Cheapest Car Insurance Quotes in Forest Hill

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Forest Hill Car Insurance

^$ 38

/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 Forest Hill

The car insurance rate in Forest Hill is $1639 for a six-month policy, which is $51 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $472, making it a popular choice for budget-conscious drivers. Rates in Forest Hill 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 Forest Hill

$1639

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Forest Hill

1st place: Louisiana Farm Bureau

At $472 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 $1072 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1423 for six months, making it the third cheapest auto insurance company in Forest Hill.

Forest Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Forest Hill, LA is Louisiana Farm Bureau, offering policies at just $472 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1072.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2299 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Forest Hill drivers find the best deals.

Cheap Car Insurance Companies in Forest Hill, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$472	$81
Southern Farm Bureau	$1072	$178
USAA	$1423	$240
Progressive	$1601	$270
Farm Bureau	$1671	$281
State Farm	$1763	$297
Safeway	$1803	$304
SafeAuto	$1832	$306
Encompass	$1873	$318
Allstate	$2230	$375
AAA	$2299	$391

Key Takeaways

Way's key takeaways about car insurance in Forest Hill

The auto insurance costs in Forest Hill fall around $472 for six months.
The cheapest auto insurance company in Forest Hill is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Forest Hill at $1161 per month.

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Cheapest Minimum Liability Car Insurance in Forest Hill

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 Forest Hill are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Forest Hill. Their Average 6 Month Premium is $225. Safeway is the most expensive at $703 for the same period.

Cheapest Liability Coverage in Forest Hill, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$225	$38
Southern Farm Bureau	$374	$64
USAA	$472	$80
Progressive	$484	$81
State Farm	$507	$85
Farm Bureau	$582	$98
AAA	$599	$100
Allstate	$605	$102
SafeAuto	$657	$110
Safeway	$703	$118

Cheapest Full Coverage Car Insurance in Forest Hill

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 Forest Hill is Louisiana Farm Bureau at $81 per month and $472 for six months.

Cheapest Full Coverage Car Insurance Quotes in Forest Hill, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$472	$81
Southern Farm Bureau	$1072	$178
USAA	$1423	$240
Progressive	$1601	$270
Farm Bureau	$1671	$281
State Farm	$1763	$297
Safeway	$1803	$304
SafeAuto	$1832	$306
Encompass	$1873	$318
Allstate	$2230	$375
AAA	$2299	$391

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Average Car Insurance in Forest Hill 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 Forest Hill, LA increasing?

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

Car Insurance Premiums by Age in Forest Hill

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	$968
30s	USAA	$786
40s	USAA	$724
50s	USAA	$692
60s	USAA	$738
70s	USAA	$757

Cheapest Car Insurance Rates for Teen Drivers in Forest Hill,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 Forest Hill at $61 per month. At $6828 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	$369	$61
State Farm	$2806	$472
USAA	$2996	$500
Safeway	$4580	$779
Allstate	$5093	$849
Progressive	$5289	$890
Farm Bureau	$5993	$999
AAA	$6828	$1161

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 Forest Hill.

As young drivers face the highest rates in Forest Hill, USAA offers the cheapest auto insurance rates at $968 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 Forest Hill, Louisiana Farm Bureau is the cheapest car insurance provider. At $404 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 Forest Hill is State Farm, offering rates of around $8977 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$404	$69
Allstate	$1717	$286
Progressive	$1924	$324
USAA	$1954	$326
Safeway	$1959	$333
Farm Bureau	$3716	$620
AAA	$6522	$1109
State Farm	$8977	$1496

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Car Insurance Rates with An Accident in Forest Hill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Forest Hill

The cheapest car insurance companies after an at-fault accident in Forest Hill include Louisiana Farm Bureau and State Farm, offering $294 and $1152, respectively. AAA is an expensive provider with an average six-month premium of $3682.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$294	$49
State Farm	$1152	$194
USAA	$1297	$218
Progressive	$1423	$240
Safeway	$1660	$279
Farm Bureau	$1797	$306
Allstate	$1827	$307
AAA	$3682	$626

Forest Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Forest Hill LA. For example, the car insurance in Forest Hill after a DUI increases to $1371 for a six month policy. While the rate increases by $398 for a six-month policy in the case of a speeding ticket.

Forest Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1590	$265
One Med/PIP claim	$1590	$271
Two Med/PIP claims	$1607	$268
Not-at-fault accident	$1613	$275
One comp claim	$1619	$270
Two comp claims	$1677	$285
Failure to wear a seat belt	$1873	$312
Failure to show documents	$1895	$322
Child safety restraint	$1924	$321
Driving without lights	$1924	$327
Driving with expired registration	$1959	$327
Driving too slowly	$1988	$338
Speeding 11 - 15 MPH over limit	$1988	$332
Speeding 16 - 20 MPH over limit	$1988	$338
Speeding 6 - 10 MPH over limit	$1988	$332
Speeding in school zone	$1988	$338
In 65 MPH zone	$1993	$333
Cell phone violation	$2011	$341
Texting while driving	$2011	$336
Wrong way/wrong lane	$2011	$341
At-fault accident - less than $1000	$2022	$337
Failure to stop at a red light	$2022	$344
Failure to yield	$2022	$337
Following too closely	$2022	$344
Illegal turn	$2022	$337
Improper passing	$2022	$344
Passing school bus	$2040	$340
Speeding 21 - 25 MPH over limit	$2040	$347
Open container	$2097	$349
Operating a vehicle without permission	$2242	$381
At-fault accident - $1000-$2000	$2299	$383
At-fault accident - greater than $2000	$2299	$391
Reckless driving	$2777	$463
Refusal to submit to a chemical test	$2824	$480
DUI	$2961	$494
Racing	$2985	$507
Leaving scene of an accident/hit and run	$3008	$501
Driving with a suspended license	$3020	$513

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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 Forest Hill 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 Forest Hill.

The cheapest car insurance premiums in Forest Hill are offered by Louisiana Farm Bureau at $323 for a six-month policy. However, it can be as expensive as $3406 with companies like AAA.

Forest Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$323	$53
Southern Farm Bureau	$1331	$226
Progressive	$1625	$274
Farm Bureau	$1797	$306
USAA	$2195	$370
Safeway	$2270	$382
State Farm	$2530	$426
Allstate	$2777	$468
AAA	$3406	$567

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 Forest Hill are offered by Louisiana Farm Bureau at $265. However, it can be as expensive as $3198 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Forest Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$265	$45
State Farm	$1187	$200
Progressive	$1435	$242
USAA	$1556	$265
Farm Bureau	$1797	$300
Safeway	$1999	$340
Allstate	$2236	$372
AAA	$3198	$544

Car Insurance Price Trends in Forest Hill, Louisiana

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

The average cost of full coverage in the Forest Hill rose by $361 in January compared to $295 of December. In other words, there has been an increase by $66 when you compare January and December.

The average cost of liability insurance in the Forest Hill rose to $86 in January, compared to $82 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 Forest Hill?

The car insurance in Forest Hill is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Forest Hill?

The cheapest car insurance in Forest Hill is $81 per month for full coverage.

How much is car insurance in Forest Hill for teenagers?

Car insurance for teenagers costs $369 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 Forest Hill?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $275 per month to insure your car in Forest Hill.

Is car insurance expensive in Forest Hill?

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

What is the best car insurance in Forest Hill, LA?

The best car insurance company in Forest Hill LA is Louisiana Farm Bureau, offering $472 for a six-month policy.