Cheapest Car Insurance Quotes in Montegut

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Montegut Car Insurance

^$ 37

/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 Montegut

The car insurance rate in Montegut is $1432 for a six-month policy, which is $75 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $463, making it a popular choice for budget-conscious drivers. Rates in Montegut 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 Montegut

$1432

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Montegut

1st place: Louisiana Farm Bureau

At $463 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 $1010 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 $1050 for six months, making it the third cheapest auto insurance company in Montegut.

Montegut Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Montegut, LA is Louisiana Farm Bureau, offering policies at just $463 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1010.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2043 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Montegut drivers find the best deals.

Cheap Car Insurance Companies in Montegut, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$463	$77
Farm Bureau	$1010	$170
Southern Farm Bureau	$1050	$175
USAA	$1365	$230
Progressive	$1501	$253
State Farm	$1591	$268
Safeway	$1670	$281
SafeAuto	$1795	$305
Encompass	$1834	$306
Allstate	$2043	$344

Key Takeaways

Way's key takeaways about car insurance in Montegut

The auto insurance costs in Montegut fall around $463 for six months.
The cheapest auto insurance company in Montegut is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Montegut at $119 per month.

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Cheapest Minimum Liability Car Insurance in Montegut

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 Montegut are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Montegut. Their Average 6 Month Premium is $220. AAA is the most expensive at $457 for the same period.

Cheapest Liability Coverage in Montegut, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$220	$37
Farm Bureau	$344	$58
Southern Farm Bureau	$367	$61
State Farm	$451	$76
USAA	$451	$76
Progressive	$474	$80
Allstate	$615	$104
SafeAuto	$643	$109
Safeway	$677	$114
AAA	$457	$76

Cheapest Full Coverage Car Insurance in Montegut

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 Montegut is Louisiana Farm Bureau at $77 per month and $463 for six months.

Cheapest Full Coverage Car Insurance Quotes in Montegut, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$463	$77
Farm Bureau	$1010	$170
Southern Farm Bureau	$1050	$175
USAA	$1365	$230
Progressive	$1501	$253
State Farm	$1591	$268
Safeway	$1670	$281
SafeAuto	$1795	$305
Encompass	$1834	$306
Allstate	$2043	$344

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Average Car Insurance in Montegut 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 Montegut, LA increasing?

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

Car Insurance Premiums by Age in Montegut

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	$948
30s	USAA	$770
40s	USAA	$709
50s	USAA	$677
60s	USAA	$723
70s	USAA	$741

Cheapest Car Insurance Rates for Teen Drivers in Montegut,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 Montegut at $60 per month. At $700 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	$361	$60
Farm Bureau	$1586	$270
State Farm	$2037	$343
USAA	$2585	$440
Safeway	$3933	$656
Allstate	$4227	$718
Progressive	$4469	$752
AAA	$700	$119

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 Montegut.

As young drivers face the highest rates in Montegut, USAA offers the cheapest auto insurance rates at $948 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 Montegut, Louisiana Farm Bureau is the cheapest car insurance provider. At $395 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 Montegut is State Farm, offering rates of around $6167 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$395	$67
Allstate	$1399	$234
Farm Bureau	$1461	$249
Safeway	$1631	$272
Progressive	$1647	$277
USAA	$1710	$285
State Farm	$6167	$1049

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Car Insurance Rates with An Accident in Montegut

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

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

The cheapest car insurance companies after an at-fault accident in Montegut include Louisiana Farm Bureau and State Farm, offering $288 and $858, respectively. Allstate is an expensive provider with an average six-month premium of $1586.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$288	$48
State Farm	$858	$144
Farm Bureau	$1044	$174
USAA	$1174	$198
Progressive	$1259	$212
Safeway	$1445	$243
Allstate	$1586	$267

Montegut Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Montegut LA. For example, the car insurance in Montegut after a DUI increases to $1343 for a six month policy. While the rate increases by $390 for a six-month policy in the case of a speeding ticket.

Montegut auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1557	$259
One Med/PIP claim	$1557	$265
Two Med/PIP claims	$1574	$262
Not-at-fault accident	$1580	$269
One comp claim	$1586	$264
Two comp claims	$1643	$279
Failure to wear a seat belt	$1834	$306
Failure to show documents	$1856	$315
Child safety restraint	$1885	$314
Driving without lights	$1885	$320
Driving with expired registration	$1919	$320
Driving too slowly	$1947	$331
Speeding 11 - 15 MPH over limit	$1947	$325
Speeding 16 - 20 MPH over limit	$1947	$331
Speeding 6 - 10 MPH over limit	$1947	$325
Speeding in school zone	$1947	$331
In 65 MPH zone	$1952	$326
Cell phone violation	$1969	$334
Texting while driving	$1969	$329
Wrong way/wrong lane	$1969	$334
At-fault accident - less than $1000	$1981	$330
Failure to stop at a red light	$1981	$337
Failure to yield	$1981	$330
Following too closely	$1981	$337
Illegal turn	$1981	$330
Improper passing	$1981	$337
Passing school bus	$1998	$333
Speeding 21 - 25 MPH over limit	$1998	$340
Open container	$2054	$342
Operating a vehicle without permission	$2195	$373
At-fault accident - $1000-$2000	$2252	$375
At-fault accident - greater than $2000	$2252	$383
Reckless driving	$2720	$453
Refusal to submit to a chemical test	$2765	$470
DUI	$2900	$484
Racing	$2923	$497
Leaving scene of an accident/hit and run	$2946	$491
Driving with a suspended license	$2957	$503

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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 Montegut 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 Montegut.

The cheapest car insurance premiums in Montegut are offered by Louisiana Farm Bureau at $316 for a six-month policy. However, it can be as expensive as $768 with companies like AAA.

Montegut car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$316	$54
Farm Bureau	$1083	$181
Southern Farm Bureau	$1303	$221
Progressive	$1484	$250
USAA	$2021	$340
Safeway	$2025	$341
State Farm	$2082	$351
Allstate	$2528	$426
AAA	$768	$130

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 Montegut are offered by Louisiana Farm Bureau at $259. However, it can be as expensive as $1812 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Montegut after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$259	$44
State Farm	$881	$148
Farm Bureau	$925	$158
Progressive	$1230	$207
USAA	$1355	$230
Safeway	$1670	$278
Allstate	$1812	$308

Car Insurance Price Trends in Montegut, Louisiana

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

The average cost of full coverage in the Montegut rose by $288 in December compared to $284 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 Montegut rose to $79 in December, compared to $72 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 Montegut?

The car insurance in Montegut is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Montegut?

The cheapest car insurance in Montegut is $77 per month for full coverage.

How much is car insurance in Montegut for teenagers?

Car insurance for teenagers costs $361 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 Montegut?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $240 per month to insure your car in Montegut.

Is car insurance expensive in Montegut?

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

What is the best car insurance in Montegut, LA?

The best car insurance company in Montegut LA is Louisiana Farm Bureau, offering $463 for a six-month policy.