Cheapest Car Insurance Quotes in New Llano

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New Llano Car Insurance

^$ 31

/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 Llano

The car insurance rate in New Llano is $1335 for a six-month policy, which is $355 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $385, making it a popular choice for budget-conscious drivers. Rates in New Llano 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 Llano

$1335

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in New Llano

1st place: Louisiana Farm Bureau

At $385 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $873 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1159 for six months, making it the third cheapest auto insurance company in New Llano.

New Llano Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Llano, LA is Louisiana Farm Bureau, offering policies at just $385 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $873.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1872 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Llano drivers find the best deals.

Cheap Car Insurance Companies in New Llano, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$385	$66
Southern Farm Bureau	$873	$145
USAA	$1159	$195
Progressive	$1304	$220
Farm Bureau	$1361	$229
State Farm	$1436	$242
Safeway	$1469	$247
SafeAuto	$1492	$249
Encompass	$1525	$259
Allstate	$1816	$306
AAA	$1872	$318

Key Takeaways

Way's key takeaways about car insurance in New Llano

The auto insurance costs in New Llano fall around $385 for six months.
The cheapest auto insurance company in New Llano is Louisiana Farm Bureau.
Teen drivers pay the highest rate in New Llano at $946 per month.

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Cheapest Minimum Liability Car Insurance in New Llano

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 Llano are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in New Llano. Their Average 6 Month Premium is $183. Safeway is the most expensive at $573 for the same period.

Cheapest Liability Coverage in New Llano, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$183	$31
Southern Farm Bureau	$305	$52
USAA	$385	$65
Progressive	$394	$66
State Farm	$413	$70
Farm Bureau	$474	$80
AAA	$488	$81
Allstate	$493	$83
SafeAuto	$535	$89
Safeway	$573	$96

Cheapest Full Coverage Car Insurance in New Llano

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 Llano is Louisiana Farm Bureau at $66 per month and $385 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Llano, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$385	$66
Southern Farm Bureau	$873	$145
USAA	$1159	$195
Progressive	$1304	$220
Farm Bureau	$1361	$229
State Farm	$1436	$242
Safeway	$1469	$247
SafeAuto	$1492	$249
Encompass	$1525	$259
Allstate	$1816	$306
AAA	$1872	$318

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Average Car Insurance in New Llano 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 Llano, LA increasing?

Despite maintaining a clean driving record, your car insurance rates in New Llano, 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 Llano'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 Llano

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	$788
30s	USAA	$640
40s	USAA	$589
50s	USAA	$563
60s	USAA	$601
70s	USAA	$616

Cheapest Car Insurance Rates for Teen Drivers in New Llano,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 Llano at $50 per month. At $5561 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	$300	$50
State Farm	$2285	$385
USAA	$2440	$407
Safeway	$3730	$634
Allstate	$4148	$691
Progressive	$4308	$725
Farm Bureau	$4881	$814
AAA	$5561	$946

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 Llano.

As young drivers face the highest rates in New Llano, USAA offers the cheapest auto insurance rates at $788 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 Llano, Louisiana Farm Bureau is the cheapest car insurance provider. At $329 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 Llano is State Farm, offering rates of around $7311 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$329	$56
Allstate	$1398	$233
Progressive	$1567	$264
USAA	$1591	$265
Safeway	$1596	$271
Farm Bureau	$3026	$505
AAA	$5312	$903
State Farm	$7311	$1218

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Car Insurance Rates with An Accident in New Llano

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

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

The cheapest car insurance companies after an at-fault accident in New Llano include Louisiana Farm Bureau and State Farm, offering $239 and $939, respectively. AAA is an expensive provider with an average six-month premium of $2999.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$239	$40
State Farm	$939	$158
USAA	$1056	$178
Progressive	$1159	$195
Safeway	$1352	$228
Farm Bureau	$1464	$249
Allstate	$1488	$250
AAA	$2999	$510

New Llano Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Llano LA. For example, the car insurance in New Llano after a DUI increases to $1117 for a six month policy. While the rate increases by $324 for a six-month policy in the case of a speeding ticket.

New Llano auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1295	$216
One Med/PIP claim	$1295	$220
Two Med/PIP claims	$1309	$218
Not-at-fault accident	$1314	$224
One comp claim	$1319	$220
Two comp claims	$1366	$232
Failure to wear a seat belt	$1525	$254
Failure to show documents	$1544	$262
Child safety restraint	$1567	$261
Driving without lights	$1567	$266
Driving with expired registration	$1596	$266
Driving too slowly	$1619	$275
Speeding 11 - 15 MPH over limit	$1619	$270
Speeding 16 - 20 MPH over limit	$1619	$275
Speeding 6 - 10 MPH over limit	$1619	$270
Speeding in school zone	$1619	$275
In 65 MPH zone	$1623	$271
Cell phone violation	$1638	$278
Texting while driving	$1638	$273
Wrong way/wrong lane	$1638	$278
At-fault accident - less than $1000	$1647	$274
Failure to stop at a red light	$1647	$280
Failure to yield	$1647	$274
Following too closely	$1647	$280
Illegal turn	$1647	$274
Improper passing	$1647	$280
Passing school bus	$1661	$277
Speeding 21 - 25 MPH over limit	$1661	$283
Open container	$1708	$284
Operating a vehicle without permission	$1826	$310
At-fault accident - $1000-$2000	$1872	$312
At-fault accident - greater than $2000	$1872	$318
Reckless driving	$2262	$377
Refusal to submit to a chemical test	$2300	$391
DUI	$2412	$402
Racing	$2431	$413
Leaving scene of an accident/hit and run	$2450	$408
Driving with a suspended license	$2459	$418

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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 Llano 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 Llano.

The cheapest car insurance premiums in New Llano are offered by Louisiana Farm Bureau at $263 for a six-month policy. However, it can be as expensive as $2774 with companies like AAA.

New Llano car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$263	$43
Southern Farm Bureau	$1084	$184
Progressive	$1323	$223
Farm Bureau	$1464	$249
USAA	$1788	$301
Safeway	$1849	$311
State Farm	$2060	$347
Allstate	$2262	$381
AAA	$2774	$462

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 Llano are offered by Louisiana Farm Bureau at $216. However, it can be as expensive as $2605 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in New Llano after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$216	$36
State Farm	$967	$163
Progressive	$1168	$197
USAA	$1267	$216
Farm Bureau	$1464	$244
Safeway	$1628	$277
Allstate	$1821	$303
AAA	$2605	$443

Car Insurance Price Trends in New Llano, Louisiana

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

The average cost of full coverage in the New Llano rose by $294 in January compared to $240 of December. In other words, there has been an increase by $54 when you compare January and December.

The average cost of liability insurance in the New Llano rose to $70 in January, compared to $67 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in New Llano?

The car insurance in New Llano is $31 per month, which is lower than the national average.

What is the cheapest car insurance in New Llano?

The cheapest car insurance in New Llano is $66 per month for full coverage.

How much is car insurance in New Llano for teenagers?

Car insurance for teenagers costs $300 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 Llano?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $224 per month to insure your car in New Llano.

Is car insurance expensive in New Llano?

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

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

The best car insurance company in New Llano LA is Louisiana Farm Bureau, offering $385 for a six-month policy.