Cheapest Car Insurance Quotes in Spearsville

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Spearsville Car Insurance

^$ 34

/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 Spearsville

The car insurance rate in Spearsville is $1296 for a six-month policy, which is $211 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $419, making it a popular choice for budget-conscious drivers. Rates in Spearsville 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 Spearsville

$1296

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Spearsville

1st place: Louisiana Farm Bureau

At $419 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 $914 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 $950 for six months, making it the third cheapest auto insurance company in Spearsville.

Spearsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Spearsville, LA is Louisiana Farm Bureau, offering policies at just $419 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $914.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1849 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Spearsville drivers find the best deals.

Cheap Car Insurance Companies in Spearsville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$419	$70
Farm Bureau	$914	$154
Southern Farm Bureau	$950	$158
USAA	$1236	$208
Progressive	$1359	$229
State Farm	$1441	$243
Safeway	$1512	$255
SafeAuto	$1625	$276
Encompass	$1661	$277
Allstate	$1849	$311

Key Takeaways

Way's key takeaways about car insurance in Spearsville

The auto insurance costs in Spearsville fall around $419 for six months.
The cheapest auto insurance company in Spearsville is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Spearsville at $108 per month.

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Cheapest Minimum Liability Car Insurance in Spearsville

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 Spearsville are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Spearsville. Their Average 6 Month Premium is $200. AAA is the most expensive at $414 for the same period.

Cheapest Liability Coverage in Spearsville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$200	$34
Farm Bureau	$311	$52
Southern Farm Bureau	$332	$55
State Farm	$409	$69
USAA	$409	$69
Progressive	$429	$72
Allstate	$556	$94
SafeAuto	$582	$99
Safeway	$613	$103
AAA	$414	$69

Cheapest Full Coverage Car Insurance in Spearsville

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 Spearsville is Louisiana Farm Bureau at $70 per month and $419 for six months.

Cheapest Full Coverage Car Insurance Quotes in Spearsville, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$419	$70
Farm Bureau	$914	$154
Southern Farm Bureau	$950	$158
USAA	$1236	$208
Progressive	$1359	$229
State Farm	$1441	$243
Safeway	$1512	$255
SafeAuto	$1625	$276
Encompass	$1661	$277
Allstate	$1849	$311

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Average Car Insurance in Spearsville 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 Spearsville, LA increasing?

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

Car Insurance Premiums by Age in Spearsville

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	$858
30s	USAA	$697
40s	USAA	$642
50s	USAA	$613
60s	USAA	$654
70s	USAA	$671

Cheapest Car Insurance Rates for Teen Drivers in Spearsville,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 Spearsville at $54 per month. At $634 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	$327	$54
Farm Bureau	$1435	$244
State Farm	$1844	$310
USAA	$2340	$398
Safeway	$3560	$593
Allstate	$3826	$650
Progressive	$4045	$681
AAA	$634	$108

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 Spearsville.

As young drivers face the highest rates in Spearsville, USAA offers the cheapest auto insurance rates at $858 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 Spearsville, Louisiana Farm Bureau is the cheapest car insurance provider. At $358 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 Spearsville is State Farm, offering rates of around $5583 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$358	$61
Allstate	$1267	$212
Farm Bureau	$1323	$225
Safeway	$1477	$246
Progressive	$1491	$251
USAA	$1548	$258
State Farm	$5583	$949

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Car Insurance Rates with An Accident in Spearsville

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

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

The cheapest car insurance companies after an at-fault accident in Spearsville include Louisiana Farm Bureau and State Farm, offering $261 and $777, respectively. Allstate is an expensive provider with an average six-month premium of $1435.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$261	$43
State Farm	$777	$131
Farm Bureau	$945	$157
USAA	$1063	$179
Progressive	$1140	$192
Safeway	$1308	$220
Allstate	$1435	$242

Spearsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Spearsville LA. For example, the car insurance in Spearsville after a DUI increases to $1216 for a six month policy. While the rate increases by $352 for a six-month policy in the case of a speeding ticket.

Spearsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1410	$235
One Med/PIP claim	$1410	$240
Two Med/PIP claims	$1425	$237
Not-at-fault accident	$1430	$243
One comp claim	$1435	$239
Two comp claims	$1487	$253
Failure to wear a seat belt	$1661	$277
Failure to show documents	$1680	$286
Child safety restraint	$1706	$285
Driving without lights	$1706	$290
Driving with expired registration	$1737	$290
Driving too slowly	$1762	$299
Speeding 11 - 15 MPH over limit	$1762	$294
Speeding 16 - 20 MPH over limit	$1762	$299
Speeding 6 - 10 MPH over limit	$1762	$294
Speeding in school zone	$1762	$299
In 65 MPH zone	$1767	$295
Cell phone violation	$1783	$303
Texting while driving	$1783	$298
Wrong way/wrong lane	$1783	$303
At-fault accident - less than $1000	$1793	$298
Failure to stop at a red light	$1793	$305
Failure to yield	$1793	$298
Following too closely	$1793	$305
Illegal turn	$1793	$298
Improper passing	$1793	$305
Passing school bus	$1809	$301
Speeding 21 - 25 MPH over limit	$1809	$308
Open container	$1859	$310
Operating a vehicle without permission	$1987	$338
At-fault accident - $1000-$2000	$2038	$340
At-fault accident - greater than $2000	$2038	$347
Reckless driving	$2462	$410
Refusal to submit to a chemical test	$2503	$426
DUI	$2626	$438
Racing	$2646	$450
Leaving scene of an accident/hit and run	$2667	$445
Driving with a suspended license	$2677	$455

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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 Spearsville 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 Spearsville.

The cheapest car insurance premiums in Spearsville are offered by Louisiana Farm Bureau at $286 for a six-month policy. However, it can be as expensive as $695 with companies like AAA.

Spearsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$286	$49
Farm Bureau	$980	$163
Southern Farm Bureau	$1180	$200
Progressive	$1343	$226
USAA	$1829	$308
Safeway	$1834	$309
State Farm	$1885	$317
Allstate	$2288	$385
AAA	$695	$118

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 Spearsville are offered by Louisiana Farm Bureau at $235. However, it can be as expensive as $1640 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Spearsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$235	$40
State Farm	$797	$134
Farm Bureau	$838	$143
Progressive	$1114	$187
USAA	$1226	$208
Safeway	$1512	$252
Allstate	$1640	$279

Car Insurance Price Trends in Spearsville, Louisiana

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

The average cost of full coverage in the Spearsville rose by $261 in December compared to $257 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 Spearsville rose to $71 in December, compared to $65 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Spearsville?

The car insurance in Spearsville is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Spearsville?

The cheapest car insurance in Spearsville is $70 per month for full coverage.

How much is car insurance in Spearsville for teenagers?

Car insurance for teenagers costs $327 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 Spearsville?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $218 per month to insure your car in Spearsville.

Is car insurance expensive in Spearsville?

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

What is the best car insurance in Spearsville, LA?

The best car insurance company in Spearsville LA is Louisiana Farm Bureau, offering $419 for a six-month policy.