Cheapest Car Insurance Quotes in Estelle

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Estelle Car Insurance

^$ 55

/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 Estelle

The car insurance rate in Estelle is $2383 for a six-month policy, which is $693 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $687, making it a popular choice for budget-conscious drivers. Rates in Estelle 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 Estelle

$2383

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Estelle

1st place: Louisiana Farm Bureau

At $687 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 $1558 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $2068 for six months, making it the third cheapest auto insurance company in Estelle.

Estelle Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Estelle, LA is Louisiana Farm Bureau, offering policies at just $687 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1558.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $3342 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Estelle drivers find the best deals.

Cheap Car Insurance Companies in Estelle, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$687	$117
Southern Farm Bureau	$1558	$259
USAA	$2068	$348
Progressive	$2328	$392
Farm Bureau	$2429	$409
State Farm	$2563	$431
Safeway	$2621	$441
SafeAuto	$2663	$444
Encompass	$2723	$462
Allstate	$3242	$546
AAA	$3342	$568

Key Takeaways

Way's key takeaways about car insurance in Estelle

The auto insurance costs in Estelle fall around $687 for six months.
The cheapest auto insurance company in Estelle is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Estelle at $1688 per month.

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Cheapest Minimum Liability Car Insurance in Estelle

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 Estelle are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Estelle. Their Average 6 Month Premium is $327. Safeway is the most expensive at $1022 for the same period.

Cheapest Liability Coverage in Estelle, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$327	$55
Southern Farm Bureau	$544	$93
USAA	$687	$116
Progressive	$704	$118
State Farm	$737	$124
Farm Bureau	$846	$142
AAA	$871	$145
Allstate	$880	$148
SafeAuto	$955	$159
Safeway	$1022	$172

Cheapest Full Coverage Car Insurance in Estelle

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 Estelle is Louisiana Farm Bureau at $117 per month and $687 for six months.

Cheapest Full Coverage Car Insurance Quotes in Estelle, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$687	$117
Southern Farm Bureau	$1558	$259
USAA	$2068	$348
Progressive	$2328	$392
Farm Bureau	$2429	$409
State Farm	$2563	$431
Safeway	$2621	$441
SafeAuto	$2663	$444
Encompass	$2723	$462
Allstate	$3242	$546
AAA	$3342	$568

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Average Car Insurance in Estelle 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 Estelle, LA increasing?

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

Car Insurance Premiums by Age in Estelle

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	$1407
30s	USAA	$1142
40s	USAA	$1052
50s	USAA	$1005
60s	USAA	$1073
70s	USAA	$1100

Cheapest Car Insurance Rates for Teen Drivers in Estelle,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 Estelle at $89 per month. At $9925 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	$536	$89
State Farm	$4079	$687
USAA	$4355	$726
Safeway	$6658	$1132
Allstate	$7404	$1234
Progressive	$7689	$1294
Farm Bureau	$8711	$1452
AAA	$9925	$1688

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 Estelle.

As young drivers face the highest rates in Estelle, USAA offers the cheapest auto insurance rates at $1407 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 Estelle, Louisiana Farm Bureau is the cheapest car insurance provider. At $587 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 Estelle is State Farm, offering rates of around $13050 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$587	$100
Allstate	$2496	$416
Progressive	$2797	$471
USAA	$2840	$474
Safeway	$2848	$484
Farm Bureau	$5402	$901
AAA	$9481	$1612
State Farm	$13050	$2174

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Car Insurance Rates with An Accident in Estelle

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

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

The cheapest car insurance companies after an at-fault accident in Estelle include Louisiana Farm Bureau and State Farm, offering $427 and $1675, respectively. AAA is an expensive provider with an average six-month premium of $5352.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$427	$71
State Farm	$1675	$282
USAA	$1885	$317
Progressive	$2068	$348
Safeway	$2413	$406
Farm Bureau	$2613	$444
Allstate	$2655	$447
AAA	$5352	$909

Estelle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Estelle LA. For example, the car insurance in Estelle after a DUI increases to $1994 for a six month policy. While the rate increases by $578 for a six-month policy in the case of a speeding ticket.

Estelle auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2311	$385
One Med/PIP claim	$2311	$393
Two Med/PIP claims	$2336	$389
Not-at-fault accident	$2345	$399
One comp claim	$2353	$392
Two comp claims	$2438	$415
Failure to wear a seat belt	$2723	$454
Failure to show documents	$2755	$468
Child safety restraint	$2797	$467
Driving without lights	$2797	$475
Driving with expired registration	$2848	$475
Driving too slowly	$2889	$491
Speeding 11 - 15 MPH over limit	$2889	$482
Speeding 16 - 20 MPH over limit	$2889	$491
Speeding 6 - 10 MPH over limit	$2889	$482
Speeding in school zone	$2889	$491
In 65 MPH zone	$2898	$484
Cell phone violation	$2923	$496
Texting while driving	$2923	$488
Wrong way/wrong lane	$2923	$496
At-fault accident - less than $1000	$2940	$489
Failure to stop at a red light	$2940	$501
Failure to yield	$2940	$489
Following too closely	$2940	$501
Illegal turn	$2940	$489
Improper passing	$2940	$501
Passing school bus	$2965	$494
Speeding 21 - 25 MPH over limit	$2965	$505
Open container	$3048	$508
Operating a vehicle without permission	$3259	$554
At-fault accident - $1000-$2000	$3342	$557
At-fault accident - greater than $2000	$3342	$568
Reckless driving	$4037	$673
Refusal to submit to a chemical test	$4105	$698
DUI	$4305	$718
Racing	$4339	$737
Leaving scene of an accident/hit and run	$4372	$729
Driving with a suspended license	$4389	$746

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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 Estelle 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 Estelle.

The cheapest car insurance premiums in Estelle are offered by Louisiana Farm Bureau at $470 for a six-month policy. However, it can be as expensive as $4951 with companies like AAA.

Estelle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$470	$78
Southern Farm Bureau	$1935	$329
Progressive	$2362	$398
Farm Bureau	$2613	$444
USAA	$3191	$537
Safeway	$3299	$556
State Farm	$3677	$619
Allstate	$4037	$680
AAA	$4951	$825

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 Estelle are offered by Louisiana Farm Bureau at $385. However, it can be as expensive as $4649 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Estelle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$385	$65
State Farm	$1726	$290
Progressive	$2085	$351
USAA	$2262	$385
Farm Bureau	$2613	$436
Safeway	$2906	$494
Allstate	$3250	$541
AAA	$4649	$791

Car Insurance Price Trends in Estelle, Louisiana

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

The average cost of full coverage in the Estelle rose by $525 in January compared to $429 of December. In other words, there has been an increase by $96 when you compare January and December.

The average cost of liability insurance in the Estelle rose to $125 in January, compared to $120 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 Estelle?

The car insurance in Estelle is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Estelle?

The cheapest car insurance in Estelle is $117 per month for full coverage.

How much is car insurance in Estelle for teenagers?

Car insurance for teenagers costs $536 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 Estelle?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $400 per month to insure your car in Estelle.

Is car insurance expensive in Estelle?

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

What is the best car insurance in Estelle, LA?

The best car insurance company in Estelle LA is Louisiana Farm Bureau, offering $687 for a six-month policy.