Cheapest Car Insurance Quotes in Simsboro

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Simsboro 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 Simsboro

The car insurance rate in Simsboro is $1369 for a six-month policy, which is $321 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 Simsboro 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 Simsboro

$1369

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Simsboro

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: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $895 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1188 for six months, making it the third cheapest auto insurance company in Simsboro.

Simsboro Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Simsboro, LA is Louisiana Farm Bureau, offering policies at just $394 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $895.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1920 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Simsboro drivers find the best deals.

Cheap Car Insurance Companies in Simsboro, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$394	$67
Southern Farm Bureau	$895	$149
USAA	$1188	$200
Progressive	$1337	$225
Farm Bureau	$1396	$235
State Farm	$1473	$248
Safeway	$1506	$254
SafeAuto	$1530	$255
Encompass	$1564	$266
Allstate	$1862	$313
AAA	$1920	$326

Key Takeaways

Way's key takeaways about car insurance in Simsboro

The auto insurance costs in Simsboro fall around $394 for six months.
The cheapest auto insurance company in Simsboro is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Simsboro at $970 per month.

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Cheapest Minimum Liability Car Insurance in Simsboro

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 Simsboro are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Simsboro. Their Average 6 Month Premium is $188. Safeway is the most expensive at $587 for the same period.

Cheapest Liability Coverage in Simsboro, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$188	$32
Southern Farm Bureau	$313	$53
USAA	$394	$66
Progressive	$404	$68
State Farm	$424	$71
Farm Bureau	$486	$82
AAA	$501	$83
Allstate	$505	$85
SafeAuto	$548	$92
Safeway	$587	$99

Cheapest Full Coverage Car Insurance in Simsboro

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 Simsboro is Louisiana Farm Bureau at $67 per month and $394 for six months.

Cheapest Full Coverage Car Insurance Quotes in Simsboro, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$394	$67
Southern Farm Bureau	$895	$149
USAA	$1188	$200
Progressive	$1337	$225
Farm Bureau	$1396	$235
State Farm	$1473	$248
Safeway	$1506	$254
SafeAuto	$1530	$255
Encompass	$1564	$266
Allstate	$1862	$313
AAA	$1920	$326

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Average Car Insurance in Simsboro 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 Simsboro, LA increasing?

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

Car Insurance Premiums by Age in Simsboro

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 Simsboro,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 Simsboro at $51 per month. At $5702 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
State Farm	$2343	$394
USAA	$2502	$417
Safeway	$3825	$650
Allstate	$4253	$709
Progressive	$4417	$744
Farm Bureau	$5004	$834
AAA	$5702	$970

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 Simsboro.

As young drivers face the highest rates in Simsboro, 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 Simsboro, 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 Simsboro is State Farm, offering rates of around $7497 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$337	$58
Allstate	$1434	$239
Progressive	$1607	$271
USAA	$1631	$272
Safeway	$1636	$278
Farm Bureau	$3103	$518
AAA	$5446	$926
State Farm	$7497	$1249

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Car Insurance Rates with An Accident in Simsboro

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

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

The cheapest car insurance companies after an at-fault accident in Simsboro include Louisiana Farm Bureau and State Farm, offering $245 and $962, respectively. AAA is an expensive provider with an average six-month premium of $3075.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$245	$41
State Farm	$962	$162
USAA	$1083	$182
Progressive	$1188	$200
Safeway	$1386	$233
Farm Bureau	$1501	$255
Allstate	$1525	$257
AAA	$3075	$522

Simsboro Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Simsboro LA. For example, the car insurance in Simsboro 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.

Simsboro 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 Simsboro 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 Simsboro.

The cheapest car insurance premiums in Simsboro are offered by Louisiana Farm Bureau at $270 for a six-month policy. However, it can be as expensive as $2844 with companies like AAA.

Simsboro car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$270	$45
Southern Farm Bureau	$1111	$189
Progressive	$1357	$228
Farm Bureau	$1501	$255
USAA	$1833	$309
Safeway	$1895	$319
State Farm	$2112	$356
Allstate	$2319	$390
AAA	$2844	$474

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 Simsboro are offered by Louisiana Farm Bureau at $221. However, it can be as expensive as $2671 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Simsboro after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$221	$37
State Farm	$991	$167
Progressive	$1198	$202
USAA	$1299	$221
Farm Bureau	$1501	$250
Safeway	$1669	$284
Allstate	$1867	$311
AAA	$2671	$454

Car Insurance Price Trends in Simsboro, Louisiana

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

The average cost of full coverage in the Simsboro rose by $301 in January compared to $246 of December. In other words, there has been an increase by $55 when you compare January and December.

The average cost of liability insurance in the Simsboro rose to $72 in January, compared to $69 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Simsboro?

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

What is the cheapest car insurance in Simsboro?

The cheapest car insurance in Simsboro is $67 per month for full coverage.

How much is car insurance in Simsboro 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 Simsboro?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $230 per month to insure your car in Simsboro.

Is car insurance expensive in Simsboro?

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

What is the best car insurance in Simsboro, LA?

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