Cheapest Car Insurance Quotes in Chalmette

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Chalmette Car Insurance

^$ 59

/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 Chalmette

The car insurance rate in Chalmette is $2552 for a six-month policy, which is $862 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $735, making it a popular choice for budget-conscious drivers. Rates in Chalmette 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 Chalmette

$2552

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Chalmette

1st place: Louisiana Farm Bureau

At $735 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 $1669 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $2215 for six months, making it the third cheapest auto insurance company in Chalmette.

Chalmette Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chalmette, LA is Louisiana Farm Bureau, offering policies at just $735 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1669.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $3579 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chalmette drivers find the best deals.

Cheap Car Insurance Companies in Chalmette, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$735	$125
Southern Farm Bureau	$1669	$278
USAA	$2215	$373
Progressive	$2493	$420
Farm Bureau	$2602	$438
State Farm	$2745	$462
Safeway	$2807	$473
SafeAuto	$2852	$476
Encompass	$2916	$495
Allstate	$3471	$584
AAA	$3579	$609

Key Takeaways

Way's key takeaways about car insurance in Chalmette

The auto insurance costs in Chalmette fall around $735 for six months.
The cheapest auto insurance company in Chalmette is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Chalmette at $1807 per month.

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Cheapest Minimum Liability Car Insurance in Chalmette

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 Chalmette are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Chalmette. Their Average 6 Month Premium is $350. Safeway is the most expensive at $1095 for the same period.

Cheapest Liability Coverage in Chalmette, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$350	$59
Southern Farm Bureau	$583	$100
USAA	$735	$124
Progressive	$753	$127
State Farm	$790	$133
Farm Bureau	$906	$153
AAA	$933	$156
Allstate	$942	$159
SafeAuto	$1022	$171
Safeway	$1095	$184

Cheapest Full Coverage Car Insurance in Chalmette

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 Chalmette is Louisiana Farm Bureau at $125 per month and $735 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chalmette, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$735	$125
Southern Farm Bureau	$1669	$278
USAA	$2215	$373
Progressive	$2493	$420
Farm Bureau	$2602	$438
State Farm	$2745	$462
Safeway	$2807	$473
SafeAuto	$2852	$476
Encompass	$2916	$495
Allstate	$3471	$584
AAA	$3579	$609

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Average Car Insurance in Chalmette 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 Chalmette, LA increasing?

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

Car Insurance Premiums by Age in Chalmette

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	$1507
30s	USAA	$1223
40s	USAA	$1126
50s	USAA	$1077
60s	USAA	$1149
70s	USAA	$1178

Cheapest Car Insurance Rates for Teen Drivers in Chalmette,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 Chalmette at $95 per month. At $10629 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	$574	$95
State Farm	$4368	$735
USAA	$4664	$778
Safeway	$7130	$1213
Allstate	$7929	$1321
Progressive	$8234	$1386
Farm Bureau	$9329	$1555
AAA	$10629	$1807

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 Chalmette.

As young drivers face the highest rates in Chalmette, USAA offers the cheapest auto insurance rates at $1507 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 Chalmette, Louisiana Farm Bureau is the cheapest car insurance provider. At $628 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 Chalmette is State Farm, offering rates of around $13975 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$628	$107
Allstate	$2673	$445
Progressive	$2996	$504
USAA	$3041	$507
Safeway	$3050	$518
Farm Bureau	$5785	$965
AAA	$10153	$1726
State Farm	$13975	$2328

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Car Insurance Rates with An Accident in Chalmette

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

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

The cheapest car insurance companies after an at-fault accident in Chalmette include Louisiana Farm Bureau and State Farm, offering $458 and $1794, respectively. AAA is an expensive provider with an average six-month premium of $5732.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$458	$76
State Farm	$1794	$302
USAA	$2019	$340
Progressive	$2215	$373
Safeway	$2584	$435
Farm Bureau	$2798	$476
Allstate	$2843	$479
AAA	$5732	$974

Chalmette Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chalmette LA. For example, the car insurance in Chalmette after a DUI increases to $2135 for a six month policy. While the rate increases by $619 for a six-month policy in the case of a speeding ticket.

Chalmette auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2475	$412
One Med/PIP claim	$2475	$421
Two Med/PIP claims	$2502	$417
Not-at-fault accident	$2511	$427
One comp claim	$2520	$420
Two comp claims	$2611	$444
Failure to wear a seat belt	$2916	$486
Failure to show documents	$2951	$501
Child safety restraint	$2996	$500
Driving without lights	$2996	$509
Driving with expired registration	$3050	$509
Driving too slowly	$3094	$525
Speeding 11 - 15 MPH over limit	$3094	$516
Speeding 16 - 20 MPH over limit	$3094	$525
Speeding 6 - 10 MPH over limit	$3094	$516
Speeding in school zone	$3094	$525
In 65 MPH zone	$3103	$518
Cell phone violation	$3130	$532
Texting while driving	$3130	$522
Wrong way/wrong lane	$3130	$532
At-fault accident - less than $1000	$3148	$524
Failure to stop at a red light	$3148	$536
Failure to yield	$3148	$524
Following too closely	$3148	$536
Illegal turn	$3148	$524
Improper passing	$3148	$536
Passing school bus	$3176	$529
Speeding 21 - 25 MPH over limit	$3176	$541
Open container	$3265	$544
Operating a vehicle without permission	$3490	$593
At-fault accident - $1000-$2000	$3579	$596
At-fault accident - greater than $2000	$3579	$609
Reckless driving	$4323	$720
Refusal to submit to a chemical test	$4396	$747
DUI	$4610	$769
Racing	$4646	$790
Leaving scene of an accident/hit and run	$4683	$781
Driving with a suspended license	$4701	$799

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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 Chalmette 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 Chalmette.

The cheapest car insurance premiums in Chalmette are offered by Louisiana Farm Bureau at $503 for a six-month policy. However, it can be as expensive as $5302 with companies like AAA.

Chalmette car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$503	$83
Southern Farm Bureau	$2072	$352
Progressive	$2529	$426
Farm Bureau	$2798	$476
USAA	$3417	$575
Safeway	$3533	$595
State Farm	$3938	$663
Allstate	$4323	$728
AAA	$5302	$883

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 Chalmette are offered by Louisiana Farm Bureau at $412. However, it can be as expensive as $4978 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Chalmette after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$412	$69
State Farm	$1848	$311
Progressive	$2233	$376
USAA	$2422	$412
Farm Bureau	$2798	$467
Safeway	$3112	$529
Allstate	$3481	$580
AAA	$4978	$847

Car Insurance Price Trends in Chalmette, Louisiana

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

The average cost of full coverage in the Chalmette rose by $562 in January compared to $459 of December. In other words, there has been an increase by $103 when you compare January and December.

The average cost of liability insurance in the Chalmette rose to $134 in January, compared to $128 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 Chalmette?

The car insurance in Chalmette is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Chalmette?

The cheapest car insurance in Chalmette is $125 per month for full coverage.

How much is car insurance in Chalmette for teenagers?

Car insurance for teenagers costs $574 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 Chalmette?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $429 per month to insure your car in Chalmette.

Is car insurance expensive in Chalmette?

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

What is the best car insurance in Chalmette, LA?

The best car insurance company in Chalmette LA is Louisiana Farm Bureau, offering $735 for a six-month policy.