Cheapest Car Insurance Quotes in Darrow

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Darrow Car Insurance

^$ 46

/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 Darrow

The car insurance rate in Darrow is $1977 for a six-month policy, which is $287 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $570, making it a popular choice for budget-conscious drivers. Rates in Darrow 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 Darrow

$1977

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Darrow

1st place: Louisiana Farm Bureau

At $570 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 $1293 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1716 for six months, making it the third cheapest auto insurance company in Darrow.

Darrow Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Darrow, LA is Louisiana Farm Bureau, offering policies at just $570 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1293.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2773 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Darrow drivers find the best deals.

Cheap Car Insurance Companies in Darrow, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$570	$97
Southern Farm Bureau	$1293	$215
USAA	$1716	$289
Progressive	$1932	$325
Farm Bureau	$2016	$339
State Farm	$2127	$358
Safeway	$2175	$366
SafeAuto	$2210	$369
Encompass	$2259	$384
Allstate	$2690	$453
AAA	$2773	$472

Key Takeaways

Way's key takeaways about car insurance in Darrow

The auto insurance costs in Darrow fall around $570 for six months.
The cheapest auto insurance company in Darrow is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Darrow at $1400 per month.

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Cheapest Minimum Liability Car Insurance in Darrow

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 Darrow are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Darrow. Their Average 6 Month Premium is $271. Safeway is the most expensive at $848 for the same period.

Cheapest Liability Coverage in Darrow, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$271	$46
Southern Farm Bureau	$452	$77
USAA	$570	$96
Progressive	$584	$98
State Farm	$612	$103
Farm Bureau	$702	$118
AAA	$723	$121
Allstate	$730	$123
SafeAuto	$792	$132
Safeway	$848	$143

Cheapest Full Coverage Car Insurance in Darrow

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 Darrow is Louisiana Farm Bureau at $97 per month and $570 for six months.

Cheapest Full Coverage Car Insurance Quotes in Darrow, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$570	$97
Southern Farm Bureau	$1293	$215
USAA	$1716	$289
Progressive	$1932	$325
Farm Bureau	$2016	$339
State Farm	$2127	$358
Safeway	$2175	$366
SafeAuto	$2210	$369
Encompass	$2259	$384
Allstate	$2690	$453
AAA	$2773	$472

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Average Car Insurance in Darrow 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 Darrow, LA increasing?

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

Car Insurance Premiums by Age in Darrow

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	$1168
30s	USAA	$948
40s	USAA	$873
50s	USAA	$834
60s	USAA	$890
70s	USAA	$913

Cheapest Car Insurance Rates for Teen Drivers in Darrow,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 Darrow at $74 per month. At $8236 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	$445	$74
State Farm	$3385	$570
USAA	$3614	$603
Safeway	$5525	$940
Allstate	$6144	$1024
Progressive	$6380	$1074
Farm Bureau	$7228	$1205
AAA	$8236	$1400

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 Darrow.

As young drivers face the highest rates in Darrow, USAA offers the cheapest auto insurance rates at $1168 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 Darrow, Louisiana Farm Bureau is the cheapest car insurance provider. At $487 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 Darrow is State Farm, offering rates of around $10828 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$487	$83
Allstate	$2071	$345
Progressive	$2321	$391
USAA	$2356	$393
Safeway	$2363	$401
Farm Bureau	$4482	$748
AAA	$7867	$1337
State Farm	$10828	$1804

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Car Insurance Rates with An Accident in Darrow

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

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

The cheapest car insurance companies after an at-fault accident in Darrow include Louisiana Farm Bureau and State Farm, offering $355 and $1390, respectively. AAA is an expensive provider with an average six-month premium of $4441.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$355	$59
State Farm	$1390	$234
USAA	$1564	$263
Progressive	$1716	$289
Safeway	$2002	$337
Farm Bureau	$2168	$369
Allstate	$2203	$371
AAA	$4441	$755

Darrow Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Darrow LA. For example, the car insurance in Darrow after a DUI increases to $1654 for a six month policy. While the rate increases by $479 for a six-month policy in the case of a speeding ticket.

Darrow auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1918	$319
One Med/PIP claim	$1918	$326
Two Med/PIP claims	$1939	$323
Not-at-fault accident	$1946	$331
One comp claim	$1953	$325
Two comp claims	$2023	$344
Failure to wear a seat belt	$2259	$377
Failure to show documents	$2286	$388
Child safety restraint	$2321	$387
Driving without lights	$2321	$394
Driving with expired registration	$2363	$394
Driving too slowly	$2397	$407
Speeding 11 - 15 MPH over limit	$2397	$400
Speeding 16 - 20 MPH over limit	$2397	$407
Speeding 6 - 10 MPH over limit	$2397	$400
Speeding in school zone	$2397	$407
In 65 MPH zone	$2404	$401
Cell phone violation	$2425	$412
Texting while driving	$2425	$405
Wrong way/wrong lane	$2425	$412
At-fault accident - less than $1000	$2439	$406
Failure to stop at a red light	$2439	$415
Failure to yield	$2439	$406
Following too closely	$2439	$415
Illegal turn	$2439	$406
Improper passing	$2439	$415
Passing school bus	$2461	$410
Speeding 21 - 25 MPH over limit	$2461	$419
Open container	$2530	$421
Operating a vehicle without permission	$2704	$460
At-fault accident - $1000-$2000	$2773	$462
At-fault accident - greater than $2000	$2773	$472
Reckless driving	$3350	$558
Refusal to submit to a chemical test	$3406	$579
DUI	$3572	$596
Racing	$3600	$612
Leaving scene of an accident/hit and run	$3628	$605
Driving with a suspended license	$3642	$619

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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 Darrow 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 Darrow.

The cheapest car insurance premiums in Darrow are offered by Louisiana Farm Bureau at $390 for a six-month policy. However, it can be as expensive as $4108 with companies like AAA.

Darrow car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$390	$64
Southern Farm Bureau	$1605	$273
Progressive	$1960	$330
Farm Bureau	$2168	$369
USAA	$2648	$446
Safeway	$2738	$461
State Farm	$3051	$514
Allstate	$3350	$564
AAA	$4108	$684

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 Darrow are offered by Louisiana Farm Bureau at $319. However, it can be as expensive as $3857 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Darrow after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$319	$54
State Farm	$1432	$241
Progressive	$1730	$291
USAA	$1877	$319
Farm Bureau	$2168	$362
Safeway	$2411	$410
Allstate	$2697	$449
AAA	$3857	$656

Car Insurance Price Trends in Darrow, Louisiana

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

The average cost of full coverage in the Darrow rose by $435 in January compared to $356 of December. In other words, there has been an increase by $79 when you compare January and December.

The average cost of liability insurance in the Darrow rose to $104 in January, compared to $99 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Darrow?

The car insurance in Darrow is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Darrow?

The cheapest car insurance in Darrow is $97 per month for full coverage.

How much is car insurance in Darrow for teenagers?

Car insurance for teenagers costs $445 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 Darrow?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $332 per month to insure your car in Darrow.

Is car insurance expensive in Darrow?

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

What is the best car insurance in Darrow, LA?

The best car insurance company in Darrow LA is Louisiana Farm Bureau, offering $570 for a six-month policy.