Cheapest Car Insurance Quotes in Garyville

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Garyville 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 Garyville

The car insurance rate in Garyville is $1893 for a six-month policy, which is $203 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 Garyville 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 Garyville

$1893

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Garyville

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: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1238 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1643 for six months, making it the third cheapest auto insurance company in Garyville.

Garyville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Garyville, LA is Louisiana Farm Bureau, offering policies at just $545 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1238.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2654 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Garyville drivers find the best deals.

Cheap Car Insurance Companies in Garyville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$545	$93
Southern Farm Bureau	$1238	$206
USAA	$1643	$277
Progressive	$1849	$311
Farm Bureau	$1930	$325
State Farm	$2036	$343
Safeway	$2082	$351
SafeAuto	$2116	$353
Encompass	$2163	$367
Allstate	$2575	$433
AAA	$2654	$451

Key Takeaways

Way's key takeaways about car insurance in Garyville

The auto insurance costs in Garyville fall around $545 for six months.
The cheapest auto insurance company in Garyville is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Garyville at $1341 per month.

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Cheapest Minimum Liability Car Insurance in Garyville

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 Garyville are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Garyville. Their Average 6 Month Premium is $260. Safeway is the most expensive at $812 for the same period.

Cheapest Liability Coverage in Garyville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$260	$44
Southern Farm Bureau	$432	$74
USAA	$545	$92
Progressive	$559	$94
State Farm	$586	$99
Farm Bureau	$672	$113
AAA	$692	$115
Allstate	$699	$118
SafeAuto	$758	$127
Safeway	$812	$137

Cheapest Full Coverage Car Insurance in Garyville

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 Garyville is Louisiana Farm Bureau at $93 per month and $545 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garyville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$545	$93
Southern Farm Bureau	$1238	$206
USAA	$1643	$277
Progressive	$1849	$311
Farm Bureau	$1930	$325
State Farm	$2036	$343
Safeway	$2082	$351
SafeAuto	$2116	$353
Encompass	$2163	$367
Allstate	$2575	$433
AAA	$2654	$451

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Average Car Insurance in Garyville 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 Garyville, LA increasing?

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

Car Insurance Premiums by Age in Garyville

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 Garyville,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 Garyville at $71 per month. At $7884 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
State Farm	$3240	$545
USAA	$3460	$577
Safeway	$5289	$899
Allstate	$5881	$980
Progressive	$6107	$1028
Farm Bureau	$6919	$1154
AAA	$7884	$1341

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 Garyville.

As young drivers face the highest rates in Garyville, 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 Garyville, 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 Garyville is State Farm, offering rates of around $10366 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$466	$80
Allstate	$1982	$330
Progressive	$2222	$374
USAA	$2256	$376
Safeway	$2262	$384
Farm Bureau	$4291	$716
AAA	$7531	$1280
State Farm	$10366	$1727

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Car Insurance Rates with An Accident in Garyville

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

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

The cheapest car insurance companies after an at-fault accident in Garyville include Louisiana Farm Bureau and State Farm, offering $339 and $1331, respectively. AAA is an expensive provider with an average six-month premium of $4252.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$339	$56
State Farm	$1331	$224
USAA	$1497	$252
Progressive	$1643	$277
Safeway	$1916	$323
Farm Bureau	$2075	$353
Allstate	$2109	$355
AAA	$4252	$722

Garyville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garyville LA. For example, the car insurance in Garyville 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.

Garyville 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 Garyville 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 Garyville.

The cheapest car insurance premiums in Garyville are offered by Louisiana Farm Bureau at $373 for a six-month policy. However, it can be as expensive as $3932 with companies like AAA.

Garyville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$373	$62
Southern Farm Bureau	$1537	$261
Progressive	$1876	$316
Farm Bureau	$2075	$353
USAA	$2535	$427
Safeway	$2621	$441
State Farm	$2921	$492
Allstate	$3207	$540
AAA	$3932	$655

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 Garyville are offered by Louisiana Farm Bureau at $306. However, it can be as expensive as $3693 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Garyville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$306	$52
State Farm	$1371	$231
Progressive	$1656	$279
USAA	$1796	$306
Farm Bureau	$2075	$346
Safeway	$2308	$392
Allstate	$2582	$430
AAA	$3693	$628

Car Insurance Price Trends in Garyville, Louisiana

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

The average cost of full coverage in the Garyville rose by $417 in January compared to $340 of December. In other words, there has been an increase by $77 when you compare January and December.

The average cost of liability insurance in the Garyville rose to $100 in January, compared to $95 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 Garyville?

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

What is the cheapest car insurance in Garyville?

The cheapest car insurance in Garyville is $93 per month for full coverage.

How much is car insurance in Garyville 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 Garyville?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $318 per month to insure your car in Garyville.

Is car insurance expensive in Garyville?

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

What is the best car insurance in Garyville, LA?

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