Cheapest Car Insurance Quotes in Hornbeck

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Hornbeck Car Insurance

^$ 30

/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 Hornbeck

The car insurance rate in Hornbeck is $1318 for a six-month policy, which is $372 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $380, making it a popular choice for budget-conscious drivers. Rates in Hornbeck 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 Hornbeck

$1318

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Hornbeck

1st place: Louisiana Farm Bureau

At $380 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 $862 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1144 for six months, making it the third cheapest auto insurance company in Hornbeck.

Hornbeck Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hornbeck, LA is Louisiana Farm Bureau, offering policies at just $380 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $862.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1849 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hornbeck drivers find the best deals.

Cheap Car Insurance Companies in Hornbeck, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$380	$65
Southern Farm Bureau	$862	$144
USAA	$1144	$193
Progressive	$1288	$217
Farm Bureau	$1344	$226
State Farm	$1418	$239
Safeway	$1450	$244
SafeAuto	$1473	$246
Encompass	$1506	$256
Allstate	$1793	$302
AAA	$1849	$314

Key Takeaways

Way's key takeaways about car insurance in Hornbeck

The auto insurance costs in Hornbeck fall around $380 for six months.
The cheapest auto insurance company in Hornbeck is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Hornbeck at $934 per month.

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Cheapest Minimum Liability Car Insurance in Hornbeck

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 Hornbeck are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Hornbeck. Their Average 6 Month Premium is $181. Safeway is the most expensive at $566 for the same period.

Cheapest Liability Coverage in Hornbeck, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$181	$30
Southern Farm Bureau	$301	$51
USAA	$380	$64
Progressive	$389	$66
State Farm	$408	$69
Farm Bureau	$468	$79
AAA	$482	$80
Allstate	$487	$82
SafeAuto	$528	$88
Safeway	$566	$95

Cheapest Full Coverage Car Insurance in Hornbeck

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 Hornbeck is Louisiana Farm Bureau at $65 per month and $380 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hornbeck, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$380	$65
Southern Farm Bureau	$862	$144
USAA	$1144	$193
Progressive	$1288	$217
Farm Bureau	$1344	$226
State Farm	$1418	$239
Safeway	$1450	$244
SafeAuto	$1473	$246
Encompass	$1506	$256
Allstate	$1793	$302
AAA	$1849	$314

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Average Car Insurance in Hornbeck 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 Hornbeck, LA increasing?

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

Car Insurance Premiums by Age in Hornbeck

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	$778
30s	USAA	$632
40s	USAA	$582
50s	USAA	$556
60s	USAA	$594
70s	USAA	$608

Cheapest Car Insurance Rates for Teen Drivers in Hornbeck,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 Hornbeck at $49 per month. At $5490 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	$296	$49
State Farm	$2257	$380
USAA	$2409	$402
Safeway	$3683	$626
Allstate	$4096	$683
Progressive	$4253	$716
Farm Bureau	$4819	$803
AAA	$5490	$934

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 Hornbeck.

As young drivers face the highest rates in Hornbeck, USAA offers the cheapest auto insurance rates at $778 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 Hornbeck, Louisiana Farm Bureau is the cheapest car insurance provider. At $324 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 Hornbeck is State Farm, offering rates of around $7219 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$324	$55
Allstate	$1381	$230
Progressive	$1548	$261
USAA	$1571	$262
Safeway	$1576	$268
Farm Bureau	$2988	$498
AAA	$5245	$892
State Farm	$7219	$1203

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Car Insurance Rates with An Accident in Hornbeck

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

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

The cheapest car insurance companies after an at-fault accident in Hornbeck include Louisiana Farm Bureau and State Farm, offering $236 and $927, respectively. AAA is an expensive provider with an average six-month premium of $2961.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$236	$39
State Farm	$927	$156
USAA	$1043	$176
Progressive	$1144	$193
Safeway	$1335	$225
Farm Bureau	$1445	$246
Allstate	$1469	$247
AAA	$2961	$503

Hornbeck Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hornbeck LA. For example, the car insurance in Hornbeck after a DUI increases to $1103 for a six month policy. While the rate increases by $320 for a six-month policy in the case of a speeding ticket.

Hornbeck auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1278	$213
One Med/PIP claim	$1278	$218
Two Med/PIP claims	$1292	$215
Not-at-fault accident	$1297	$221
One comp claim	$1302	$217
Two comp claims	$1349	$229
Failure to wear a seat belt	$1506	$251
Failure to show documents	$1524	$259
Child safety restraint	$1548	$258
Driving without lights	$1548	$263
Driving with expired registration	$1576	$263
Driving too slowly	$1598	$271
Speeding 11 - 15 MPH over limit	$1598	$267
Speeding 16 - 20 MPH over limit	$1598	$271
Speeding 6 - 10 MPH over limit	$1598	$267
Speeding in school zone	$1598	$271
In 65 MPH zone	$1603	$268
Cell phone violation	$1617	$275
Texting while driving	$1617	$270
Wrong way/wrong lane	$1617	$275
At-fault accident - less than $1000	$1626	$271
Failure to stop at a red light	$1626	$277
Failure to yield	$1626	$271
Following too closely	$1626	$277
Illegal turn	$1626	$271
Improper passing	$1626	$277
Passing school bus	$1640	$273
Speeding 21 - 25 MPH over limit	$1640	$279
Open container	$1686	$281
Operating a vehicle without permission	$1803	$307
At-fault accident - $1000-$2000	$1849	$308
At-fault accident - greater than $2000	$1849	$314
Reckless driving	$2233	$372
Refusal to submit to a chemical test	$2271	$386
DUI	$2381	$397
Racing	$2400	$408
Leaving scene of an accident/hit and run	$2419	$403
Driving with a suspended license	$2428	$413

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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 Hornbeck 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 Hornbeck.

The cheapest car insurance premiums in Hornbeck are offered by Louisiana Farm Bureau at $260 for a six-month policy. However, it can be as expensive as $2739 with companies like AAA.

Hornbeck car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$260	$43
Southern Farm Bureau	$1070	$182
Progressive	$1307	$220
Farm Bureau	$1445	$246
USAA	$1765	$297
Safeway	$1825	$307
State Farm	$2034	$342
Allstate	$2233	$376
AAA	$2739	$456

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 Hornbeck are offered by Louisiana Farm Bureau at $213. However, it can be as expensive as $2572 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Hornbeck after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$213	$36
State Farm	$955	$161
Progressive	$1154	$194
USAA	$1251	$213
Farm Bureau	$1445	$241
Safeway	$1608	$273
Allstate	$1798	$300
AAA	$2572	$438

Car Insurance Price Trends in Hornbeck, Louisiana

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

The average cost of full coverage in the Hornbeck rose by $290 in January compared to $237 of December. In other words, there has been an increase by $53 when you compare January and December.

The average cost of liability insurance in the Hornbeck rose to $69 in January, compared to $66 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 Hornbeck?

The car insurance in Hornbeck is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Hornbeck?

The cheapest car insurance in Hornbeck is $65 per month for full coverage.

How much is car insurance in Hornbeck for teenagers?

Car insurance for teenagers costs $296 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 Hornbeck?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $222 per month to insure your car in Hornbeck.

Is car insurance expensive in Hornbeck?

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

What is the best car insurance in Hornbeck, LA?

The best car insurance company in Hornbeck LA is Louisiana Farm Bureau, offering $380 for a six-month policy.