Cheapest Car Insurance Quotes in Lillie

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Lillie Car Insurance

^$ 33

/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 Lillie

The car insurance rate in Lillie is $1281 for a six-month policy, which is $226 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $414, making it a popular choice for budget-conscious drivers. Rates in Lillie 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 Lillie

$1281

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Lillie

1st place: Louisiana Farm Bureau

At $414 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 $904 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 $939 for six months, making it the third cheapest auto insurance company in Lillie.

Lillie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lillie, LA is Louisiana Farm Bureau, offering policies at just $414 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $904.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1828 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lillie drivers find the best deals.

Cheap Car Insurance Companies in Lillie, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$414	$69
Farm Bureau	$904	$152
Southern Farm Bureau	$939	$156
USAA	$1221	$206
Progressive	$1343	$226
State Farm	$1424	$240
Safeway	$1494	$252
SafeAuto	$1606	$273
Encompass	$1641	$274
Allstate	$1828	$308

Key Takeaways

Way's key takeaways about car insurance in Lillie

The auto insurance costs in Lillie fall around $414 for six months.
The cheapest auto insurance company in Lillie is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Lillie at $106 per month.

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Cheapest Minimum Liability Car Insurance in Lillie

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 Lillie are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Lillie. Their Average 6 Month Premium is $197. AAA is the most expensive at $409 for the same period.

Cheapest Liability Coverage in Lillie, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$197	$33
Farm Bureau	$308	$52
Southern Farm Bureau	$328	$54
State Farm	$404	$68
USAA	$404	$68
Progressive	$424	$71
Allstate	$550	$93
SafeAuto	$575	$98
Safeway	$606	$102
AAA	$409	$68

Cheapest Full Coverage Car Insurance in Lillie

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 Lillie is Louisiana Farm Bureau at $69 per month and $414 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lillie, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$414	$69
Farm Bureau	$904	$152
Southern Farm Bureau	$939	$156
USAA	$1221	$206
Progressive	$1343	$226
State Farm	$1424	$240
Safeway	$1494	$252
SafeAuto	$1606	$273
Encompass	$1641	$274
Allstate	$1828	$308

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Average Car Insurance in Lillie 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 Lillie, LA increasing?

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

Car Insurance Premiums by Age in Lillie

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	$848
30s	USAA	$689
40s	USAA	$634
50s	USAA	$606
60s	USAA	$647
70s	USAA	$663

Cheapest Car Insurance Rates for Teen Drivers in Lillie,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 Lillie at $54 per month. At $626 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	$323	$54
Farm Bureau	$1419	$241
State Farm	$1822	$307
USAA	$2313	$394
Safeway	$3519	$587
Allstate	$3782	$643
Progressive	$3998	$673
AAA	$626	$106

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 Lillie.

As young drivers face the highest rates in Lillie, USAA offers the cheapest auto insurance rates at $848 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 Lillie, Louisiana Farm Bureau is the cheapest car insurance provider. At $354 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 Lillie is State Farm, offering rates of around $5518 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$354	$60
Allstate	$1252	$209
Farm Bureau	$1307	$223
Safeway	$1459	$243
Progressive	$1474	$248
USAA	$1530	$255
State Farm	$5518	$938

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Car Insurance Rates with An Accident in Lillie

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

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

The cheapest car insurance companies after an at-fault accident in Lillie include Louisiana Farm Bureau and State Farm, offering $258 and $768, respectively. Allstate is an expensive provider with an average six-month premium of $1419.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$258	$43
State Farm	$768	$129
Farm Bureau	$934	$156
USAA	$1051	$177
Progressive	$1126	$190
Safeway	$1293	$218
Allstate	$1419	$239

Lillie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lillie LA. For example, the car insurance in Lillie after a DUI increases to $1202 for a six month policy. While the rate increases by $349 for a six-month policy in the case of a speeding ticket.

Lillie auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1393	$232
One Med/PIP claim	$1393	$237
Two Med/PIP claims	$1408	$235
Not-at-fault accident	$1414	$241
One comp claim	$1419	$236
Two comp claims	$1470	$250
Failure to wear a seat belt	$1641	$274
Failure to show documents	$1661	$282
Child safety restraint	$1686	$281
Driving without lights	$1686	$286
Driving with expired registration	$1717	$286
Driving too slowly	$1742	$296
Speeding 11 - 15 MPH over limit	$1742	$291
Speeding 16 - 20 MPH over limit	$1742	$296
Speeding 6 - 10 MPH over limit	$1742	$291
Speeding in school zone	$1742	$296
In 65 MPH zone	$1747	$292
Cell phone violation	$1762	$299
Texting while driving	$1762	$294
Wrong way/wrong lane	$1762	$299
At-fault accident - less than $1000	$1772	$295
Failure to stop at a red light	$1772	$302
Failure to yield	$1772	$295
Following too closely	$1772	$302
Illegal turn	$1772	$295
Improper passing	$1772	$302
Passing school bus	$1788	$298
Speeding 21 - 25 MPH over limit	$1788	$304
Open container	$1838	$306
Operating a vehicle without permission	$1964	$334
At-fault accident - $1000-$2000	$2015	$336
At-fault accident - greater than $2000	$2015	$343
Reckless driving	$2434	$405
Refusal to submit to a chemical test	$2474	$421
DUI	$2595	$433
Racing	$2615	$445
Leaving scene of an accident/hit and run	$2636	$439
Driving with a suspended license	$2646	$450

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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 Lillie 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 Lillie.

The cheapest car insurance premiums in Lillie are offered by Louisiana Farm Bureau at $283 for a six-month policy. However, it can be as expensive as $687 with companies like AAA.

Lillie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$283	$48
Farm Bureau	$969	$162
Southern Farm Bureau	$1166	$198
Progressive	$1328	$224
USAA	$1808	$304
Safeway	$1812	$305
State Farm	$1863	$314
Allstate	$2262	$381
AAA	$687	$116

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 Lillie are offered by Louisiana Farm Bureau at $232. However, it can be as expensive as $1621 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lillie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$232	$39
State Farm	$788	$133
Farm Bureau	$828	$141
Progressive	$1101	$185
USAA	$1212	$206
Safeway	$1494	$249
Allstate	$1621	$275

Car Insurance Price Trends in Lillie, Louisiana

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

The average cost of full coverage in the Lillie rose by $258 in December compared to $254 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 Lillie rose to $71 in December, compared to $65 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 Lillie?

The car insurance in Lillie is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Lillie?

The cheapest car insurance in Lillie is $69 per month for full coverage.

How much is car insurance in Lillie for teenagers?

Car insurance for teenagers costs $323 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 Lillie?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $215 per month to insure your car in Lillie.

Is car insurance expensive in Lillie?

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

What is the best car insurance in Lillie, LA?

The best car insurance company in Lillie LA is Louisiana Farm Bureau, offering $414 for a six-month policy.