Cheapest Car Insurance Quotes in Harahan

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Harahan Car Insurance

^$ 48

/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 Harahan

The car insurance rate in Harahan is $1839 for a six-month policy, which is $332 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $594, making it a popular choice for budget-conscious drivers. Rates in Harahan 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 Harahan

$1839

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Harahan

1st place: Louisiana Farm Bureau

At $594 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 $1297 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 $1348 for six months, making it the third cheapest auto insurance company in Harahan.

Harahan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harahan, LA is Louisiana Farm Bureau, offering policies at just $594 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1297.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2623 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harahan drivers find the best deals.

Cheap Car Insurance Companies in Harahan, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$594	$99
Farm Bureau	$1297	$218
Southern Farm Bureau	$1348	$224
USAA	$1753	$295
Progressive	$1928	$325
State Farm	$2044	$344
Safeway	$2145	$361
SafeAuto	$2305	$392
Encompass	$2356	$393
Allstate	$2623	$442

Key Takeaways

Way's key takeaways about car insurance in Harahan

The auto insurance costs in Harahan fall around $594 for six months.
The cheapest auto insurance company in Harahan is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Harahan at $153 per month.

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Cheapest Minimum Liability Car Insurance in Harahan

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 Harahan are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Harahan. Their Average 6 Month Premium is $283. AAA is the most expensive at $587 for the same period.

Cheapest Liability Coverage in Harahan, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$283	$48
Farm Bureau	$442	$74
Southern Farm Bureau	$471	$78
State Farm	$580	$98
USAA	$580	$98
Progressive	$609	$102
Allstate	$789	$133
SafeAuto	$826	$140
Safeway	$870	$146
AAA	$587	$98

Cheapest Full Coverage Car Insurance in Harahan

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 Harahan is Louisiana Farm Bureau at $99 per month and $594 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harahan, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$594	$99
Farm Bureau	$1297	$218
Southern Farm Bureau	$1348	$224
USAA	$1753	$295
Progressive	$1928	$325
State Farm	$2044	$344
Safeway	$2145	$361
SafeAuto	$2305	$392
Encompass	$2356	$393
Allstate	$2623	$442

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Average Car Insurance in Harahan 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 Harahan, LA increasing?

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

Car Insurance Premiums by Age in Harahan

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	$1218
30s	USAA	$988
40s	USAA	$910
50s	USAA	$870
60s	USAA	$928
70s	USAA	$952

Cheapest Car Insurance Rates for Teen Drivers in Harahan,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 Harahan at $77 per month. At $899 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	$464	$77
Farm Bureau	$2036	$346
State Farm	$2616	$440
USAA	$3320	$565
Safeway	$5051	$842
Allstate	$5428	$922
Progressive	$5739	$966
AAA	$899	$153

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 Harahan.

As young drivers face the highest rates in Harahan, USAA offers the cheapest auto insurance rates at $1218 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 Harahan, Louisiana Farm Bureau is the cheapest car insurance provider. At $508 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 Harahan is State Farm, offering rates of around $7920 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$508	$87
Allstate	$1797	$300
Farm Bureau	$1876	$320
Safeway	$2095	$349
Progressive	$2115	$356
USAA	$2196	$366
State Farm	$7920	$1347

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Car Insurance Rates with An Accident in Harahan

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

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

The cheapest car insurance companies after an at-fault accident in Harahan include Louisiana Farm Bureau and State Farm, offering $370 and $1102, respectively. Allstate is an expensive provider with an average six-month premium of $2036.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$370	$61
State Farm	$1102	$185
Farm Bureau	$1341	$223
USAA	$1508	$254
Progressive	$1617	$272
Safeway	$1856	$312
Allstate	$2036	$343

Harahan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Harahan LA. For example, the car insurance in Harahan after a DUI increases to $1725 for a six month policy. While the rate increases by $500 for a six-month policy in the case of a speeding ticket.

Harahan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2000	$333
One Med/PIP claim	$2000	$340
Two Med/PIP claims	$2022	$337
Not-at-fault accident	$2029	$345
One comp claim	$2036	$339
Two comp claims	$2109	$359
Failure to wear a seat belt	$2356	$393
Failure to show documents	$2384	$405
Child safety restraint	$2420	$404
Driving without lights	$2420	$411
Driving with expired registration	$2464	$411
Driving too slowly	$2500	$425
Speeding 11 - 15 MPH over limit	$2500	$417
Speeding 16 - 20 MPH over limit	$2500	$425
Speeding 6 - 10 MPH over limit	$2500	$417
Speeding in school zone	$2500	$425
In 65 MPH zone	$2507	$418
Cell phone violation	$2529	$429
Texting while driving	$2529	$422
Wrong way/wrong lane	$2529	$429
At-fault accident - less than $1000	$2544	$423
Failure to stop at a red light	$2544	$433
Failure to yield	$2544	$423
Following too closely	$2544	$433
Illegal turn	$2544	$423
Improper passing	$2544	$433
Passing school bus	$2566	$427
Speeding 21 - 25 MPH over limit	$2566	$437
Open container	$2638	$439
Operating a vehicle without permission	$2819	$479
At-fault accident - $1000-$2000	$2891	$482
At-fault accident - greater than $2000	$2891	$492
Reckless driving	$3493	$582
Refusal to submit to a chemical test	$3551	$604
DUI	$3725	$621
Racing	$3754	$638
Leaving scene of an accident/hit and run	$3783	$631
Driving with a suspended license	$3798	$645

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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 Harahan 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 Harahan.

The cheapest car insurance premiums in Harahan are offered by Louisiana Farm Bureau at $406 for a six-month policy. However, it can be as expensive as $986 with companies like AAA.

Harahan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$406	$70
Farm Bureau	$1391	$232
Southern Farm Bureau	$1674	$284
Progressive	$1906	$321
USAA	$2595	$437
Safeway	$2601	$438
State Farm	$2674	$450
Allstate	$3246	$547
AAA	$986	$167

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 Harahan are offered by Louisiana Farm Bureau at $333. However, it can be as expensive as $2327 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Harahan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$333	$56
State Farm	$1131	$190
Farm Bureau	$1188	$203
Progressive	$1580	$266
USAA	$1740	$295
Safeway	$2145	$357
Allstate	$2327	$395

Car Insurance Price Trends in Harahan, Louisiana

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

The average cost of full coverage in the Harahan rose by $370 in December compared to $365 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 Harahan rose to $101 in December, compared to $93 in November. This represents an increase of $8 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Harahan?

The car insurance in Harahan is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Harahan?

The cheapest car insurance in Harahan is $99 per month for full coverage.

How much is car insurance in Harahan for teenagers?

Car insurance for teenagers costs $464 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 Harahan?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $309 per month to insure your car in Harahan.

Is car insurance expensive in Harahan?

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

What is the best car insurance in Harahan, LA?

The best car insurance company in Harahan LA is Louisiana Farm Bureau, offering $594 for a six-month policy.