Cheapest Car Insurance Quotes in Pearl River

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Pearl River Car Insurance

^$ 40

/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 Pearl River

The car insurance rate in Pearl River is $1741 for a six-month policy, which is $51 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $502, making it a popular choice for budget-conscious drivers. Rates in Pearl River 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 Pearl River

$1741

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Pearl River

1st place: Louisiana Farm Bureau

At $502 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 $1138 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1511 for six months, making it the third cheapest auto insurance company in Pearl River.

Pearl River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pearl River, LA is Louisiana Farm Bureau, offering policies at just $502 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1138.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2441 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pearl River drivers find the best deals.

Cheap Car Insurance Companies in Pearl River, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$502	$85
Southern Farm Bureau	$1138	$190
USAA	$1511	$254
Progressive	$1701	$286
Farm Bureau	$1775	$299
State Farm	$1873	$315
Safeway	$1915	$322
SafeAuto	$1946	$324
Encompass	$1989	$338
Allstate	$2368	$399
AAA	$2441	$415

Key Takeaways

Way's key takeaways about car insurance in Pearl River

The auto insurance costs in Pearl River fall around $502 for six months.
The cheapest auto insurance company in Pearl River is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Pearl River at $1233 per month.

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Cheapest Minimum Liability Car Insurance in Pearl River

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 Pearl River are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Pearl River. Their Average 6 Month Premium is $239. Safeway is the most expensive at $747 for the same period.

Cheapest Liability Coverage in Pearl River, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$239	$40
Southern Farm Bureau	$398	$68
USAA	$502	$84
Progressive	$514	$87
State Farm	$539	$91
Farm Bureau	$618	$104
AAA	$637	$106
Allstate	$643	$108
SafeAuto	$697	$116
Safeway	$747	$126

Cheapest Full Coverage Car Insurance in Pearl River

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 Pearl River is Louisiana Farm Bureau at $85 per month and $502 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pearl River, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$502	$85
Southern Farm Bureau	$1138	$190
USAA	$1511	$254
Progressive	$1701	$286
Farm Bureau	$1775	$299
State Farm	$1873	$315
Safeway	$1915	$322
SafeAuto	$1946	$324
Encompass	$1989	$338
Allstate	$2368	$399
AAA	$2441	$415

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Average Car Insurance in Pearl River 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 Pearl River, LA increasing?

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

Car Insurance Premiums by Age in Pearl River

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	$1028
30s	USAA	$834
40s	USAA	$768
50s	USAA	$734
60s	USAA	$784
70s	USAA	$803

Cheapest Car Insurance Rates for Teen Drivers in Pearl River,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 Pearl River at $65 per month. At $7250 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	$391	$65
State Farm	$2980	$502
USAA	$3182	$530
Safeway	$4864	$827
Allstate	$5409	$901
Progressive	$5617	$946
Farm Bureau	$6363	$1061
AAA	$7250	$1233

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 Pearl River.

As young drivers face the highest rates in Pearl River, USAA offers the cheapest auto insurance rates at $1028 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 Pearl River, Louisiana Farm Bureau is the cheapest car insurance provider. At $428 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 Pearl River is State Farm, offering rates of around $9533 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$428	$73
Allstate	$1823	$304
Progressive	$2044	$344
USAA	$2074	$346
Safeway	$2081	$353
Farm Bureau	$3946	$658
AAA	$6926	$1177
State Farm	$9533	$1588

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Car Insurance Rates with An Accident in Pearl River

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pearl River

The cheapest car insurance companies after an at-fault accident in Pearl River include Louisiana Farm Bureau and State Farm, offering $312 and $1224, respectively. AAA is an expensive provider with an average six-month premium of $3910.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$312	$52
State Farm	$1224	$206
USAA	$1377	$232
Progressive	$1511	$254
Safeway	$1762	$297
Farm Bureau	$1909	$324
Allstate	$1939	$327
AAA	$3910	$664

Pearl River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pearl River LA. For example, the car insurance in Pearl River after a DUI increases to $1457 for a six month policy. While the rate increases by $422 for a six-month policy in the case of a speeding ticket.

Pearl River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1688	$281
One Med/PIP claim	$1688	$287
Two Med/PIP claims	$1707	$284
Not-at-fault accident	$1713	$291
One comp claim	$1719	$286
Two comp claims	$1781	$303
Failure to wear a seat belt	$1989	$332
Failure to show documents	$2013	$342
Child safety restraint	$2044	$341
Driving without lights	$2044	$347
Driving with expired registration	$2081	$347
Driving too slowly	$2110	$358
Speeding 11 - 15 MPH over limit	$2110	$352
Speeding 16 - 20 MPH over limit	$2110	$358
Speeding 6 - 10 MPH over limit	$2110	$352
Speeding in school zone	$2110	$358
In 65 MPH zone	$2117	$353
Cell phone violation	$2135	$363
Texting while driving	$2135	$356
Wrong way/wrong lane	$2135	$363
At-fault accident - less than $1000	$2148	$357
Failure to stop at a red light	$2148	$366
Failure to yield	$2148	$357
Following too closely	$2148	$366
Illegal turn	$2148	$357
Improper passing	$2148	$366
Passing school bus	$2166	$361
Speeding 21 - 25 MPH over limit	$2166	$369
Open container	$2227	$371
Operating a vehicle without permission	$2380	$405
At-fault accident - $1000-$2000	$2441	$407
At-fault accident - greater than $2000	$2441	$415
Reckless driving	$2949	$491
Refusal to submit to a chemical test	$2998	$510
DUI	$3145	$524
Racing	$3169	$539
Leaving scene of an accident/hit and run	$3194	$533
Driving with a suspended license	$3206	$545

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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 Pearl River 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 Pearl River.

The cheapest car insurance premiums in Pearl River are offered by Louisiana Farm Bureau at $343 for a six-month policy. However, it can be as expensive as $3616 with companies like AAA.

Pearl River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$343	$57
Southern Farm Bureau	$1413	$240
Progressive	$1725	$290
Farm Bureau	$1909	$324
USAA	$2331	$392
Safeway	$2410	$406
State Farm	$2686	$452
Allstate	$2949	$496
AAA	$3616	$603

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 Pearl River are offered by Louisiana Farm Bureau at $281. However, it can be as expensive as $3396 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Pearl River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$281	$47
State Farm	$1261	$212
Progressive	$1523	$256
USAA	$1652	$281
Farm Bureau	$1909	$318
Safeway	$2123	$361
Allstate	$2374	$396
AAA	$3396	$578

Car Insurance Price Trends in Pearl River, Louisiana

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

The average cost of full coverage in the Pearl River rose by $383 in January compared to $313 of December. In other words, there has been an increase by $70 when you compare January and December.

The average cost of liability insurance in the Pearl River rose to $92 in January, compared to $88 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 Pearl River?

The car insurance in Pearl River is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Pearl River?

The cheapest car insurance in Pearl River is $85 per month for full coverage.

How much is car insurance in Pearl River for teenagers?

Car insurance for teenagers costs $391 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 Pearl River?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $293 per month to insure your car in Pearl River.

Is car insurance expensive in Pearl River?

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

What is the best car insurance in Pearl River, LA?

The best car insurance company in Pearl River LA is Louisiana Farm Bureau, offering $502 for a six-month policy.