Cheapest Car Insurance Quotes in Claiborne

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Claiborne Car Insurance

^$ 38

/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 Claiborne

The car insurance rate in Claiborne is $1656 for a six-month policy, which is $34 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $477, making it a popular choice for budget-conscious drivers. Rates in Claiborne 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 Claiborne

$1656

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Claiborne

1st place: Louisiana Farm Bureau

At $477 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 $1083 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1438 for six months, making it the third cheapest auto insurance company in Claiborne.

Claiborne Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Claiborne, LA is Louisiana Farm Bureau, offering policies at just $477 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1083.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2323 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Claiborne drivers find the best deals.

Cheap Car Insurance Companies in Claiborne, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$477	$81
Southern Farm Bureau	$1083	$180
USAA	$1438	$242
Progressive	$1618	$272
Farm Bureau	$1689	$284
State Farm	$1782	$300
Safeway	$1822	$307
SafeAuto	$1851	$309
Encompass	$1892	$321
Allstate	$2253	$379
AAA	$2323	$395

Key Takeaways

Way's key takeaways about car insurance in Claiborne

The auto insurance costs in Claiborne fall around $477 for six months.
The cheapest auto insurance company in Claiborne is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Claiborne at $1173 per month.

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Cheapest Minimum Liability Car Insurance in Claiborne

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 Claiborne are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Claiborne. Their Average 6 Month Premium is $227. Safeway is the most expensive at $711 for the same period.

Cheapest Liability Coverage in Claiborne, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$227	$38
Southern Farm Bureau	$378	$65
USAA	$477	$80
Progressive	$489	$82
State Farm	$513	$86
Farm Bureau	$588	$99
AAA	$606	$101
Allstate	$612	$103
SafeAuto	$663	$111
Safeway	$711	$120

Cheapest Full Coverage Car Insurance in Claiborne

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 Claiborne is Louisiana Farm Bureau at $81 per month and $477 for six months.

Cheapest Full Coverage Car Insurance Quotes in Claiborne, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$477	$81
Southern Farm Bureau	$1083	$180
USAA	$1438	$242
Progressive	$1618	$272
Farm Bureau	$1689	$284
State Farm	$1782	$300
Safeway	$1822	$307
SafeAuto	$1851	$309
Encompass	$1892	$321
Allstate	$2253	$379
AAA	$2323	$395

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Average Car Insurance in Claiborne 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 Claiborne, LA increasing?

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

Car Insurance Premiums by Age in Claiborne

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	$978
30s	USAA	$794
40s	USAA	$731
50s	USAA	$699
60s	USAA	$746
70s	USAA	$764

Cheapest Car Insurance Rates for Teen Drivers in Claiborne,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 Claiborne at $62 per month. At $6898 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	$372	$62
State Farm	$2835	$477
USAA	$3027	$505
Safeway	$4628	$787
Allstate	$5146	$858
Progressive	$5344	$900
Farm Bureau	$6054	$1009
AAA	$6898	$1173

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 Claiborne.

As young drivers face the highest rates in Claiborne, USAA offers the cheapest auto insurance rates at $978 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 Claiborne, Louisiana Farm Bureau is the cheapest car insurance provider. At $408 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 Claiborne is State Farm, offering rates of around $9070 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$408	$70
Allstate	$1735	$289
Progressive	$1944	$327
USAA	$1974	$329
Safeway	$1980	$336
Farm Bureau	$3754	$626
AAA	$6590	$1120
State Farm	$9070	$1511

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Car Insurance Rates with An Accident in Claiborne

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

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

The cheapest car insurance companies after an at-fault accident in Claiborne include Louisiana Farm Bureau and State Farm, offering $297 and $1164, respectively. AAA is an expensive provider with an average six-month premium of $3720.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$297	$49
State Farm	$1164	$196
USAA	$1310	$221
Progressive	$1438	$242
Safeway	$1677	$282
Farm Bureau	$1816	$309
Allstate	$1845	$311
AAA	$3720	$632

Claiborne Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Claiborne LA. For example, the car insurance in Claiborne after a DUI increases to $1386 for a six month policy. While the rate increases by $402 for a six-month policy in the case of a speeding ticket.

Claiborne auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1606	$268
One Med/PIP claim	$1606	$273
Two Med/PIP claims	$1624	$270
Not-at-fault accident	$1630	$277
One comp claim	$1636	$272
Two comp claims	$1694	$288
Failure to wear a seat belt	$1892	$316
Failure to show documents	$1915	$325
Child safety restraint	$1944	$324
Driving without lights	$1944	$330
Driving with expired registration	$1980	$330
Driving too slowly	$2008	$341
Speeding 11 - 15 MPH over limit	$2008	$335
Speeding 16 - 20 MPH over limit	$2008	$341
Speeding 6 - 10 MPH over limit	$2008	$335
Speeding in school zone	$2008	$341
In 65 MPH zone	$2014	$336
Cell phone violation	$2032	$345
Texting while driving	$2032	$339
Wrong way/wrong lane	$2032	$345
At-fault accident - less than $1000	$2043	$340
Failure to stop at a red light	$2043	$348
Failure to yield	$2043	$340
Following too closely	$2043	$348
Illegal turn	$2043	$340
Improper passing	$2043	$348
Passing school bus	$2061	$343
Speeding 21 - 25 MPH over limit	$2061	$351
Open container	$2119	$353
Operating a vehicle without permission	$2265	$385
At-fault accident - $1000-$2000	$2323	$387
At-fault accident - greater than $2000	$2323	$395
Reckless driving	$2806	$467
Refusal to submit to a chemical test	$2853	$485
DUI	$2992	$499
Racing	$3015	$513
Leaving scene of an accident/hit and run	$3039	$507
Driving with a suspended license	$3051	$518

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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 Claiborne 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 Claiborne.

The cheapest car insurance premiums in Claiborne are offered by Louisiana Farm Bureau at $326 for a six-month policy. However, it can be as expensive as $3441 with companies like AAA.

Claiborne car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$326	$54
Southern Farm Bureau	$1345	$228
Progressive	$1642	$276
Farm Bureau	$1816	$309
USAA	$2218	$373
Safeway	$2293	$386
State Farm	$2556	$430
Allstate	$2806	$472
AAA	$3441	$573

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 Claiborne are offered by Louisiana Farm Bureau at $268. However, it can be as expensive as $3231 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Claiborne after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$268	$45
State Farm	$1200	$202
Progressive	$1449	$244
USAA	$1572	$268
Farm Bureau	$1816	$303
Safeway	$2020	$343
Allstate	$2259	$376
AAA	$3231	$550

Car Insurance Price Trends in Claiborne, Louisiana

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

The average cost of full coverage in the Claiborne rose by $365 in January compared to $298 of December. In other words, there has been an increase by $67 when you compare January and December.

The average cost of liability insurance in the Claiborne rose to $87 in January, compared to $83 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 Claiborne?

The car insurance in Claiborne is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Claiborne?

The cheapest car insurance in Claiborne is $81 per month for full coverage.

How much is car insurance in Claiborne for teenagers?

Car insurance for teenagers costs $372 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 Claiborne?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $278 per month to insure your car in Claiborne.

Is car insurance expensive in Claiborne?

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

What is the best car insurance in Claiborne, LA?

The best car insurance company in Claiborne LA is Louisiana Farm Bureau, offering $477 for a six-month policy.