Cheapest Car Insurance Quotes in Merrydale

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Merrydale Car Insurance

^$ 53

/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 Merrydale

The car insurance rate in Merrydale is $2050 for a six-month policy, which is $543 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $662, making it a popular choice for budget-conscious drivers. Rates in Merrydale 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 Merrydale

$2050

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Merrydale

1st place: Louisiana Farm Bureau

At $662 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 $1446 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 $1503 for six months, making it the third cheapest auto insurance company in Merrydale.

Merrydale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Merrydale, LA is Louisiana Farm Bureau, offering policies at just $662 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1446.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2924 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Merrydale drivers find the best deals.

Cheap Car Insurance Companies in Merrydale, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$662	$110
Farm Bureau	$1446	$243
Southern Farm Bureau	$1503	$250
USAA	$1954	$329
Progressive	$2149	$362
State Farm	$2278	$384
Safeway	$2391	$403
SafeAuto	$2569	$437
Encompass	$2626	$438
Allstate	$2924	$492

Key Takeaways

Way's key takeaways about car insurance in Merrydale

The auto insurance costs in Merrydale fall around $662 for six months.
The cheapest auto insurance company in Merrydale is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Merrydale at $170 per month.

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Cheapest Minimum Liability Car Insurance in Merrydale

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 Merrydale are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Merrydale. Their Average 6 Month Premium is $316. AAA is the most expensive at $654 for the same period.

Cheapest Liability Coverage in Merrydale, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$316	$53
Farm Bureau	$492	$83
Southern Farm Bureau	$525	$87
State Farm	$646	$109
USAA	$646	$109
Progressive	$679	$114
Allstate	$880	$148
SafeAuto	$921	$156
Safeway	$970	$163
AAA	$654	$109

Cheapest Full Coverage Car Insurance in Merrydale

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 Merrydale is Louisiana Farm Bureau at $110 per month and $662 for six months.

Cheapest Full Coverage Car Insurance Quotes in Merrydale, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$662	$110
Farm Bureau	$1446	$243
Southern Farm Bureau	$1503	$250
USAA	$1954	$329
Progressive	$2149	$362
State Farm	$2278	$384
Safeway	$2391	$403
SafeAuto	$2569	$437
Encompass	$2626	$438
Allstate	$2924	$492

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Average Car Insurance in Merrydale 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 Merrydale, LA increasing?

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

Car Insurance Premiums by Age in Merrydale

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	$1357
30s	USAA	$1102
40s	USAA	$1015
50s	USAA	$970
60s	USAA	$1035
70s	USAA	$1061

Cheapest Car Insurance Rates for Teen Drivers in Merrydale,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 Merrydale at $86 per month. At $1002 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	$517	$86
Farm Bureau	$2270	$386
State Farm	$2916	$491
USAA	$3701	$630
Safeway	$5630	$938
Allstate	$6051	$1028
Progressive	$6397	$1077
AAA	$1002	$170

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 Merrydale.

As young drivers face the highest rates in Merrydale, USAA offers the cheapest auto insurance rates at $1357 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 Merrydale, Louisiana Farm Bureau is the cheapest car insurance provider. At $566 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 Merrydale is State Farm, offering rates of around $8829 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$566	$97
Allstate	$2003	$335
Farm Bureau	$2092	$356
Safeway	$2335	$389
Progressive	$2358	$397
USAA	$2448	$408
State Farm	$8829	$1501

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Car Insurance Rates with An Accident in Merrydale

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

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

The cheapest car insurance companies after an at-fault accident in Merrydale include Louisiana Farm Bureau and State Farm, offering $412 and $1228, respectively. Allstate is an expensive provider with an average six-month premium of $2270.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$412	$68
State Farm	$1228	$207
Farm Bureau	$1495	$249
USAA	$1681	$283
Progressive	$1802	$303
Safeway	$2069	$348
Allstate	$2270	$382

Merrydale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Merrydale LA. For example, the car insurance in Merrydale after a DUI increases to $1923 for a six month policy. While the rate increases by $558 for a six-month policy in the case of a speeding ticket.

Merrydale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2229	$371
One Med/PIP claim	$2229	$379
Two Med/PIP claims	$2254	$375
Not-at-fault accident	$2262	$385
One comp claim	$2270	$378
Two comp claims	$2351	$400
Failure to wear a seat belt	$2626	$438
Failure to show documents	$2657	$452
Child safety restraint	$2698	$450
Driving without lights	$2698	$458
Driving with expired registration	$2747	$458
Driving too slowly	$2787	$473
Speeding 11 - 15 MPH over limit	$2787	$465
Speeding 16 - 20 MPH over limit	$2787	$473
Speeding 6 - 10 MPH over limit	$2787	$465
Speeding in school zone	$2787	$473
In 65 MPH zone	$2795	$466
Cell phone violation	$2819	$479
Texting while driving	$2819	$471
Wrong way/wrong lane	$2819	$479
At-fault accident - less than $1000	$2836	$472
Failure to stop at a red light	$2836	$483
Failure to yield	$2836	$472
Following too closely	$2836	$483
Illegal turn	$2836	$472
Improper passing	$2836	$483
Passing school bus	$2860	$476
Speeding 21 - 25 MPH over limit	$2860	$487
Open container	$2940	$490
Operating a vehicle without permission	$3143	$534
At-fault accident - $1000-$2000	$3223	$537
At-fault accident - greater than $2000	$3223	$548
Reckless driving	$3894	$649
Refusal to submit to a chemical test	$3959	$673
DUI	$4152	$692
Racing	$4185	$711
Leaving scene of an accident/hit and run	$4217	$703
Driving with a suspended license	$4234	$719

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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 Merrydale 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 Merrydale.

The cheapest car insurance premiums in Merrydale are offered by Louisiana Farm Bureau at $453 for a six-month policy. However, it can be as expensive as $1099 with companies like AAA.

Merrydale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$453	$78
Farm Bureau	$1550	$258
Southern Farm Bureau	$1866	$317
Progressive	$2124	$358
USAA	$2893	$487
Safeway	$2900	$488
State Farm	$2981	$502
Allstate	$3619	$609
AAA	$1099	$186

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 Merrydale are offered by Louisiana Farm Bureau at $371. However, it can be as expensive as $2594 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Merrydale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$371	$63
State Farm	$1261	$212
Farm Bureau	$1325	$226
Progressive	$1761	$296
USAA	$1939	$329
Safeway	$2391	$398
Allstate	$2594	$441

Car Insurance Price Trends in Merrydale, Louisiana

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

The average cost of full coverage in the Merrydale rose by $412 in December compared to $407 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 Merrydale rose to $113 in December, compared to $103 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 Merrydale?

The car insurance in Merrydale is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Merrydale?

The cheapest car insurance in Merrydale is $110 per month for full coverage.

How much is car insurance in Merrydale for teenagers?

Car insurance for teenagers costs $517 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 Merrydale?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $344 per month to insure your car in Merrydale.

Is car insurance expensive in Merrydale?

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

What is the best car insurance in Merrydale, LA?

The best car insurance company in Merrydale LA is Louisiana Farm Bureau, offering $662 for a six-month policy.