Cheapest Car Insurance Quotes in Denham Springs

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Denham Springs Car Insurance

^$ 44

/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 Denham Springs

The car insurance rate in Denham Springs is $1927 for a six-month policy, which is $237 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $555, making it a popular choice for budget-conscious drivers. Rates in Denham Springs 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 Denham Springs

$1927

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Denham Springs

1st place: Louisiana Farm Bureau

At $555 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 $1260 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1672 for six months, making it the third cheapest auto insurance company in Denham Springs.

Denham Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Denham Springs, LA is Louisiana Farm Bureau, offering policies at just $555 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1260.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2702 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Denham Springs drivers find the best deals.

Cheap Car Insurance Companies in Denham Springs, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$555	$95
Southern Farm Bureau	$1260	$210
USAA	$1672	$282
Progressive	$1882	$317
Farm Bureau	$1964	$331
State Farm	$2073	$349
Safeway	$2119	$357
SafeAuto	$2153	$359
Encompass	$2201	$374
Allstate	$2621	$441
AAA	$2702	$459

Key Takeaways

Way's key takeaways about car insurance in Denham Springs

The auto insurance costs in Denham Springs fall around $555 for six months.
The cheapest auto insurance company in Denham Springs is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Denham Springs at $1365 per month.

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Cheapest Minimum Liability Car Insurance in Denham Springs

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 Denham Springs are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Denham Springs. Their Average 6 Month Premium is $264. Safeway is the most expensive at $826 for the same period.

Cheapest Liability Coverage in Denham Springs, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$264	$44
Southern Farm Bureau	$440	$75
USAA	$555	$93
Progressive	$569	$96
State Farm	$596	$100
Farm Bureau	$684	$115
AAA	$705	$117
Allstate	$711	$120
SafeAuto	$772	$129
Safeway	$826	$139

Cheapest Full Coverage Car Insurance in Denham Springs

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 Denham Springs is Louisiana Farm Bureau at $95 per month and $555 for six months.

Cheapest Full Coverage Car Insurance Quotes in Denham Springs, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$555	$95
Southern Farm Bureau	$1260	$210
USAA	$1672	$282
Progressive	$1882	$317
Farm Bureau	$1964	$331
State Farm	$2073	$349
Safeway	$2119	$357
SafeAuto	$2153	$359
Encompass	$2201	$374
Allstate	$2621	$441
AAA	$2702	$459

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Average Car Insurance in Denham Springs 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 Denham Springs, LA increasing?

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

Car Insurance Premiums by Age in Denham Springs

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	$1138
30s	USAA	$923
40s	USAA	$850
50s	USAA	$813
60s	USAA	$868
70s	USAA	$889

Cheapest Car Insurance Rates for Teen Drivers in Denham Springs,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 Denham Springs at $72 per month. At $8024 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	$433	$72
State Farm	$3298	$555
USAA	$3521	$587
Safeway	$5383	$915
Allstate	$5986	$997
Progressive	$6216	$1047
Farm Bureau	$7043	$1174
AAA	$8024	$1365

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 Denham Springs.

As young drivers face the highest rates in Denham Springs, USAA offers the cheapest auto insurance rates at $1138 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 Denham Springs, Louisiana Farm Bureau is the cheapest car insurance provider. At $474 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 Denham Springs is State Farm, offering rates of around $10551 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$474	$81
Allstate	$2018	$336
Progressive	$2262	$381
USAA	$2296	$383
Safeway	$2303	$391
Farm Bureau	$4367	$728
AAA	$7665	$1303
State Farm	$10551	$1758

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Car Insurance Rates with An Accident in Denham Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Denham Springs

The cheapest car insurance companies after an at-fault accident in Denham Springs include Louisiana Farm Bureau and State Farm, offering $345 and $1354, respectively. AAA is an expensive provider with an average six-month premium of $4327.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$345	$57
State Farm	$1354	$228
USAA	$1524	$257
Progressive	$1672	$282
Safeway	$1951	$328
Farm Bureau	$2112	$359
Allstate	$2147	$361
AAA	$4327	$735

Denham Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Denham Springs LA. For example, the car insurance in Denham Springs after a DUI increases to $1612 for a six month policy. While the rate increases by $468 for a six-month policy in the case of a speeding ticket.

Denham Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1868	$311
One Med/PIP claim	$1868	$318
Two Med/PIP claims	$1889	$315
Not-at-fault accident	$1896	$323
One comp claim	$1903	$317
Two comp claims	$1971	$335
Failure to wear a seat belt	$2201	$367
Failure to show documents	$2228	$378
Child safety restraint	$2262	$377
Driving without lights	$2262	$384
Driving with expired registration	$2303	$384
Driving too slowly	$2336	$397
Speeding 11 - 15 MPH over limit	$2336	$390
Speeding 16 - 20 MPH over limit	$2336	$397
Speeding 6 - 10 MPH over limit	$2336	$390
Speeding in school zone	$2336	$397
In 65 MPH zone	$2343	$391
Cell phone violation	$2363	$401
Texting while driving	$2363	$394
Wrong way/wrong lane	$2363	$401
At-fault accident - less than $1000	$2377	$396
Failure to stop at a red light	$2377	$405
Failure to yield	$2377	$396
Following too closely	$2377	$405
Illegal turn	$2377	$396
Improper passing	$2377	$405
Passing school bus	$2397	$399
Speeding 21 - 25 MPH over limit	$2397	$408
Open container	$2465	$410
Operating a vehicle without permission	$2635	$448
At-fault accident - $1000-$2000	$2702	$450
At-fault accident - greater than $2000	$2702	$459
Reckless driving	$3264	$544
Refusal to submit to a chemical test	$3319	$564
DUI	$3480	$580
Racing	$3508	$596
Leaving scene of an accident/hit and run	$3535	$589
Driving with a suspended license	$3549	$603

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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 Denham Springs 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 Denham Springs.

The cheapest car insurance premiums in Denham Springs are offered by Louisiana Farm Bureau at $380 for a six-month policy. However, it can be as expensive as $4003 with companies like AAA.

Denham Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$380	$63
Southern Farm Bureau	$1564	$266
Progressive	$1909	$321
Farm Bureau	$2112	$359
USAA	$2580	$434
Safeway	$2668	$449
State Farm	$2973	$500
Allstate	$3264	$549
AAA	$4003	$667

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 Denham Springs are offered by Louisiana Farm Bureau at $311. However, it can be as expensive as $3759 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Denham Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$311	$52
State Farm	$1395	$235
Progressive	$1686	$284
USAA	$1829	$311
Farm Bureau	$2112	$352
Safeway	$2350	$399
Allstate	$2628	$438
AAA	$3759	$640

Car Insurance Price Trends in Denham Springs, Louisiana

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

The average cost of full coverage in the Denham Springs rose by $424 in January compared to $347 of December. In other words, there has been an increase by $77 when you compare January and December.

The average cost of liability insurance in the Denham Springs rose to $101 in January, compared to $97 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 Denham Springs?

The car insurance in Denham Springs is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Denham Springs?

The cheapest car insurance in Denham Springs is $95 per month for full coverage.

How much is car insurance in Denham Springs for teenagers?

Car insurance for teenagers costs $433 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 Denham Springs?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $324 per month to insure your car in Denham Springs.

Is car insurance expensive in Denham Springs?

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

What is the best car insurance in Denham Springs, LA?

The best car insurance company in Denham Springs LA is Louisiana Farm Bureau, offering $555 for a six-month policy.