Cheapest Car Insurance Quotes in Heflin

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Heflin Car Insurance

^$ 32

/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 Heflin

The car insurance rate in Heflin is $1386 for a six-month policy, which is $304 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $399, making it a popular choice for budget-conscious drivers. Rates in Heflin 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 Heflin

$1386

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Heflin

1st place: Louisiana Farm Bureau

At $399 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 $906 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1203 for six months, making it the third cheapest auto insurance company in Heflin.

Heflin Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Heflin, LA is Louisiana Farm Bureau, offering policies at just $399 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $906.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1943 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Heflin drivers find the best deals.

Cheap Car Insurance Companies in Heflin, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$399	$68
Southern Farm Bureau	$906	$151
USAA	$1203	$203
Progressive	$1354	$228
Farm Bureau	$1413	$238
State Farm	$1491	$251
Safeway	$1524	$257
SafeAuto	$1549	$258
Encompass	$1583	$269
Allstate	$1885	$317
AAA	$1943	$330

Key Takeaways

Way's key takeaways about car insurance in Heflin

The auto insurance costs in Heflin fall around $399 for six months.
The cheapest auto insurance company in Heflin is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Heflin at $982 per month.

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Cheapest Minimum Liability Car Insurance in Heflin

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 Heflin are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Heflin. Their Average 6 Month Premium is $190. Safeway is the most expensive at $595 for the same period.

Cheapest Liability Coverage in Heflin, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$190	$32
Southern Farm Bureau	$317	$54
USAA	$399	$67
Progressive	$409	$69
State Farm	$429	$72
Farm Bureau	$492	$83
AAA	$507	$84
Allstate	$512	$86
SafeAuto	$555	$93
Safeway	$595	$100

Cheapest Full Coverage Car Insurance in Heflin

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 Heflin is Louisiana Farm Bureau at $68 per month and $399 for six months.

Cheapest Full Coverage Car Insurance Quotes in Heflin, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$399	$68
Southern Farm Bureau	$906	$151
USAA	$1203	$203
Progressive	$1354	$228
Farm Bureau	$1413	$238
State Farm	$1491	$251
Safeway	$1524	$257
SafeAuto	$1549	$258
Encompass	$1583	$269
Allstate	$1885	$317
AAA	$1943	$330

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Average Car Insurance in Heflin 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 Heflin, LA increasing?

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

Car Insurance Premiums by Age in Heflin

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	$818
30s	USAA	$664
40s	USAA	$612
50s	USAA	$585
60s	USAA	$624
70s	USAA	$640

Cheapest Car Insurance Rates for Teen Drivers in Heflin,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 Heflin at $52 per month. At $5772 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	$312	$52
State Farm	$2372	$399
USAA	$2533	$422
Safeway	$3872	$658
Allstate	$4306	$718
Progressive	$4471	$753
Farm Bureau	$5066	$845
AAA	$5772	$982

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 Heflin.

As young drivers face the highest rates in Heflin, USAA offers the cheapest auto insurance rates at $818 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 Heflin, Louisiana Farm Bureau is the cheapest car insurance provider. At $341 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 Heflin is State Farm, offering rates of around $7589 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$341	$58
Allstate	$1451	$242
Progressive	$1627	$274
USAA	$1651	$276
Safeway	$1656	$281
Farm Bureau	$3141	$524
AAA	$5514	$937
State Farm	$7589	$1264

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Car Insurance Rates with An Accident in Heflin

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

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

The cheapest car insurance companies after an at-fault accident in Heflin include Louisiana Farm Bureau and State Farm, offering $248 and $974, respectively. AAA is an expensive provider with an average six-month premium of $3113.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$248	$41
State Farm	$974	$164
USAA	$1096	$185
Progressive	$1203	$203
Safeway	$1403	$236
Farm Bureau	$1519	$258
Allstate	$1544	$260
AAA	$3113	$529

Heflin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Heflin LA. For example, the car insurance in Heflin after a DUI increases to $1159 for a six month policy. While the rate increases by $336 for a six-month policy in the case of a speeding ticket.

Heflin auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1344	$224
One Med/PIP claim	$1344	$229
Two Med/PIP claims	$1359	$226
Not-at-fault accident	$1364	$232
One comp claim	$1369	$228
Two comp claims	$1418	$241
Failure to wear a seat belt	$1583	$264
Failure to show documents	$1602	$272
Child safety restraint	$1627	$271
Driving without lights	$1627	$276
Driving with expired registration	$1656	$276
Driving too slowly	$1680	$285
Speeding 11 - 15 MPH over limit	$1680	$280
Speeding 16 - 20 MPH over limit	$1680	$285
Speeding 6 - 10 MPH over limit	$1680	$280
Speeding in school zone	$1680	$285
In 65 MPH zone	$1685	$281
Cell phone violation	$1700	$289
Texting while driving	$1700	$284
Wrong way/wrong lane	$1700	$289
At-fault accident - less than $1000	$1710	$285
Failure to stop at a red light	$1710	$291
Failure to yield	$1710	$285
Following too closely	$1710	$291
Illegal turn	$1710	$285
Improper passing	$1710	$291
Passing school bus	$1724	$287
Speeding 21 - 25 MPH over limit	$1724	$294
Open container	$1773	$295
Operating a vehicle without permission	$1895	$322
At-fault accident - $1000-$2000	$1943	$324
At-fault accident - greater than $2000	$1943	$330
Reckless driving	$2348	$391
Refusal to submit to a chemical test	$2387	$406
DUI	$2503	$417
Racing	$2523	$429
Leaving scene of an accident/hit and run	$2543	$424
Driving with a suspended license	$2553	$434

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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 Heflin 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 Heflin.

The cheapest car insurance premiums in Heflin are offered by Louisiana Farm Bureau at $273 for a six-month policy. However, it can be as expensive as $2879 with companies like AAA.

Heflin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$273	$45
Southern Farm Bureau	$1125	$191
Progressive	$1374	$231
Farm Bureau	$1519	$258
USAA	$1856	$312
Safeway	$1919	$323
State Farm	$2139	$360
Allstate	$2348	$395
AAA	$2879	$480

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 Heflin are offered by Louisiana Farm Bureau at $224. However, it can be as expensive as $2704 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Heflin after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$224	$38
State Farm	$1004	$169
Progressive	$1213	$204
USAA	$1315	$224
Farm Bureau	$1519	$253
Safeway	$1690	$287
Allstate	$1890	$315
AAA	$2704	$460

Car Insurance Price Trends in Heflin, Louisiana

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

The average cost of full coverage in the Heflin rose by $305 in January compared to $249 of December. In other words, there has been an increase by $56 when you compare January and December.

The average cost of liability insurance in the Heflin rose to $73 in January, compared to $70 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 Heflin?

The car insurance in Heflin is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Heflin?

The cheapest car insurance in Heflin is $68 per month for full coverage.

How much is car insurance in Heflin for teenagers?

Car insurance for teenagers costs $312 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 Heflin?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $233 per month to insure your car in Heflin.

Is car insurance expensive in Heflin?

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

What is the best car insurance in Heflin, LA?

The best car insurance company in Heflin LA is Louisiana Farm Bureau, offering $399 for a six-month policy.