Cheapest Car Insurance Quotes in Gretna

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Gretna Car Insurance

^$ 56

/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 Gretna

The car insurance rate in Gretna is $2155 for a six-month policy, which is $648 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $696, making it a popular choice for budget-conscious drivers. Rates in Gretna 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 Gretna

$2155

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Gretna

1st place: Louisiana Farm Bureau

At $696 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 $1520 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 $1580 for six months, making it the third cheapest auto insurance company in Gretna.

Gretna Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gretna, LA is Louisiana Farm Bureau, offering policies at just $696 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1520.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3075 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gretna drivers find the best deals.

Cheap Car Insurance Companies in Gretna, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$696	$116
Farm Bureau	$1520	$256
Southern Farm Bureau	$1580	$263
USAA	$2055	$346
Progressive	$2259	$380
State Farm	$2395	$403
Safeway	$2514	$423
SafeAuto	$2701	$459
Encompass	$2761	$460
Allstate	$3075	$518

Key Takeaways

Way's key takeaways about car insurance in Gretna

The auto insurance costs in Gretna fall around $696 for six months.
The cheapest auto insurance company in Gretna is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Gretna at $179 per month.

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Cheapest Minimum Liability Car Insurance in Gretna

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 Gretna are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Gretna. Their Average 6 Month Premium is $332. AAA is the most expensive at $688 for the same period.

Cheapest Liability Coverage in Gretna, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$332	$56
Farm Bureau	$518	$87
Southern Farm Bureau	$552	$92
State Farm	$679	$114
USAA	$679	$114
Progressive	$714	$120
Allstate	$925	$156
SafeAuto	$968	$164
Safeway	$1020	$172
AAA	$688	$114

Cheapest Full Coverage Car Insurance in Gretna

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 Gretna is Louisiana Farm Bureau at $116 per month and $696 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gretna, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$696	$116
Farm Bureau	$1520	$256
Southern Farm Bureau	$1580	$263
USAA	$2055	$346
Progressive	$2259	$380
State Farm	$2395	$403
Safeway	$2514	$423
SafeAuto	$2701	$459
Encompass	$2761	$460
Allstate	$3075	$518

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Average Car Insurance in Gretna 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 Gretna, LA increasing?

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

Car Insurance Premiums by Age in Gretna

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	$1427
30s	USAA	$1158
40s	USAA	$1067
50s	USAA	$1020
60s	USAA	$1088
70s	USAA	$1115

Cheapest Car Insurance Rates for Teen Drivers in Gretna,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 Gretna at $90 per month. At $1054 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	$543	$90
Farm Bureau	$2387	$406
State Farm	$3066	$516
USAA	$3891	$662
Safeway	$5920	$987
Allstate	$6362	$1081
Progressive	$6727	$1133
AAA	$1054	$179

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 Gretna.

As young drivers face the highest rates in Gretna, USAA offers the cheapest auto insurance rates at $1427 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 Gretna, Louisiana Farm Bureau is the cheapest car insurance provider. At $595 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 Gretna is State Farm, offering rates of around $9284 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$595	$102
Allstate	$2106	$352
Farm Bureau	$2199	$375
Safeway	$2455	$409
Progressive	$2480	$418
USAA	$2574	$429
State Farm	$9284	$1579

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Car Insurance Rates with An Accident in Gretna

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

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

The cheapest car insurance companies after an at-fault accident in Gretna include Louisiana Farm Bureau and State Farm, offering $433 and $1291, respectively. Allstate is an expensive provider with an average six-month premium of $2387.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$433	$72
State Farm	$1291	$217
Farm Bureau	$1572	$262
USAA	$1767	$297
Progressive	$1895	$319
Safeway	$2175	$366
Allstate	$2387	$402

Gretna Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gretna LA. For example, the car insurance in Gretna after a DUI increases to $2022 for a six month policy. While the rate increases by $586 for a six-month policy in the case of a speeding ticket.

Gretna auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2344	$390
One Med/PIP claim	$2344	$399
Two Med/PIP claims	$2370	$395
Not-at-fault accident	$2378	$405
One comp claim	$2387	$398
Two comp claims	$2472	$420
Failure to wear a seat belt	$2761	$460
Failure to show documents	$2794	$475
Child safety restraint	$2837	$473
Driving without lights	$2837	$482
Driving with expired registration	$2889	$482
Driving too slowly	$2930	$498
Speeding 11 - 15 MPH over limit	$2930	$489
Speeding 16 - 20 MPH over limit	$2930	$498
Speeding 6 - 10 MPH over limit	$2930	$489
Speeding in school zone	$2930	$498
In 65 MPH zone	$2939	$490
Cell phone violation	$2964	$503
Texting while driving	$2964	$495
Wrong way/wrong lane	$2964	$503
At-fault accident - less than $1000	$2982	$496
Failure to stop at a red light	$2982	$508
Failure to yield	$2982	$496
Following too closely	$2982	$508
Illegal turn	$2982	$496
Improper passing	$2982	$508
Passing school bus	$3007	$501
Speeding 21 - 25 MPH over limit	$3007	$512
Open container	$3092	$515
Operating a vehicle without permission	$3305	$562
At-fault accident - $1000-$2000	$3389	$565
At-fault accident - greater than $2000	$3389	$576
Reckless driving	$4094	$682
Refusal to submit to a chemical test	$4163	$708
DUI	$4366	$728
Racing	$4400	$748
Leaving scene of an accident/hit and run	$4434	$739
Driving with a suspended license	$4452	$756

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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 Gretna 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 Gretna.

The cheapest car insurance premiums in Gretna are offered by Louisiana Farm Bureau at $476 for a six-month policy. However, it can be as expensive as $1155 with companies like AAA.

Gretna car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$476	$82
Farm Bureau	$1630	$272
Southern Farm Bureau	$1962	$333
Progressive	$2234	$376
USAA	$3042	$512
Safeway	$3049	$513
State Farm	$3135	$528
Allstate	$3805	$641
AAA	$1155	$196

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 Gretna are offered by Louisiana Farm Bureau at $390. However, it can be as expensive as $2727 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Gretna after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$390	$66
State Farm	$1326	$223
Farm Bureau	$1393	$237
Progressive	$1852	$312
USAA	$2039	$346
Safeway	$2514	$419
Allstate	$2727	$463

Car Insurance Price Trends in Gretna, Louisiana

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

The average cost of full coverage in the Gretna rose by $433 in December compared to $428 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Gretna rose to $119 in December, compared to $109 in November. This represents an increase of $10 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Gretna?

The car insurance in Gretna is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Gretna?

The cheapest car insurance in Gretna is $116 per month for full coverage.

How much is car insurance in Gretna for teenagers?

Car insurance for teenagers costs $543 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 Gretna?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $362 per month to insure your car in Gretna.

Is car insurance expensive in Gretna?

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

What is the best car insurance in Gretna, LA?

The best car insurance company in Gretna LA is Louisiana Farm Bureau, offering $696 for a six-month policy.