Cheapest Car Insurance Quotes in Terrytown

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Terrytown Car Insurance

^$ 57

/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 Terrytown

The car insurance rate in Terrytown is $2451 for a six-month policy, which is $761 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $706, making it a popular choice for budget-conscious drivers. Rates in Terrytown 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 Terrytown

$2451

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Terrytown

1st place: Louisiana Farm Bureau

At $706 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 $1602 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $2127 for six months, making it the third cheapest auto insurance company in Terrytown.

Terrytown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Terrytown, LA is Louisiana Farm Bureau, offering policies at just $706 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1602.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $3437 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Terrytown drivers find the best deals.

Cheap Car Insurance Companies in Terrytown, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$706	$120
Southern Farm Bureau	$1602	$267
USAA	$2127	$358
Progressive	$2394	$403
Farm Bureau	$2498	$421
State Farm	$2636	$444
Safeway	$2696	$454
SafeAuto	$2739	$457
Encompass	$2800	$476
Allstate	$3334	$561
AAA	$3437	$584

Key Takeaways

Way's key takeaways about car insurance in Terrytown

The auto insurance costs in Terrytown fall around $706 for six months.
The cheapest auto insurance company in Terrytown is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Terrytown at $1736 per month.

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Cheapest Minimum Liability Car Insurance in Terrytown

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 Terrytown are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Terrytown. Their Average 6 Month Premium is $336. Safeway is the most expensive at $1051 for the same period.

Cheapest Liability Coverage in Terrytown, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$336	$57
Southern Farm Bureau	$560	$96
USAA	$706	$119
Progressive	$724	$122
State Farm	$758	$128
Farm Bureau	$870	$146
AAA	$896	$149
Allstate	$905	$152
SafeAuto	$982	$164
Safeway	$1051	$177

Cheapest Full Coverage Car Insurance in Terrytown

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 Terrytown is Louisiana Farm Bureau at $120 per month and $706 for six months.

Cheapest Full Coverage Car Insurance Quotes in Terrytown, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$706	$120
Southern Farm Bureau	$1602	$267
USAA	$2127	$358
Progressive	$2394	$403
Farm Bureau	$2498	$421
State Farm	$2636	$444
Safeway	$2696	$454
SafeAuto	$2739	$457
Encompass	$2800	$476
Allstate	$3334	$561
AAA	$3437	$584

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Average Car Insurance in Terrytown 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 Terrytown, LA increasing?

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

Car Insurance Premiums by Age in Terrytown

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	$1447
30s	USAA	$1175
40s	USAA	$1082
50s	USAA	$1034
60s	USAA	$1103
70s	USAA	$1131

Cheapest Car Insurance Rates for Teen Drivers in Terrytown,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 Terrytown at $91 per month. At $10207 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	$551	$91
State Farm	$4195	$706
USAA	$4479	$747
Safeway	$6847	$1164
Allstate	$7614	$1269
Progressive	$7907	$1331
Farm Bureau	$8958	$1494
AAA	$10207	$1736

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 Terrytown.

As young drivers face the highest rates in Terrytown, USAA offers the cheapest auto insurance rates at $1447 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 Terrytown, Louisiana Farm Bureau is the cheapest car insurance provider. At $603 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 Terrytown is State Farm, offering rates of around $13420 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$603	$103
Allstate	$2567	$428
Progressive	$2877	$484
USAA	$2920	$487
Safeway	$2929	$497
Farm Bureau	$5555	$927
AAA	$9750	$1657
State Farm	$13420	$2236

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Car Insurance Rates with An Accident in Terrytown

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

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

The cheapest car insurance companies after an at-fault accident in Terrytown include Louisiana Farm Bureau and State Farm, offering $439 and $1723, respectively. AAA is an expensive provider with an average six-month premium of $5504.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$439	$73
State Farm	$1723	$290
USAA	$1939	$326
Progressive	$2127	$358
Safeway	$2481	$418
Farm Bureau	$2687	$457
Allstate	$2730	$460
AAA	$5504	$935

Terrytown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Terrytown LA. For example, the car insurance in Terrytown after a DUI increases to $2050 for a six month policy. While the rate increases by $594 for a six-month policy in the case of a speeding ticket.

Terrytown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2377	$396
One Med/PIP claim	$2377	$405
Two Med/PIP claims	$2403	$400
Not-at-fault accident	$2411	$410
One comp claim	$2420	$403
Two comp claims	$2507	$426
Failure to wear a seat belt	$2800	$467
Failure to show documents	$2833	$481
Child safety restraint	$2877	$480
Driving without lights	$2877	$489
Driving with expired registration	$2929	$489
Driving too slowly	$2971	$505
Speeding 11 - 15 MPH over limit	$2971	$496
Speeding 16 - 20 MPH over limit	$2971	$505
Speeding 6 - 10 MPH over limit	$2971	$496
Speeding in school zone	$2971	$505
In 65 MPH zone	$2980	$497
Cell phone violation	$3006	$510
Texting while driving	$3006	$502
Wrong way/wrong lane	$3006	$510
At-fault accident - less than $1000	$3023	$503
Failure to stop at a red light	$3023	$515
Failure to yield	$3023	$503
Following too closely	$3023	$515
Illegal turn	$3023	$503
Improper passing	$3023	$515
Passing school bus	$3049	$508
Speeding 21 - 25 MPH over limit	$3049	$519
Open container	$3135	$522
Operating a vehicle without permission	$3351	$570
At-fault accident - $1000-$2000	$3437	$573
At-fault accident - greater than $2000	$3437	$584
Reckless driving	$4151	$692
Refusal to submit to a chemical test	$4221	$718
DUI	$4427	$738
Racing	$4462	$758
Leaving scene of an accident/hit and run	$4496	$750
Driving with a suspended license	$4514	$767

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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 Terrytown 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 Terrytown.

The cheapest car insurance premiums in Terrytown are offered by Louisiana Farm Bureau at $483 for a six-month policy. However, it can be as expensive as $5091 with companies like AAA.

Terrytown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$483	$80
Southern Farm Bureau	$1989	$338
Progressive	$2429	$409
Farm Bureau	$2687	$457
USAA	$3281	$552
Safeway	$3393	$571
State Farm	$3782	$637
Allstate	$4151	$699
AAA	$5091	$848

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 Terrytown are offered by Louisiana Farm Bureau at $396. However, it can be as expensive as $4781 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Terrytown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$396	$67
State Farm	$1775	$299
Progressive	$2145	$361
USAA	$2326	$396
Farm Bureau	$2687	$448
Safeway	$2988	$508
Allstate	$3342	$557
AAA	$4781	$813

Car Insurance Price Trends in Terrytown, Louisiana

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

The average cost of full coverage in the Terrytown rose by $539 in January compared to $441 of December. In other words, there has been an increase by $98 when you compare January and December.

The average cost of liability insurance in the Terrytown rose to $129 in January, compared to $123 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Terrytown?

The car insurance in Terrytown is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Terrytown?

The cheapest car insurance in Terrytown is $120 per month for full coverage.

How much is car insurance in Terrytown for teenagers?

Car insurance for teenagers costs $551 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 Terrytown?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $412 per month to insure your car in Terrytown.

Is car insurance expensive in Terrytown?

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

What is the best car insurance in Terrytown, LA?

The best car insurance company in Terrytown LA is Louisiana Farm Bureau, offering $706 for a six-month policy.