Cheapest Car Insurance Quotes in New Iberia

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New Iberia Car Insurance

^$ 39

/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 New Iberia

The car insurance rate in New Iberia is $1507 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $487, making it a popular choice for budget-conscious drivers. Rates in New Iberia 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 New Iberia

$1507

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in New Iberia

1st place: Louisiana Farm Bureau

At $487 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 $1063 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 $1105 for six months, making it the third cheapest auto insurance company in New Iberia.

New Iberia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Iberia, LA is Louisiana Farm Bureau, offering policies at just $487 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1063.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2150 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Iberia drivers find the best deals.

Cheap Car Insurance Companies in New Iberia, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$487	$81
Farm Bureau	$1063	$179
Southern Farm Bureau	$1105	$184
USAA	$1437	$242
Progressive	$1580	$266
State Farm	$1675	$282
Safeway	$1758	$296
SafeAuto	$1889	$321
Encompass	$1931	$322
Allstate	$2150	$362

Key Takeaways

Way's key takeaways about car insurance in New Iberia

The auto insurance costs in New Iberia fall around $487 for six months.
The cheapest auto insurance company in New Iberia is Louisiana Farm Bureau.
Teen drivers pay the highest rate in New Iberia at $125 per month.

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Cheapest Minimum Liability Car Insurance in New Iberia

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 New Iberia are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in New Iberia. Their Average 6 Month Premium is $232. AAA is the most expensive at $481 for the same period.

Cheapest Liability Coverage in New Iberia, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$232	$39
Farm Bureau	$362	$61
Southern Farm Bureau	$386	$64
State Farm	$475	$80
USAA	$475	$80
Progressive	$499	$84
Allstate	$647	$109
SafeAuto	$677	$115
Safeway	$713	$120
AAA	$481	$80

Cheapest Full Coverage Car Insurance in New Iberia

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 New Iberia is Louisiana Farm Bureau at $81 per month and $487 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Iberia, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$487	$81
Farm Bureau	$1063	$179
Southern Farm Bureau	$1105	$184
USAA	$1437	$242
Progressive	$1580	$266
State Farm	$1675	$282
Safeway	$1758	$296
SafeAuto	$1889	$321
Encompass	$1931	$322
Allstate	$2150	$362

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Average Car Insurance in New Iberia 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 New Iberia, LA increasing?

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

Car Insurance Premiums by Age in New Iberia

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	$998
30s	USAA	$810
40s	USAA	$746
50s	USAA	$713
60s	USAA	$761
70s	USAA	$780

Cheapest Car Insurance Rates for Teen Drivers in New Iberia,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 New Iberia at $63 per month. At $737 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	$380	$63
Farm Bureau	$1669	$284
State Farm	$2144	$361
USAA	$2721	$463
Safeway	$4140	$690
Allstate	$4449	$756
Progressive	$4704	$792
AAA	$737	$125

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 New Iberia.

As young drivers face the highest rates in New Iberia, USAA offers the cheapest auto insurance rates at $998 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 New Iberia, Louisiana Farm Bureau is the cheapest car insurance provider. At $416 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 New Iberia is State Farm, offering rates of around $6492 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$416	$71
Allstate	$1473	$246
Farm Bureau	$1538	$262
Safeway	$1717	$286
Progressive	$1734	$292
USAA	$1800	$300
State Farm	$6492	$1104

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Car Insurance Rates with An Accident in New Iberia

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Iberia

The cheapest car insurance companies after an at-fault accident in New Iberia include Louisiana Farm Bureau and State Farm, offering $303 and $903, respectively. Allstate is an expensive provider with an average six-month premium of $1669.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$303	$50
State Farm	$903	$152
Farm Bureau	$1099	$183
USAA	$1236	$208
Progressive	$1325	$223
Safeway	$1521	$256
Allstate	$1669	$281

New Iberia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Iberia LA. For example, the car insurance in New Iberia after a DUI increases to $1414 for a six month policy. While the rate increases by $410 for a six-month policy in the case of a speeding ticket.

New Iberia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1639	$273
One Med/PIP claim	$1639	$279
Two Med/PIP claims	$1657	$276
Not-at-fault accident	$1663	$283
One comp claim	$1669	$278
Two comp claims	$1729	$294
Failure to wear a seat belt	$1931	$322
Failure to show documents	$1954	$332
Child safety restraint	$1984	$331
Driving without lights	$1984	$337
Driving with expired registration	$2020	$337
Driving too slowly	$2049	$348
Speeding 11 - 15 MPH over limit	$2049	$342
Speeding 16 - 20 MPH over limit	$2049	$348
Speeding 6 - 10 MPH over limit	$2049	$342
Speeding in school zone	$2049	$348
In 65 MPH zone	$2055	$343
Cell phone violation	$2073	$352
Texting while driving	$2073	$346
Wrong way/wrong lane	$2073	$352
At-fault accident - less than $1000	$2085	$347
Failure to stop at a red light	$2085	$355
Failure to yield	$2085	$347
Following too closely	$2085	$355
Illegal turn	$2085	$347
Improper passing	$2085	$355
Passing school bus	$2103	$350
Speeding 21 - 25 MPH over limit	$2103	$358
Open container	$2162	$360
Operating a vehicle without permission	$2311	$393
At-fault accident - $1000-$2000	$2370	$395
At-fault accident - greater than $2000	$2370	$403
Reckless driving	$2863	$477
Refusal to submit to a chemical test	$2911	$495
DUI	$3053	$509
Racing	$3077	$523
Leaving scene of an accident/hit and run	$3101	$517
Driving with a suspended license	$3113	$529

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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 New Iberia 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 New Iberia.

The cheapest car insurance premiums in New Iberia are offered by Louisiana Farm Bureau at $333 for a six-month policy. However, it can be as expensive as $808 with companies like AAA.

New Iberia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$333	$57
Farm Bureau	$1140	$190
Southern Farm Bureau	$1372	$233
Progressive	$1562	$263
USAA	$2127	$358
Safeway	$2132	$359
State Farm	$2192	$369
Allstate	$2661	$448
AAA	$808	$137

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 New Iberia are offered by Louisiana Farm Bureau at $273. However, it can be as expensive as $1907 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New Iberia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$273	$46
State Farm	$927	$156
Farm Bureau	$974	$166
Progressive	$1295	$218
USAA	$1426	$242
Safeway	$1758	$293
Allstate	$1907	$324

Car Insurance Price Trends in New Iberia, Louisiana

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

The average cost of full coverage in the New Iberia rose by $303 in December compared to $299 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 New Iberia rose to $83 in December, compared to $76 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 New Iberia?

The car insurance in New Iberia is $39 per month, which is lower than the national average.

What is the cheapest car insurance in New Iberia?

The cheapest car insurance in New Iberia is $81 per month for full coverage.

How much is car insurance in New Iberia for teenagers?

Car insurance for teenagers costs $380 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 New Iberia?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $253 per month to insure your car in New Iberia.

Is car insurance expensive in New Iberia?

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

What is the best car insurance in New Iberia, LA?

The best car insurance company in New Iberia LA is Louisiana Farm Bureau, offering $487 for a six-month policy.