Cheapest Car Insurance Quotes in North Hodge

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North Hodge Car Insurance

^$ 32

/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 North Hodge

The car insurance rate in North Hodge is $1236 for a six-month policy, which is $271 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $399, making it a popular choice for budget-conscious drivers. Rates in North Hodge 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 North Hodge

$1236

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in North Hodge

1st place: Louisiana Farm Bureau

At $399 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 $872 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 $906 for six months, making it the third cheapest auto insurance company in North Hodge.

North Hodge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Hodge, LA is Louisiana Farm Bureau, offering policies at just $399 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $872.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1763 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Hodge drivers find the best deals.

Cheap Car Insurance Companies in North Hodge, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$399	$66
Farm Bureau	$872	$147
Southern Farm Bureau	$906	$151
USAA	$1178	$198
Progressive	$1296	$218
State Farm	$1374	$231
Safeway	$1442	$243
SafeAuto	$1549	$263
Encompass	$1583	$264
Allstate	$1763	$297

Key Takeaways

Way's key takeaways about car insurance in North Hodge

The auto insurance costs in North Hodge fall around $399 for six months.
The cheapest auto insurance company in North Hodge is Louisiana Farm Bureau.
Teen drivers pay the highest rate in North Hodge at $103 per month.

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Cheapest Minimum Liability Car Insurance in North Hodge

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 North Hodge are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in North Hodge. Their Average 6 Month Premium is $190. AAA is the most expensive at $394 for the same period.

Cheapest Liability Coverage in North Hodge, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$190	$32
Farm Bureau	$297	$50
Southern Farm Bureau	$317	$52
State Farm	$390	$66
USAA	$390	$66
Progressive	$409	$69
Allstate	$531	$89
SafeAuto	$555	$94
Safeway	$585	$98
AAA	$394	$66

Cheapest Full Coverage Car Insurance in North Hodge

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 North Hodge is Louisiana Farm Bureau at $66 per month and $399 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Hodge, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$399	$66
Farm Bureau	$872	$147
Southern Farm Bureau	$906	$151
USAA	$1178	$198
Progressive	$1296	$218
State Farm	$1374	$231
Safeway	$1442	$243
SafeAuto	$1549	$263
Encompass	$1583	$264
Allstate	$1763	$297

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Average Car Insurance in North Hodge 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 North Hodge, LA increasing?

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

Car Insurance Premiums by Age in North Hodge

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	$818
30s	USAA	$664
40s	USAA	$612
50s	USAA	$585
60s	USAA	$624
70s	USAA	$640

Cheapest Car Insurance Rates for Teen Drivers in North Hodge,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 North Hodge at $52 per month. At $604 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	$312	$52
Farm Bureau	$1369	$233
State Farm	$1758	$296
USAA	$2231	$380
Safeway	$3395	$566
Allstate	$3648	$620
Progressive	$3857	$649
AAA	$604	$103

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 North Hodge.

As young drivers face the highest rates in North Hodge, USAA offers the cheapest auto insurance rates at $818 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 North Hodge, Louisiana Farm Bureau is the cheapest car insurance provider. At $341 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 North Hodge is State Farm, offering rates of around $5323 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$341	$58
Allstate	$1208	$202
Farm Bureau	$1261	$215
Safeway	$1408	$235
Progressive	$1422	$239
USAA	$1476	$246
State Farm	$5323	$905

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Car Insurance Rates with An Accident in North Hodge

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

Cheapest Car Insurance Companies after an At-Fault Accident in North Hodge

The cheapest car insurance companies after an at-fault accident in North Hodge include Louisiana Farm Bureau and State Farm, offering $248 and $740, respectively. Allstate is an expensive provider with an average six-month premium of $1369.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$248	$41
State Farm	$740	$125
Farm Bureau	$901	$150
USAA	$1014	$171
Progressive	$1087	$183
Safeway	$1247	$210
Allstate	$1369	$230

North Hodge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Hodge LA. For example, the car insurance in North Hodge after a DUI increases to $1159 for a six month policy. While the rate increases by $336 for a six-month policy in the case of a speeding ticket.

North Hodge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1344	$224
One Med/PIP claim	$1344	$229
Two Med/PIP claims	$1359	$226
Not-at-fault accident	$1364	$232
One comp claim	$1369	$228
Two comp claims	$1418	$241
Failure to wear a seat belt	$1583	$264
Failure to show documents	$1602	$272
Child safety restraint	$1627	$271
Driving without lights	$1627	$276
Driving with expired registration	$1656	$276
Driving too slowly	$1680	$285
Speeding 11 - 15 MPH over limit	$1680	$280
Speeding 16 - 20 MPH over limit	$1680	$285
Speeding 6 - 10 MPH over limit	$1680	$280
Speeding in school zone	$1680	$285
In 65 MPH zone	$1685	$281
Cell phone violation	$1700	$289
Texting while driving	$1700	$284
Wrong way/wrong lane	$1700	$289
At-fault accident - less than $1000	$1710	$285
Failure to stop at a red light	$1710	$291
Failure to yield	$1710	$285
Following too closely	$1710	$291
Illegal turn	$1710	$285
Improper passing	$1710	$291
Passing school bus	$1724	$287
Speeding 21 - 25 MPH over limit	$1724	$294
Open container	$1773	$295
Operating a vehicle without permission	$1895	$322
At-fault accident - $1000-$2000	$1943	$324
At-fault accident - greater than $2000	$1943	$330
Reckless driving	$2348	$391
Refusal to submit to a chemical test	$2387	$406
DUI	$2503	$417
Racing	$2523	$429
Leaving scene of an accident/hit and run	$2543	$424
Driving with a suspended license	$2553	$434

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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 North Hodge 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 North Hodge.

The cheapest car insurance premiums in North Hodge are offered by Louisiana Farm Bureau at $273 for a six-month policy. However, it can be as expensive as $663 with companies like AAA.

North Hodge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$273	$47
Farm Bureau	$935	$156
Southern Farm Bureau	$1125	$191
Progressive	$1281	$216
USAA	$1744	$294
Safeway	$1748	$294
State Farm	$1797	$303
Allstate	$2182	$367
AAA	$663	$112

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 North Hodge are offered by Louisiana Farm Bureau at $224. However, it can be as expensive as $1564 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in North Hodge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$224	$38
State Farm	$760	$128
Farm Bureau	$799	$136
Progressive	$1062	$179
USAA	$1169	$198
Safeway	$1442	$240
Allstate	$1564	$266

Car Insurance Price Trends in North Hodge, Louisiana

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

The average cost of full coverage in the North Hodge rose by $248 in December compared to $245 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the North Hodge rose to $68 in December, compared to $62 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in North Hodge?

The car insurance in North Hodge is $32 per month, which is lower than the national average.

What is the cheapest car insurance in North Hodge?

The cheapest car insurance in North Hodge is $66 per month for full coverage.

How much is car insurance in North Hodge for teenagers?

Car insurance for teenagers costs $312 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 North Hodge?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $207 per month to insure your car in North Hodge.

Is car insurance expensive in North Hodge?

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

What is the best car insurance in North Hodge, LA?

The best car insurance company in North Hodge LA is Louisiana Farm Bureau, offering $399 for a six-month policy.