Cheapest Car Insurance Quotes in Poydras

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Poydras Car Insurance

^$ 54

/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 Poydras

The car insurance rate in Poydras is $2095 for a six-month policy, which is $588 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $677, making it a popular choice for budget-conscious drivers. Rates in Poydras 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 Poydras

$2095

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Poydras

1st place: Louisiana Farm Bureau

At $677 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 $1478 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 $1536 for six months, making it the third cheapest auto insurance company in Poydras.

Poydras Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Poydras, LA is Louisiana Farm Bureau, offering policies at just $677 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1478.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2989 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Poydras drivers find the best deals.

Cheap Car Insurance Companies in Poydras, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$677	$113
Farm Bureau	$1478	$249
Southern Farm Bureau	$1536	$256
USAA	$1997	$336
Progressive	$2196	$370
State Farm	$2328	$392
Safeway	$2444	$411
SafeAuto	$2626	$446
Encompass	$2684	$448
Allstate	$2989	$503

Key Takeaways

Way's key takeaways about car insurance in Poydras

The auto insurance costs in Poydras fall around $677 for six months.
The cheapest auto insurance company in Poydras is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Poydras at $174 per month.

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Cheapest Minimum Liability Car Insurance in Poydras

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 Poydras are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Poydras. Their Average 6 Month Premium is $322. AAA is the most expensive at $669 for the same period.

Cheapest Liability Coverage in Poydras, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$322	$54
Farm Bureau	$503	$85
Southern Farm Bureau	$537	$89
State Farm	$660	$111
USAA	$660	$111
Progressive	$694	$117
Allstate	$899	$152
SafeAuto	$941	$160
Safeway	$991	$167
AAA	$669	$111

Cheapest Full Coverage Car Insurance in Poydras

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 Poydras is Louisiana Farm Bureau at $113 per month and $677 for six months.

Cheapest Full Coverage Car Insurance Quotes in Poydras, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$677	$113
Farm Bureau	$1478	$249
Southern Farm Bureau	$1536	$256
USAA	$1997	$336
Progressive	$2196	$370
State Farm	$2328	$392
Safeway	$2444	$411
SafeAuto	$2626	$446
Encompass	$2684	$448
Allstate	$2989	$503

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Average Car Insurance in Poydras 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 Poydras, LA increasing?

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

Car Insurance Premiums by Age in Poydras

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	$1387
30s	USAA	$1126
40s	USAA	$1037
50s	USAA	$991
60s	USAA	$1058
70s	USAA	$1084

Cheapest Car Insurance Rates for Teen Drivers in Poydras,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 Poydras at $88 per month. At $1024 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	$528	$88
Farm Bureau	$2320	$395
State Farm	$2980	$502
USAA	$3782	$644
Safeway	$5755	$959
Allstate	$6184	$1051
Progressive	$6539	$1101
AAA	$1024	$174

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 Poydras.

As young drivers face the highest rates in Poydras, USAA offers the cheapest auto insurance rates at $1387 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 Poydras, Louisiana Farm Bureau is the cheapest car insurance provider. At $578 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 Poydras is State Farm, offering rates of around $9024 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$578	$99
Allstate	$2047	$342
Farm Bureau	$2138	$364
Safeway	$2387	$398
Progressive	$2410	$406
USAA	$2502	$417
State Farm	$9024	$1535

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Car Insurance Rates with An Accident in Poydras

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

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

The cheapest car insurance companies after an at-fault accident in Poydras include Louisiana Farm Bureau and State Farm, offering $421 and $1255, respectively. Allstate is an expensive provider with an average six-month premium of $2320.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$421	$70
State Farm	$1255	$211
Farm Bureau	$1528	$254
USAA	$1718	$289
Progressive	$1842	$310
Safeway	$2114	$356
Allstate	$2320	$391

Poydras Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Poydras LA. For example, the car insurance in Poydras after a DUI increases to $1966 for a six month policy. While the rate increases by $570 for a six-month policy in the case of a speeding ticket.

Poydras auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2278	$379
One Med/PIP claim	$2278	$388
Two Med/PIP claims	$2303	$384
Not-at-fault accident	$2312	$393
One comp claim	$2320	$386
Two comp claims	$2403	$409
Failure to wear a seat belt	$2684	$448
Failure to show documents	$2716	$461
Child safety restraint	$2758	$460
Driving without lights	$2758	$468
Driving with expired registration	$2808	$468
Driving too slowly	$2848	$484
Speeding 11 - 15 MPH over limit	$2848	$475
Speeding 16 - 20 MPH over limit	$2848	$484
Speeding 6 - 10 MPH over limit	$2848	$475
Speeding in school zone	$2848	$484
In 65 MPH zone	$2856	$477
Cell phone violation	$2881	$489
Texting while driving	$2881	$481
Wrong way/wrong lane	$2881	$489
At-fault accident - less than $1000	$2898	$482
Failure to stop at a red light	$2898	$493
Failure to yield	$2898	$482
Following too closely	$2898	$493
Illegal turn	$2898	$482
Improper passing	$2898	$493
Passing school bus	$2923	$486
Speeding 21 - 25 MPH over limit	$2923	$498
Open container	$3005	$500
Operating a vehicle without permission	$3212	$546
At-fault accident - $1000-$2000	$3294	$549
At-fault accident - greater than $2000	$3294	$560
Reckless driving	$3980	$663
Refusal to submit to a chemical test	$4046	$688
DUI	$4244	$708
Racing	$4277	$727
Leaving scene of an accident/hit and run	$4310	$719
Driving with a suspended license	$4327	$735

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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 Poydras 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 Poydras.

The cheapest car insurance premiums in Poydras are offered by Louisiana Farm Bureau at $463 for a six-month policy. However, it can be as expensive as $1123 with companies like AAA.

Poydras car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$463	$79
Farm Bureau	$1585	$264
Southern Farm Bureau	$1907	$324
Progressive	$2171	$366
USAA	$2957	$498
Safeway	$2963	$499
State Farm	$3047	$513
Allstate	$3699	$623
AAA	$1123	$190

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 Poydras are offered by Louisiana Farm Bureau at $379. However, it can be as expensive as $2651 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Poydras after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$379	$64
State Farm	$1289	$217
Farm Bureau	$1354	$231
Progressive	$1800	$303
USAA	$1982	$336
Safeway	$2444	$407
Allstate	$2651	$450

Car Insurance Price Trends in Poydras, Louisiana

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

The average cost of full coverage in the Poydras rose by $421 in December compared to $416 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 Poydras rose to $115 in December, compared to $106 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 Poydras?

The car insurance in Poydras is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Poydras?

The cheapest car insurance in Poydras is $113 per month for full coverage.

How much is car insurance in Poydras for teenagers?

Car insurance for teenagers costs $528 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 Poydras?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $352 per month to insure your car in Poydras.

Is car insurance expensive in Poydras?

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

What is the best car insurance in Poydras, LA?

The best car insurance company in Poydras LA is Louisiana Farm Bureau, offering $677 for a six-month policy.