liability insurance in the Centerville rose to $93 in January, compared to $89 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Centerville?

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

What is the cheapest car insurance in Centerville?

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

How much is car insurance in Centerville 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 Centerville?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $298 per month to insure your car in Centerville.

Is car insurance expensive in Centerville?

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

What is the best car insurance in Centerville, LA?

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