Cheapest Car Insurance Quotes in Shenandoah

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Shenandoah Car Insurance

^$ 44

/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 Shenandoah

The car insurance rate in Shenandoah is $1718 for a six-month policy, which is $211 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $555, making it a popular choice for budget-conscious drivers. Rates in Shenandoah 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 Shenandoah

$1718

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Shenandoah

1st place: Louisiana Farm Bureau

At $555 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 $1212 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 $1260 for six months, making it the third cheapest auto insurance company in Shenandoah.

Shenandoah Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shenandoah, LA is Louisiana Farm Bureau, offering policies at just $555 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1212.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2451 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shenandoah drivers find the best deals.

Cheap Car Insurance Companies in Shenandoah, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$555	$92
Farm Bureau	$1212	$204
Southern Farm Bureau	$1260	$210
USAA	$1638	$276
Progressive	$1801	$303
State Farm	$1909	$321
Safeway	$2004	$337
SafeAuto	$2153	$366
Encompass	$2201	$367
Allstate	$2451	$413

Key Takeaways

Way's key takeaways about car insurance in Shenandoah

The auto insurance costs in Shenandoah fall around $555 for six months.
The cheapest auto insurance company in Shenandoah is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Shenandoah at $143 per month.

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Cheapest Minimum Liability Car Insurance in Shenandoah

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 Shenandoah are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Shenandoah. Their Average 6 Month Premium is $264. AAA is the most expensive at $548 for the same period.

Cheapest Liability Coverage in Shenandoah, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$264	$44
Farm Bureau	$413	$70
Southern Farm Bureau	$440	$73
State Farm	$542	$91
USAA	$542	$91
Progressive	$569	$96
Allstate	$738	$124
SafeAuto	$772	$131
Safeway	$813	$137
AAA	$548	$91

Cheapest Full Coverage Car Insurance in Shenandoah

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 Shenandoah is Louisiana Farm Bureau at $92 per month and $555 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shenandoah, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$555	$92
Farm Bureau	$1212	$204
Southern Farm Bureau	$1260	$210
USAA	$1638	$276
Progressive	$1801	$303
State Farm	$1909	$321
Safeway	$2004	$337
SafeAuto	$2153	$366
Encompass	$2201	$367
Allstate	$2451	$413

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Average Car Insurance in Shenandoah 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 Shenandoah, LA increasing?

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

Car Insurance Premiums by Age in Shenandoah

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	$1138
30s	USAA	$923
40s	USAA	$850
50s	USAA	$813
60s	USAA	$868
70s	USAA	$889

Cheapest Car Insurance Rates for Teen Drivers in Shenandoah,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 Shenandoah at $72 per month. At $840 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	$433	$72
Farm Bureau	$1903	$324
State Farm	$2444	$412
USAA	$3102	$528
Safeway	$4720	$787
Allstate	$5072	$862
Progressive	$5363	$903
AAA	$840	$143

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 Shenandoah.

As young drivers face the highest rates in Shenandoah, USAA offers the cheapest auto insurance rates at $1138 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 Shenandoah, Louisiana Farm Bureau is the cheapest car insurance provider. At $474 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 Shenandoah is State Farm, offering rates of around $7401 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$474	$81
Allstate	$1679	$280
Farm Bureau	$1753	$299
Safeway	$1957	$326
Progressive	$1977	$333
USAA	$2052	$342
State Farm	$7401	$1259

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Car Insurance Rates with An Accident in Shenandoah

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

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

The cheapest car insurance companies after an at-fault accident in Shenandoah include Louisiana Farm Bureau and State Farm, offering $345 and $1029, respectively. Allstate is an expensive provider with an average six-month premium of $1903.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$345	$57
State Farm	$1029	$173
Farm Bureau	$1253	$209
USAA	$1409	$237
Progressive	$1510	$254
Safeway	$1734	$292
Allstate	$1903	$320

Shenandoah Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shenandoah LA. For example, the car insurance in Shenandoah after a DUI increases to $1612 for a six month policy. While the rate increases by $468 for a six-month policy in the case of a speeding ticket.

Shenandoah auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1868	$311
One Med/PIP claim	$1868	$318
Two Med/PIP claims	$1889	$315
Not-at-fault accident	$1896	$323
One comp claim	$1903	$317
Two comp claims	$1971	$335
Failure to wear a seat belt	$2201	$367
Failure to show documents	$2228	$378
Child safety restraint	$2262	$377
Driving without lights	$2262	$384
Driving with expired registration	$2303	$384
Driving too slowly	$2336	$397
Speeding 11 - 15 MPH over limit	$2336	$390
Speeding 16 - 20 MPH over limit	$2336	$397
Speeding 6 - 10 MPH over limit	$2336	$390
Speeding in school zone	$2336	$397
In 65 MPH zone	$2343	$391
Cell phone violation	$2363	$401
Texting while driving	$2363	$394
Wrong way/wrong lane	$2363	$401
At-fault accident - less than $1000	$2377	$396
Failure to stop at a red light	$2377	$405
Failure to yield	$2377	$396
Following too closely	$2377	$405
Illegal turn	$2377	$396
Improper passing	$2377	$405
Passing school bus	$2397	$399
Speeding 21 - 25 MPH over limit	$2397	$408
Open container	$2465	$410
Operating a vehicle without permission	$2635	$448
At-fault accident - $1000-$2000	$2702	$450
At-fault accident - greater than $2000	$2702	$459
Reckless driving	$3264	$544
Refusal to submit to a chemical test	$3319	$564
DUI	$3480	$580
Racing	$3508	$596
Leaving scene of an accident/hit and run	$3535	$589
Driving with a suspended license	$3549	$603

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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 Shenandoah 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 Shenandoah.

The cheapest car insurance premiums in Shenandoah are offered by Louisiana Farm Bureau at $380 for a six-month policy. However, it can be as expensive as $921 with companies like AAA.

Shenandoah car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$380	$65
Farm Bureau	$1300	$217
Southern Farm Bureau	$1564	$266
Progressive	$1781	$300
USAA	$2425	$408
Safeway	$2430	$409
State Farm	$2499	$421
Allstate	$3034	$511
AAA	$921	$156

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 Shenandoah are offered by Louisiana Farm Bureau at $311. However, it can be as expensive as $2174 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Shenandoah after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$311	$52
State Farm	$1057	$178
Farm Bureau	$1110	$189
Progressive	$1476	$249
USAA	$1626	$276
Safeway	$2004	$334
Allstate	$2174	$369

Car Insurance Price Trends in Shenandoah, Louisiana

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

The average cost of full coverage in the Shenandoah rose by $345 in December compared to $341 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 Shenandoah rose to $95 in December, compared to $87 in November. This represents an increase of $8 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Shenandoah?

The car insurance in Shenandoah is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Shenandoah?

The cheapest car insurance in Shenandoah is $92 per month for full coverage.

How much is car insurance in Shenandoah for teenagers?

Car insurance for teenagers costs $433 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 Shenandoah?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $288 per month to insure your car in Shenandoah.

Is car insurance expensive in Shenandoah?

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

What is the best car insurance in Shenandoah, LA?

The best car insurance company in Shenandoah LA is Louisiana Farm Bureau, offering $555 for a six-month policy.