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Finding the cheapest car insurance quotes in Libuse shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Libuse
The car insurance rate in Libuse is $1658 for a six-month policy, which is $151 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $536, making it a popular choice for budget-conscious drivers. Rates in Libuse 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.
At $536 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 $1169 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 $1216
for six months, making it
the third cheapest auto insurance company in Libuse.
Libuse Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Libuse, LA is Louisiana Farm Bureau, offering policies at just $536 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1169.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2365 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Libuse drivers find the best deals.
The auto insurance costs in Libuse fall around $536 for six
months.
The cheapest auto insurance company in Libuse is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Libuse at $138 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Libuse
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 Libuse are given below.
Louisiana Farm Bureau provides
the cheapest minimum car insurance
coverage in Libuse. Their Average 6 Month Premium is $255.
AAA is the most
expensive at $529 for the same
period.
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 Libuse is Louisiana Farm Bureau
at $89 per month and $536
for six months.
Cheapest Full Coverage Car Insurance Quotes in Libuse,
LA
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 Libuse, LA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Libuse, 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, Libuse's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Libuse
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
$1098
30s
USAA
$891
40s
USAA
$821
50s
USAA
$784
60s
USAA
$837
70s
USAA
$858
Cheapest Car Insurance Rates for Teen Drivers in
Libuse,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 Libuse at $69
per
month. At $811 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Libuse.
As young drivers face the highest rates in Libuse, USAA
offers the cheapest auto insurance rates at $1098 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 Libuse,
Louisiana Farm Bureau is
the cheapest car insurance provider. At $458 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
Libuse is State Farm, offering
rates of around $7141 for six
months.
Save up to $971/yr on car insurance rates in Libuse.
Car Insurance Rates with An Accident in Libuse
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 Libuse, LA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Libuse
The cheapest car insurance companies after an at-fault accident in
Libuse include Louisiana Farm Bureau
and State Farm, offering $333
and $993,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1836.
Here is a list of driving violations that can increase your car
insurance rates in Libuse LA. For example, the car
insurance in Libuse
after a DUI increases to $1555 for a six
month policy. While the rate increases by $451 for a six-month policy in the case of
a speeding ticket.
Libuse auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1803
$300
One Med/PIP claim
$1803
$307
Two Med/PIP claims
$1823
$304
Not-at-fault accident
$1829
$311
One comp claim
$1836
$306
Two comp claims
$1902
$323
Failure to wear a seat belt
$2124
$354
Failure to show documents
$2149
$365
Child safety restraint
$2182
$364
Driving without lights
$2182
$371
Driving with expired registration
$2222
$371
Driving too slowly
$2254
$383
Speeding 11 - 15 MPH over limit
$2254
$376
Speeding 16 - 20 MPH over limit
$2254
$383
Speeding 6 - 10 MPH over limit
$2254
$376
Speeding in school zone
$2254
$383
In 65 MPH zone
$2261
$377
Cell phone violation
$2280
$387
Texting while driving
$2280
$381
Wrong way/wrong lane
$2280
$387
At-fault accident - less than $1000
$2294
$382
Failure to stop at a red light
$2294
$391
Failure to yield
$2294
$382
Following too closely
$2294
$391
Illegal turn
$2294
$382
Improper passing
$2294
$391
Passing school bus
$2313
$385
Speeding 21 - 25 MPH over limit
$2313
$394
Open container
$2378
$396
Operating a vehicle without permission
$2542
$432
At-fault accident - $1000-$2000
$2607
$435
At-fault accident - greater than $2000
$2607
$443
Reckless driving
$3149
$525
Refusal to submit to a chemical test
$3202
$545
DUI
$3358
$560
Racing
$3385
$575
Leaving scene of an accident/hit and run
$3411
$569
Driving with a suspended license
$3424
$582
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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 Libuse 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 Libuse.
The cheapest car insurance premiums in
Libuse are
offered by Louisiana Farm Bureau at $366 for a six-month policy.
However, it can be as
expensive as $889 with companies
like AAA.
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 Libuse are offered by Louisiana Farm Bureau
at $300. However,
it can be as expensive as $2098
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Libuse after Speeding ticket
Car insurance rates in Libuse have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Libuse rose by
$333 in December
compared to $329 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 Libuse rose to $91 in December,
compared to $84 in November.
This represents an increase of $7
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Libuse. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Libuse?
The car insurance in Libuse is $43 per month, which is lower than the national average.
What is the cheapest car insurance in Libuse?
The cheapest car insurance in Libuse
is $89 per month
for full coverage.
How much is car insurance in Libuse for teenagers?
Car insurance for teenagers costs $418 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
Libuse?
The average cost of car insurance is $1507 for a six-month
policy. It will cost around $278 per month to insure your
car in Libuse.
Is car insurance expensive in Libuse?
Car insurance can be expensive in Libuse if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Libuse can be
affordable.
What is the best car insurance in Libuse,
LA?
The best car insurance company in Libuse
LA is
Louisiana Farm Bureau, offering $536 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Libuse, LA
Car Insurance Rates by State in the USA (2025 Update)
Libuse Car Insurance
