Cheapest Car Insurance Quotes in Pine Prairie

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Pine Prairie 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 Pine Prairie

The car insurance rate in Pine Prairie is $1552 for a six-month policy, which is $45 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 Pine Prairie 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 Pine Prairie

$1552

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Pine Prairie

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: Farm Bureau

Farm Bureau offers auto insurance rates at $1095 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 $1138 for six months, making it the third cheapest auto insurance company in Pine Prairie.

Pine Prairie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pine Prairie, LA is Louisiana Farm Bureau, offering policies at just $502 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1095.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2215 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pine Prairie drivers find the best deals.

Cheap Car Insurance Companies in Pine Prairie, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$502	$83
Farm Bureau	$1095	$184
Southern Farm Bureau	$1138	$190
USAA	$1480	$249
Progressive	$1627	$274
State Farm	$1725	$290
Safeway	$1811	$305
SafeAuto	$1946	$331
Encompass	$1989	$332
Allstate	$2215	$373

Key Takeaways

Way's key takeaways about car insurance in Pine Prairie

The auto insurance costs in Pine Prairie fall around $502 for six months.
The cheapest auto insurance company in Pine Prairie is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Pine Prairie at $129 per month.

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Cheapest Minimum Liability Car Insurance in Pine Prairie

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 Pine Prairie are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Pine Prairie. Their Average 6 Month Premium is $239. AAA is the most expensive at $495 for the same period.

Cheapest Liability Coverage in Pine Prairie, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$239	$40
Farm Bureau	$373	$63
Southern Farm Bureau	$398	$66
State Farm	$489	$82
USAA	$489	$82
Progressive	$514	$87
Allstate	$666	$112
SafeAuto	$697	$118
Safeway	$734	$124
AAA	$495	$82

Cheapest Full Coverage Car Insurance in Pine Prairie

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 Pine Prairie is Louisiana Farm Bureau at $83 per month and $502 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pine Prairie, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$502	$83
Farm Bureau	$1095	$184
Southern Farm Bureau	$1138	$190
USAA	$1480	$249
Progressive	$1627	$274
State Farm	$1725	$290
Safeway	$1811	$305
SafeAuto	$1946	$331
Encompass	$1989	$332
Allstate	$2215	$373

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Average Car Insurance in Pine Prairie 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 Pine Prairie, LA increasing?

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

Car Insurance Premiums by Age in Pine Prairie

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 Pine Prairie,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 Pine Prairie at $65 per month. At $759 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
Farm Bureau	$1719	$293
State Farm	$2208	$372
USAA	$2803	$477
Safeway	$4264	$711
Allstate	$4582	$779
Progressive	$4845	$816
AAA	$759	$129

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 Pine Prairie.

As young drivers face the highest rates in Pine Prairie, 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 Pine Prairie, 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 Pine Prairie is State Farm, offering rates of around $6687 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$428	$73
Allstate	$1517	$253
Farm Bureau	$1584	$270
Safeway	$1769	$295
Progressive	$1786	$301
USAA	$1854	$309
State Farm	$6687	$1137

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Car Insurance Rates with An Accident in Pine Prairie

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pine Prairie

The cheapest car insurance companies after an at-fault accident in Pine Prairie include Louisiana Farm Bureau and State Farm, offering $312 and $930, respectively. Allstate is an expensive provider with an average six-month premium of $1719.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$312	$52
State Farm	$930	$157
Farm Bureau	$1132	$188
USAA	$1273	$214
Progressive	$1365	$230
Safeway	$1567	$264
Allstate	$1719	$289

Pine Prairie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pine Prairie LA. For example, the car insurance in Pine Prairie 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.

Pine Prairie 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 Pine Prairie 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 Pine Prairie.

The cheapest car insurance premiums in Pine Prairie are offered by Louisiana Farm Bureau at $343 for a six-month policy. However, it can be as expensive as $832 with companies like AAA.

Pine Prairie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$343	$59
Farm Bureau	$1174	$196
Southern Farm Bureau	$1413	$240
Progressive	$1609	$271
USAA	$2191	$369
Safeway	$2196	$370
State Farm	$2258	$380
Allstate	$2741	$461
AAA	$832	$141

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 Pine Prairie are offered by Louisiana Farm Bureau at $281. However, it can be as expensive as $1964 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Pine Prairie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$281	$47
State Farm	$955	$161
Farm Bureau	$1003	$171
Progressive	$1334	$225
USAA	$1469	$249
Safeway	$1811	$302
Allstate	$1964	$334

Car Insurance Price Trends in Pine Prairie, Louisiana

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

The average cost of full coverage in the Pine Prairie rose by $312 in December compared to $308 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 Pine Prairie rose to $85 in December, compared to $78 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Pine Prairie?

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

What is the cheapest car insurance in Pine Prairie?

The cheapest car insurance in Pine Prairie is $83 per month for full coverage.

How much is car insurance in Pine Prairie 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 Pine Prairie?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $261 per month to insure your car in Pine Prairie.

Is car insurance expensive in Pine Prairie?

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

What is the best car insurance in Pine Prairie, LA?

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