Cheapest Car Insurance Quotes in Des Allemands

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Des Allemands Car Insurance

^$ 39

/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 Des Allemands

The car insurance rate in Des Allemands is $1507 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $487, making it a popular choice for budget-conscious drivers. Rates in Des Allemands 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 Des Allemands

$1507

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Des Allemands

1st place: Louisiana Farm Bureau

At $487 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 $1063 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 $1105 for six months, making it the third cheapest auto insurance company in Des Allemands.

Des Allemands Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Des Allemands, LA is Louisiana Farm Bureau, offering policies at just $487 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1063.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2150 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Des Allemands drivers find the best deals.

Cheap Car Insurance Companies in Des Allemands, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$487	$81
Farm Bureau	$1063	$179
Southern Farm Bureau	$1105	$184
USAA	$1437	$242
Progressive	$1580	$266
State Farm	$1675	$282
Safeway	$1758	$296
SafeAuto	$1889	$321
Encompass	$1931	$322
Allstate	$2150	$362

Key Takeaways

Way's key takeaways about car insurance in Des Allemands

The auto insurance costs in Des Allemands fall around $487 for six months.
The cheapest auto insurance company in Des Allemands is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Des Allemands at $125 per month.

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Cheapest Minimum Liability Car Insurance in Des Allemands

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 Des Allemands are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Des Allemands. Their Average 6 Month Premium is $232. AAA is the most expensive at $481 for the same period.

Cheapest Liability Coverage in Des Allemands, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$232	$39
Farm Bureau	$362	$61
Southern Farm Bureau	$386	$64
State Farm	$475	$80
USAA	$475	$80
Progressive	$499	$84
Allstate	$647	$109
SafeAuto	$677	$115
Safeway	$713	$120
AAA	$481	$80

Cheapest Full Coverage Car Insurance in Des Allemands

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 Des Allemands is Louisiana Farm Bureau at $81 per month and $487 for six months.

Cheapest Full Coverage Car Insurance Quotes in Des Allemands, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$487	$81
Farm Bureau	$1063	$179
Southern Farm Bureau	$1105	$184
USAA	$1437	$242
Progressive	$1580	$266
State Farm	$1675	$282
Safeway	$1758	$296
SafeAuto	$1889	$321
Encompass	$1931	$322
Allstate	$2150	$362

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Average Car Insurance in Des Allemands 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 Des Allemands, LA increasing?

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

Car Insurance Premiums by Age in Des Allemands

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	$998
30s	USAA	$810
40s	USAA	$746
50s	USAA	$713
60s	USAA	$761
70s	USAA	$780

Cheapest Car Insurance Rates for Teen Drivers in Des Allemands,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 Des Allemands at $63 per month. At $737 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	$380	$63
Farm Bureau	$1669	$284
State Farm	$2144	$361
USAA	$2721	$463
Safeway	$4140	$690
Allstate	$4449	$756
Progressive	$4704	$792
AAA	$737	$125

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 Des Allemands.

As young drivers face the highest rates in Des Allemands, USAA offers the cheapest auto insurance rates at $998 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 Des Allemands, Louisiana Farm Bureau is the cheapest car insurance provider. At $416 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 Des Allemands is State Farm, offering rates of around $6492 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$416	$71
Allstate	$1473	$246
Farm Bureau	$1538	$262
Safeway	$1717	$286
Progressive	$1734	$292
USAA	$1800	$300
State Farm	$6492	$1104

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Car Insurance Rates with An Accident in Des Allemands

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

Cheapest Car Insurance Companies after an At-Fault Accident in Des Allemands

The cheapest car insurance companies after an at-fault accident in Des Allemands include Louisiana Farm Bureau and State Farm, offering $303 and $903, respectively. Allstate is an expensive provider with an average six-month premium of $1669.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$303	$50
State Farm	$903	$152
Farm Bureau	$1099	$183
USAA	$1236	$208
Progressive	$1325	$223
Safeway	$1521	$256
Allstate	$1669	$281

Des Allemands Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Des Allemands LA. For example, the car insurance in Des Allemands after a DUI increases to $1414 for a six month policy. While the rate increases by $410 for a six-month policy in the case of a speeding ticket.

Des Allemands auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1639	$273
One Med/PIP claim	$1639	$279
Two Med/PIP claims	$1657	$276
Not-at-fault accident	$1663	$283
One comp claim	$1669	$278
Two comp claims	$1729	$294
Failure to wear a seat belt	$1931	$322
Failure to show documents	$1954	$332
Child safety restraint	$1984	$331
Driving without lights	$1984	$337
Driving with expired registration	$2020	$337
Driving too slowly	$2049	$348
Speeding 11 - 15 MPH over limit	$2049	$342
Speeding 16 - 20 MPH over limit	$2049	$348
Speeding 6 - 10 MPH over limit	$2049	$342
Speeding in school zone	$2049	$348
In 65 MPH zone	$2055	$343
Cell phone violation	$2073	$352
Texting while driving	$2073	$346
Wrong way/wrong lane	$2073	$352
At-fault accident - less than $1000	$2085	$347
Failure to stop at a red light	$2085	$355
Failure to yield	$2085	$347
Following too closely	$2085	$355
Illegal turn	$2085	$347
Improper passing	$2085	$355
Passing school bus	$2103	$350
Speeding 21 - 25 MPH over limit	$2103	$358
Open container	$2162	$360
Operating a vehicle without permission	$2311	$393
At-fault accident - $1000-$2000	$2370	$395
At-fault accident - greater than $2000	$2370	$403
Reckless driving	$2863	$477
Refusal to submit to a chemical test	$2911	$495
DUI	$3053	$509
Racing	$3077	$523
Leaving scene of an accident/hit and run	$3101	$517
Driving with a suspended license	$3113	$529

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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 Des Allemands 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 Des Allemands.

The cheapest car insurance premiums in Des Allemands are offered by Louisiana Farm Bureau at $333 for a six-month policy. However, it can be as expensive as $808 with companies like AAA.

Des Allemands car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$333	$57
Farm Bureau	$1140	$190
Southern Farm Bureau	$1372	$233
Progressive	$1562	$263
USAA	$2127	$358
Safeway	$2132	$359
State Farm	$2192	$369
Allstate	$2661	$448
AAA	$808	$137

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 Des Allemands are offered by Louisiana Farm Bureau at $273. However, it can be as expensive as $1907 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Des Allemands after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$273	$46
State Farm	$927	$156
Farm Bureau	$974	$166
Progressive	$1295	$218
USAA	$1426	$242
Safeway	$1758	$293
Allstate	$1907	$324

Car Insurance Price Trends in Des Allemands, Louisiana

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

The average cost of full coverage in the Des Allemands rose by $303 in December compared to $299 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 Des Allemands rose to $83 in December, compared to $76 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Des Allemands?

The car insurance in Des Allemands is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Des Allemands?

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

How much is car insurance in Des Allemands for teenagers?

Car insurance for teenagers costs $380 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 Des Allemands?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $253 per month to insure your car in Des Allemands.

Is car insurance expensive in Des Allemands?

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

What is the best car insurance in Des Allemands, LA?

The best car insurance company in Des Allemands LA is Louisiana Farm Bureau, offering $487 for a six-month policy.