Cheapest Car Insurance Quotes in Red Chute

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Red Chute Car Insurance

^$ 33

/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 Red Chute

The car insurance rate in Red Chute is $1437 for a six-month policy, which is $253 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $414, making it a popular choice for budget-conscious drivers. Rates in Red Chute 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 Red Chute

$1437

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Red Chute

1st place: Louisiana Farm Bureau

At $414 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $939 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1247 for six months, making it the third cheapest auto insurance company in Red Chute.

Red Chute Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Red Chute, LA is Louisiana Farm Bureau, offering policies at just $414 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $939.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2015 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Chute drivers find the best deals.

Cheap Car Insurance Companies in Red Chute, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$414	$71
Southern Farm Bureau	$939	$156
USAA	$1247	$210
Progressive	$1403	$236
Farm Bureau	$1465	$247
State Farm	$1545	$260
Safeway	$1580	$266
SafeAuto	$1606	$268
Encompass	$1641	$279
Allstate	$1954	$329
AAA	$2015	$343

Key Takeaways

Way's key takeaways about car insurance in Red Chute

The auto insurance costs in Red Chute fall around $414 for six months.
The cheapest auto insurance company in Red Chute is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Red Chute at $1017 per month.

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Cheapest Minimum Liability Car Insurance in Red Chute

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 Red Chute are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Red Chute. Their Average 6 Month Premium is $197. Safeway is the most expensive at $616 for the same period.

Cheapest Liability Coverage in Red Chute, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$197	$33
Southern Farm Bureau	$328	$56
USAA	$414	$70
Progressive	$424	$71
State Farm	$445	$75
Farm Bureau	$510	$86
AAA	$525	$88
Allstate	$530	$89
SafeAuto	$575	$96
Safeway	$616	$104

Cheapest Full Coverage Car Insurance in Red Chute

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 Red Chute is Louisiana Farm Bureau at $71 per month and $414 for six months.

Cheapest Full Coverage Car Insurance Quotes in Red Chute, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$414	$71
Southern Farm Bureau	$939	$156
USAA	$1247	$210
Progressive	$1403	$236
Farm Bureau	$1465	$247
State Farm	$1545	$260
Safeway	$1580	$266
SafeAuto	$1606	$268
Encompass	$1641	$279
Allstate	$1954	$329
AAA	$2015	$343

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Average Car Insurance in Red Chute 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 Red Chute, LA increasing?

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

Car Insurance Premiums by Age in Red Chute

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	$848
30s	USAA	$689
40s	USAA	$634
50s	USAA	$606
60s	USAA	$647
70s	USAA	$663

Cheapest Car Insurance Rates for Teen Drivers in Red Chute,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 Red Chute at $54 per month. At $5983 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	$323	$54
State Farm	$2459	$414
USAA	$2626	$438
Safeway	$4014	$683
Allstate	$4463	$744
Progressive	$4635	$780
Farm Bureau	$5251	$876
AAA	$5983	$1017

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 Red Chute.

As young drivers face the highest rates in Red Chute, USAA offers the cheapest auto insurance rates at $848 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 Red Chute, Louisiana Farm Bureau is the cheapest car insurance provider. At $354 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 Red Chute is State Farm, offering rates of around $7867 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$354	$60
Allstate	$1505	$251
Progressive	$1686	$284
USAA	$1712	$286
Safeway	$1717	$292
Farm Bureau	$3256	$543
AAA	$5715	$972
State Farm	$7867	$1311

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Car Insurance Rates with An Accident in Red Chute

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

Cheapest Car Insurance Companies after an At-Fault Accident in Red Chute

The cheapest car insurance companies after an at-fault accident in Red Chute include Louisiana Farm Bureau and State Farm, offering $258 and $1010, respectively. AAA is an expensive provider with an average six-month premium of $3227.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$258	$43
State Farm	$1010	$170
USAA	$1136	$191
Progressive	$1247	$210
Safeway	$1454	$245
Farm Bureau	$1575	$268
Allstate	$1601	$269
AAA	$3227	$548

Red Chute Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Red Chute LA. For example, the car insurance in Red Chute after a DUI increases to $1202 for a six month policy. While the rate increases by $349 for a six-month policy in the case of a speeding ticket.

Red Chute auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1393	$232
One Med/PIP claim	$1393	$237
Two Med/PIP claims	$1408	$235
Not-at-fault accident	$1414	$241
One comp claim	$1419	$236
Two comp claims	$1470	$250
Failure to wear a seat belt	$1641	$274
Failure to show documents	$1661	$282
Child safety restraint	$1686	$281
Driving without lights	$1686	$286
Driving with expired registration	$1717	$286
Driving too slowly	$1742	$296
Speeding 11 - 15 MPH over limit	$1742	$291
Speeding 16 - 20 MPH over limit	$1742	$296
Speeding 6 - 10 MPH over limit	$1742	$291
Speeding in school zone	$1742	$296
In 65 MPH zone	$1747	$292
Cell phone violation	$1762	$299
Texting while driving	$1762	$294
Wrong way/wrong lane	$1762	$299
At-fault accident - less than $1000	$1772	$295
Failure to stop at a red light	$1772	$302
Failure to yield	$1772	$295
Following too closely	$1772	$302
Illegal turn	$1772	$295
Improper passing	$1772	$302
Passing school bus	$1788	$298
Speeding 21 - 25 MPH over limit	$1788	$304
Open container	$1838	$306
Operating a vehicle without permission	$1964	$334
At-fault accident - $1000-$2000	$2015	$336
At-fault accident - greater than $2000	$2015	$343
Reckless driving	$2434	$405
Refusal to submit to a chemical test	$2474	$421
DUI	$2595	$433
Racing	$2615	$445
Leaving scene of an accident/hit and run	$2636	$439
Driving with a suspended license	$2646	$450

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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 Red Chute 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 Red Chute.

The cheapest car insurance premiums in Red Chute are offered by Louisiana Farm Bureau at $283 for a six-month policy. However, it can be as expensive as $2984 with companies like AAA.

Red Chute car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$283	$47
Southern Farm Bureau	$1166	$198
Progressive	$1424	$240
Farm Bureau	$1575	$268
USAA	$1924	$324
Safeway	$1989	$335
State Farm	$2217	$373
Allstate	$2434	$410
AAA	$2984	$497

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 Red Chute are offered by Louisiana Farm Bureau at $232. However, it can be as expensive as $2802 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Red Chute after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$232	$39
State Farm	$1040	$175
Progressive	$1257	$212
USAA	$1363	$232
Farm Bureau	$1575	$263
Safeway	$1752	$298
Allstate	$1959	$326
AAA	$2802	$477

Car Insurance Price Trends in Red Chute, Louisiana

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

The average cost of full coverage in the Red Chute rose by $316 in January compared to $258 of December. In other words, there has been an increase by $58 when you compare January and December.

The average cost of liability insurance in the Red Chute rose to $76 in January, compared to $72 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Red Chute?

The car insurance in Red Chute is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Red Chute?

The cheapest car insurance in Red Chute is $71 per month for full coverage.

How much is car insurance in Red Chute for teenagers?

Car insurance for teenagers costs $323 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 Red Chute?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $241 per month to insure your car in Red Chute.

Is car insurance expensive in Red Chute?

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

What is the best car insurance in Red Chute, LA?

The best car insurance company in Red Chute LA is Louisiana Farm Bureau, offering $414 for a six-month policy.