Cheapest Car Insurance Quotes in Luling

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Luling Car Insurance

^$ 42

/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 Luling

The car insurance rate in Luling is $1628 for a six-month policy, which is $121 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $526, making it a popular choice for budget-conscious drivers. Rates in Luling 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 Luling

$1628

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Luling

1st place: Louisiana Farm Bureau

At $526 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 $1148 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 $1193 for six months, making it the third cheapest auto insurance company in Luling.

Luling Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Luling, LA is Louisiana Farm Bureau, offering policies at just $526 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1148.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2322 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Luling drivers find the best deals.

Cheap Car Insurance Companies in Luling, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$526	$87
Farm Bureau	$1148	$193
Southern Farm Bureau	$1193	$199
USAA	$1552	$261
Progressive	$1706	$287
State Farm	$1809	$305
Safeway	$1899	$320
SafeAuto	$2040	$347
Encompass	$2085	$348
Allstate	$2322	$391

Key Takeaways

Way's key takeaways about car insurance in Luling

The auto insurance costs in Luling fall around $526 for six months.
The cheapest auto insurance company in Luling is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Luling at $135 per month.

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Cheapest Minimum Liability Car Insurance in Luling

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 Luling are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Luling. Their Average 6 Month Premium is $251. AAA is the most expensive at $519 for the same period.

Cheapest Liability Coverage in Luling, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$251	$42
Farm Bureau	$391	$66
Southern Farm Bureau	$417	$69
State Farm	$513	$86
USAA	$513	$86
Progressive	$539	$91
Allstate	$699	$118
SafeAuto	$731	$124
Safeway	$770	$130
AAA	$519	$86

Cheapest Full Coverage Car Insurance in Luling

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 Luling is Louisiana Farm Bureau at $87 per month and $526 for six months.

Cheapest Full Coverage Car Insurance Quotes in Luling, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$526	$87
Farm Bureau	$1148	$193
Southern Farm Bureau	$1193	$199
USAA	$1552	$261
Progressive	$1706	$287
State Farm	$1809	$305
Safeway	$1899	$320
SafeAuto	$2040	$347
Encompass	$2085	$348
Allstate	$2322	$391

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Average Car Insurance in Luling 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 Luling, LA increasing?

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

Car Insurance Premiums by Age in Luling

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	$1078
30s	USAA	$875
40s	USAA	$806
50s	USAA	$770
60s	USAA	$822
70s	USAA	$842

Cheapest Car Insurance Rates for Teen Drivers in Luling,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 Luling at $68 per month. At $796 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	$410	$68
Farm Bureau	$1803	$307
State Farm	$2316	$390
USAA	$2939	$500
Safeway	$4471	$745
Allstate	$4805	$816
Progressive	$5080	$855
AAA	$796	$135

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 Luling.

As young drivers face the highest rates in Luling, USAA offers the cheapest auto insurance rates at $1078 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 Luling, Louisiana Farm Bureau is the cheapest car insurance provider. At $449 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 Luling is State Farm, offering rates of around $7011 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$449	$77
Allstate	$1591	$266
Farm Bureau	$1661	$283
Safeway	$1854	$309
Progressive	$1873	$315
USAA	$1944	$324
State Farm	$7011	$1192

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Car Insurance Rates with An Accident in Luling

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

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

The cheapest car insurance companies after an at-fault accident in Luling include Louisiana Farm Bureau and State Farm, offering $327 and $975, respectively. Allstate is an expensive provider with an average six-month premium of $1803.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$327	$54
State Farm	$975	$164
Farm Bureau	$1187	$198
USAA	$1335	$225
Progressive	$1431	$241
Safeway	$1643	$276
Allstate	$1803	$303

Luling Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Luling LA. For example, the car insurance in Luling after a DUI increases to $1527 for a six month policy. While the rate increases by $443 for a six-month policy in the case of a speeding ticket.

Luling auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1770	$295
One Med/PIP claim	$1770	$301
Two Med/PIP claims	$1790	$298
Not-at-fault accident	$1796	$306
One comp claim	$1803	$300
Two comp claims	$1867	$318
Failure to wear a seat belt	$2085	$348
Failure to show documents	$2110	$359
Child safety restraint	$2143	$357
Driving without lights	$2143	$364
Driving with expired registration	$2182	$364
Driving too slowly	$2213	$376
Speeding 11 - 15 MPH over limit	$2213	$369
Speeding 16 - 20 MPH over limit	$2213	$376
Speeding 6 - 10 MPH over limit	$2213	$369
Speeding in school zone	$2213	$376
In 65 MPH zone	$2219	$370
Cell phone violation	$2239	$380
Texting while driving	$2239	$374
Wrong way/wrong lane	$2239	$380
At-fault accident - less than $1000	$2252	$375
Failure to stop at a red light	$2252	$383
Failure to yield	$2252	$375
Following too closely	$2252	$383
Illegal turn	$2252	$375
Improper passing	$2252	$383
Passing school bus	$2271	$378
Speeding 21 - 25 MPH over limit	$2271	$387
Open container	$2335	$389
Operating a vehicle without permission	$2496	$424
At-fault accident - $1000-$2000	$2560	$427
At-fault accident - greater than $2000	$2560	$435
Reckless driving	$3092	$515
Refusal to submit to a chemical test	$3144	$535
DUI	$3297	$550
Racing	$3323	$565
Leaving scene of an accident/hit and run	$3349	$558
Driving with a suspended license	$3362	$571

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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 Luling 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 Luling.

The cheapest car insurance premiums in Luling are offered by Louisiana Farm Bureau at $360 for a six-month policy. However, it can be as expensive as $873 with companies like AAA.

Luling car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$360	$62
Farm Bureau	$1231	$205
Southern Farm Bureau	$1482	$252
Progressive	$1687	$284
USAA	$2297	$387
Safeway	$2303	$388
State Farm	$2367	$399
Allstate	$2874	$484
AAA	$873	$148

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 Luling are offered by Louisiana Farm Bureau at $295. However, it can be as expensive as $2060 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Luling after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$295	$50
State Farm	$1001	$168
Farm Bureau	$1052	$179
Progressive	$1399	$235
USAA	$1540	$261
Safeway	$1899	$316
Allstate	$2060	$350

Car Insurance Price Trends in Luling, Louisiana

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

The average cost of full coverage in the Luling rose by $327 in December compared to $323 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 Luling rose to $90 in December, compared to $82 in November. This represents an increase of $8 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Luling?

The car insurance in Luling is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Luling?

The cheapest car insurance in Luling is $87 per month for full coverage.

How much is car insurance in Luling for teenagers?

Car insurance for teenagers costs $410 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 Luling?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $273 per month to insure your car in Luling.

Is car insurance expensive in Luling?

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

What is the best car insurance in Luling, LA?

The best car insurance company in Luling LA is Louisiana Farm Bureau, offering $526 for a six-month policy.