Cheapest Car Insurance Quotes in Lawtell

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406,175 Policies Sold

Lawtell Car Insurance

^$ 41

/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 Lawtell

The car insurance rate in Lawtell is $1758 for a six-month policy, which is $68 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $506, making it a popular choice for budget-conscious drivers. Rates in Lawtell 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 Lawtell

$1758

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Lawtell

1st place: Louisiana Farm Bureau

At $506 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 $1149 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1526 for six months, making it the third cheapest auto insurance company in Lawtell.

Lawtell Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lawtell, LA is Louisiana Farm Bureau, offering policies at just $506 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1149.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2465 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lawtell drivers find the best deals.

Cheap Car Insurance Companies in Lawtell, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$506	$86
Southern Farm Bureau	$1149	$191
USAA	$1526	$257
Progressive	$1717	$289
Farm Bureau	$1792	$302
State Farm	$1891	$318
Safeway	$1933	$326
SafeAuto	$1965	$328
Encompass	$2008	$341
Allstate	$2391	$402
AAA	$2465	$419

Key Takeaways

Way's key takeaways about car insurance in Lawtell

The auto insurance costs in Lawtell fall around $506 for six months.
The cheapest auto insurance company in Lawtell is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Lawtell at $1245 per month.

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Cheapest Minimum Liability Car Insurance in Lawtell

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 Lawtell are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Lawtell. Their Average 6 Month Premium is $241. Safeway is the most expensive at $754 for the same period.

Cheapest Liability Coverage in Lawtell, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$241	$41
Southern Farm Bureau	$401	$69
USAA	$506	$85
Progressive	$519	$87
State Farm	$544	$92
Farm Bureau	$624	$105
AAA	$643	$107
Allstate	$649	$109
SafeAuto	$704	$118
Safeway	$754	$127

Cheapest Full Coverage Car Insurance in Lawtell

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 Lawtell is Louisiana Farm Bureau at $86 per month and $506 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lawtell, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$506	$86
Southern Farm Bureau	$1149	$191
USAA	$1526	$257
Progressive	$1717	$289
Farm Bureau	$1792	$302
State Farm	$1891	$318
Safeway	$1933	$326
SafeAuto	$1965	$328
Encompass	$2008	$341
Allstate	$2391	$402
AAA	$2465	$419

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Average Car Insurance in Lawtell 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 Lawtell, LA increasing?

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

Car Insurance Premiums by Age in Lawtell

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	$1038
30s	USAA	$842
40s	USAA	$776
50s	USAA	$742
60s	USAA	$791
70s	USAA	$811

Cheapest Car Insurance Rates for Teen Drivers in Lawtell,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 Lawtell at $66 per month. At $7321 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	$395	$66
State Farm	$3009	$506
USAA	$3213	$536
Safeway	$4911	$835
Allstate	$5461	$910
Progressive	$5671	$955
Farm Bureau	$6425	$1071
AAA	$7321	$1245

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 Lawtell.

As young drivers face the highest rates in Lawtell, USAA offers the cheapest auto insurance rates at $1038 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 Lawtell, Louisiana Farm Bureau is the cheapest car insurance provider. At $433 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 Lawtell is State Farm, offering rates of around $9625 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$433	$74
Allstate	$1841	$307
Progressive	$2063	$347
USAA	$2095	$349
Safeway	$2101	$357
Farm Bureau	$3984	$665
AAA	$6993	$1189
State Farm	$9625	$1604

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Car Insurance Rates with An Accident in Lawtell

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

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

The cheapest car insurance companies after an at-fault accident in Lawtell include Louisiana Farm Bureau and State Farm, offering $315 and $1236, respectively. AAA is an expensive provider with an average six-month premium of $3948.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$315	$52
State Farm	$1236	$208
USAA	$1390	$234
Progressive	$1526	$257
Safeway	$1779	$300
Farm Bureau	$1927	$328
Allstate	$1958	$330
AAA	$3948	$671

Lawtell Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lawtell LA. For example, the car insurance in Lawtell after a DUI increases to $1470 for a six month policy. While the rate increases by $426 for a six-month policy in the case of a speeding ticket.

Lawtell auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1705	$284
One Med/PIP claim	$1705	$290
Two Med/PIP claims	$1723	$287
Not-at-fault accident	$1730	$294
One comp claim	$1736	$289
Two comp claims	$1798	$306
Failure to wear a seat belt	$2008	$335
Failure to show documents	$2032	$345
Child safety restraint	$2063	$344
Driving without lights	$2063	$350
Driving with expired registration	$2101	$350
Driving too slowly	$2131	$362
Speeding 11 - 15 MPH over limit	$2131	$356
Speeding 16 - 20 MPH over limit	$2131	$362
Speeding 6 - 10 MPH over limit	$2131	$356
Speeding in school zone	$2131	$362
In 65 MPH zone	$2137	$357
Cell phone violation	$2156	$366
Texting while driving	$2156	$360
Wrong way/wrong lane	$2156	$366
At-fault accident - less than $1000	$2168	$361
Failure to stop at a red light	$2168	$369
Failure to yield	$2168	$361
Following too closely	$2168	$369
Illegal turn	$2168	$361
Improper passing	$2168	$369
Passing school bus	$2187	$364
Speeding 21 - 25 MPH over limit	$2187	$372
Open container	$2248	$374
Operating a vehicle without permission	$2403	$409
At-fault accident - $1000-$2000	$2465	$411
At-fault accident - greater than $2000	$2465	$419
Reckless driving	$2978	$496
Refusal to submit to a chemical test	$3027	$515
DUI	$3175	$529
Racing	$3200	$544
Leaving scene of an accident/hit and run	$3225	$538
Driving with a suspended license	$3238	$550

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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 Lawtell 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 Lawtell.

The cheapest car insurance premiums in Lawtell are offered by Louisiana Farm Bureau at $346 for a six-month policy. However, it can be as expensive as $3651 with companies like AAA.

Lawtell car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$346	$57
Southern Farm Bureau	$1427	$242
Progressive	$1742	$293
Farm Bureau	$1927	$328
USAA	$2354	$396
Safeway	$2434	$410
State Farm	$2712	$457
Allstate	$2978	$501
AAA	$3651	$608

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 Lawtell are offered by Louisiana Farm Bureau at $284. However, it can be as expensive as $3429 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Lawtell after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$284	$48
State Farm	$1273	$214
Progressive	$1538	$259
USAA	$1668	$284
Farm Bureau	$1927	$321
Safeway	$2143	$364
Allstate	$2397	$399
AAA	$3429	$583

Car Insurance Price Trends in Lawtell, Louisiana

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

The average cost of full coverage in the Lawtell rose by $387 in January compared to $316 of December. In other words, there has been an increase by $71 when you compare January and December.

The average cost of liability insurance in the Lawtell rose to $93 in January, compared to $88 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lawtell?

The car insurance in Lawtell is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Lawtell?

The cheapest car insurance in Lawtell is $86 per month for full coverage.

How much is car insurance in Lawtell for teenagers?

Car insurance for teenagers costs $395 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 Lawtell?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $295 per month to insure your car in Lawtell.

Is car insurance expensive in Lawtell?

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

What is the best car insurance in Lawtell, LA?

The best car insurance company in Lawtell LA is Louisiana Farm Bureau, offering $506 for a six-month policy.