Cheapest Car Insurance Quotes in Gloster

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Gloster Car Insurance

^$ 35

/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 Gloster

The car insurance rate in Gloster is $1504 for a six-month policy, which is $186 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $433, making it a popular choice for budget-conscious drivers. Rates in Gloster 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 Gloster

$1504

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Gloster

1st place: Louisiana Farm Bureau

At $433 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 $983 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1306 for six months, making it the third cheapest auto insurance company in Gloster.

Gloster Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gloster, LA is Louisiana Farm Bureau, offering policies at just $433 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $983.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2109 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gloster drivers find the best deals.

Cheap Car Insurance Companies in Gloster, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$433	$74
Southern Farm Bureau	$983	$164
USAA	$1306	$220
Progressive	$1469	$247
Farm Bureau	$1533	$258
State Farm	$1618	$272
Safeway	$1655	$279
SafeAuto	$1681	$280
Encompass	$1719	$292
Allstate	$2046	$344
AAA	$2109	$359

Key Takeaways

Way's key takeaways about car insurance in Gloster

The auto insurance costs in Gloster fall around $433 for six months.
The cheapest auto insurance company in Gloster is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Gloster at $1065 per month.

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Cheapest Minimum Liability Car Insurance in Gloster

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 Gloster are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Gloster. Their Average 6 Month Premium is $206. Safeway is the most expensive at $645 for the same period.

Cheapest Liability Coverage in Gloster, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$206	$35
Southern Farm Bureau	$344	$59
USAA	$433	$73
Progressive	$444	$75
State Farm	$465	$78
Farm Bureau	$534	$90
AAA	$550	$92
Allstate	$555	$93
SafeAuto	$603	$101
Safeway	$645	$109

Cheapest Full Coverage Car Insurance in Gloster

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 Gloster is Louisiana Farm Bureau at $74 per month and $433 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gloster, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$433	$74
Southern Farm Bureau	$983	$164
USAA	$1306	$220
Progressive	$1469	$247
Farm Bureau	$1533	$258
State Farm	$1618	$272
Safeway	$1655	$279
SafeAuto	$1681	$280
Encompass	$1719	$292
Allstate	$2046	$344
AAA	$2109	$359

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Average Car Insurance in Gloster 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 Gloster, LA increasing?

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

Car Insurance Premiums by Age in Gloster

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	$888
30s	USAA	$721
40s	USAA	$664
50s	USAA	$635
60s	USAA	$677
70s	USAA	$694

Cheapest Car Insurance Rates for Teen Drivers in Gloster,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 Gloster at $56 per month. At $6265 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	$338	$56
State Farm	$2575	$433
USAA	$2749	$458
Safeway	$4203	$715
Allstate	$4673	$779
Progressive	$4853	$817
Farm Bureau	$5498	$917
AAA	$6265	$1065

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 Gloster.

As young drivers face the highest rates in Gloster, USAA offers the cheapest auto insurance rates at $888 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 Gloster, Louisiana Farm Bureau is the cheapest car insurance provider. At $370 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 Gloster is State Farm, offering rates of around $8237 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$370	$63
Allstate	$1575	$263
Progressive	$1766	$297
USAA	$1792	$299
Safeway	$1798	$305
Farm Bureau	$3410	$569
AAA	$5984	$1017
State Farm	$8237	$1372

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Car Insurance Rates with An Accident in Gloster

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

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

The cheapest car insurance companies after an at-fault accident in Gloster include Louisiana Farm Bureau and State Farm, offering $270 and $1057, respectively. AAA is an expensive provider with an average six-month premium of $3378.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$270	$45
State Farm	$1057	$178
USAA	$1190	$200
Progressive	$1306	$220
Safeway	$1523	$256
Farm Bureau	$1649	$280
Allstate	$1676	$282
AAA	$3378	$574

Gloster Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gloster LA. For example, the car insurance in Gloster after a DUI increases to $1258 for a six month policy. While the rate increases by $365 for a six-month policy in the case of a speeding ticket.

Gloster auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1459	$243
One Med/PIP claim	$1459	$248
Two Med/PIP claims	$1475	$246
Not-at-fault accident	$1480	$252
One comp claim	$1485	$247
Two comp claims	$1539	$262
Failure to wear a seat belt	$1719	$287
Failure to show documents	$1739	$295
Child safety restraint	$1766	$295
Driving without lights	$1766	$300
Driving with expired registration	$1798	$300
Driving too slowly	$1824	$310
Speeding 11 - 15 MPH over limit	$1824	$304
Speeding 16 - 20 MPH over limit	$1824	$310
Speeding 6 - 10 MPH over limit	$1824	$304
Speeding in school zone	$1824	$310
In 65 MPH zone	$1829	$305
Cell phone violation	$1845	$313
Texting while driving	$1845	$308
Wrong way/wrong lane	$1845	$313
At-fault accident - less than $1000	$1856	$309
Failure to stop at a red light	$1856	$316
Failure to yield	$1856	$309
Following too closely	$1856	$316
Illegal turn	$1856	$309
Improper passing	$1856	$316
Passing school bus	$1872	$312
Speeding 21 - 25 MPH over limit	$1872	$319
Open container	$1924	$320
Operating a vehicle without permission	$2057	$350
At-fault accident - $1000-$2000	$2109	$352
At-fault accident - greater than $2000	$2109	$359
Reckless driving	$2548	$425
Refusal to submit to a chemical test	$2591	$441
DUI	$2717	$453
Racing	$2739	$465
Leaving scene of an accident/hit and run	$2760	$460
Driving with a suspended license	$2771	$471

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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 Gloster 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 Gloster.

The cheapest car insurance premiums in Gloster are offered by Louisiana Farm Bureau at $296 for a six-month policy. However, it can be as expensive as $3125 with companies like AAA.

Gloster car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$296	$49
Southern Farm Bureau	$1221	$207
Progressive	$1491	$251
Farm Bureau	$1649	$280
USAA	$2014	$339
Safeway	$2083	$351
State Farm	$2321	$391
Allstate	$2548	$429
AAA	$3125	$521

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 Gloster are offered by Louisiana Farm Bureau at $243. However, it can be as expensive as $2934 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Gloster after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$243	$41
State Farm	$1089	$183
Progressive	$1316	$222
USAA	$1428	$243
Farm Bureau	$1649	$275
Safeway	$1834	$312
Allstate	$2051	$342
AAA	$2934	$499

Car Insurance Price Trends in Gloster, Louisiana

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

The average cost of full coverage in the Gloster rose by $331 in January compared to $271 of December. In other words, there has been an increase by $60 when you compare January and December.

The average cost of liability insurance in the Gloster rose to $79 in January, compared to $76 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Gloster?

The car insurance in Gloster is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Gloster?

The cheapest car insurance in Gloster is $74 per month for full coverage.

How much is car insurance in Gloster for teenagers?

Car insurance for teenagers costs $338 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 Gloster?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $253 per month to insure your car in Gloster.

Is car insurance expensive in Gloster?

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

What is the best car insurance in Gloster, LA?

The best car insurance company in Gloster LA is Louisiana Farm Bureau, offering $433 for a six-month policy.