Cheapest Car Insurance Quotes in Livingston

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Livingston Car Insurance

^$ 43

/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 Livingston

The car insurance rate in Livingston is $1643 for a six-month policy, which is $136 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $531, making it a popular choice for budget-conscious drivers. Rates in Livingston 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 Livingston

$1643

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Livingston

1st place: Louisiana Farm Bureau

At $531 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 $1159 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 $1204 for six months, making it the third cheapest auto insurance company in Livingston.

Livingston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Livingston, LA is Louisiana Farm Bureau, offering policies at just $531 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1159.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2344 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Livingston drivers find the best deals.

Cheap Car Insurance Companies in Livingston, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$531	$88
Farm Bureau	$1159	$195
Southern Farm Bureau	$1204	$201
USAA	$1566	$264
Progressive	$1722	$290
State Farm	$1826	$307
Safeway	$1916	$323
SafeAuto	$2059	$350
Encompass	$2105	$351
Allstate	$2344	$395

Key Takeaways

Way's key takeaways about car insurance in Livingston

The auto insurance costs in Livingston fall around $531 for six months.
The cheapest auto insurance company in Livingston is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Livingston at $136 per month.

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Cheapest Minimum Liability Car Insurance in Livingston

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 Livingston are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Livingston. Their Average 6 Month Premium is $253. AAA is the most expensive at $524 for the same period.

Cheapest Liability Coverage in Livingston, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$253	$43
Farm Bureau	$395	$66
Southern Farm Bureau	$421	$70
State Farm	$518	$87
USAA	$518	$87
Progressive	$544	$92
Allstate	$705	$119
SafeAuto	$738	$125
Safeway	$777	$131
AAA	$524	$87

Cheapest Full Coverage Car Insurance in Livingston

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 Livingston is Louisiana Farm Bureau at $88 per month and $531 for six months.

Cheapest Full Coverage Car Insurance Quotes in Livingston, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$531	$88
Farm Bureau	$1159	$195
Southern Farm Bureau	$1204	$201
USAA	$1566	$264
Progressive	$1722	$290
State Farm	$1826	$307
Safeway	$1916	$323
SafeAuto	$2059	$350
Encompass	$2105	$351
Allstate	$2344	$395

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Average Car Insurance in Livingston 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 Livingston, LA increasing?

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

Car Insurance Premiums by Age in Livingston

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	$1088
30s	USAA	$883
40s	USAA	$813
50s	USAA	$777
60s	USAA	$829
70s	USAA	$850

Cheapest Car Insurance Rates for Teen Drivers in Livingston,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 Livingston at $69 per month. At $803 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	$414	$69
Farm Bureau	$1819	$310
State Farm	$2337	$393
USAA	$2966	$505
Safeway	$4513	$752
Allstate	$4849	$824
Progressive	$5127	$863
AAA	$803	$136

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 Livingston.

As young drivers face the highest rates in Livingston, USAA offers the cheapest auto insurance rates at $1088 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 Livingston, Louisiana Farm Bureau is the cheapest car insurance provider. At $453 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 Livingston is State Farm, offering rates of around $7076 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$453	$77
Allstate	$1606	$268
Farm Bureau	$1676	$286
Safeway	$1872	$312
Progressive	$1890	$318
USAA	$1962	$327
State Farm	$7076	$1203

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Car Insurance Rates with An Accident in Livingston

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

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

The cheapest car insurance companies after an at-fault accident in Livingston include Louisiana Farm Bureau and State Farm, offering $330 and $984, respectively. Allstate is an expensive provider with an average six-month premium of $1819.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$330	$55
State Farm	$984	$166
Farm Bureau	$1198	$199
USAA	$1347	$227
Progressive	$1444	$243
Safeway	$1658	$279
Allstate	$1819	$306

Livingston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Livingston LA. For example, the car insurance in Livingston after a DUI increases to $1541 for a six month policy. While the rate increases by $446 for a six-month policy in the case of a speeding ticket.

Livingston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1787	$298
One Med/PIP claim	$1787	$304
Two Med/PIP claims	$1806	$301
Not-at-fault accident	$1813	$308
One comp claim	$1819	$303
Two comp claims	$1885	$320
Failure to wear a seat belt	$2105	$351
Failure to show documents	$2130	$362
Child safety restraint	$2163	$361
Driving without lights	$2163	$367
Driving with expired registration	$2202	$367
Driving too slowly	$2233	$379
Speeding 11 - 15 MPH over limit	$2233	$373
Speeding 16 - 20 MPH over limit	$2233	$379
Speeding 6 - 10 MPH over limit	$2233	$373
Speeding in school zone	$2233	$379
In 65 MPH zone	$2240	$374
Cell phone violation	$2260	$384
Texting while driving	$2260	$377
Wrong way/wrong lane	$2260	$384
At-fault accident - less than $1000	$2273	$378
Failure to stop at a red light	$2273	$387
Failure to yield	$2273	$378
Following too closely	$2273	$387
Illegal turn	$2273	$378
Improper passing	$2273	$387
Passing school bus	$2292	$382
Speeding 21 - 25 MPH over limit	$2292	$390
Open container	$2357	$392
Operating a vehicle without permission	$2519	$428
At-fault accident - $1000-$2000	$2583	$431
At-fault accident - greater than $2000	$2583	$439
Reckless driving	$3121	$520
Refusal to submit to a chemical test	$3173	$540
DUI	$3328	$555
Racing	$3354	$570
Leaving scene of an accident/hit and run	$3380	$564
Driving with a suspended license	$3393	$577

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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 Livingston 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 Livingston.

The cheapest car insurance premiums in Livingston are offered by Louisiana Farm Bureau at $363 for a six-month policy. However, it can be as expensive as $881 with companies like AAA.

Livingston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$363	$62
Farm Bureau	$1243	$207
Southern Farm Bureau	$1495	$254
Progressive	$1703	$287
USAA	$2318	$390
Safeway	$2324	$391
State Farm	$2389	$402
Allstate	$2900	$488
AAA	$881	$149

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 Livingston are offered by Louisiana Farm Bureau at $298. However, it can be as expensive as $2079 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Livingston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$298	$50
State Farm	$1010	$170
Farm Bureau	$1062	$181
Progressive	$1412	$238
USAA	$1554	$264
Safeway	$1916	$319
Allstate	$2079	$353

Car Insurance Price Trends in Livingston, Louisiana

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

The average cost of full coverage in the Livingston rose by $330 in December compared to $326 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 Livingston rose to $90 in December, compared to $83 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Livingston?

The car insurance in Livingston is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Livingston?

The cheapest car insurance in Livingston is $88 per month for full coverage.

How much is car insurance in Livingston for teenagers?

Car insurance for teenagers costs $414 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 Livingston?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $276 per month to insure your car in Livingston.

Is car insurance expensive in Livingston?

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

What is the best car insurance in Livingston, LA?

The best car insurance company in Livingston LA is Louisiana Farm Bureau, offering $531 for a six-month policy.