Cheapest Car Insurance Quotes in Old Jefferson

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Old Jefferson Car Insurance

^$ 45

/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 Old Jefferson

The car insurance rate in Old Jefferson is $1943 for a six-month policy, which is $253 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $560, making it a popular choice for budget-conscious drivers. Rates in Old Jefferson 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 Old Jefferson

$1943

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Old Jefferson

1st place: Louisiana Farm Bureau

At $560 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 $1271 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1687 for six months, making it the third cheapest auto insurance company in Old Jefferson.

Old Jefferson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Old Jefferson, LA is Louisiana Farm Bureau, offering policies at just $560 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1271.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2726 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Old Jefferson drivers find the best deals.

Cheap Car Insurance Companies in Old Jefferson, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$560	$95
Southern Farm Bureau	$1271	$212
USAA	$1687	$284
Progressive	$1899	$320
Farm Bureau	$1981	$334
State Farm	$2091	$352
Safeway	$2138	$360
SafeAuto	$2172	$362
Encompass	$2221	$377
Allstate	$2644	$445
AAA	$2726	$463

Key Takeaways

Way's key takeaways about car insurance in Old Jefferson

The auto insurance costs in Old Jefferson fall around $560 for six months.
The cheapest auto insurance company in Old Jefferson is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Old Jefferson at $1377 per month.

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Cheapest Minimum Liability Car Insurance in Old Jefferson

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 Old Jefferson are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Old Jefferson. Their Average 6 Month Premium is $267. Safeway is the most expensive at $834 for the same period.

Cheapest Liability Coverage in Old Jefferson, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$267	$45
Southern Farm Bureau	$444	$76
USAA	$560	$94
Progressive	$574	$97
State Farm	$601	$101
Farm Bureau	$690	$116
AAA	$711	$118
Allstate	$718	$121
SafeAuto	$779	$130
Safeway	$834	$140

Cheapest Full Coverage Car Insurance in Old Jefferson

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 Old Jefferson is Louisiana Farm Bureau at $95 per month and $560 for six months.

Cheapest Full Coverage Car Insurance Quotes in Old Jefferson, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$560	$95
Southern Farm Bureau	$1271	$212
USAA	$1687	$284
Progressive	$1899	$320
Farm Bureau	$1981	$334
State Farm	$2091	$352
Safeway	$2138	$360
SafeAuto	$2172	$362
Encompass	$2221	$377
Allstate	$2644	$445
AAA	$2726	$463

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Average Car Insurance in Old Jefferson 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 Old Jefferson, LA increasing?

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

Car Insurance Premiums by Age in Old Jefferson

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	$1148
30s	USAA	$931
40s	USAA	$858
50s	USAA	$820
60s	USAA	$875
70s	USAA	$897

Cheapest Car Insurance Rates for Teen Drivers in Old Jefferson,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 Old Jefferson at $72 per month. At $8095 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	$437	$72
State Farm	$3327	$560
USAA	$3552	$592
Safeway	$5430	$923
Allstate	$6039	$1006
Progressive	$6271	$1056
Farm Bureau	$7105	$1185
AAA	$8095	$1377

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 Old Jefferson.

As young drivers face the highest rates in Old Jefferson, USAA offers the cheapest auto insurance rates at $1148 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 Old Jefferson, Louisiana Farm Bureau is the cheapest car insurance provider. At $478 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 Old Jefferson is State Farm, offering rates of around $10643 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$478	$82
Allstate	$2035	$339
Progressive	$2282	$384
USAA	$2316	$386
Safeway	$2323	$394
Farm Bureau	$4406	$735
AAA	$7733	$1314
State Farm	$10643	$1773

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Car Insurance Rates with An Accident in Old Jefferson

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

Cheapest Car Insurance Companies after an At-Fault Accident in Old Jefferson

The cheapest car insurance companies after an at-fault accident in Old Jefferson include Louisiana Farm Bureau and State Farm, offering $348 and $1366, respectively. AAA is an expensive provider with an average six-month premium of $4365.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$348	$57
State Farm	$1366	$230
USAA	$1538	$259
Progressive	$1687	$284
Safeway	$1968	$331
Farm Bureau	$2131	$362
Allstate	$2165	$365
AAA	$4365	$742

Old Jefferson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Old Jefferson LA. For example, the car insurance in Old Jefferson after a DUI increases to $1626 for a six month policy. While the rate increases by $471 for a six-month policy in the case of a speeding ticket.

