Cheapest Car Insurance Quotes in Donaldsonville

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Donaldsonville 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 Donaldsonville

The car insurance rate in Donaldsonville is $1688 for a six-month policy, which is $181 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $545, making it a popular choice for budget-conscious drivers. Rates in Donaldsonville 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 Donaldsonville

$1688

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Donaldsonville

1st place: Louisiana Farm Bureau

At $545 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 $1191 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 $1238 for six months, making it the third cheapest auto insurance company in Donaldsonville.

Donaldsonville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Donaldsonville, LA is Louisiana Farm Bureau, offering policies at just $545 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1191.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2408 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Donaldsonville drivers find the best deals.

Cheap Car Insurance Companies in Donaldsonville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$545	$91
Farm Bureau	$1191	$200
Southern Farm Bureau	$1238	$206
USAA	$1609	$271
Progressive	$1770	$298
State Farm	$1876	$316
Safeway	$1969	$332
SafeAuto	$2116	$360
Encompass	$2163	$361
Allstate	$2408	$405

Key Takeaways

Way's key takeaways about car insurance in Donaldsonville

The auto insurance costs in Donaldsonville fall around $545 for six months.
The cheapest auto insurance company in Donaldsonville is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Donaldsonville at $140 per month.

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Cheapest Minimum Liability Car Insurance in Donaldsonville

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 Donaldsonville are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Donaldsonville. Their Average 6 Month Premium is $260. AAA is the most expensive at $539 for the same period.

Cheapest Liability Coverage in Donaldsonville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$260	$44
Farm Bureau	$405	$68
Southern Farm Bureau	$432	$72
State Farm	$532	$90
USAA	$532	$90
Progressive	$559	$94
Allstate	$725	$122
SafeAuto	$758	$129
Safeway	$799	$134
AAA	$539	$90

Cheapest Full Coverage Car Insurance in Donaldsonville

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 Donaldsonville is Louisiana Farm Bureau at $91 per month and $545 for six months.

Cheapest Full Coverage Car Insurance Quotes in Donaldsonville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$545	$91
Farm Bureau	$1191	$200
Southern Farm Bureau	$1238	$206
USAA	$1609	$271
Progressive	$1770	$298
State Farm	$1876	$316
Safeway	$1969	$332
SafeAuto	$2116	$360
Encompass	$2163	$361
Allstate	$2408	$405

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Average Car Insurance in Donaldsonville 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 Donaldsonville, LA increasing?

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

Car Insurance Premiums by Age in Donaldsonville

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	$1118
30s	USAA	$907
40s	USAA	$836
50s	USAA	$799
60s	USAA	$852
70s	USAA	$874

Cheapest Car Insurance Rates for Teen Drivers in Donaldsonville,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 Donaldsonville at $71 per month. At $825 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	$426	$71
Farm Bureau	$1869	$318
State Farm	$2401	$404
USAA	$3048	$519
Safeway	$4637	$773
Allstate	$4983	$847
Progressive	$5268	$887
AAA	$825	$140

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 Donaldsonville.

As young drivers face the highest rates in Donaldsonville, USAA offers the cheapest auto insurance rates at $1118 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 Donaldsonville, Louisiana Farm Bureau is the cheapest car insurance provider. At $466 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 Donaldsonville is State Farm, offering rates of around $7271 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$466	$80
Allstate	$1650	$276
Farm Bureau	$1723	$293
Safeway	$1923	$320
Progressive	$1942	$327
USAA	$2016	$336
State Farm	$7271	$1236

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Car Insurance Rates with An Accident in Donaldsonville

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

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

The cheapest car insurance companies after an at-fault accident in Donaldsonville include Louisiana Farm Bureau and State Farm, offering $339 and $1011, respectively. Allstate is an expensive provider with an average six-month premium of $1869.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$339	$56
State Farm	$1011	$170
Farm Bureau	$1231	$205
USAA	$1384	$233
Progressive	$1484	$250
Safeway	$1704	$287
Allstate	$1869	$315

Donaldsonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Donaldsonville LA. For example, the car insurance in Donaldsonville after a DUI increases to $1583 for a six month policy. While the rate increases by $459 for a six-month policy in the case of a speeding ticket.

Donaldsonville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1836	$306
One Med/PIP claim	$1836	$312
Two Med/PIP claims	$1856	$309
Not-at-fault accident	$1863	$317
One comp claim	$1869	$311
Two comp claims	$1936	$329
Failure to wear a seat belt	$2163	$361
Failure to show documents	$2188	$372
Child safety restraint	$2222	$371
Driving without lights	$2222	$377
Driving with expired registration	$2262	$377
Driving too slowly	$2295	$390
Speeding 11 - 15 MPH over limit	$2295	$383
Speeding 16 - 20 MPH over limit	$2295	$390
Speeding 6 - 10 MPH over limit	$2295	$383
Speeding in school zone	$2295	$390
In 65 MPH zone	$2302	$384
Cell phone violation	$2322	$394
Texting while driving	$2322	$388
Wrong way/wrong lane	$2322	$394
At-fault accident - less than $1000	$2335	$389
Failure to stop at a red light	$2335	$398
Failure to yield	$2335	$389
Following too closely	$2335	$398
Illegal turn	$2335	$389
Improper passing	$2335	$398
Passing school bus	$2355	$392
Speeding 21 - 25 MPH over limit	$2355	$401
Open container	$2421	$403
Operating a vehicle without permission	$2588	$440
At-fault accident - $1000-$2000	$2654	$442
At-fault accident - greater than $2000	$2654	$451
Reckless driving	$3207	$534
Refusal to submit to a chemical test	$3260	$554
DUI	$3419	$570
Racing	$3446	$586
Leaving scene of an accident/hit and run	$3473	$579
Driving with a suspended license	$3487	$592

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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 Donaldsonville 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 Donaldsonville.

The cheapest car insurance premiums in Donaldsonville are offered by Louisiana Farm Bureau at $373 for a six-month policy. However, it can be as expensive as $905 with companies like AAA.

Donaldsonville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$373	$64
Farm Bureau	$1277	$213
Southern Farm Bureau	$1537	$261
Progressive	$1749	$295
USAA	$2382	$401
Safeway	$2388	$402
State Farm	$2455	$413
Allstate	$2980	$502
AAA	$905	$153

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 Donaldsonville are offered by Louisiana Farm Bureau at $306. However, it can be as expensive as $2136 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Donaldsonville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$306	$52
State Farm	$1038	$175
Farm Bureau	$1091	$186
Progressive	$1450	$244
USAA	$1597	$271
Safeway	$1969	$328
Allstate	$2136	$363

Car Insurance Price Trends in Donaldsonville, Louisiana

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

The average cost of full coverage in the Donaldsonville rose by $339 in December compared to $335 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 Donaldsonville rose to $93 in December, compared to $85 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 Donaldsonville?

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

What is the cheapest car insurance in Donaldsonville?

The cheapest car insurance in Donaldsonville is $91 per month for full coverage.

How much is car insurance in Donaldsonville for teenagers?

Car insurance for teenagers costs $426 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 Donaldsonville?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $283 per month to insure your car in Donaldsonville.

Is car insurance expensive in Donaldsonville?

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

What is the best car insurance in Donaldsonville, LA?

The best car insurance company in Donaldsonville LA is Louisiana Farm Bureau, offering $545 for a six-month policy.