Cheapest Car Insurance Quotes in New Sarpy

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399,755 Policies Sold

New Sarpy Car Insurance

^$ 43

/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 Sarpy

The car insurance rate in New Sarpy is $1673 for a six-month policy, which is $166 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $541, making it a popular choice for budget-conscious drivers. Rates in New Sarpy 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 Sarpy

$1673

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in New Sarpy

1st place: Louisiana Farm Bureau

At $541 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 $1180 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 $1227 for six months, making it the third cheapest auto insurance company in New Sarpy.

New Sarpy Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Sarpy, LA is Louisiana Farm Bureau, offering policies at just $541 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1180.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2387 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Sarpy drivers find the best deals.

Cheap Car Insurance Companies in New Sarpy, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$541	$90
Farm Bureau	$1180	$199
Southern Farm Bureau	$1227	$204
USAA	$1595	$269
Progressive	$1754	$295
State Farm	$1859	$313
Safeway	$1951	$329
SafeAuto	$2097	$356
Encompass	$2143	$357
Allstate	$2387	$402

Key Takeaways

Way's key takeaways about car insurance in New Sarpy

The auto insurance costs in New Sarpy fall around $541 for six months.
The cheapest auto insurance company in New Sarpy is Louisiana Farm Bureau.
Teen drivers pay the highest rate in New Sarpy at $139 per month.

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Cheapest Minimum Liability Car Insurance in New Sarpy

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 Sarpy are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in New Sarpy. Their Average 6 Month Premium is $258. AAA is the most expensive at $534 for the same period.

Cheapest Liability Coverage in New Sarpy, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$258	$43
Farm Bureau	$402	$68
Southern Farm Bureau	$428	$71
State Farm	$527	$89
USAA	$527	$89
Progressive	$554	$93
Allstate	$718	$121
SafeAuto	$751	$128
Safeway	$791	$133
AAA	$534	$89

Cheapest Full Coverage Car Insurance in New Sarpy

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 Sarpy is Louisiana Farm Bureau at $90 per month and $541 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Sarpy, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$541	$90
Farm Bureau	$1180	$199
Southern Farm Bureau	$1227	$204
USAA	$1595	$269
Progressive	$1754	$295
State Farm	$1859	$313
Safeway	$1951	$329
SafeAuto	$2097	$356
Encompass	$2143	$357
Allstate	$2387	$402

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Average Car Insurance in New Sarpy 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 Sarpy, LA increasing?

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

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	$1108
30s	USAA	$899
40s	USAA	$828
50s	USAA	$791
60s	USAA	$845
70s	USAA	$866

Cheapest Car Insurance Rates for Teen Drivers in New Sarpy,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 Sarpy at $70 per month. At $818 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	$422	$70
Farm Bureau	$1853	$315
State Farm	$2380	$401
USAA	$3020	$514
Safeway	$4595	$766
Allstate	$4938	$839
Progressive	$5221	$879
AAA	$818	$139

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 Sarpy.

As young drivers face the highest rates in New Sarpy, USAA offers the cheapest auto insurance rates at $1108 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 Sarpy, Louisiana Farm Bureau is the cheapest car insurance provider. At $462 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 Sarpy is State Farm, offering rates of around $7206 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$462	$79
Allstate	$1635	$273
Farm Bureau	$1707	$291
Safeway	$1906	$317
Progressive	$1925	$324
USAA	$1998	$333
State Farm	$7206	$1225

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Car Insurance Rates with An Accident in New Sarpy

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

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

The cheapest car insurance companies after an at-fault accident in New Sarpy include Louisiana Farm Bureau and State Farm, offering $336 and $1002, respectively. Allstate is an expensive provider with an average six-month premium of $1853.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$336	$56
State Farm	$1002	$169
Farm Bureau	$1220	$203
USAA	$1372	$231
Progressive	$1471	$248
Safeway	$1688	$284
Allstate	$1853	$312

New Sarpy Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Sarpy LA. For example, the car insurance in New Sarpy after a DUI increases to $1570 for a six month policy. While the rate increases by $455 for a six-month policy in the case of a speeding ticket.

New Sarpy auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1819	$303
One Med/PIP claim	$1819	$310
Two Med/PIP claims	$1839	$306
Not-at-fault accident	$1846	$314
One comp claim	$1853	$309
Two comp claims	$1919	$326
Failure to wear a seat belt	$2143	$357
Failure to show documents	$2169	$369
Child safety restraint	$2202	$367
Driving without lights	$2202	$374
Driving with expired registration	$2242	$374
Driving too slowly	$2274	$386
Speeding 11 - 15 MPH over limit	$2274	$380
Speeding 16 - 20 MPH over limit	$2274	$386
Speeding 6 - 10 MPH over limit	$2274	$380
Speeding in school zone	$2274	$386
In 65 MPH zone	$2281	$381
Cell phone violation	$2301	$391
Texting while driving	$2301	$384
Wrong way/wrong lane	$2301	$391
At-fault accident - less than $1000	$2314	$385
Failure to stop at a red light	$2314	$394
Failure to yield	$2314	$385
Following too closely	$2314	$394
Illegal turn	$2314	$385
Improper passing	$2314	$394
Passing school bus	$2334	$389
Speeding 21 - 25 MPH over limit	$2334	$397
Open container	$2400	$400
Operating a vehicle without permission	$2565	$436
At-fault accident - $1000-$2000	$2631	$438
At-fault accident - greater than $2000	$2631	$447
Reckless driving	$3178	$529
Refusal to submit to a chemical test	$3231	$549
DUI	$3389	$565
Racing	$3415	$581
Leaving scene of an accident/hit and run	$3442	$574
Driving with a suspended license	$3455	$587

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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 Sarpy 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 Sarpy.

The cheapest car insurance premiums in New Sarpy are offered by Louisiana Farm Bureau at $370 for a six-month policy. However, it can be as expensive as $897 with companies like AAA.

New Sarpy car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$370	$63
Farm Bureau	$1265	$211
Southern Farm Bureau	$1523	$259
Progressive	$1734	$292
USAA	$2361	$397
Safeway	$2367	$398
State Farm	$2433	$410
Allstate	$2954	$497
AAA	$897	$152

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 Sarpy are offered by Louisiana Farm Bureau at $303. However, it can be as expensive as $2117 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New Sarpy after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$303	$51
State Farm	$1029	$173
Farm Bureau	$1081	$184
Progressive	$1437	$242
USAA	$1583	$269
Safeway	$1951	$325
Allstate	$2117	$360

Car Insurance Price Trends in New Sarpy, Louisiana

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

The average cost of full coverage in the New Sarpy rose by $336 in December compared to $332 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 Sarpy rose to $92 in December, compared to $84 in November. This represents an increase of $8 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in New Sarpy?

The car insurance in New Sarpy is $43 per month, which is lower than the national average.

What is the cheapest car insurance in New Sarpy?

The cheapest car insurance in New Sarpy is $90 per month for full coverage.

How much is car insurance in New Sarpy for teenagers?

Car insurance for teenagers costs $422 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 Sarpy?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $281 per month to insure your car in New Sarpy.

Is car insurance expensive in New Sarpy?

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

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

The best car insurance company in New Sarpy LA is Louisiana Farm Bureau, offering $541 for a six-month policy.