Old Jefferson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1885	$314
One Med/PIP claim	$1885	$321
Two Med/PIP claims	$1906	$317
Not-at-fault accident	$1912	$325
One comp claim	$1919	$320
Two comp claims	$1988	$338
Failure to wear a seat belt	$2221	$370
Failure to show documents	$2247	$382
Child safety restraint	$2282	$381
Driving without lights	$2282	$388
Driving with expired registration	$2323	$388
Driving too slowly	$2356	$400
Speeding 11 - 15 MPH over limit	$2356	$393
Speeding 16 - 20 MPH over limit	$2356	$400
Speeding 6 - 10 MPH over limit	$2356	$393
Speeding in school zone	$2356	$400
In 65 MPH zone	$2363	$394
Cell phone violation	$2384	$405
Texting while driving	$2384	$398
Wrong way/wrong lane	$2384	$405
At-fault accident - less than $1000	$2398	$399
Failure to stop at a red light	$2398	$408
Failure to yield	$2398	$399
Following too closely	$2398	$408
Illegal turn	$2398	$399
Improper passing	$2398	$408
Passing school bus	$2418	$402
Speeding 21 - 25 MPH over limit	$2418	$412
Open container	$2486	$414
Operating a vehicle without permission	$2658	$452
At-fault accident - $1000-$2000	$2726	$454
At-fault accident - greater than $2000	$2726	$463
Reckless driving	$3292	$549
Refusal to submit to a chemical test	$3348	$569
DUI	$3511	$585
Racing	$3539	$601
Leaving scene of an accident/hit and run	$3566	$595
Driving with a suspended license	$3580	$608

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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 Old Jefferson 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 Old Jefferson.

The cheapest car insurance premiums in Old Jefferson are offered by Louisiana Farm Bureau at $383 for a six-month policy. However, it can be as expensive as $4038 with companies like AAA.

Old Jefferson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$383	$63
Southern Farm Bureau	$1578	$268
Progressive	$1926	$324
Farm Bureau	$2131	$362
USAA	$2602	$438
Safeway	$2691	$453
State Farm	$2999	$505
Allstate	$3292	$554
AAA	$4038	$673

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 Old Jefferson are offered by Louisiana Farm Bureau at $314. However, it can be as expensive as $3792 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Old Jefferson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$314	$53
State Farm	$1408	$237
Progressive	$1701	$286
USAA	$1845	$314
Farm Bureau	$2131	$355
Safeway	$2370	$402
Allstate	$2651	$442
AAA	$3792	$645

Car Insurance Price Trends in Old Jefferson, Louisiana

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

The average cost of full coverage in the Old Jefferson rose by $428 in January compared to $350 of December. In other words, there has been an increase by $78 when you compare January and December.

The average cost of liability insurance in the Old Jefferson rose to $102 in January, compared to $98 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Old Jefferson?

The car insurance in Old Jefferson is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Old Jefferson?

The cheapest car insurance in Old Jefferson is $95 per month for full coverage.

How much is car insurance in Old Jefferson for teenagers?

Car insurance for teenagers costs $437 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 Old Jefferson?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $327 per month to insure your car in Old Jefferson.

Is car insurance expensive in Old Jefferson?

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

What is the best car insurance in Old Jefferson, LA?

The best car insurance company in Old Jefferson LA is Louisiana Farm Bureau, offering $560 for a six-month policy.