Cheapest Car Insurance Quotes in Morgan City

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Morgan City Car Insurance

^$ 35

/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 Morgan City

The car insurance rate in Morgan City is $1356 for a six-month policy, which is $151 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $438, making it a popular choice for budget-conscious drivers. Rates in Morgan City 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 Morgan City

$1356

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Morgan City

1st place: Louisiana Farm Bureau

At $438 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 $957 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 $995 for six months, making it the third cheapest auto insurance company in Morgan City.

Morgan City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morgan City, LA is Louisiana Farm Bureau, offering policies at just $438 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $957.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1935 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morgan City drivers find the best deals.

Cheap Car Insurance Companies in Morgan City, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$438	$73
Farm Bureau	$957	$161
Southern Farm Bureau	$995	$166
USAA	$1293	$218
Progressive	$1422	$239
State Farm	$1508	$254
Safeway	$1582	$266
SafeAuto	$1700	$289
Encompass	$1738	$290
Allstate	$1935	$326

Key Takeaways

Way's key takeaways about car insurance in Morgan City

The auto insurance costs in Morgan City fall around $438 for six months.
The cheapest auto insurance company in Morgan City is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Morgan City at $113 per month.

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Cheapest Minimum Liability Car Insurance in Morgan City

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 Morgan City are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Morgan City. Their Average 6 Month Premium is $209. AAA is the most expensive at $433 for the same period.

Cheapest Liability Coverage in Morgan City, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$209	$35
Farm Bureau	$326	$55
Southern Farm Bureau	$347	$58
State Farm	$428	$72
USAA	$428	$72
Progressive	$449	$76
Allstate	$582	$98
SafeAuto	$609	$104
Safeway	$642	$108
AAA	$433	$72

Cheapest Full Coverage Car Insurance in Morgan City

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 Morgan City is Louisiana Farm Bureau at $73 per month and $438 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morgan City, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$438	$73
Farm Bureau	$957	$161
Southern Farm Bureau	$995	$166
USAA	$1293	$218
Progressive	$1422	$239
State Farm	$1508	$254
Safeway	$1582	$266
SafeAuto	$1700	$289
Encompass	$1738	$290
Allstate	$1935	$326

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Average Car Insurance in Morgan City 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 Morgan City, LA increasing?

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

Car Insurance Premiums by Age in Morgan City

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	$898
30s	USAA	$729
40s	USAA	$671
50s	USAA	$642
60s	USAA	$685
70s	USAA	$702

Cheapest Car Insurance Rates for Teen Drivers in Morgan City,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 Morgan City at $57 per month. At $663 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	$342	$57
Farm Bureau	$1502	$256
State Farm	$1930	$325
USAA	$2449	$417
Safeway	$3726	$621
Allstate	$4004	$680
Progressive	$4234	$713
AAA	$663	$113

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 Morgan City.

As young drivers face the highest rates in Morgan City, USAA offers the cheapest auto insurance rates at $898 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 Morgan City, Louisiana Farm Bureau is the cheapest car insurance provider. At $374 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 Morgan City is State Farm, offering rates of around $5843 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$374	$64
Allstate	$1326	$221
Farm Bureau	$1384	$236
Safeway	$1545	$257
Progressive	$1561	$263
USAA	$1620	$270
State Farm	$5843	$994

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Car Insurance Rates with An Accident in Morgan City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Morgan City

The cheapest car insurance companies after an at-fault accident in Morgan City include Louisiana Farm Bureau and State Farm, offering $273 and $813, respectively. Allstate is an expensive provider with an average six-month premium of $1502.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$273	$45
State Farm	$813	$137
Farm Bureau	$989	$165
USAA	$1112	$187
Progressive	$1193	$201
Safeway	$1369	$230
Allstate	$1502	$253

Morgan City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morgan City LA. For example, the car insurance in Morgan City after a DUI increases to $1273 for a six month policy. While the rate increases by $369 for a six-month policy in the case of a speeding ticket.

Morgan City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1475	$246
One Med/PIP claim	$1475	$251
Two Med/PIP claims	$1491	$248
Not-at-fault accident	$1497	$255
One comp claim	$1502	$250
Two comp claims	$1556	$265
Failure to wear a seat belt	$1738	$290
Failure to show documents	$1759	$299
Child safety restraint	$1786	$298
Driving without lights	$1786	$303
Driving with expired registration	$1818	$303
Driving too slowly	$1844	$313
Speeding 11 - 15 MPH over limit	$1844	$308
Speeding 16 - 20 MPH over limit	$1844	$313
Speeding 6 - 10 MPH over limit	$1844	$308
Speeding in school zone	$1844	$313
In 65 MPH zone	$1850	$309
Cell phone violation	$1866	$317
Texting while driving	$1866	$311
Wrong way/wrong lane	$1866	$317
At-fault accident - less than $1000	$1877	$312
Failure to stop at a red light	$1877	$320
Failure to yield	$1877	$312
Following too closely	$1877	$320
Illegal turn	$1877	$312
Improper passing	$1877	$320
Passing school bus	$1893	$315
Speeding 21 - 25 MPH over limit	$1893	$322
Open container	$1946	$324
Operating a vehicle without permission	$2080	$354
At-fault accident - $1000-$2000	$2133	$356
At-fault accident - greater than $2000	$2133	$363
Reckless driving	$2577	$429
Refusal to submit to a chemical test	$2620	$446
DUI	$2748	$458
Racing	$2769	$471
Leaving scene of an accident/hit and run	$2791	$465
Driving with a suspended license	$2802	$476

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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 Morgan City 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 Morgan City.

The cheapest car insurance premiums in Morgan City are offered by Louisiana Farm Bureau at $300 for a six-month policy. However, it can be as expensive as $727 with companies like AAA.

Morgan City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$300	$51
Farm Bureau	$1026	$171
Southern Farm Bureau	$1235	$210
Progressive	$1406	$237
USAA	$1914	$322
Safeway	$1919	$323
State Farm	$1973	$332
Allstate	$2395	$403
AAA	$727	$123

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 Morgan City are offered by Louisiana Farm Bureau at $246. However, it can be as expensive as $1716 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Morgan City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$246	$41
State Farm	$834	$140
Farm Bureau	$877	$149
Progressive	$1166	$196
USAA	$1283	$218
Safeway	$1582	$264
Allstate	$1716	$292

Car Insurance Price Trends in Morgan City, Louisiana

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

The average cost of full coverage in the Morgan City rose by $273 in December compared to $269 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 Morgan City rose to $75 in December, compared to $68 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 Morgan City?

The car insurance in Morgan City is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Morgan City?

The cheapest car insurance in Morgan City is $73 per month for full coverage.

How much is car insurance in Morgan City for teenagers?

Car insurance for teenagers costs $342 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 Morgan City?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $228 per month to insure your car in Morgan City.

Is car insurance expensive in Morgan City?

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

What is the best car insurance in Morgan City, LA?

The best car insurance company in Morgan City LA is Louisiana Farm Bureau, offering $438 for a six-month policy.