Cheapest Car Insurance Quotes in Point Place

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Point Place Car Insurance

^$ 35

/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 Point Place

The car insurance rate in Point Place is $1341 for a six-month policy, which is $166 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $433, making it a popular choice for budget-conscious drivers. Rates in Point Place 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 Point Place

$1341

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Point Place

1st place: Louisiana Farm Bureau

At $433 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 $946 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 $983 for six months, making it the third cheapest auto insurance company in Point Place.

Point Place Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Point Place, LA is Louisiana Farm Bureau, offering policies at just $433 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $946.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1914 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Point Place drivers find the best deals.

Cheap Car Insurance Companies in Point Place, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$433	$72
Farm Bureau	$946	$159
Southern Farm Bureau	$983	$164
USAA	$1279	$215
Progressive	$1406	$237
State Farm	$1491	$251
Safeway	$1565	$263
SafeAuto	$1681	$286
Encompass	$1719	$287
Allstate	$1914	$322

Key Takeaways

Way's key takeaways about car insurance in Point Place

The auto insurance costs in Point Place fall around $433 for six months.
The cheapest auto insurance company in Point Place is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Point Place at $111 per month.

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Cheapest Minimum Liability Car Insurance in Point Place

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 Point Place are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Point Place. Their Average 6 Month Premium is $206. AAA is the most expensive at $428 for the same period.

Cheapest Liability Coverage in Point Place, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$206	$35
Farm Bureau	$322	$54
Southern Farm Bureau	$344	$57
State Farm	$423	$71
USAA	$423	$71
Progressive	$444	$75
Allstate	$576	$97
SafeAuto	$603	$102
Safeway	$635	$107
AAA	$428	$71

Cheapest Full Coverage Car Insurance in Point Place

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 Point Place is Louisiana Farm Bureau at $72 per month and $433 for six months.

Cheapest Full Coverage Car Insurance Quotes in Point Place, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$433	$72
Farm Bureau	$946	$159
Southern Farm Bureau	$983	$164
USAA	$1279	$215
Progressive	$1406	$237
State Farm	$1491	$251
Safeway	$1565	$263
SafeAuto	$1681	$286
Encompass	$1719	$287
Allstate	$1914	$322

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Average Car Insurance in Point Place 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 Point Place, LA increasing?

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

Car Insurance Premiums by Age in Point Place

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	$888
30s	USAA	$721
40s	USAA	$664
50s	USAA	$635
60s	USAA	$677
70s	USAA	$694

Cheapest Car Insurance Rates for Teen Drivers in Point Place,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 Point Place at $56 per month. At $656 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	$338	$56
Farm Bureau	$1485	$253
State Farm	$1908	$321
USAA	$2422	$412
Safeway	$3685	$614
Allstate	$3960	$673
Progressive	$4187	$705
AAA	$656	$111

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 Point Place.

As young drivers face the highest rates in Point Place, USAA offers the cheapest auto insurance rates at $888 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 Point Place, Louisiana Farm Bureau is the cheapest car insurance provider. At $370 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 Point Place is State Farm, offering rates of around $5778 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$370	$63
Allstate	$1311	$219
Farm Bureau	$1369	$233
Safeway	$1528	$255
Progressive	$1543	$260
USAA	$1602	$267
State Farm	$5778	$983

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Car Insurance Rates with An Accident in Point Place

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

Cheapest Car Insurance Companies after an At-Fault Accident in Point Place

The cheapest car insurance companies after an at-fault accident in Point Place include Louisiana Farm Bureau and State Farm, offering $270 and $804, respectively. Allstate is an expensive provider with an average six-month premium of $1485.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$270	$45
State Farm	$804	$135
Farm Bureau	$978	$163
USAA	$1100	$185
Progressive	$1179	$198
Safeway	$1354	$228
Allstate	$1485	$250

Point Place Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Point Place LA. For example, the car insurance in Point Place after a DUI increases to $1258 for a six month policy. While the rate increases by $365 for a six-month policy in the case of a speeding ticket.

Point Place auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1459	$243
One Med/PIP claim	$1459	$248
Two Med/PIP claims	$1475	$246
Not-at-fault accident	$1480	$252
One comp claim	$1485	$247
Two comp claims	$1539	$262
Failure to wear a seat belt	$1719	$287
Failure to show documents	$1739	$295
Child safety restraint	$1766	$295
Driving without lights	$1766	$300
Driving with expired registration	$1798	$300
Driving too slowly	$1824	$310
Speeding 11 - 15 MPH over limit	$1824	$304
Speeding 16 - 20 MPH over limit	$1824	$310
Speeding 6 - 10 MPH over limit	$1824	$304
Speeding in school zone	$1824	$310
In 65 MPH zone	$1829	$305
Cell phone violation	$1845	$313
Texting while driving	$1845	$308
Wrong way/wrong lane	$1845	$313
At-fault accident - less than $1000	$1856	$309
Failure to stop at a red light	$1856	$316
Failure to yield	$1856	$309
Following too closely	$1856	$316
Illegal turn	$1856	$309
Improper passing	$1856	$316
Passing school bus	$1872	$312
Speeding 21 - 25 MPH over limit	$1872	$319
Open container	$1924	$320
Operating a vehicle without permission	$2057	$350
At-fault accident - $1000-$2000	$2109	$352
At-fault accident - greater than $2000	$2109	$359
Reckless driving	$2548	$425
Refusal to submit to a chemical test	$2591	$441
DUI	$2717	$453
Racing	$2739	$465
Leaving scene of an accident/hit and run	$2760	$460
Driving with a suspended license	$2771	$471

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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 Point Place 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 Point Place.

The cheapest car insurance premiums in Point Place are offered by Louisiana Farm Bureau at $296 for a six-month policy. However, it can be as expensive as $719 with companies like AAA.

Point Place car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$296	$51
Farm Bureau	$1015	$169
Southern Farm Bureau	$1221	$207
Progressive	$1390	$234
USAA	$1893	$319
Safeway	$1897	$320
State Farm	$1951	$328
Allstate	$2368	$399
AAA	$719	$122

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 Point Place are offered by Louisiana Farm Bureau at $243. However, it can be as expensive as $1697 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Point Place after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$243	$41
State Farm	$825	$139
Farm Bureau	$867	$148
Progressive	$1153	$194
USAA	$1269	$215
Safeway	$1565	$261
Allstate	$1697	$288

Car Insurance Price Trends in Point Place, Louisiana

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

The average cost of full coverage in the Point Place rose by $270 in December compared to $266 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 Point Place rose to $74 in December, compared to $68 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 Point Place?

The car insurance in Point Place is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Point Place?

The cheapest car insurance in Point Place is $72 per month for full coverage.

How much is car insurance in Point Place for teenagers?

Car insurance for teenagers costs $338 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 Point Place?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $225 per month to insure your car in Point Place.

Is car insurance expensive in Point Place?

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

What is the best car insurance in Point Place, LA?

The best car insurance company in Point Place LA is Louisiana Farm Bureau, offering $433 for a six-month policy.