Cheapest Car Insurance Quotes in Cottonport

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Cottonport Car Insurance

^$ 45

/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 Cottonport

The car insurance rate in Cottonport is $1733 for a six-month policy, which is $226 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $560, making it a popular choice for budget-conscious drivers. Rates in Cottonport 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 Cottonport

$1733

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Cottonport

1st place: Louisiana Farm Bureau

At $560 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 $1222 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 $1271 for six months, making it the third cheapest auto insurance company in Cottonport.

Cottonport Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cottonport, LA is Louisiana Farm Bureau, offering policies at just $560 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1222.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2473 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cottonport drivers find the best deals.

Cheap Car Insurance Companies in Cottonport, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$560	$93
Farm Bureau	$1222	$206
Southern Farm Bureau	$1271	$212
USAA	$1653	$278
Progressive	$1817	$306
State Farm	$1926	$324
Safeway	$2022	$340
SafeAuto	$2172	$369
Encompass	$2221	$370
Allstate	$2473	$416

Key Takeaways

Way's key takeaways about car insurance in Cottonport

The auto insurance costs in Cottonport fall around $560 for six months.
The cheapest auto insurance company in Cottonport is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Cottonport at $144 per month.

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Cheapest Minimum Liability Car Insurance in Cottonport

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 Cottonport are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Cottonport. Their Average 6 Month Premium is $267. AAA is the most expensive at $553 for the same period.

Cheapest Liability Coverage in Cottonport, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$267	$45
Farm Bureau	$416	$70
Southern Farm Bureau	$444	$74
State Farm	$546	$92
USAA	$546	$92
Progressive	$574	$97
Allstate	$744	$125
SafeAuto	$779	$132
Safeway	$820	$138
AAA	$553	$92

Cheapest Full Coverage Car Insurance in Cottonport

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 Cottonport is Louisiana Farm Bureau at $93 per month and $560 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cottonport, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$560	$93
Farm Bureau	$1222	$206
Southern Farm Bureau	$1271	$212
USAA	$1653	$278
Progressive	$1817	$306
State Farm	$1926	$324
Safeway	$2022	$340
SafeAuto	$2172	$369
Encompass	$2221	$370
Allstate	$2473	$416

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Average Car Insurance in Cottonport 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 Cottonport, LA increasing?

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

Car Insurance Premiums by Age in Cottonport

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	$1148
30s	USAA	$931
40s	USAA	$858
50s	USAA	$820
60s	USAA	$875
70s	USAA	$897

Cheapest Car Insurance Rates for Teen Drivers in Cottonport,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 Cottonport at $72 per month. At $848 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	$437	$72
Farm Bureau	$1919	$327
State Farm	$2466	$415
USAA	$3129	$532
Safeway	$4761	$793
Allstate	$5116	$869
Progressive	$5410	$911
AAA	$848	$144

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 Cottonport.

As young drivers face the highest rates in Cottonport, USAA offers the cheapest auto insurance rates at $1148 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 Cottonport, Louisiana Farm Bureau is the cheapest car insurance provider. At $478 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 Cottonport is State Farm, offering rates of around $7466 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$478	$82
Allstate	$1694	$283
Farm Bureau	$1769	$301
Safeway	$1975	$329
Progressive	$1994	$336
USAA	$2070	$345
State Farm	$7466	$1270

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Car Insurance Rates with An Accident in Cottonport

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

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

The cheapest car insurance companies after an at-fault accident in Cottonport include Louisiana Farm Bureau and State Farm, offering $348 and $1038, respectively. Allstate is an expensive provider with an average six-month premium of $1919.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$348	$57
State Farm	$1038	$175
Farm Bureau	$1264	$210
USAA	$1421	$239
Progressive	$1524	$256
Safeway	$1749	$294
Allstate	$1919	$323

Cottonport Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cottonport LA. For example, the car insurance in Cottonport after a DUI increases to $1626 for a six month policy. While the rate increases by $471 for a six-month policy in the case of a speeding ticket.

Cottonport auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1885	$314
One Med/PIP claim	$1885	$321
Two Med/PIP claims	$1906	$317
Not-at-fault accident	$1912	$325
One comp claim	$1919	$320
Two comp claims	$1988	$338
Failure to wear a seat belt	$2221	$370
Failure to show documents	$2247	$382
Child safety restraint	$2282	$381
Driving without lights	$2282	$388
Driving with expired registration	$2323	$388
Driving too slowly	$2356	$400
Speeding 11 - 15 MPH over limit	$2356	$393
Speeding 16 - 20 MPH over limit	$2356	$400
Speeding 6 - 10 MPH over limit	$2356	$393
Speeding in school zone	$2356	$400
In 65 MPH zone	$2363	$394
Cell phone violation	$2384	$405
Texting while driving	$2384	$398
Wrong way/wrong lane	$2384	$405
At-fault accident - less than $1000	$2398	$399
Failure to stop at a red light	$2398	$408
Failure to yield	$2398	$399
Following too closely	$2398	$408
Illegal turn	$2398	$399
Improper passing	$2398	$408
Passing school bus	$2418	$402
Speeding 21 - 25 MPH over limit	$2418	$412
Open container	$2486	$414
Operating a vehicle without permission	$2658	$452
At-fault accident - $1000-$2000	$2726	$454
At-fault accident - greater than $2000	$2726	$463
Reckless driving	$3292	$549
Refusal to submit to a chemical test	$3348	$569
DUI	$3511	$585
Racing	$3539	$601
Leaving scene of an accident/hit and run	$3566	$595
Driving with a suspended license	$3580	$608

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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 Cottonport 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 Cottonport.

The cheapest car insurance premiums in Cottonport are offered by Louisiana Farm Bureau at $383 for a six-month policy. However, it can be as expensive as $929 with companies like AAA.

Cottonport car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$383	$66
Farm Bureau	$1311	$218
Southern Farm Bureau	$1578	$268
Progressive	$1796	$302
USAA	$2446	$412
Safeway	$2452	$413
State Farm	$2521	$424
Allstate	$3060	$515
AAA	$929	$158

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 Cottonport are offered by Louisiana Farm Bureau at $314. However, it can be as expensive as $2193 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cottonport after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$314	$53
State Farm	$1066	$179
Farm Bureau	$1120	$191
Progressive	$1489	$251
USAA	$1640	$278
Safeway	$2022	$337
Allstate	$2193	$373

Car Insurance Price Trends in Cottonport, Louisiana

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

The average cost of full coverage in the Cottonport rose by $348 in December compared to $344 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 Cottonport rose to $95 in December, compared to $87 in November. This represents an increase of $8 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cottonport?

The car insurance in Cottonport is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Cottonport?

The cheapest car insurance in Cottonport is $93 per month for full coverage.

How much is car insurance in Cottonport for teenagers?

Car insurance for teenagers costs $437 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 Cottonport?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $291 per month to insure your car in Cottonport.

Is car insurance expensive in Cottonport?

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

What is the best car insurance in Cottonport, LA?

The best car insurance company in Cottonport LA is Louisiana Farm Bureau, offering $560 for a six-month policy.