Cheapest Car Insurance Quotes in Moss Bluff

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Moss Bluff Car Insurance

^$ 40

/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 Moss Bluff

The car insurance rate in Moss Bluff is $1537 for a six-month policy, which is $30 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $497, making it a popular choice for budget-conscious drivers. Rates in Moss Bluff 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 Moss Bluff

$1537

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Moss Bluff

1st place: Louisiana Farm Bureau

At $497 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 $1084 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 $1127 for six months, making it the third cheapest auto insurance company in Moss Bluff.

Moss Bluff Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Moss Bluff, LA is Louisiana Farm Bureau, offering policies at just $497 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1084.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2193 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Moss Bluff drivers find the best deals.

Cheap Car Insurance Companies in Moss Bluff, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$497	$83
Farm Bureau	$1084	$183
Southern Farm Bureau	$1127	$188
USAA	$1466	$247
Progressive	$1612	$271
State Farm	$1709	$288
Safeway	$1793	$302
SafeAuto	$1927	$327
Encompass	$1970	$328
Allstate	$2193	$369

Key Takeaways

Way's key takeaways about car insurance in Moss Bluff

The auto insurance costs in Moss Bluff fall around $497 for six months.
The cheapest auto insurance company in Moss Bluff is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Moss Bluff at $128 per month.

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Cheapest Minimum Liability Car Insurance in Moss Bluff

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 Moss Bluff are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Moss Bluff. Their Average 6 Month Premium is $237. AAA is the most expensive at $491 for the same period.

Cheapest Liability Coverage in Moss Bluff, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$237	$40
Farm Bureau	$369	$62
Southern Farm Bureau	$394	$65
State Farm	$485	$82
USAA	$485	$82
Progressive	$509	$86
Allstate	$660	$111
SafeAuto	$691	$117
Safeway	$727	$122
AAA	$491	$82

Cheapest Full Coverage Car Insurance in Moss Bluff

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 Moss Bluff is Louisiana Farm Bureau at $83 per month and $497 for six months.

Cheapest Full Coverage Car Insurance Quotes in Moss Bluff, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$497	$83
Farm Bureau	$1084	$183
Southern Farm Bureau	$1127	$188
USAA	$1466	$247
Progressive	$1612	$271
State Farm	$1709	$288
Safeway	$1793	$302
SafeAuto	$1927	$327
Encompass	$1970	$328
Allstate	$2193	$369

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Average Car Insurance in Moss Bluff 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 Moss Bluff, LA increasing?

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

Car Insurance Premiums by Age in Moss Bluff

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	$1018
30s	USAA	$826
40s	USAA	$761
50s	USAA	$727
60s	USAA	$776
70s	USAA	$796

Cheapest Car Insurance Rates for Teen Drivers in Moss Bluff,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 Moss Bluff at $64 per month. At $752 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	$388	$64
Farm Bureau	$1702	$290
State Farm	$2187	$368
USAA	$2775	$472
Safeway	$4223	$704
Allstate	$4538	$771
Progressive	$4798	$808
AAA	$752	$128

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 Moss Bluff.

As young drivers face the highest rates in Moss Bluff, USAA offers the cheapest auto insurance rates at $1018 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 Moss Bluff, Louisiana Farm Bureau is the cheapest car insurance provider. At $424 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 Moss Bluff is State Farm, offering rates of around $6622 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$424	$72
Allstate	$1502	$251
Farm Bureau	$1569	$267
Safeway	$1751	$292
Progressive	$1769	$298
USAA	$1836	$306
State Farm	$6622	$1126

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Car Insurance Rates with An Accident in Moss Bluff

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

Cheapest Car Insurance Companies after an At-Fault Accident in Moss Bluff

The cheapest car insurance companies after an at-fault accident in Moss Bluff include Louisiana Farm Bureau and State Farm, offering $309 and $921, respectively. Allstate is an expensive provider with an average six-month premium of $1702.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$309	$51
State Farm	$921	$155
Farm Bureau	$1121	$187
USAA	$1261	$212
Progressive	$1352	$227
Safeway	$1551	$261
Allstate	$1702	$287

Moss Bluff Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Moss Bluff LA. For example, the car insurance in Moss Bluff after a DUI increases to $1442 for a six month policy. While the rate increases by $418 for a six-month policy in the case of a speeding ticket.

Moss Bluff auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1672	$278
One Med/PIP claim	$1672	$285
Two Med/PIP claims	$1690	$282
Not-at-fault accident	$1696	$289
One comp claim	$1702	$284
Two comp claims	$1764	$300
Failure to wear a seat belt	$1970	$328
Failure to show documents	$1993	$339
Child safety restraint	$2024	$338
Driving without lights	$2024	$344
Driving with expired registration	$2060	$344
Driving too slowly	$2090	$355
Speeding 11 - 15 MPH over limit	$2090	$349
Speeding 16 - 20 MPH over limit	$2090	$355
Speeding 6 - 10 MPH over limit	$2090	$349
Speeding in school zone	$2090	$355
In 65 MPH zone	$2096	$350
Cell phone violation	$2114	$359
Texting while driving	$2114	$353
Wrong way/wrong lane	$2114	$359
At-fault accident - less than $1000	$2127	$354
Failure to stop at a red light	$2127	$362
Failure to yield	$2127	$354
Following too closely	$2127	$362
Illegal turn	$2127	$354
Improper passing	$2127	$362
Passing school bus	$2145	$357
Speeding 21 - 25 MPH over limit	$2145	$365
Open container	$2205	$367
Operating a vehicle without permission	$2357	$401
At-fault accident - $1000-$2000	$2417	$403
At-fault accident - greater than $2000	$2417	$411
Reckless driving	$2920	$487
Refusal to submit to a chemical test	$2969	$505
DUI	$3114	$519
Racing	$3139	$533
Leaving scene of an accident/hit and run	$3163	$527
Driving with a suspended license	$3175	$540

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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 Moss Bluff 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 Moss Bluff.

The cheapest car insurance premiums in Moss Bluff are offered by Louisiana Farm Bureau at $340 for a six-month policy. However, it can be as expensive as $824 with companies like AAA.

Moss Bluff car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$340	$58
Farm Bureau	$1163	$194
Southern Farm Bureau	$1399	$238
Progressive	$1593	$268
USAA	$2170	$365
Safeway	$2175	$366
State Farm	$2236	$376
Allstate	$2714	$457
AAA	$824	$140

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 Moss Bluff are offered by Louisiana Farm Bureau at $278. However, it can be as expensive as $1945 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Moss Bluff after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$278	$47
State Farm	$946	$159
Farm Bureau	$993	$169
Progressive	$1321	$222
USAA	$1455	$247
Safeway	$1793	$299
Allstate	$1945	$330

Car Insurance Price Trends in Moss Bluff, Louisiana

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

The average cost of full coverage in the Moss Bluff rose by $309 in December compared to $305 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 Moss Bluff rose to $85 in December, compared to $78 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 Moss Bluff?

The car insurance in Moss Bluff is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Moss Bluff?

The cheapest car insurance in Moss Bluff is $83 per month for full coverage.

How much is car insurance in Moss Bluff for teenagers?

Car insurance for teenagers costs $388 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 Moss Bluff?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $258 per month to insure your car in Moss Bluff.

Is car insurance expensive in Moss Bluff?

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

What is the best car insurance in Moss Bluff, LA?

The best car insurance company in Moss Bluff LA is Louisiana Farm Bureau, offering $497 for a six-month policy.