Cheapest Car Insurance Quotes in Simpson

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399,755 Policies Sold

Simpson Car Insurance

^$ 31

/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 Simpson

The car insurance rate in Simpson is $1206 for a six-month policy, which is $301 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, making it a popular choice for budget-conscious drivers. Rates in Simpson 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 Simpson

$1206

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Simpson

1st place: Louisiana Farm Bureau

At $390 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 $850 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 $884 for six months, making it the third cheapest auto insurance company in Simpson.

Simpson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Simpson, LA is Louisiana Farm Bureau, offering policies at just $390 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $850.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1720 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Simpson drivers find the best deals.

Cheap Car Insurance Companies in Simpson, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$390	$65
Farm Bureau	$850	$143
Southern Farm Bureau	$884	$147
USAA	$1150	$194
Progressive	$1264	$213
State Farm	$1340	$226
Safeway	$1406	$237
SafeAuto	$1511	$257
Encompass	$1545	$258
Allstate	$1720	$290

Key Takeaways

Way's key takeaways about car insurance in Simpson

The auto insurance costs in Simpson fall around $390 for six months.
The cheapest auto insurance company in Simpson is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Simpson at $100 per month.

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Cheapest Minimum Liability Car Insurance in Simpson

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 Simpson are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Simpson. Their Average 6 Month Premium is $186. AAA is the most expensive at $385 for the same period.

Cheapest Liability Coverage in Simpson, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$186	$31
Farm Bureau	$290	$49
Southern Farm Bureau	$309	$51
State Farm	$380	$64
USAA	$380	$64
Progressive	$399	$67
Allstate	$518	$87
SafeAuto	$542	$92
Safeway	$570	$96
AAA	$385	$64

Cheapest Full Coverage Car Insurance in Simpson

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 Simpson is Louisiana Farm Bureau at $65 per month and $390 for six months.

Cheapest Full Coverage Car Insurance Quotes in Simpson, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$390	$65
Farm Bureau	$850	$143
Southern Farm Bureau	$884	$147
USAA	$1150	$194
Progressive	$1264	$213
State Farm	$1340	$226
Safeway	$1406	$237
SafeAuto	$1511	$257
Encompass	$1545	$258
Allstate	$1720	$290

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Average Car Insurance in Simpson 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 Simpson, LA increasing?

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

Car Insurance Premiums by Age in Simpson

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	$798
30s	USAA	$648
40s	USAA	$597
50s	USAA	$570
60s	USAA	$609
70s	USAA	$624

Cheapest Car Insurance Rates for Teen Drivers in Simpson,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 Simpson at $50 per month. At $590 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	$304	$50
Farm Bureau	$1335	$227
State Farm	$1715	$289
USAA	$2177	$370
Safeway	$3312	$552
Allstate	$3559	$605
Progressive	$3763	$634
AAA	$590	$100

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 Simpson.

As young drivers face the highest rates in Simpson, USAA offers the cheapest auto insurance rates at $798 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 Simpson, Louisiana Farm Bureau is the cheapest car insurance provider. At $333 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 Simpson is State Farm, offering rates of around $5194 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$333	$57
Allstate	$1178	$197
Farm Bureau	$1230	$210
Safeway	$1374	$229
Progressive	$1387	$234
USAA	$1440	$240
State Farm	$5194	$883

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Car Insurance Rates with An Accident in Simpson

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

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

The cheapest car insurance companies after an at-fault accident in Simpson include Louisiana Farm Bureau and State Farm, offering $242 and $722, respectively. Allstate is an expensive provider with an average six-month premium of $1335.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$242	$40
State Farm	$722	$122
Farm Bureau	$879	$146
USAA	$989	$166
Progressive	$1060	$178
Safeway	$1217	$205
Allstate	$1335	$225

Simpson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Simpson LA. For example, the car insurance in Simpson after a DUI increases to $1131 for a six month policy. While the rate increases by $328 for a six-month policy in the case of a speeding ticket.

Simpson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1311	$218
One Med/PIP claim	$1311	$223
Two Med/PIP claims	$1326	$221
Not-at-fault accident	$1330	$226
One comp claim	$1335	$222
Two comp claims	$1383	$235
Failure to wear a seat belt	$1545	$258
Failure to show documents	$1563	$266
Child safety restraint	$1587	$265
Driving without lights	$1587	$270
Driving with expired registration	$1616	$270
Driving too slowly	$1639	$278
Speeding 11 - 15 MPH over limit	$1639	$274
Speeding 16 - 20 MPH over limit	$1639	$278
Speeding 6 - 10 MPH over limit	$1639	$274
Speeding in school zone	$1639	$278
In 65 MPH zone	$1644	$274
Cell phone violation	$1658	$282
Texting while driving	$1658	$277
Wrong way/wrong lane	$1658	$282
At-fault accident - less than $1000	$1668	$278
Failure to stop at a red light	$1668	$284
Failure to yield	$1668	$278
Following too closely	$1668	$284
Illegal turn	$1668	$278
Improper passing	$1668	$284
Passing school bus	$1682	$280
Speeding 21 - 25 MPH over limit	$1682	$286
Open container	$1730	$288
Operating a vehicle without permission	$1849	$314
At-fault accident - $1000-$2000	$1896	$316
At-fault accident - greater than $2000	$1896	$322
Reckless driving	$2290	$382
Refusal to submit to a chemical test	$2329	$396
DUI	$2442	$407
Racing	$2462	$418
Leaving scene of an accident/hit and run	$2481	$414
Driving with a suspended license	$2490	$423

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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 Simpson 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 Simpson.

The cheapest car insurance premiums in Simpson are offered by Louisiana Farm Bureau at $266 for a six-month policy. However, it can be as expensive as $646 with companies like AAA.

Simpson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$266	$46
Farm Bureau	$912	$152
Southern Farm Bureau	$1098	$186
Progressive	$1250	$210
USAA	$1702	$286
Safeway	$1706	$287
State Farm	$1754	$295
Allstate	$2129	$358
AAA	$646	$110

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 Simpson are offered by Louisiana Farm Bureau at $218. However, it can be as expensive as $1526 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Simpson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$218	$37
State Farm	$742	$125
Farm Bureau	$779	$133
Progressive	$1036	$174
USAA	$1141	$194
Safeway	$1406	$234
Allstate	$1526	$259

Car Insurance Price Trends in Simpson, Louisiana

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

The average cost of full coverage in the Simpson rose by $242 in December compared to $239 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 Simpson rose to $66 in December, compared to $61 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 Simpson?

The car insurance in Simpson is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Simpson?

The cheapest car insurance in Simpson is $65 per month for full coverage.

How much is car insurance in Simpson for teenagers?

Car insurance for teenagers costs $304 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 Simpson?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $202 per month to insure your car in Simpson.

Is car insurance expensive in Simpson?

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

What is the best car insurance in Simpson, LA?

The best car insurance company in Simpson LA is Louisiana Farm Bureau, offering $390 for a six-month policy.