Cheapest Car Insurance Quotes in Port Allen

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Port Allen Car Insurance

^$ 47

/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 Port Allen

The car insurance rate in Port Allen is $1808 for a six-month policy, which is $301 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $584, making it a popular choice for budget-conscious drivers. Rates in Port Allen 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 Port Allen

$1808

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Port Allen

1st place: Louisiana Farm Bureau

At $584 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 $1276 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 $1326 for six months, making it the third cheapest auto insurance company in Port Allen.

Port Allen Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Port Allen, LA is Louisiana Farm Bureau, offering policies at just $584 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1276.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2580 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Port Allen drivers find the best deals.

Cheap Car Insurance Companies in Port Allen, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$584	$97
Farm Bureau	$1276	$215
Southern Farm Bureau	$1326	$221
USAA	$1724	$290
Progressive	$1896	$319
State Farm	$2010	$338
Safeway	$2110	$355
SafeAuto	$2267	$385
Encompass	$2317	$386
Allstate	$2580	$434

Key Takeaways

Way's key takeaways about car insurance in Port Allen

The auto insurance costs in Port Allen fall around $584 for six months.
The cheapest auto insurance company in Port Allen is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Port Allen at $150 per month.

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Cheapest Minimum Liability Car Insurance in Port Allen

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 Port Allen are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Port Allen. Their Average 6 Month Premium is $278. AAA is the most expensive at $577 for the same period.

Cheapest Liability Coverage in Port Allen, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$278	$47
Farm Bureau	$434	$73
Southern Farm Bureau	$463	$77
State Farm	$570	$96
USAA	$570	$96
Progressive	$599	$101
Allstate	$776	$131
SafeAuto	$812	$138
Safeway	$856	$144
AAA	$577	$96

Cheapest Full Coverage Car Insurance in Port Allen

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 Port Allen is Louisiana Farm Bureau at $97 per month and $584 for six months.

Cheapest Full Coverage Car Insurance Quotes in Port Allen, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$584	$97
Farm Bureau	$1276	$215
Southern Farm Bureau	$1326	$221
USAA	$1724	$290
Progressive	$1896	$319
State Farm	$2010	$338
Safeway	$2110	$355
SafeAuto	$2267	$385
Encompass	$2317	$386
Allstate	$2580	$434

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Average Car Insurance in Port Allen 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 Port Allen, LA increasing?

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

Car Insurance Premiums by Age in Port Allen

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	$1198
30s	USAA	$972
40s	USAA	$895
50s	USAA	$856
60s	USAA	$913
70s	USAA	$936

Cheapest Car Insurance Rates for Teen Drivers in Port Allen,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 Port Allen at $76 per month. At $884 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	$456	$76
Farm Bureau	$2003	$341
State Farm	$2573	$433
USAA	$3265	$556
Safeway	$4968	$828
Allstate	$5339	$907
Progressive	$5645	$950
AAA	$884	$150

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 Port Allen.

As young drivers face the highest rates in Port Allen, USAA offers the cheapest auto insurance rates at $1198 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 Port Allen, Louisiana Farm Bureau is the cheapest car insurance provider. At $499 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 Port Allen is State Farm, offering rates of around $7790 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$499	$85
Allstate	$1768	$295
Farm Bureau	$1846	$314
Safeway	$2060	$343
Progressive	$2081	$350
USAA	$2160	$360
State Farm	$7790	$1325

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Car Insurance Rates with An Accident in Port Allen

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

Cheapest Car Insurance Companies after an At-Fault Accident in Port Allen

The cheapest car insurance companies after an at-fault accident in Port Allen include Louisiana Farm Bureau and State Farm, offering $364 and $1084, respectively. Allstate is an expensive provider with an average six-month premium of $2003.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$364	$60
State Farm	$1084	$182
Farm Bureau	$1319	$220
USAA	$1483	$250
Progressive	$1590	$268
Safeway	$1825	$307
Allstate	$2003	$337

Port Allen Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Port Allen LA. For example, the car insurance in Port Allen after a DUI increases to $1697 for a six month policy. While the rate increases by $492 for a six-month policy in the case of a speeding ticket.

Port Allen auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1967	$328
One Med/PIP claim	$1967	$335
Two Med/PIP claims	$1988	$331
Not-at-fault accident	$1996	$340
One comp claim	$2003	$334
Two comp claims	$2075	$353
Failure to wear a seat belt	$2317	$386
Failure to show documents	$2345	$398
Child safety restraint	$2381	$397
Driving without lights	$2381	$404
Driving with expired registration	$2424	$404
Driving too slowly	$2459	$418
Speeding 11 - 15 MPH over limit	$2459	$410
Speeding 16 - 20 MPH over limit	$2459	$418
Speeding 6 - 10 MPH over limit	$2459	$410
Speeding in school zone	$2459	$418
In 65 MPH zone	$2466	$412
Cell phone violation	$2488	$422
Texting while driving	$2488	$415
Wrong way/wrong lane	$2488	$422
At-fault accident - less than $1000	$2502	$416
Failure to stop at a red light	$2502	$426
Failure to yield	$2502	$416
Following too closely	$2502	$426
Illegal turn	$2502	$416
Improper passing	$2502	$426
Passing school bus	$2524	$420
Speeding 21 - 25 MPH over limit	$2524	$430
Open container	$2594	$432
Operating a vehicle without permission	$2773	$472
At-fault accident - $1000-$2000	$2844	$474
At-fault accident - greater than $2000	$2844	$484
Reckless driving	$3436	$572
Refusal to submit to a chemical test	$3493	$594
DUI	$3664	$611
Racing	$3692	$628
Leaving scene of an accident/hit and run	$3721	$620
Driving with a suspended license	$3736	$635

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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 Port Allen 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 Port Allen.

The cheapest car insurance premiums in Port Allen are offered by Louisiana Farm Bureau at $400 for a six-month policy. However, it can be as expensive as $970 with companies like AAA.

Port Allen car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$400	$68
Farm Bureau	$1368	$228
Southern Farm Bureau	$1646	$280
Progressive	$1874	$316
USAA	$2552	$430
Safeway	$2558	$431
State Farm	$2630	$443
Allstate	$3193	$538
AAA	$970	$164

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 Port Allen are offered by Louisiana Farm Bureau at $328. However, it can be as expensive as $2288 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Port Allen after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$328	$55
State Farm	$1112	$187
Farm Bureau	$1169	$199
Progressive	$1554	$262
USAA	$1711	$290
Safeway	$2110	$352
Allstate	$2288	$389

Car Insurance Price Trends in Port Allen, Louisiana

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

The average cost of full coverage in the Port Allen rose by $364 in December compared to $359 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Port Allen rose to $100 in December, compared to $91 in November. This represents an increase of $9 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Port Allen?

The car insurance in Port Allen is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Port Allen?

The cheapest car insurance in Port Allen is $97 per month for full coverage.

How much is car insurance in Port Allen for teenagers?

Car insurance for teenagers costs $456 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 Port Allen?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $304 per month to insure your car in Port Allen.

Is car insurance expensive in Port Allen?

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

What is the best car insurance in Port Allen, LA?

The best car insurance company in Port Allen LA is Louisiana Farm Bureau, offering $584 for a six-month policy.