Cheapest Car Insurance Quotes in Hessmer

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Hessmer Car Insurance

^$ 46

/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 Hessmer

The car insurance rate in Hessmer is $1778 for a six-month policy, which is $271 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $575, making it a popular choice for budget-conscious drivers. Rates in Hessmer 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 Hessmer

$1778

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Hessmer

1st place: Louisiana Farm Bureau

At $575 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 $1254 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 $1304 for six months, making it the third cheapest auto insurance company in Hessmer.

Hessmer Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hessmer, LA is Louisiana Farm Bureau, offering policies at just $575 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1254.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2537 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hessmer drivers find the best deals.

Cheap Car Insurance Companies in Hessmer, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$575	$96
Farm Bureau	$1254	$211
Southern Farm Bureau	$1304	$217
USAA	$1696	$286
Progressive	$1864	$314
State Farm	$1977	$333
Safeway	$2074	$349
SafeAuto	$2229	$379
Encompass	$2279	$380
Allstate	$2537	$427

Key Takeaways

Way's key takeaways about car insurance in Hessmer

The auto insurance costs in Hessmer fall around $575 for six months.
The cheapest auto insurance company in Hessmer is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Hessmer at $148 per month.

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Cheapest Minimum Liability Car Insurance in Hessmer

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 Hessmer are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Hessmer. Their Average 6 Month Premium is $274. AAA is the most expensive at $568 for the same period.

Cheapest Liability Coverage in Hessmer, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$274	$46
Farm Bureau	$427	$72
Southern Farm Bureau	$455	$76
State Farm	$561	$94
USAA	$561	$94
Progressive	$589	$99
Allstate	$763	$129
SafeAuto	$799	$136
Safeway	$841	$142
AAA	$568	$94

Cheapest Full Coverage Car Insurance in Hessmer

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 Hessmer is Louisiana Farm Bureau at $96 per month and $575 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hessmer, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$575	$96
Farm Bureau	$1254	$211
Southern Farm Bureau	$1304	$217
USAA	$1696	$286
Progressive	$1864	$314
State Farm	$1977	$333
Safeway	$2074	$349
SafeAuto	$2229	$379
Encompass	$2279	$380
Allstate	$2537	$427

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Average Car Insurance in Hessmer 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 Hessmer, LA increasing?

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

Car Insurance Premiums by Age in Hessmer

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	$1178
30s	USAA	$956
40s	USAA	$880
50s	USAA	$841
60s	USAA	$898
70s	USAA	$920

Cheapest Car Insurance Rates for Teen Drivers in Hessmer,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 Hessmer at $74 per month. At $870 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	$448	$74
Farm Bureau	$1969	$335
State Farm	$2530	$426
USAA	$3211	$546
Safeway	$4885	$814
Allstate	$5250	$892
Progressive	$5551	$935
AAA	$870	$148

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 Hessmer.

As young drivers face the highest rates in Hessmer, USAA offers the cheapest auto insurance rates at $1178 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 Hessmer, Louisiana Farm Bureau is the cheapest car insurance provider. At $491 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 Hessmer is State Farm, offering rates of around $7661 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$491	$84
Allstate	$1738	$290
Farm Bureau	$1815	$309
Safeway	$2026	$337
Progressive	$2046	$345
USAA	$2124	$354
State Farm	$7661	$1303

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Car Insurance Rates with An Accident in Hessmer

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

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

The cheapest car insurance companies after an at-fault accident in Hessmer include Louisiana Farm Bureau and State Farm, offering $358 and $1066, respectively. Allstate is an expensive provider with an average six-month premium of $1969.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$358	$59
State Farm	$1066	$179
Farm Bureau	$1297	$216
USAA	$1458	$245
Progressive	$1564	$263
Safeway	$1795	$302
Allstate	$1969	$332

Hessmer Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hessmer LA. For example, the car insurance in Hessmer after a DUI increases to $1669 for a six month policy. While the rate increases by $484 for a six-month policy in the case of a speeding ticket.

Hessmer auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1934	$322
One Med/PIP claim	$1934	$329
Two Med/PIP claims	$1955	$326
Not-at-fault accident	$1962	$334
One comp claim	$1969	$328
Two comp claims	$2040	$347
Failure to wear a seat belt	$2279	$380
Failure to show documents	$2306	$392
Child safety restraint	$2341	$391
Driving without lights	$2341	$398
Driving with expired registration	$2384	$398
Driving too slowly	$2418	$411
Speeding 11 - 15 MPH over limit	$2418	$404
Speeding 16 - 20 MPH over limit	$2418	$411
Speeding 6 - 10 MPH over limit	$2418	$404
Speeding in school zone	$2418	$411
In 65 MPH zone	$2425	$405
Cell phone violation	$2446	$415
Texting while driving	$2446	$408
Wrong way/wrong lane	$2446	$415
At-fault accident - less than $1000	$2460	$409
Failure to stop at a red light	$2460	$419
Failure to yield	$2460	$409
Following too closely	$2460	$419
Illegal turn	$2460	$409
Improper passing	$2460	$419
Passing school bus	$2482	$413
Speeding 21 - 25 MPH over limit	$2482	$422
Open container	$2551	$425
Operating a vehicle without permission	$2727	$464
At-fault accident - $1000-$2000	$2797	$466
At-fault accident - greater than $2000	$2797	$476
Reckless driving	$3378	$563
Refusal to submit to a chemical test	$3435	$584
DUI	$3603	$601
Racing	$3631	$617
Leaving scene of an accident/hit and run	$3659	$610
Driving with a suspended license	$3673	$624

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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 Hessmer 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 Hessmer.

The cheapest car insurance premiums in Hessmer are offered by Louisiana Farm Bureau at $393 for a six-month policy. However, it can be as expensive as $953 with companies like AAA.

Hessmer car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$393	$67
Farm Bureau	$1345	$224
Southern Farm Bureau	$1619	$275
Progressive	$1843	$310
USAA	$2510	$422
Safeway	$2516	$424
State Farm	$2587	$435
Allstate	$3140	$529
AAA	$953	$162

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 Hessmer are offered by Louisiana Farm Bureau at $322. However, it can be as expensive as $2250 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hessmer after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$322	$54
State Farm	$1094	$184
Farm Bureau	$1149	$196
Progressive	$1528	$257
USAA	$1683	$286
Safeway	$2074	$346
Allstate	$2250	$382

Car Insurance Price Trends in Hessmer, Louisiana

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

The average cost of full coverage in the Hessmer rose by $358 in December compared to $353 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 Hessmer rose to $98 in December, compared to $90 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 Hessmer?

The car insurance in Hessmer is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Hessmer?

The cheapest car insurance in Hessmer is $96 per month for full coverage.

How much is car insurance in Hessmer for teenagers?

Car insurance for teenagers costs $448 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 Hessmer?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $299 per month to insure your car in Hessmer.

Is car insurance expensive in Hessmer?

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

What is the best car insurance in Hessmer, LA?

The best car insurance company in Hessmer LA is Louisiana Farm Bureau, offering $575 for a six-month policy.