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Finding the cheapest car insurance quotes in Mount Hermon shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Mount Hermon
The car insurance rate in Mount Hermon is $1522 for a six-month policy, which is $15 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $492, making it a popular choice for budget-conscious drivers. Rates in Mount Hermon 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 $492 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 $1074 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 $1116
for six months, making it
the third cheapest auto insurance company in Mount Hermon.
Mount Hermon Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mount Hermon, LA is Louisiana Farm Bureau, offering policies at just $492 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1074.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2172 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Hermon drivers find the best deals.
Way's key takeaways about car insurance in Mount Hermon
The auto insurance costs in Mount Hermon fall around $492 for six
months.
The cheapest auto insurance company in Mount Hermon is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Mount Hermon at $126 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Mount Hermon
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 Mount Hermon are given below.
Louisiana Farm Bureau provides
the cheapest minimum car insurance
coverage in Mount Hermon. Their Average 6 Month Premium is $234.
AAA is the most
expensive at $486 for the same
period.
Cheapest Full Coverage Car Insurance in Mount Hermon
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 Mount Hermon is Louisiana Farm Bureau
at $82 per month and $492
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mount Hermon,
LA
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Average Car Insurance in Mount Hermon 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 Mount Hermon, LA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mount Hermon, 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, Mount Hermon's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mount Hermon
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
$1008
30s
USAA
$818
40s
USAA
$753
50s
USAA
$720
60s
USAA
$769
70s
USAA
$788
Cheapest Car Insurance Rates for Teen Drivers in
Mount Hermon,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 Mount Hermon at $64
per
month. At $744 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Mount Hermon.
As young drivers face the highest rates in Mount Hermon, USAA
offers the cheapest auto insurance rates at $1008 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 Mount Hermon,
Louisiana Farm Bureau is
the cheapest car insurance provider. At $420 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
Mount Hermon is State Farm, offering
rates of around $6557 for six
months.
Save up to $971/yr on car insurance rates in Mount Hermon.
Car Insurance Rates with An Accident in Mount Hermon
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 Mount Hermon, LA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mount Hermon
The cheapest car insurance companies after an at-fault accident in
Mount Hermon include Louisiana Farm Bureau
and State Farm, offering $306
and $912,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1686.
Here is a list of driving violations that can increase your car
insurance rates in Mount Hermon LA. For example, the car
insurance in Mount Hermon
after a DUI increases to $1429 for a six
month policy. While the rate increases by $414 for a six-month policy in the case of
a speeding ticket.
Mount Hermon auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1655
$276
One Med/PIP claim
$1655
$282
Two Med/PIP claims
$1674
$279
Not-at-fault accident
$1680
$286
One comp claim
$1686
$281
Two comp claims
$1746
$297
Failure to wear a seat belt
$1950
$325
Failure to show documents
$1974
$335
Child safety restraint
$2004
$334
Driving without lights
$2004
$340
Driving with expired registration
$2040
$340
Driving too slowly
$2069
$351
Speeding 11 - 15 MPH over limit
$2069
$345
Speeding 16 - 20 MPH over limit
$2069
$351
Speeding 6 - 10 MPH over limit
$2069
$345
Speeding in school zone
$2069
$351
In 65 MPH zone
$2076
$346
Cell phone violation
$2094
$356
Texting while driving
$2094
$349
Wrong way/wrong lane
$2094
$356
At-fault accident - less than $1000
$2106
$350
Failure to stop at a red light
$2106
$359
Failure to yield
$2106
$350
Following too closely
$2106
$359
Illegal turn
$2106
$350
Improper passing
$2106
$359
Passing school bus
$2124
$354
Speeding 21 - 25 MPH over limit
$2124
$362
Open container
$2184
$364
Operating a vehicle without permission
$2334
$397
At-fault accident - $1000-$2000
$2394
$399
At-fault accident - greater than $2000
$2394
$407
Reckless driving
$2892
$482
Refusal to submit to a chemical test
$2940
$500
DUI
$3084
$514
Racing
$3108
$528
Leaving scene of an accident/hit and run
$3132
$522
Driving with a suspended license
$3144
$534
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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 Mount Hermon 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 Mount Hermon.
The cheapest car insurance premiums in
Mount Hermon are
offered by Louisiana Farm Bureau at $336 for a six-month policy.
However, it can be as
expensive as $816 with companies
like AAA.
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 Mount Hermon are offered by Louisiana Farm Bureau
at $276. However,
it can be as expensive as $1926
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Mount Hermon after Speeding ticket
Car Insurance Price Trends in Mount Hermon,
Louisiana
Car insurance rates in Mount Hermon have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mount Hermon rose by
$306 in December
compared to $302 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 Mount Hermon rose to $84 in December,
compared to $77 in November.
This represents an increase of $7
when comparing December and November.
Average Car Insurance Cost in Mount Hermon by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Mount Hermon. At $3044 for a
six-month policy, insuring
your car at 70450 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Mount Hermon?
The car insurance in Mount Hermon is $39 per month, which is lower than the national average.
What is the cheapest car insurance in Mount Hermon?
The cheapest car insurance in Mount Hermon
is $82 per month
for full coverage.
How much is car insurance in Mount Hermon for teenagers?
Car insurance for teenagers costs $384 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
Mount Hermon?
The average cost of car insurance is $1507 for a six-month
policy. It will cost around $256 per month to insure your
car in Mount Hermon.
Is car insurance expensive in Mount Hermon?
Car insurance can be expensive in Mount Hermon if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mount Hermon can be
affordable.
What is the best car insurance in Mount Hermon,
LA?
The best car insurance company in Mount Hermon
LA is
Louisiana Farm Bureau, offering $492 for a
six-month policy.
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Mount Hermon Car Insurance
