Cheapest Car Insurance Quotes in Lake Providence

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Lake Providence Car Insurance

^$ 34

/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 Lake Providence

The car insurance rate in Lake Providence is $1326 for a six-month policy, which is $181 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $429, making it a popular choice for budget-conscious drivers. Rates in Lake Providence 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 Lake Providence

$1326

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Lake Providence

1st place: Louisiana Farm Bureau

At $429 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 $935 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 $972 for six months, making it the third cheapest auto insurance company in Lake Providence.

Lake Providence Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Providence, LA is Louisiana Farm Bureau, offering policies at just $429 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $935.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1892 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Providence drivers find the best deals.

Cheap Car Insurance Companies in Lake Providence, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$429	$71
Farm Bureau	$935	$158
Southern Farm Bureau	$972	$162
USAA	$1265	$213
Progressive	$1390	$234
State Farm	$1474	$248
Safeway	$1547	$260
SafeAuto	$1662	$282
Encompass	$1699	$283
Allstate	$1892	$319

Key Takeaways

Way's key takeaways about car insurance in Lake Providence

The auto insurance costs in Lake Providence fall around $429 for six months.
The cheapest auto insurance company in Lake Providence is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Lake Providence at $110 per month.

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Cheapest Minimum Liability Car Insurance in Lake Providence

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 Lake Providence are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Lake Providence. Their Average 6 Month Premium is $204. AAA is the most expensive at $423 for the same period.

Cheapest Liability Coverage in Lake Providence, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$204	$34
Farm Bureau	$319	$54
Southern Farm Bureau	$340	$56
State Farm	$418	$70
USAA	$418	$70
Progressive	$439	$74
Allstate	$569	$96
SafeAuto	$596	$101
Safeway	$627	$106
AAA	$423	$70

Cheapest Full Coverage Car Insurance in Lake Providence

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 Lake Providence is Louisiana Farm Bureau at $71 per month and $429 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Providence, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$429	$71
Farm Bureau	$935	$158
Southern Farm Bureau	$972	$162
USAA	$1265	$213
Progressive	$1390	$234
State Farm	$1474	$248
Safeway	$1547	$260
SafeAuto	$1662	$282
Encompass	$1699	$283
Allstate	$1892	$319

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Average Car Insurance in Lake Providence 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 Lake Providence, LA increasing?

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

Car Insurance Premiums by Age in Lake Providence

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	$878
30s	USAA	$713
40s	USAA	$656
50s	USAA	$627
60s	USAA	$670
70s	USAA	$686

Cheapest Car Insurance Rates for Teen Drivers in Lake Providence,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 Lake Providence at $55 per month. At $649 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	$334	$55
Farm Bureau	$1469	$250
State Farm	$1887	$318
USAA	$2394	$407
Safeway	$3643	$607
Allstate	$3915	$665
Progressive	$4140	$697
AAA	$649	$110

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 Lake Providence.

As young drivers face the highest rates in Lake Providence, USAA offers the cheapest auto insurance rates at $878 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 Lake Providence, Louisiana Farm Bureau is the cheapest car insurance provider. At $366 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 Lake Providence is State Farm, offering rates of around $5713 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$366	$62
Allstate	$1296	$216
Farm Bureau	$1353	$231
Safeway	$1511	$252
Progressive	$1526	$257
USAA	$1584	$264
State Farm	$5713	$972

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Car Insurance Rates with An Accident in Lake Providence

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Providence

The cheapest car insurance companies after an at-fault accident in Lake Providence include Louisiana Farm Bureau and State Farm, offering $267 and $795, respectively. Allstate is an expensive provider with an average six-month premium of $1469.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$267	$44
State Farm	$795	$134
Farm Bureau	$967	$161
USAA	$1088	$183
Progressive	$1166	$196
Safeway	$1338	$225
Allstate	$1469	$247

Lake Providence Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Providence LA. For example, the car insurance in Lake Providence after a DUI increases to $1245 for a six month policy. While the rate increases by $361 for a six-month policy in the case of a speeding ticket.

Lake Providence auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1442	$240
One Med/PIP claim	$1442	$246
Two Med/PIP claims	$1458	$243
Not-at-fault accident	$1463	$249
One comp claim	$1469	$245
Two comp claims	$1522	$259
Failure to wear a seat belt	$1699	$283
Failure to show documents	$1720	$292
Child safety restraint	$1746	$291
Driving without lights	$1746	$297
Driving with expired registration	$1778	$297
Driving too slowly	$1803	$306
Speeding 11 - 15 MPH over limit	$1803	$301
Speeding 16 - 20 MPH over limit	$1803	$306
Speeding 6 - 10 MPH over limit	$1803	$301
Speeding in school zone	$1803	$306
In 65 MPH zone	$1808	$302
Cell phone violation	$1824	$310
Texting while driving	$1824	$304
Wrong way/wrong lane	$1824	$310
At-fault accident - less than $1000	$1835	$305
Failure to stop at a red light	$1835	$312
Failure to yield	$1835	$305
Following too closely	$1835	$312
Illegal turn	$1835	$305
Improper passing	$1835	$312
Passing school bus	$1851	$308
Speeding 21 - 25 MPH over limit	$1851	$315
Open container	$1903	$317
Operating a vehicle without permission	$2034	$346
At-fault accident - $1000-$2000	$2086	$348
At-fault accident - greater than $2000	$2086	$355
Reckless driving	$2519	$420
Refusal to submit to a chemical test	$2562	$436
DUI	$2687	$448
Racing	$2708	$460
Leaving scene of an accident/hit and run	$2729	$455
Driving with a suspended license	$2739	$466

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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 Lake Providence 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 Lake Providence.

The cheapest car insurance premiums in Lake Providence are offered by Louisiana Farm Bureau at $293 for a six-month policy. However, it can be as expensive as $711 with companies like AAA.

Lake Providence car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$293	$50
Farm Bureau	$1003	$167
Southern Farm Bureau	$1207	$205
Progressive	$1375	$231
USAA	$1872	$315
Safeway	$1876	$316
State Farm	$1929	$325
Allstate	$2342	$394
AAA	$711	$121

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 Lake Providence are offered by Louisiana Farm Bureau at $240. However, it can be as expensive as $1678 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lake Providence after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$240	$40
State Farm	$816	$137
Farm Bureau	$857	$146
Progressive	$1140	$192
USAA	$1255	$213
Safeway	$1547	$258
Allstate	$1678	$285

Car Insurance Price Trends in Lake Providence, Louisiana

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

The average cost of full coverage in the Lake Providence rose by $267 in December compared to $263 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Lake Providence rose to $73 in December, compared to $67 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lake Providence?

The car insurance in Lake Providence is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Providence?

The cheapest car insurance in Lake Providence is $71 per month for full coverage.

How much is car insurance in Lake Providence for teenagers?

Car insurance for teenagers costs $334 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 Lake Providence?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $223 per month to insure your car in Lake Providence.

Is car insurance expensive in Lake Providence?

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

What is the best car insurance in Lake Providence, LA?

The best car insurance company in Lake Providence LA is Louisiana Farm Bureau, offering $429 for a six-month policy.