Cheapest Car Insurance Quotes in Pineville

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Pineville 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 Pineville

The car insurance rate in Pineville is $1658 for a six-month policy, which is $151 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $536, making it a popular choice for budget-conscious drivers. Rates in Pineville 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 Pineville

$1658

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Pineville

1st place: Louisiana Farm Bureau

At $536 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 $1169 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 $1216 for six months, making it the third cheapest auto insurance company in Pineville.

Pineville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pineville, LA is Louisiana Farm Bureau, offering policies at just $536 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1169.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2365 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pineville drivers find the best deals.

Cheap Car Insurance Companies in Pineville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$536	$89
Farm Bureau	$1169	$197
Southern Farm Bureau	$1216	$202
USAA	$1581	$266
Progressive	$1738	$293
State Farm	$1843	$310
Safeway	$1934	$326
SafeAuto	$2078	$353
Encompass	$2124	$354
Allstate	$2365	$398

Key Takeaways

Way's key takeaways about car insurance in Pineville

The auto insurance costs in Pineville fall around $536 for six months.
The cheapest auto insurance company in Pineville is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Pineville at $138 per month.

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Cheapest Minimum Liability Car Insurance in Pineville

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 Pineville are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Pineville. Their Average 6 Month Premium is $255. AAA is the most expensive at $529 for the same period.

Cheapest Liability Coverage in Pineville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$255	$43
Farm Bureau	$398	$67
Southern Farm Bureau	$425	$70
State Farm	$523	$88
USAA	$523	$88
Progressive	$549	$92
Allstate	$712	$120
SafeAuto	$745	$127
Safeway	$784	$132
AAA	$529	$88

Cheapest Full Coverage Car Insurance in Pineville

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 Pineville is Louisiana Farm Bureau at $89 per month and $536 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pineville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$536	$89
Farm Bureau	$1169	$197
Southern Farm Bureau	$1216	$202
USAA	$1581	$266
Progressive	$1738	$293
State Farm	$1843	$310
Safeway	$1934	$326
SafeAuto	$2078	$353
Encompass	$2124	$354
Allstate	$2365	$398

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Average Car Insurance in Pineville 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 Pineville, LA increasing?

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

Car Insurance Premiums by Age in Pineville

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	$1098
30s	USAA	$891
40s	USAA	$821
50s	USAA	$784
60s	USAA	$837
70s	USAA	$858

Cheapest Car Insurance Rates for Teen Drivers in Pineville,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 Pineville at $69 per month. At $811 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	$418	$69
Farm Bureau	$1836	$312
State Farm	$2358	$397
USAA	$2993	$509
Safeway	$4554	$759
Allstate	$4894	$832
Progressive	$5174	$871
AAA	$811	$138

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 Pineville.

As young drivers face the highest rates in Pineville, USAA offers the cheapest auto insurance rates at $1098 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 Pineville, Louisiana Farm Bureau is the cheapest car insurance provider. At $458 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 Pineville is State Farm, offering rates of around $7141 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$458	$78
Allstate	$1620	$271
Farm Bureau	$1692	$288
Safeway	$1889	$315
Progressive	$1907	$321
USAA	$1980	$330
State Farm	$7141	$1214

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Car Insurance Rates with An Accident in Pineville

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pineville

The cheapest car insurance companies after an at-fault accident in Pineville include Louisiana Farm Bureau and State Farm, offering $333 and $993, respectively. Allstate is an expensive provider with an average six-month premium of $1836.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$333	$55
State Farm	$993	$167
Farm Bureau	$1209	$201
USAA	$1360	$229
Progressive	$1458	$245
Safeway	$1673	$282
Allstate	$1836	$309

Pineville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pineville LA. For example, the car insurance in Pineville after a DUI increases to $1555 for a six month policy. While the rate increases by $451 for a six-month policy in the case of a speeding ticket.

Pineville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1803	$300
One Med/PIP claim	$1803	$307
Two Med/PIP claims	$1823	$304
Not-at-fault accident	$1829	$311
One comp claim	$1836	$306
Two comp claims	$1902	$323
Failure to wear a seat belt	$2124	$354
Failure to show documents	$2149	$365
Child safety restraint	$2182	$364
Driving without lights	$2182	$371
Driving with expired registration	$2222	$371
Driving too slowly	$2254	$383
Speeding 11 - 15 MPH over limit	$2254	$376
Speeding 16 - 20 MPH over limit	$2254	$383
Speeding 6 - 10 MPH over limit	$2254	$376
Speeding in school zone	$2254	$383
In 65 MPH zone	$2261	$377
Cell phone violation	$2280	$387
Texting while driving	$2280	$381
Wrong way/wrong lane	$2280	$387
At-fault accident - less than $1000	$2294	$382
Failure to stop at a red light	$2294	$391
Failure to yield	$2294	$382
Following too closely	$2294	$391
Illegal turn	$2294	$382
Improper passing	$2294	$391
Passing school bus	$2313	$385
Speeding 21 - 25 MPH over limit	$2313	$394
Open container	$2378	$396
Operating a vehicle without permission	$2542	$432
At-fault accident - $1000-$2000	$2607	$435
At-fault accident - greater than $2000	$2607	$443
Reckless driving	$3149	$525
Refusal to submit to a chemical test	$3202	$545
DUI	$3358	$560
Racing	$3385	$575
Leaving scene of an accident/hit and run	$3411	$569
Driving with a suspended license	$3424	$582

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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 Pineville 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 Pineville.

The cheapest car insurance premiums in Pineville are offered by Louisiana Farm Bureau at $366 for a six-month policy. However, it can be as expensive as $889 with companies like AAA.

Pineville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$366	$63
Farm Bureau	$1254	$209
Southern Farm Bureau	$1509	$256
Progressive	$1718	$289
USAA	$2340	$394
Safeway	$2345	$395
State Farm	$2411	$406
Allstate	$2927	$493
AAA	$889	$151

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 Pineville are offered by Louisiana Farm Bureau at $300. However, it can be as expensive as $2098 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Pineville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$300	$51
State Farm	$1020	$172
Farm Bureau	$1071	$183
Progressive	$1425	$240
USAA	$1569	$266
Safeway	$1934	$322
Allstate	$2098	$356

Car Insurance Price Trends in Pineville, Louisiana

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

The average cost of full coverage in the Pineville rose by $333 in December compared to $329 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 Pineville rose to $91 in December, compared to $84 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 Pineville?

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

What is the cheapest car insurance in Pineville?

The cheapest car insurance in Pineville is $89 per month for full coverage.

How much is car insurance in Pineville for teenagers?

Car insurance for teenagers costs $418 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 Pineville?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $278 per month to insure your car in Pineville.

Is car insurance expensive in Pineville?

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

What is the best car insurance in Pineville, LA?

The best car insurance company in Pineville LA is Louisiana Farm Bureau, offering $536 for a six-month policy.