Cheapest Car Insurance Quotes in Simmesport

Finding the cheapest car insurance quotes in Simmesport shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Simmesport Car Insurance

^$ 46

/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 Simmesport

The car insurance rate in Simmesport is $2011 for a six-month policy, which is $321 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $580, making it a popular choice for budget-conscious drivers. Rates in Simmesport 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 Simmesport

$2011

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Simmesport

1st place: Louisiana Farm Bureau

At $580 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 $1315 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1746 for six months, making it the third cheapest auto insurance company in Simmesport.

Simmesport Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Simmesport, LA is Louisiana Farm Bureau, offering policies at just $580 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1315.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2820 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Simmesport drivers find the best deals.

Cheap Car Insurance Companies in Simmesport, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$580	$99
Southern Farm Bureau	$1315	$219
USAA	$1746	$294
Progressive	$1965	$331
Farm Bureau	$2050	$345
State Farm	$2163	$364
Safeway	$2212	$372
SafeAuto	$2248	$375
Encompass	$2298	$390
Allstate	$2736	$461
AAA	$2820	$480

Key Takeaways

Way's key takeaways about car insurance in Simmesport

The auto insurance costs in Simmesport fall around $580 for six months.
The cheapest auto insurance company in Simmesport is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Simmesport at $1424 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Simmesport

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 Simmesport are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Simmesport. Their Average 6 Month Premium is $276. Safeway is the most expensive at $863 for the same period.

Cheapest Liability Coverage in Simmesport, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$276	$46
Southern Farm Bureau	$459	$79
USAA	$580	$98
Progressive	$594	$100
State Farm	$622	$105
Farm Bureau	$714	$120
AAA	$735	$123
Allstate	$743	$125
SafeAuto	$806	$134
Safeway	$863	$145

Cheapest Full Coverage Car Insurance in Simmesport

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 Simmesport is Louisiana Farm Bureau at $99 per month and $580 for six months.

Cheapest Full Coverage Car Insurance Quotes in Simmesport, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$580	$99
Southern Farm Bureau	$1315	$219
USAA	$1746	$294
Progressive	$1965	$331
Farm Bureau	$2050	$345
State Farm	$2163	$364
Safeway	$2212	$372
SafeAuto	$2248	$375
Encompass	$2298	$390
Allstate	$2736	$461
AAA	$2820	$480

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Simmesport Instantly!

Average Car Insurance in Simmesport 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 Simmesport, LA increasing?

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

Car Insurance Premiums by Age in Simmesport

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	$1188
30s	USAA	$964
40s	USAA	$888
50s	USAA	$848
60s	USAA	$906
70s	USAA	$928

Cheapest Car Insurance Rates for Teen Drivers in Simmesport,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 Simmesport at $75 per month. At $8376 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	$452	$75
State Farm	$3443	$580
USAA	$3676	$613
Safeway	$5619	$956
Allstate	$6249	$1041
Progressive	$6489	$1092
Farm Bureau	$7352	$1226
AAA	$8376	$1424

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 Simmesport.

As young drivers face the highest rates in Simmesport, USAA offers the cheapest auto insurance rates at $1188 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 Simmesport, Louisiana Farm Bureau is the cheapest car insurance provider. At $495 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 Simmesport is State Farm, offering rates of around $11013 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$495	$84
Allstate	$2106	$351
Progressive	$2361	$397
USAA	$2397	$400
Safeway	$2404	$408
Farm Bureau	$4559	$760
AAA	$8002	$1360
State Farm	$11013	$1835

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Simmesport.

Car Insurance Rates with An Accident in Simmesport

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

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

The cheapest car insurance companies after an at-fault accident in Simmesport include Louisiana Farm Bureau and State Farm, offering $361 and $1414, respectively. AAA is an expensive provider with an average six-month premium of $4517.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$361	$60
State Farm	$1414	$238
USAA	$1591	$268
Progressive	$1746	$294
Safeway	$2036	$343
Farm Bureau	$2205	$375
Allstate	$2241	$377
AAA	$4517	$768

Simmesport Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Simmesport LA. For example, the car insurance in Simmesport after a DUI increases to $1683 for a six month policy. While the rate increases by $488 for a six-month policy in the case of a speeding ticket.

Simmesport auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1950	$325
One Med/PIP claim	$1950	$332
Two Med/PIP claims	$1972	$328
Not-at-fault accident	$1979	$337
One comp claim	$1986	$331
Two comp claims	$2058	$350
Failure to wear a seat belt	$2298	$383
Failure to show documents	$2325	$395
Child safety restraint	$2361	$394
Driving without lights	$2361	$401
Driving with expired registration	$2404	$401
Driving too slowly	$2438	$414
Speeding 11 - 15 MPH over limit	$2438	$407
Speeding 16 - 20 MPH over limit	$2438	$414
Speeding 6 - 10 MPH over limit	$2438	$407
Speeding in school zone	$2438	$414
In 65 MPH zone	$2445	$408
Cell phone violation	$2467	$419
Texting while driving	$2467	$412
Wrong way/wrong lane	$2467	$419
At-fault accident - less than $1000	$2481	$413
Failure to stop at a red light	$2481	$422
Failure to yield	$2481	$413
Following too closely	$2481	$422
Illegal turn	$2481	$413
Improper passing	$2481	$422
Passing school bus	$2503	$417
Speeding 21 - 25 MPH over limit	$2503	$426
Open container	$2573	$428
Operating a vehicle without permission	$2750	$468
At-fault accident - $1000-$2000	$2820	$470
At-fault accident - greater than $2000	$2820	$480
Reckless driving	$3407	$568
Refusal to submit to a chemical test	$3464	$589
DUI	$3633	$606
Racing	$3662	$622
Leaving scene of an accident/hit and run	$3690	$615
Driving with a suspended license	$3704	$630

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Simmesport 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 Simmesport.

The cheapest car insurance premiums in Simmesport are offered by Louisiana Farm Bureau at $396 for a six-month policy. However, it can be as expensive as $4178 with companies like AAA.

Simmesport car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$396	$65
Southern Farm Bureau	$1633	$277
Progressive	$1993	$336
Farm Bureau	$2205	$375
USAA	$2693	$453
Safeway	$2785	$469
State Farm	$3104	$522
Allstate	$3407	$574
AAA	$4178	$696

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 Simmesport are offered by Louisiana Farm Bureau at $325. However, it can be as expensive as $3923 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Simmesport after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$325	$55
State Farm	$1457	$245
Progressive	$1760	$296
USAA	$1909	$325
Farm Bureau	$2205	$368
Safeway	$2453	$417
Allstate	$2743	$457
AAA	$3923	$668

Car Insurance Price Trends in Simmesport, Louisiana

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

The average cost of full coverage in the Simmesport rose by $443 in January compared to $362 of December. In other words, there has been an increase by $81 when you compare January and December.

The average cost of liability insurance in the Simmesport rose to $106 in January, compared to $101 in December. This represents an increase of $5 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Simmesport?

The car insurance in Simmesport is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Simmesport?

The cheapest car insurance in Simmesport is $99 per month for full coverage.

How much is car insurance in Simmesport for teenagers?

Car insurance for teenagers costs $452 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 Simmesport?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $338 per month to insure your car in Simmesport.

Is car insurance expensive in Simmesport?

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

What is the best car insurance in Simmesport, LA?

The best car insurance company in Simmesport LA is Louisiana Farm Bureau, offering $580 for a six-month policy.