Cheapest Car Insurance Quotes in Shongaloo

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Shongaloo Car Insurance

^$ 32

/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 Shongaloo

The car insurance rate in Shongaloo is $1221 for a six-month policy, which is $286 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, making it a popular choice for budget-conscious drivers. Rates in Shongaloo 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 Shongaloo

$1221

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Shongaloo

1st place: Louisiana Farm Bureau

At $394 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 $861 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 $895 for six months, making it the third cheapest auto insurance company in Shongaloo.

Shongaloo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shongaloo, LA is Louisiana Farm Bureau, offering policies at just $394 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $861.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1742 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shongaloo drivers find the best deals.

Cheap Car Insurance Companies in Shongaloo, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$394	$66
Farm Bureau	$861	$145
Southern Farm Bureau	$895	$149
USAA	$1164	$196
Progressive	$1280	$215
State Farm	$1357	$228
Safeway	$1424	$240
SafeAuto	$1530	$260
Encompass	$1564	$261
Allstate	$1742	$293

Key Takeaways

Way's key takeaways about car insurance in Shongaloo

The auto insurance costs in Shongaloo fall around $394 for six months.
The cheapest auto insurance company in Shongaloo is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Shongaloo at $101 per month.

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Cheapest Minimum Liability Car Insurance in Shongaloo

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 Shongaloo are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Shongaloo. Their Average 6 Month Premium is $188. AAA is the most expensive at $390 for the same period.

Cheapest Liability Coverage in Shongaloo, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$188	$32
Farm Bureau	$293	$49
Southern Farm Bureau	$313	$52
State Farm	$385	$65
USAA	$385	$65
Progressive	$404	$68
Allstate	$524	$88
SafeAuto	$548	$93
Safeway	$578	$97
AAA	$390	$65

Cheapest Full Coverage Car Insurance in Shongaloo

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 Shongaloo is Louisiana Farm Bureau at $66 per month and $394 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shongaloo, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$394	$66
Farm Bureau	$861	$145
Southern Farm Bureau	$895	$149
USAA	$1164	$196
Progressive	$1280	$215
State Farm	$1357	$228
Safeway	$1424	$240
SafeAuto	$1530	$260
Encompass	$1564	$261
Allstate	$1742	$293

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Average Car Insurance in Shongaloo 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 Shongaloo, LA increasing?

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

Car Insurance Premiums by Age in Shongaloo

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	$808
30s	USAA	$656
40s	USAA	$604
50s	USAA	$578
60s	USAA	$616
70s	USAA	$632

Cheapest Car Insurance Rates for Teen Drivers in Shongaloo,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 Shongaloo at $51 per month. At $597 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	$308	$51
Farm Bureau	$1352	$230
State Farm	$1737	$292
USAA	$2204	$375
Safeway	$3353	$559
Allstate	$3604	$612
Progressive	$3810	$642
AAA	$597	$101

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 Shongaloo.

As young drivers face the highest rates in Shongaloo, USAA offers the cheapest auto insurance rates at $808 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 Shongaloo, Louisiana Farm Bureau is the cheapest car insurance provider. At $337 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 Shongaloo is State Farm, offering rates of around $5259 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$337	$58
Allstate	$1193	$199
Farm Bureau	$1246	$212
Safeway	$1391	$232
Progressive	$1405	$237
USAA	$1458	$243
State Farm	$5259	$894

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Car Insurance Rates with An Accident in Shongaloo

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

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

The cheapest car insurance companies after an at-fault accident in Shongaloo include Louisiana Farm Bureau and State Farm, offering $245 and $731, respectively. Allstate is an expensive provider with an average six-month premium of $1352.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$245	$41
State Farm	$731	$123
Farm Bureau	$890	$148
USAA	$1001	$168
Progressive	$1073	$181
Safeway	$1232	$207
Allstate	$1352	$228

Shongaloo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shongaloo LA. For example, the car insurance in Shongaloo after a DUI increases to $1145 for a six month policy. While the rate increases by $332 for a six-month policy in the case of a speeding ticket.

Shongaloo auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1328	$221
One Med/PIP claim	$1328	$226
Two Med/PIP claims	$1342	$224
Not-at-fault accident	$1347	$229
One comp claim	$1352	$225
Two comp claims	$1400	$238
Failure to wear a seat belt	$1564	$261
Failure to show documents	$1583	$269
Child safety restraint	$1607	$268
Driving without lights	$1607	$273
Driving with expired registration	$1636	$273
Driving too slowly	$1660	$282
Speeding 11 - 15 MPH over limit	$1660	$277
Speeding 16 - 20 MPH over limit	$1660	$282
Speeding 6 - 10 MPH over limit	$1660	$277
Speeding in school zone	$1660	$282
In 65 MPH zone	$1665	$278
Cell phone violation	$1679	$285
Texting while driving	$1679	$280
Wrong way/wrong lane	$1679	$285
At-fault accident - less than $1000	$1689	$281
Failure to stop at a red light	$1689	$288
Failure to yield	$1689	$281
Following too closely	$1689	$288
Illegal turn	$1689	$281
Improper passing	$1689	$288
Passing school bus	$1703	$284
Speeding 21 - 25 MPH over limit	$1703	$290
Open container	$1751	$292
Operating a vehicle without permission	$1872	$318
At-fault accident - $1000-$2000	$1920	$320
At-fault accident - greater than $2000	$1920	$326
Reckless driving	$2319	$386
Refusal to submit to a chemical test	$2358	$401
DUI	$2473	$412
Racing	$2492	$424
Leaving scene of an accident/hit and run	$2512	$419
Driving with a suspended license	$2522	$428

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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 Shongaloo 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 Shongaloo.

The cheapest car insurance premiums in Shongaloo are offered by Louisiana Farm Bureau at $270 for a six-month policy. However, it can be as expensive as $654 with companies like AAA.

Shongaloo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$270	$46
Farm Bureau	$923	$154
Southern Farm Bureau	$1111	$189
Progressive	$1265	$213
USAA	$1723	$290
Safeway	$1727	$291
State Farm	$1776	$299
Allstate	$2155	$363
AAA	$654	$111

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 Shongaloo are offered by Louisiana Farm Bureau at $221. However, it can be as expensive as $1545 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Shongaloo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$221	$37
State Farm	$751	$126
Farm Bureau	$789	$134
Progressive	$1049	$177
USAA	$1155	$196
Safeway	$1424	$237
Allstate	$1545	$262

Car Insurance Price Trends in Shongaloo, Louisiana

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

The average cost of full coverage in the Shongaloo rose by $245 in December compared to $242 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Shongaloo rose to $67 in December, compared to $62 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Shongaloo?

The car insurance in Shongaloo is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Shongaloo?

The cheapest car insurance in Shongaloo is $66 per month for full coverage.

How much is car insurance in Shongaloo for teenagers?

Car insurance for teenagers costs $308 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 Shongaloo?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $205 per month to insure your car in Shongaloo.

Is car insurance expensive in Shongaloo?

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

What is the best car insurance in Shongaloo, LA?

The best car insurance company in Shongaloo LA is Louisiana Farm Bureau, offering $394 for a six-month policy.