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Finding the cheapest car insurance quotes in Fort Johnson shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Fort Johnson
The car insurance rate in Fort Johnson is $1221 for a six-month policy, which is $286 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, making it a popular choice for budget-conscious drivers. Rates in Fort Johnson 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.
At $394 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 $861 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 $895
for six months, making it
the third cheapest auto insurance company in Fort Johnson.
Fort Johnson Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Fort Johnson, LA is Louisiana Farm Bureau, offering policies at just $394 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $861.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1742 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Johnson drivers find the best deals.
Way's key takeaways about car insurance in Fort Johnson
The auto insurance costs in Fort Johnson fall around $394 for six
months.
The cheapest auto insurance company in Fort Johnson is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Fort Johnson at $101 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Fort Johnson
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 Fort Johnson are given below.
Louisiana Farm Bureau provides
the cheapest minimum car insurance
coverage in Fort Johnson. Their Average 6 Month Premium is $188.
AAA is the most
expensive at $390 for the same
period.
Cheapest Full Coverage Car Insurance in Fort Johnson
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 Fort Johnson is Louisiana Farm Bureau
at $66 per month and $394
for six months.
Cheapest Full Coverage Car Insurance Quotes in Fort Johnson,
LA
Get Your Car Insurance Quote in Fort Johnson
Instantly!
Average Car Insurance in Fort Johnson 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 Fort Johnson, LA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Fort Johnson, 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, Fort Johnson's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Fort Johnson
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
$808
30s
USAA
$656
40s
USAA
$604
50s
USAA
$578
60s
USAA
$616
70s
USAA
$632
Cheapest Car Insurance Rates for Teen Drivers in
Fort Johnson,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 Fort Johnson at $51
per
month. At $597 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Fort Johnson.
As young drivers face the highest rates in Fort Johnson, USAA
offers the cheapest auto insurance rates at $808 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 Fort Johnson,
Louisiana Farm Bureau is
the cheapest car insurance provider. At $337 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
Fort Johnson is State Farm, offering
rates of around $5259 for six
months.
Save up to $971/yr on car insurance rates in Fort Johnson.
Car Insurance Rates with An Accident in Fort Johnson
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 Fort Johnson, LA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Fort Johnson
The cheapest car insurance companies after an at-fault accident in
Fort Johnson include Louisiana Farm Bureau
and State Farm, offering $245
and $731,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1352.
Here is a list of driving violations that can increase your car
insurance rates in Fort Johnson LA. For example, the car
insurance in Fort Johnson
after a DUI increases to $1145 for a six
month policy. While the rate increases by $332 for a six-month policy in the case of
a speeding ticket.
Fort Johnson auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1328
$221
One Med/PIP claim
$1328
$226
Two Med/PIP claims
$1342
$224
Not-at-fault accident
$1347
$229
One comp claim
$1352
$225
Two comp claims
$1400
$238
Failure to wear a seat belt
$1564
$261
Failure to show documents
$1583
$269
Child safety restraint
$1607
$268
Driving without lights
$1607
$273
Driving with expired registration
$1636
$273
Driving too slowly
$1660
$282
Speeding 11 - 15 MPH over limit
$1660
$277
Speeding 16 - 20 MPH over limit
$1660
$282
Speeding 6 - 10 MPH over limit
$1660
$277
Speeding in school zone
$1660
$282
In 65 MPH zone
$1665
$278
Cell phone violation
$1679
$285
Texting while driving
$1679
$280
Wrong way/wrong lane
$1679
$285
At-fault accident - less than $1000
$1689
$281
Failure to stop at a red light
$1689
$288
Failure to yield
$1689
$281
Following too closely
$1689
$288
Illegal turn
$1689
$281
Improper passing
$1689
$288
Passing school bus
$1703
$284
Speeding 21 - 25 MPH over limit
$1703
$290
Open container
$1751
$292
Operating a vehicle without permission
$1872
$318
At-fault accident - $1000-$2000
$1920
$320
At-fault accident - greater than $2000
$1920
$326
Reckless driving
$2319
$386
Refusal to submit to a chemical test
$2358
$401
DUI
$2473
$412
Racing
$2492
$424
Leaving scene of an accident/hit and run
$2512
$419
Driving with a suspended license
$2522
$428
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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 Fort Johnson 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 Fort Johnson.
The cheapest car insurance premiums in
Fort Johnson are
offered by Louisiana Farm Bureau at $270 for a six-month policy.
However, it can be as
expensive as $654 with companies
like AAA.
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 Fort Johnson are offered by Louisiana Farm Bureau
at $221. However,
it can be as expensive as $1545
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Fort Johnson after Speeding ticket
Car Insurance Price Trends in Fort Johnson,
Louisiana
Car insurance rates in Fort Johnson have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Fort Johnson rose by
$245 in December
compared to $242 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Fort Johnson rose to $67 in December,
compared to $62 in November.
This represents an increase of $5
when comparing December and November.
Average Car Insurance Cost in Fort Johnson by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Fort Johnson. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Fort Johnson?
The car insurance in Fort Johnson is $32 per month, which is lower than the national average.
What is the cheapest car insurance in Fort Johnson?
The cheapest car insurance in Fort Johnson
is $66 per month
for full coverage.
How much is car insurance in Fort Johnson for teenagers?
Car insurance for teenagers costs $308 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
Fort Johnson?
The average cost of car insurance is $1507 for a six-month
policy. It will cost around $205 per month to insure your
car in Fort Johnson.
Is car insurance expensive in Fort Johnson?
Car insurance can be expensive in Fort Johnson if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Fort Johnson can be
affordable.
What is the best car insurance in Fort Johnson,
LA?
The best car insurance company in Fort Johnson
LA is
Louisiana Farm Bureau, offering $394 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Fort Johnson, LA
Car Insurance Rates by State in the USA (2025 Update)
Fort Johnson Car Insurance
