Cheapest Car Insurance Quotes in Meraux

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Meraux Car Insurance

^$ 57

/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 Meraux

The car insurance rate in Meraux is $2200 for a six-month policy, which is $693 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $711, making it a popular choice for budget-conscious drivers. Rates in Meraux 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 Meraux

$2200

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Meraux

1st place: Louisiana Farm Bureau

At $711 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 $1552 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 $1613 for six months, making it the third cheapest auto insurance company in Meraux.

Meraux Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Meraux, LA is Louisiana Farm Bureau, offering policies at just $711 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1552.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3139 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Meraux drivers find the best deals.

Cheap Car Insurance Companies in Meraux, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$711	$118
Farm Bureau	$1552	$261
Southern Farm Bureau	$1613	$269
USAA	$2098	$353
Progressive	$2307	$388
State Farm	$2446	$412
Safeway	$2567	$432
SafeAuto	$2758	$469
Encompass	$2819	$470
Allstate	$3139	$529

Key Takeaways

Way's key takeaways about car insurance in Meraux

The auto insurance costs in Meraux fall around $711 for six months.
The cheapest auto insurance company in Meraux is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Meraux at $183 per month.

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Cheapest Minimum Liability Car Insurance in Meraux

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 Meraux are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Meraux. Their Average 6 Month Premium is $339. AAA is the most expensive at $702 for the same period.

Cheapest Liability Coverage in Meraux, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$339	$57
Farm Bureau	$529	$89
Southern Farm Bureau	$564	$93
State Farm	$694	$117
USAA	$694	$117
Progressive	$729	$123
Allstate	$945	$159
SafeAuto	$988	$168
Safeway	$1041	$175
AAA	$702	$117

Cheapest Full Coverage Car Insurance in Meraux

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 Meraux is Louisiana Farm Bureau at $118 per month and $711 for six months.

Cheapest Full Coverage Car Insurance Quotes in Meraux, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$711	$118
Farm Bureau	$1552	$261
Southern Farm Bureau	$1613	$269
USAA	$2098	$353
Progressive	$2307	$388
State Farm	$2446	$412
Safeway	$2567	$432
SafeAuto	$2758	$469
Encompass	$2819	$470
Allstate	$3139	$529

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Average Car Insurance in Meraux 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 Meraux, LA increasing?

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

Car Insurance Premiums by Age in Meraux

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	$1457
30s	USAA	$1183
40s	USAA	$1089
50s	USAA	$1041
60s	USAA	$1111
70s	USAA	$1139

Cheapest Car Insurance Rates for Teen Drivers in Meraux,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 Meraux at $92 per month. At $1076 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	$555	$92
Farm Bureau	$2437	$415
State Farm	$3130	$527
USAA	$3973	$676
Safeway	$6044	$1007
Allstate	$6496	$1104
Progressive	$6868	$1156
AAA	$1076	$183

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 Meraux.

As young drivers face the highest rates in Meraux, USAA offers the cheapest auto insurance rates at $1457 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 Meraux, Louisiana Farm Bureau is the cheapest car insurance provider. At $607 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 Meraux is State Farm, offering rates of around $9478 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$607	$104
Allstate	$2151	$359
Farm Bureau	$2245	$383
Safeway	$2507	$418
Progressive	$2532	$426
USAA	$2628	$438
State Farm	$9478	$1612

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Car Insurance Rates with An Accident in Meraux

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

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

The cheapest car insurance companies after an at-fault accident in Meraux include Louisiana Farm Bureau and State Farm, offering $442 and $1318, respectively. Allstate is an expensive provider with an average six-month premium of $2437.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$442	$73
State Farm	$1318	$222
Farm Bureau	$1605	$267
USAA	$1805	$304
Progressive	$1935	$326
Safeway	$2221	$374
Allstate	$2437	$410

Meraux Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Meraux LA. For example, the car insurance in Meraux after a DUI increases to $2064 for a six month policy. While the rate increases by $599 for a six-month policy in the case of a speeding ticket.

Meraux auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2393	$399
One Med/PIP claim	$2393	$407
Two Med/PIP claims	$2419	$403
Not-at-fault accident	$2428	$413
One comp claim	$2437	$406
Two comp claims	$2524	$429
Failure to wear a seat belt	$2819	$470
Failure to show documents	$2853	$485
Child safety restraint	$2897	$483
Driving without lights	$2897	$492
Driving with expired registration	$2949	$492
Driving too slowly	$2992	$508
Speeding 11 - 15 MPH over limit	$2992	$499
Speeding 16 - 20 MPH over limit	$2992	$508
Speeding 6 - 10 MPH over limit	$2992	$499
Speeding in school zone	$2992	$508
In 65 MPH zone	$3000	$501
Cell phone violation	$3027	$514
Texting while driving	$3027	$505
Wrong way/wrong lane	$3027	$514
At-fault accident - less than $1000	$3044	$507
Failure to stop at a red light	$3044	$518
Failure to yield	$3044	$507
Following too closely	$3044	$518
Illegal turn	$3044	$507
Improper passing	$3044	$518
Passing school bus	$3070	$511
Speeding 21 - 25 MPH over limit	$3070	$523
Open container	$3157	$526
Operating a vehicle without permission	$3374	$574
At-fault accident - $1000-$2000	$3460	$577
At-fault accident - greater than $2000	$3460	$588
Reckless driving	$4180	$696
Refusal to submit to a chemical test	$4250	$723
DUI	$4457	$743
Racing	$4492	$764
Leaving scene of an accident/hit and run	$4527	$755
Driving with a suspended license	$4545	$772

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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 Meraux 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 Meraux.

The cheapest car insurance premiums in Meraux are offered by Louisiana Farm Bureau at $486 for a six-month policy. However, it can be as expensive as $1180 with companies like AAA.

Meraux car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$486	$83
Farm Bureau	$1664	$277
Southern Farm Bureau	$2003	$340
Progressive	$2281	$384
USAA	$3105	$523
Safeway	$3113	$524
State Farm	$3200	$539
Allstate	$3885	$654
AAA	$1180	$200

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 Meraux are offered by Louisiana Farm Bureau at $399. However, it can be as expensive as $2784 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Meraux after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$399	$67
State Farm	$1353	$228
Farm Bureau	$1422	$242
Progressive	$1891	$318
USAA	$2082	$353
Safeway	$2567	$428
Allstate	$2784	$473

Car Insurance Price Trends in Meraux, Louisiana

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

The average cost of full coverage in the Meraux rose by $442 in December compared to $437 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Meraux rose to $121 in December, compared to $111 in November. This represents an increase of $10 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Meraux?

The car insurance in Meraux is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Meraux?

The cheapest car insurance in Meraux is $118 per month for full coverage.

How much is car insurance in Meraux for teenagers?

Car insurance for teenagers costs $555 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 Meraux?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $369 per month to insure your car in Meraux.

Is car insurance expensive in Meraux?

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

What is the best car insurance in Meraux, LA?

The best car insurance company in Meraux LA is Louisiana Farm Bureau, offering $711 for a six-month policy.