Cheapest Car Insurance Quotes in Chalmette

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Chalmette Car Insurance

^$ 58

/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 $2245 for a six-month policy, which is $738 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $726, 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

$2245

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Chalmette

1st place: Louisiana Farm Bureau

At $726 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 $1584 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 $1646 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 $726 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1584.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3204 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	$726	$121
Farm Bureau	$1584	$267
Southern Farm Bureau	$1646	$274
USAA	$2141	$361
Progressive	$2354	$396
State Farm	$2496	$420
Safeway	$2619	$441
SafeAuto	$2815	$478
Encompass	$2877	$480
Allstate	$3204	$539

Key Takeaways

Way's key takeaways about car insurance in Chalmette

The auto insurance costs in Chalmette fall around $726 for six months.
The cheapest auto insurance company in Chalmette is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Chalmette at $186 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 $346. AAA is the most expensive at $717 for the same period.

Cheapest Liability Coverage in Chalmette, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$346	$58
Farm Bureau	$539	$91
Southern Farm Bureau	$575	$95
State Farm	$708	$119
USAA	$708	$119
Progressive	$744	$125
Allstate	$964	$162
SafeAuto	$1009	$171
Safeway	$1062	$179
AAA	$717	$119

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 $121 per month and $726 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chalmette, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$726	$121
Farm Bureau	$1584	$267
Southern Farm Bureau	$1646	$274
USAA	$2141	$361
Progressive	$2354	$396
State Farm	$2496	$420
Safeway	$2619	$441
SafeAuto	$2815	$478
Encompass	$2877	$480
Allstate	$3204	$539

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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	$1487
30s	USAA	$1207
40s	USAA	$1112
50s	USAA	$1062
60s	USAA	$1134
70s	USAA	$1162

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 $94 per month. At $1098 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	$566	$94
Farm Bureau	$2487	$423
State Farm	$3195	$538
USAA	$4054	$690
Safeway	$6169	$1028
Allstate	$6629	$1126
Progressive	$7009	$1180
AAA	$1098	$186

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 $1487 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 $620 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 $9673 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$620	$106
Allstate	$2195	$367
Farm Bureau	$2292	$390
Safeway	$2558	$426
Progressive	$2584	$435
USAA	$2682	$447
State Farm	$9673	$1645

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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 $451 and $1345, respectively. Allstate is an expensive provider with an average six-month premium of $2487.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$451	$75
State Farm	$1345	$226
Farm Bureau	$1638	$273
USAA	$1842	$310
Progressive	$1974	$332
Safeway	$2266	$381
Allstate	$2487	$419

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 $2107 for a six month policy. While the rate increases by $611 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	$2442	$407
One Med/PIP claim	$2442	$416
Two Med/PIP claims	$2469	$411
Not-at-fault accident	$2478	$422
One comp claim	$2487	$414
Two comp claims	$2576	$438
Failure to wear a seat belt	$2877	$480
Failure to show documents	$2911	$495
Child safety restraint	$2956	$493
Driving without lights	$2956	$502
Driving with expired registration	$3010	$502
Driving too slowly	$3053	$519
Speeding 11 - 15 MPH over limit	$3053	$510
Speeding 16 - 20 MPH over limit	$3053	$519
Speeding 6 - 10 MPH over limit	$3053	$510
Speeding in school zone	$3053	$519
In 65 MPH zone	$3062	$511
Cell phone violation	$3089	$524
Texting while driving	$3089	$516
Wrong way/wrong lane	$3089	$524
At-fault accident - less than $1000	$3107	$517
Failure to stop at a red light	$3107	$529
Failure to yield	$3107	$517
Following too closely	$3107	$529
Illegal turn	$3107	$517
Improper passing	$3107	$529
Passing school bus	$3133	$522
Speeding 21 - 25 MPH over limit	$3133	$533
Open container	$3221	$536
Operating a vehicle without permission	$3443	$586
At-fault accident - $1000-$2000	$3531	$589
At-fault accident - greater than $2000	$3531	$600
Reckless driving	$4266	$711
Refusal to submit to a chemical test	$4337	$738
DUI	$4549	$758
Racing	$4585	$779
Leaving scene of an accident/hit and run	$4620	$770
Driving with a suspended license	$4638	$788

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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 $496 for a six-month policy. However, it can be as expensive as $1204 with companies like AAA.

Chalmette car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$496	$85
Farm Bureau	$1699	$283
Southern Farm Bureau	$2044	$347
Progressive	$2327	$392
USAA	$3169	$533
Safeway	$3177	$535
State Farm	$3266	$550
Allstate	$3965	$668
AAA	$1204	$204

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 $407. However, it can be as expensive as $2841 with companies like Allstate 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	$407	$69
State Farm	$1381	$232
Farm Bureau	$1451	$247
Progressive	$1930	$325
USAA	$2125	$361
Safeway	$2619	$437
Allstate	$2841	$483

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 $451 in December compared to $446 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Chalmette rose to $124 in December, compared to $113 in November. This represents an increase of $11 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Chalmette?

The car insurance in Chalmette is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Chalmette?

The cheapest car insurance in Chalmette is $121 per month for full coverage.

How much is car insurance in Chalmette for teenagers?

Car insurance for teenagers costs $566 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 $1507 for a six-month policy. It will cost around $377 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 $726 for a six-month policy.