Cheapest Car Insurance Quotes in Napoleonville

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Napoleonville Car Insurance

^$ 38

/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 Napoleonville

The car insurance rate in Napoleonville is $1477 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $477, making it a popular choice for budget-conscious drivers. Rates in Napoleonville 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 Napoleonville

$1477

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Napoleonville

1st place: Louisiana Farm Bureau

At $477 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 $1042 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 $1083 for six months, making it the third cheapest auto insurance company in Napoleonville.

Napoleonville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Napoleonville, LA is Louisiana Farm Bureau, offering policies at just $477 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1042.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2107 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Napoleonville drivers find the best deals.

Cheap Car Insurance Companies in Napoleonville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$477	$79
Farm Bureau	$1042	$175
Southern Farm Bureau	$1083	$180
USAA	$1408	$237
Progressive	$1548	$261
State Farm	$1642	$276
Safeway	$1723	$290
SafeAuto	$1851	$315
Encompass	$1892	$316
Allstate	$2107	$355

Key Takeaways

Way's key takeaways about car insurance in Napoleonville

The auto insurance costs in Napoleonville fall around $477 for six months.
The cheapest auto insurance company in Napoleonville is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Napoleonville at $123 per month.

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Cheapest Minimum Liability Car Insurance in Napoleonville

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 Napoleonville are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Napoleonville. Their Average 6 Month Premium is $227. AAA is the most expensive at $471 for the same period.

Cheapest Liability Coverage in Napoleonville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$227	$38
Farm Bureau	$355	$60
Southern Farm Bureau	$378	$63
State Farm	$466	$78
USAA	$466	$78
Progressive	$489	$82
Allstate	$634	$107
SafeAuto	$663	$113
Safeway	$699	$118
AAA	$471	$78

Cheapest Full Coverage Car Insurance in Napoleonville

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 Napoleonville is Louisiana Farm Bureau at $79 per month and $477 for six months.

Cheapest Full Coverage Car Insurance Quotes in Napoleonville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$477	$79
Farm Bureau	$1042	$175
Southern Farm Bureau	$1083	$180
USAA	$1408	$237
Progressive	$1548	$261
State Farm	$1642	$276
Safeway	$1723	$290
SafeAuto	$1851	$315
Encompass	$1892	$316
Allstate	$2107	$355

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Average Car Insurance in Napoleonville 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 Napoleonville, LA increasing?

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

Car Insurance Premiums by Age in Napoleonville

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	$978
30s	USAA	$794
40s	USAA	$731
50s	USAA	$699
60s	USAA	$746
70s	USAA	$764

Cheapest Car Insurance Rates for Teen Drivers in Napoleonville,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 Napoleonville at $62 per month. At $722 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	$372	$62
Farm Bureau	$1636	$278
State Farm	$2101	$354
USAA	$2667	$454
Safeway	$4057	$676
Allstate	$4360	$741
Progressive	$4610	$776
AAA	$722	$123

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 Napoleonville.

As young drivers face the highest rates in Napoleonville, USAA offers the cheapest auto insurance rates at $978 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 Napoleonville, Louisiana Farm Bureau is the cheapest car insurance provider. At $408 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 Napoleonville is State Farm, offering rates of around $6362 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$408	$70
Allstate	$1444	$241
Farm Bureau	$1507	$257
Safeway	$1683	$280
Progressive	$1699	$286
USAA	$1764	$294
State Farm	$6362	$1082

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Car Insurance Rates with An Accident in Napoleonville

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

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

The cheapest car insurance companies after an at-fault accident in Napoleonville include Louisiana Farm Bureau and State Farm, offering $297 and $885, respectively. Allstate is an expensive provider with an average six-month premium of $1636.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$297	$49
State Farm	$885	$149
Farm Bureau	$1077	$179
USAA	$1211	$204
Progressive	$1299	$219
Safeway	$1491	$251
Allstate	$1636	$275

Napoleonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Napoleonville LA. For example, the car insurance in Napoleonville after a DUI increases to $1386 for a six month policy. While the rate increases by $402 for a six-month policy in the case of a speeding ticket.

Napoleonville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1606	$268
One Med/PIP claim	$1606	$273
Two Med/PIP claims	$1624	$270
Not-at-fault accident	$1630	$277
One comp claim	$1636	$272
Two comp claims	$1694	$288
Failure to wear a seat belt	$1892	$316
Failure to show documents	$1915	$325
Child safety restraint	$1944	$324
Driving without lights	$1944	$330
Driving with expired registration	$1980	$330
Driving too slowly	$2008	$341
Speeding 11 - 15 MPH over limit	$2008	$335
Speeding 16 - 20 MPH over limit	$2008	$341
Speeding 6 - 10 MPH over limit	$2008	$335
Speeding in school zone	$2008	$341
In 65 MPH zone	$2014	$336
Cell phone violation	$2032	$345
Texting while driving	$2032	$339
Wrong way/wrong lane	$2032	$345
At-fault accident - less than $1000	$2043	$340
Failure to stop at a red light	$2043	$348
Failure to yield	$2043	$340
Following too closely	$2043	$348
Illegal turn	$2043	$340
Improper passing	$2043	$348
Passing school bus	$2061	$343
Speeding 21 - 25 MPH over limit	$2061	$351
Open container	$2119	$353
Operating a vehicle without permission	$2265	$385
At-fault accident - $1000-$2000	$2323	$387
At-fault accident - greater than $2000	$2323	$395
Reckless driving	$2806	$467
Refusal to submit to a chemical test	$2853	$485
DUI	$2992	$499
Racing	$3015	$513
Leaving scene of an accident/hit and run	$3039	$507
Driving with a suspended license	$3051	$518

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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 Napoleonville 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 Napoleonville.

The cheapest car insurance premiums in Napoleonville are offered by Louisiana Farm Bureau at $326 for a six-month policy. However, it can be as expensive as $792 with companies like AAA.

Napoleonville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$326	$56
Farm Bureau	$1117	$186
Southern Farm Bureau	$1345	$228
Progressive	$1531	$258
USAA	$2084	$351
Safeway	$2089	$352
State Farm	$2148	$362
Allstate	$2608	$439
AAA	$792	$134

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 Napoleonville are offered by Louisiana Farm Bureau at $268. However, it can be as expensive as $1869 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Napoleonville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$268	$45
State Farm	$908	$153
Farm Bureau	$955	$163
Progressive	$1269	$214
USAA	$1397	$237
Safeway	$1723	$287
Allstate	$1869	$318

Car Insurance Price Trends in Napoleonville, Louisiana

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

The average cost of full coverage in the Napoleonville rose by $297 in December compared to $293 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 Napoleonville rose to $81 in December, compared to $74 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 Napoleonville?

The car insurance in Napoleonville is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Napoleonville?

The cheapest car insurance in Napoleonville is $79 per month for full coverage.

How much is car insurance in Napoleonville for teenagers?

Car insurance for teenagers costs $372 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 Napoleonville?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $248 per month to insure your car in Napoleonville.

Is car insurance expensive in Napoleonville?

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

What is the best car insurance in Napoleonville, LA?

The best car insurance company in Napoleonville LA is Louisiana Farm Bureau, offering $477 for a six-month policy.