Cheapest Car Insurance Quotes in Jefferson

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Jefferson Car Insurance

^$ 49

/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 Jefferson

The car insurance rate in Jefferson is $1884 for a six-month policy, which is $377 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $609, making it a popular choice for budget-conscious drivers. Rates in Jefferson 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 Jefferson

$1884

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Jefferson

1st place: Louisiana Farm Bureau

At $609 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 $1329 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 $1381 for six months, making it the third cheapest auto insurance company in Jefferson.

Jefferson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jefferson, LA is Louisiana Farm Bureau, offering policies at just $609 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1329.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2688 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jefferson drivers find the best deals.

Cheap Car Insurance Companies in Jefferson, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$609	$101
Farm Bureau	$1329	$224
Southern Farm Bureau	$1381	$230
USAA	$1796	$303
Progressive	$1975	$333
State Farm	$2094	$353
Safeway	$2198	$370
SafeAuto	$2361	$401
Encompass	$2414	$403
Allstate	$2688	$453

Key Takeaways

Way's key takeaways about car insurance in Jefferson

The auto insurance costs in Jefferson fall around $609 for six months.
The cheapest auto insurance company in Jefferson is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Jefferson at $156 per month.

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Cheapest Minimum Liability Car Insurance in Jefferson

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 Jefferson are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Jefferson. Their Average 6 Month Premium is $290. AAA is the most expensive at $601 for the same period.

Cheapest Liability Coverage in Jefferson, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$290	$49
Farm Bureau	$453	$76
Southern Farm Bureau	$483	$80
State Farm	$594	$100
USAA	$594	$100
Progressive	$624	$105
Allstate	$809	$136
SafeAuto	$846	$144
Safeway	$891	$150
AAA	$601	$100

Cheapest Full Coverage Car Insurance in Jefferson

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 Jefferson is Louisiana Farm Bureau at $101 per month and $609 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jefferson, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$609	$101
Farm Bureau	$1329	$224
Southern Farm Bureau	$1381	$230
USAA	$1796	$303
Progressive	$1975	$333
State Farm	$2094	$353
Safeway	$2198	$370
SafeAuto	$2361	$401
Encompass	$2414	$403
Allstate	$2688	$453

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Average Car Insurance in Jefferson 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 Jefferson, LA increasing?

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

Car Insurance Premiums by Age in Jefferson

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	$1248
30s	USAA	$1013
40s	USAA	$933
50s	USAA	$891
60s	USAA	$951
70s	USAA	$975

Cheapest Car Insurance Rates for Teen Drivers in Jefferson,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 Jefferson at $79 per month. At $921 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	$475	$79
Farm Bureau	$2086	$355
State Farm	$2680	$451
USAA	$3401	$579
Safeway	$5175	$863
Allstate	$5561	$945
Progressive	$5880	$990
AAA	$921	$156

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 Jefferson.

As young drivers face the highest rates in Jefferson, USAA offers the cheapest auto insurance rates at $1248 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 Jefferson, Louisiana Farm Bureau is the cheapest car insurance provider. At $520 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 Jefferson is State Farm, offering rates of around $8115 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$520	$89
Allstate	$1841	$308
Farm Bureau	$1923	$328
Safeway	$2146	$358
Progressive	$2168	$365
USAA	$2250	$375
State Farm	$8115	$1380

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Car Insurance Rates with An Accident in Jefferson

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

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

The cheapest car insurance companies after an at-fault accident in Jefferson include Louisiana Farm Bureau and State Farm, offering $379 and $1129, respectively. Allstate is an expensive provider with an average six-month premium of $2086.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$379	$63
State Farm	$1129	$190
Farm Bureau	$1374	$229
USAA	$1545	$260
Progressive	$1656	$279
Safeway	$1901	$320
Allstate	$2086	$351

Jefferson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jefferson LA. For example, the car insurance in Jefferson after a DUI increases to $1767 for a six month policy. While the rate increases by $512 for a six-month policy in the case of a speeding ticket.

Jefferson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2049	$341
One Med/PIP claim	$2049	$349
Two Med/PIP claims	$2071	$345
Not-at-fault accident	$2079	$354
One comp claim	$2086	$348
Two comp claims	$2161	$368
Failure to wear a seat belt	$2414	$403
Failure to show documents	$2443	$415
Child safety restraint	$2480	$414
Driving without lights	$2480	$421
Driving with expired registration	$2525	$421
Driving too slowly	$2561	$435
Speeding 11 - 15 MPH over limit	$2561	$428
Speeding 16 - 20 MPH over limit	$2561	$435
Speeding 6 - 10 MPH over limit	$2561	$428
Speeding in school zone	$2561	$435
In 65 MPH zone	$2569	$429
Cell phone violation	$2591	$440
Texting while driving	$2591	$433
Wrong way/wrong lane	$2591	$440
At-fault accident - less than $1000	$2606	$434
Failure to stop at a red light	$2606	$444
Failure to yield	$2606	$434
Following too closely	$2606	$444
Illegal turn	$2606	$434
Improper passing	$2606	$444
Passing school bus	$2629	$438
Speeding 21 - 25 MPH over limit	$2629	$448
Open container	$2703	$450
Operating a vehicle without permission	$2889	$491
At-fault accident - $1000-$2000	$2963	$494
At-fault accident - greater than $2000	$2963	$504
Reckless driving	$3579	$596
Refusal to submit to a chemical test	$3639	$619
DUI	$3816	$636
Racing	$3846	$654
Leaving scene of an accident/hit and run	$3876	$646
Driving with a suspended license	$3891	$661

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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 Jefferson 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 Jefferson.

The cheapest car insurance premiums in Jefferson are offered by Louisiana Farm Bureau at $416 for a six-month policy. However, it can be as expensive as $1010 with companies like AAA.

Jefferson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$416	$71
Farm Bureau	$1425	$238
Southern Farm Bureau	$1715	$291
Progressive	$1953	$329
USAA	$2659	$448
Safeway	$2665	$449
State Farm	$2740	$461
Allstate	$3326	$560
AAA	$1010	$171

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 Jefferson are offered by Louisiana Farm Bureau at $341. However, it can be as expensive as $2384 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Jefferson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$341	$58
State Farm	$1159	$195
Farm Bureau	$1218	$208
Progressive	$1619	$273
USAA	$1783	$303
Safeway	$2198	$366
Allstate	$2384	$405

Car Insurance Price Trends in Jefferson, Louisiana

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

The average cost of full coverage in the Jefferson rose by $379 in December compared to $374 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 Jefferson rose to $104 in December, compared to $95 in November. This represents an increase of $9 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Jefferson?

The car insurance in Jefferson is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Jefferson?

The cheapest car insurance in Jefferson is $101 per month for full coverage.

How much is car insurance in Jefferson for teenagers?

Car insurance for teenagers costs $475 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 Jefferson?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $316 per month to insure your car in Jefferson.

Is car insurance expensive in Jefferson?

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

What is the best car insurance in Jefferson, LA?

The best car insurance company in Jefferson LA is Louisiana Farm Bureau, offering $609 for a six-month policy.