Cheapest Car Insurance Quotes in Rosedale

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Rosedale Car Insurance

^$ 41

/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 Rosedale

The car insurance rate in Rosedale is $1597 for a six-month policy, which is $90 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $516, making it a popular choice for budget-conscious drivers. Rates in Rosedale 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 Rosedale

$1597

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Rosedale

1st place: Louisiana Farm Bureau

At $516 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 $1127 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 $1171 for six months, making it the third cheapest auto insurance company in Rosedale.

Rosedale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rosedale, LA is Louisiana Farm Bureau, offering policies at just $516 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1127.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2279 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rosedale drivers find the best deals.

Cheap Car Insurance Companies in Rosedale, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$516	$86
Farm Bureau	$1127	$190
Southern Farm Bureau	$1171	$195
USAA	$1523	$257
Progressive	$1675	$282
State Farm	$1776	$299
Safeway	$1863	$314
SafeAuto	$2002	$340
Encompass	$2047	$341
Allstate	$2279	$384

Key Takeaways

Way's key takeaways about car insurance in Rosedale

The auto insurance costs in Rosedale fall around $516 for six months.
The cheapest auto insurance company in Rosedale is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Rosedale at $133 per month.

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Cheapest Minimum Liability Car Insurance in Rosedale

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 Rosedale are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Rosedale. Their Average 6 Month Premium is $246. AAA is the most expensive at $510 for the same period.

Cheapest Liability Coverage in Rosedale, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$246	$41
Farm Bureau	$384	$65
Southern Farm Bureau	$409	$68
State Farm	$504	$85
USAA	$504	$85
Progressive	$529	$89
Allstate	$686	$116
SafeAuto	$718	$122
Safeway	$756	$127
AAA	$510	$85

Cheapest Full Coverage Car Insurance in Rosedale

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 Rosedale is Louisiana Farm Bureau at $86 per month and $516 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rosedale, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$516	$86
Farm Bureau	$1127	$190
Southern Farm Bureau	$1171	$195
USAA	$1523	$257
Progressive	$1675	$282
State Farm	$1776	$299
Safeway	$1863	$314
SafeAuto	$2002	$340
Encompass	$2047	$341
Allstate	$2279	$384

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Average Car Insurance in Rosedale 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 Rosedale, LA increasing?

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

Car Insurance Premiums by Age in Rosedale

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	$1058
30s	USAA	$859
40s	USAA	$791
50s	USAA	$756
60s	USAA	$807
70s	USAA	$827

Cheapest Car Insurance Rates for Teen Drivers in Rosedale,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 Rosedale at $67 per month. At $781 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	$403	$67
Farm Bureau	$1769	$301
State Farm	$2273	$383
USAA	$2884	$491
Safeway	$4388	$731
Allstate	$4716	$801
Progressive	$4986	$840
AAA	$781	$133

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 Rosedale.

As young drivers face the highest rates in Rosedale, USAA offers the cheapest auto insurance rates at $1058 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 Rosedale, Louisiana Farm Bureau is the cheapest car insurance provider. At $441 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 Rosedale is State Farm, offering rates of around $6882 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$441	$75
Allstate	$1561	$261
Farm Bureau	$1630	$278
Safeway	$1820	$303
Progressive	$1838	$310
USAA	$1908	$318
State Farm	$6882	$1170

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Car Insurance Rates with An Accident in Rosedale

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

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

The cheapest car insurance companies after an at-fault accident in Rosedale include Louisiana Farm Bureau and State Farm, offering $321 and $957, respectively. Allstate is an expensive provider with an average six-month premium of $1769.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$321	$53
State Farm	$957	$161
Farm Bureau	$1165	$194
USAA	$1310	$220
Progressive	$1405	$236
Safeway	$1612	$271
Allstate	$1769	$298

Rosedale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rosedale LA. For example, the car insurance in Rosedale after a DUI increases to $1499 for a six month policy. While the rate increases by $435 for a six-month policy in the case of a speeding ticket.

Rosedale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1737	$289
One Med/PIP claim	$1737	$296
Two Med/PIP claims	$1756	$293
Not-at-fault accident	$1763	$300
One comp claim	$1769	$295
Two comp claims	$1833	$312
Failure to wear a seat belt	$2047	$341
Failure to show documents	$2071	$352
Child safety restraint	$2103	$351
Driving without lights	$2103	$357
Driving with expired registration	$2141	$357
Driving too slowly	$2172	$369
Speeding 11 - 15 MPH over limit	$2172	$363
Speeding 16 - 20 MPH over limit	$2172	$369
Speeding 6 - 10 MPH over limit	$2172	$363
Speeding in school zone	$2172	$369
In 65 MPH zone	$2178	$364
Cell phone violation	$2197	$373
Texting while driving	$2197	$367
Wrong way/wrong lane	$2197	$373
At-fault accident - less than $1000	$2210	$368
Failure to stop at a red light	$2210	$376
Failure to yield	$2210	$368
Following too closely	$2210	$376
Illegal turn	$2210	$368
Improper passing	$2210	$376
Passing school bus	$2229	$371
Speeding 21 - 25 MPH over limit	$2229	$379
Open container	$2292	$382
Operating a vehicle without permission	$2450	$417
At-fault accident - $1000-$2000	$2512	$419
At-fault accident - greater than $2000	$2512	$427
Reckless driving	$3035	$506
Refusal to submit to a chemical test	$3086	$525
DUI	$3236	$540
Racing	$3262	$554
Leaving scene of an accident/hit and run	$3287	$548
Driving with a suspended license	$3300	$561

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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 Rosedale 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 Rosedale.

The cheapest car insurance premiums in Rosedale are offered by Louisiana Farm Bureau at $353 for a six-month policy. However, it can be as expensive as $856 with companies like AAA.

Rosedale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$353	$60
Farm Bureau	$1208	$201
Southern Farm Bureau	$1454	$247
Progressive	$1656	$279
USAA	$2255	$379
Safeway	$2260	$381
State Farm	$2324	$391
Allstate	$2821	$475
AAA	$856	$145

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 Rosedale are offered by Louisiana Farm Bureau at $289. However, it can be as expensive as $2021 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Rosedale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$289	$49
State Farm	$983	$165
Farm Bureau	$1032	$176
Progressive	$1373	$231
USAA	$1512	$257
Safeway	$1863	$311
Allstate	$2021	$343

Car Insurance Price Trends in Rosedale, Louisiana

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

The average cost of full coverage in the Rosedale rose by $321 in December compared to $317 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 Rosedale rose to $88 in December, compared to $81 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 Rosedale?

The car insurance in Rosedale is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Rosedale?

The cheapest car insurance in Rosedale is $86 per month for full coverage.

How much is car insurance in Rosedale for teenagers?

Car insurance for teenagers costs $403 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 Rosedale?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $268 per month to insure your car in Rosedale.

Is car insurance expensive in Rosedale?

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

What is the best car insurance in Rosedale, LA?

The best car insurance company in Rosedale LA is Louisiana Farm Bureau, offering $516 for a six-month policy.