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Montz Car Insurance
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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.
The car insurance rate in Montz is $1884 for a six-month policy, which is $377 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $609, making it a popular choice for budget-conscious drivers. Rates in Montz 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.
At $609 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.
Farm Bureau offers auto insurance rates at $1329 for a six-month policy, making it one of the cheapest to insure with.
Southern Farm Bureau offers auto insurance rates at $1381 for six months, making it the third cheapest auto insurance company in Montz.
Based on our research, the cheapest car insurance company in Montz, LA is Louisiana Farm Bureau, offering policies at just $609 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1329.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2688 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Montz drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $609 | $101 |
| Farm Bureau | $1329 | $224 |
| Southern Farm Bureau | $1381 | $230 |
| USAA | $1796 | $303 |
| Progressive | $1975 | $333 |
| State Farm | $2094 | $353 |
| Safeway | $2198 | $370 |
| SafeAuto | $2361 | $401 |
| Encompass | $2414 | $403 |
| Allstate | $2688 | $453 |
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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 Montz are given below.
Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Montz. Their Average 6 Month Premium is $290. AAA is the most expensive at $601 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $290 | $49 |
| Farm Bureau | $453 | $76 |
| Southern Farm Bureau | $483 | $80 |
| State Farm | $594 | $100 |
| USAA | $594 | $100 |
| Progressive | $624 | $105 |
| Allstate | $809 | $136 |
| SafeAuto | $846 | $144 |
| Safeway | $891 | $150 |
| AAA | $601 | $100 |
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 Montz is Louisiana Farm Bureau at $101 per month and $609 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $609 | $101 |
| Farm Bureau | $1329 | $224 |
| Southern Farm Bureau | $1381 | $230 |
| USAA | $1796 | $303 |
| Progressive | $1975 | $333 |
| State Farm | $2094 | $353 |
| Safeway | $2198 | $370 |
| SafeAuto | $2361 | $401 |
| Encompass | $2414 | $403 |
| Allstate | $2688 | $453 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Montz, 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, Montz's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $1248 |
| 30s | USAA | $1013 |
| 40s | USAA | $933 |
| 50s | USAA | $891 |
| 60s | USAA | $951 |
| 70s | USAA | $975 |
If you are planning to get a car insurance policy for your teenage dependent, Louisiana Farm Bureau provides the cheapest car insurance in the Montz at $79 per month. At $921 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 | $475 | $79 |
| Farm Bureau | $2086 | $355 |
| State Farm | $2680 | $451 |
| USAA | $3401 | $579 |
| Safeway | $5175 | $863 |
| Allstate | $5561 | $945 |
| Progressive | $5880 | $990 |
| AAA | $921 | $156 |
Teen Car Insurance Rates in LA by Age
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.
For those with poor credit scores in Montz, Louisiana Farm Bureau is the cheapest car insurance provider. At $520 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 Montz is State Farm, offering rates of around $8115 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $520 | $89 |
| Allstate | $1841 | $308 |
| Farm Bureau | $1923 | $328 |
| Safeway | $2146 | $358 |
| Progressive | $2168 | $365 |
| USAA | $2250 | $375 |
| State Farm | $8115 | $1380 |
Save up to $971/yr on car insurance rates in Montz.
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 Montz, LA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Montz include Louisiana Farm Bureau and State Farm, offering $379 and $1129, respectively. Allstate is an expensive provider with an average six-month premium of $2086.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $379 | $63 |
| State Farm | $1129 | $190 |
| Farm Bureau | $1374 | $229 |
| USAA | $1545 | $260 |
| Progressive | $1656 | $279 |
| Safeway | $1901 | $320 |
| Allstate | $2086 | $351 |
Here is a list of driving violations that can increase your car insurance rates in Montz LA. For example, the car insurance in Montz after a DUI increases to $1767 for a six month policy. While the rate increases by $512 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $2049 | $341 |
| One Med/PIP claim | $2049 | $349 |
| Two Med/PIP claims | $2071 | $345 |
| Not-at-fault accident | $2079 | $354 |
| One comp claim | $2086 | $348 |
| Two comp claims | $2161 | $368 |
| Failure to wear a seat belt | $2414 | $403 |
| Failure to show documents | $2443 | $415 |
| Child safety restraint | $2480 | $414 |
| Driving without lights | $2480 | $421 |
| Driving with expired registration | $2525 | $421 |
| Driving too slowly | $2561 | $435 |
| Speeding 11 - 15 MPH over limit | $2561 | $428 |
| Speeding 16 - 20 MPH over limit | $2561 | $435 |
| Speeding 6 - 10 MPH over limit | $2561 | $428 |
| Speeding in school zone | $2561 | $435 |
| In 65 MPH zone | $2569 | $429 |
| Cell phone violation | $2591 | $440 |
| Texting while driving | $2591 | $433 |
| Wrong way/wrong lane | $2591 | $440 |
| At-fault accident - less than $1000 | $2606 | $434 |
| Failure to stop at a red light | $2606 | $444 |
| Failure to yield | $2606 | $434 |
| Following too closely | $2606 | $444 |
| Illegal turn | $2606 | $434 |
| Improper passing | $2606 | $444 |
| Passing school bus | $2629 | $438 |
| Speeding 21 - 25 MPH over limit | $2629 | $448 |
| Open container | $2703 | $450 |
| Operating a vehicle without permission | $2889 | $491 |
| At-fault accident - $1000-$2000 | $2963 | $494 |
| At-fault accident - greater than $2000 | $2963 | $504 |
| Reckless driving | $3579 | $596 |
| Refusal to submit to a chemical test | $3639 | $619 |
| DUI | $3816 | $636 |
| Racing | $3846 | $654 |
| Leaving scene of an accident/hit and run | $3876 | $646 |
| Driving with a suspended license | $3891 | $661 |
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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.
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 Montz.
The cheapest car insurance premiums in Montz are offered by Louisiana Farm Bureau at $416 for a six-month policy. However, it can be as expensive as $1010 with companies like AAA.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $416 | $71 |
| Farm Bureau | $1425 | $238 |
| Southern Farm Bureau | $1715 | $291 |
| Progressive | $1953 | $329 |
| USAA | $2659 | $448 |
| Safeway | $2665 | $449 |
| State Farm | $2740 | $461 |
| Allstate | $3326 | $560 |
| AAA | $1010 | $171 |
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 Montz are offered by Louisiana Farm Bureau at $341. However, it can be as expensive as $2384 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $341 | $58 |
| State Farm | $1159 | $195 |
| Farm Bureau | $1218 | $208 |
| Progressive | $1619 | $273 |
| USAA | $1783 | $303 |
| Safeway | $2198 | $366 |
| Allstate | $2384 | $405 |
Car insurance rates in Montz have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Montz rose by $379 in December compared to $374 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 Montz rose to $104 in December, compared to $95 in November. This represents an increase of $9 when comparing December and November.
How much is car insurance in Montz?
The car insurance in Montz is $49 per month, which is lower than the national average.
What is the cheapest car insurance in Montz?
The cheapest car insurance in Montz is $101 per month for full coverage.
How much is car insurance in Montz for teenagers?
Car insurance for teenagers costs $475 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 Montz?
The average cost of car insurance is $1507 for a six-month policy. It will cost around $316 per month to insure your car in Montz.
Is car insurance expensive in Montz?
Car insurance can be expensive in Montz if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Montz can be affordable.
What is the best car insurance in Montz, LA?
The best car insurance company in Montz LA is Louisiana Farm Bureau, offering $609 for a six-month policy.
Cut auto insurance costs in Montz right now.