Cheapest Car Insurance Quotes in Timberlane

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Timberlane Car Insurance

^$ 56

/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 Timberlane

The car insurance rate in Timberlane is $2434 for a six-month policy, which is $744 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $701, making it a popular choice for budget-conscious drivers. Rates in Timberlane 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 Timberlane

$2434

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Timberlane

1st place: Louisiana Farm Bureau

At $701 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 $1591 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $2112 for six months, making it the third cheapest auto insurance company in Timberlane.

Timberlane Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Timberlane, LA is Louisiana Farm Bureau, offering policies at just $701 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1591.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $3413 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Timberlane drivers find the best deals.

Cheap Car Insurance Companies in Timberlane, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$701	$120
Southern Farm Bureau	$1591	$265
USAA	$2112	$356
Progressive	$2377	$400
Farm Bureau	$2481	$418
State Farm	$2618	$441
Safeway	$2677	$451
SafeAuto	$2720	$454
Encompass	$2781	$472
Allstate	$3311	$557
AAA	$3413	$580

Key Takeaways

Way's key takeaways about car insurance in Timberlane

The auto insurance costs in Timberlane fall around $701 for six months.
The cheapest auto insurance company in Timberlane is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Timberlane at $1724 per month.

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Cheapest Minimum Liability Car Insurance in Timberlane

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 Timberlane are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Timberlane. Their Average 6 Month Premium is $334. Safeway is the most expensive at $1044 for the same period.

Cheapest Liability Coverage in Timberlane, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$334	$56
Southern Farm Bureau	$556	$95
USAA	$701	$118
Progressive	$719	$121
State Farm	$753	$127
Farm Bureau	$864	$145
AAA	$890	$148
Allstate	$899	$151
SafeAuto	$975	$163
Safeway	$1044	$176

Cheapest Full Coverage Car Insurance in Timberlane

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 Timberlane is Louisiana Farm Bureau at $120 per month and $701 for six months.

Cheapest Full Coverage Car Insurance Quotes in Timberlane, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$701	$120
Southern Farm Bureau	$1591	$265
USAA	$2112	$356
Progressive	$2377	$400
Farm Bureau	$2481	$418
State Farm	$2618	$441
Safeway	$2677	$451
SafeAuto	$2720	$454
Encompass	$2781	$472
Allstate	$3311	$557
AAA	$3413	$580

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Average Car Insurance in Timberlane 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 Timberlane, LA increasing?

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

Car Insurance Premiums by Age in Timberlane

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	$1437
30s	USAA	$1166
40s	USAA	$1074
50s	USAA	$1027
60s	USAA	$1096
70s	USAA	$1123

Cheapest Car Insurance Rates for Teen Drivers in Timberlane,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 Timberlane at $91 per month. At $10136 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	$547	$91
State Farm	$4166	$701
USAA	$4448	$742
Safeway	$6800	$1156
Allstate	$7561	$1260
Progressive	$7852	$1322
Farm Bureau	$8896	$1483
AAA	$10136	$1724

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 Timberlane.

As young drivers face the highest rates in Timberlane, USAA offers the cheapest auto insurance rates at $1437 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 Timberlane, Louisiana Farm Bureau is the cheapest car insurance provider. At $599 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 Timberlane is State Farm, offering rates of around $13327 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$599	$102
Allstate	$2549	$425
Progressive	$2857	$481
USAA	$2900	$484
Safeway	$2909	$494
Farm Bureau	$5517	$920
AAA	$9683	$1646
State Farm	$13327	$2220

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Car Insurance Rates with An Accident in Timberlane

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

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

The cheapest car insurance companies after an at-fault accident in Timberlane include Louisiana Farm Bureau and State Farm, offering $436 and $1711, respectively. AAA is an expensive provider with an average six-month premium of $5466.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$436	$72
State Farm	$1711	$288
USAA	$1925	$324
Progressive	$2112	$356
Safeway	$2464	$415
Farm Bureau	$2668	$454
Allstate	$2712	$456
AAA	$5466	$929

Timberlane Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Timberlane LA. For example, the car insurance in Timberlane after a DUI increases to $2036 for a six month policy. While the rate increases by $591 for a six-month policy in the case of a speeding ticket.

Timberlane auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2360	$393
One Med/PIP claim	$2360	$402
Two Med/PIP claims	$2386	$397
Not-at-fault accident	$2395	$408
One comp claim	$2403	$400
Two comp claims	$2490	$423
Failure to wear a seat belt	$2781	$464
Failure to show documents	$2814	$478
Child safety restraint	$2857	$477
Driving without lights	$2857	$485
Driving with expired registration	$2909	$485
Driving too slowly	$2951	$501
Speeding 11 - 15 MPH over limit	$2951	$492
Speeding 16 - 20 MPH over limit	$2951	$501
Speeding 6 - 10 MPH over limit	$2951	$492
Speeding in school zone	$2951	$501
In 65 MPH zone	$2959	$494
Cell phone violation	$2985	$507
Texting while driving	$2985	$498
Wrong way/wrong lane	$2985	$507
At-fault accident - less than $1000	$3002	$500
Failure to stop at a red light	$3002	$511
Failure to yield	$3002	$500
Following too closely	$3002	$511
Illegal turn	$3002	$500
Improper passing	$3002	$511
Passing school bus	$3028	$504
Speeding 21 - 25 MPH over limit	$3028	$516
Open container	$3113	$518
Operating a vehicle without permission	$3328	$566
At-fault accident - $1000-$2000	$3413	$569
At-fault accident - greater than $2000	$3413	$580
Reckless driving	$4123	$687
Refusal to submit to a chemical test	$4192	$713
DUI	$4396	$733
Racing	$4431	$753
Leaving scene of an accident/hit and run	$4465	$744
Driving with a suspended license	$4483	$762

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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 Timberlane 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 Timberlane.

The cheapest car insurance premiums in Timberlane are offered by Louisiana Farm Bureau at $480 for a six-month policy. However, it can be as expensive as $5056 with companies like AAA.

Timberlane car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$480	$79
Southern Farm Bureau	$1976	$336
Progressive	$2412	$406
Farm Bureau	$2668	$454
USAA	$3259	$549
Safeway	$3370	$567
State Farm	$3756	$632
Allstate	$4123	$694
AAA	$5056	$842

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 Timberlane are offered by Louisiana Farm Bureau at $393. However, it can be as expensive as $4748 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Timberlane after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$393	$66
State Farm	$1763	$297
Progressive	$2130	$359
USAA	$2310	$393
Farm Bureau	$2668	$445
Safeway	$2968	$504
Allstate	$3319	$553
AAA	$4748	$808

Car Insurance Price Trends in Timberlane, Louisiana

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

The average cost of full coverage in the Timberlane rose by $536 in January compared to $438 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 Timberlane rose to $128 in January, compared to $122 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 Timberlane?

The car insurance in Timberlane is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Timberlane?

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

How much is car insurance in Timberlane for teenagers?

Car insurance for teenagers costs $547 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 Timberlane?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $409 per month to insure your car in Timberlane.

Is car insurance expensive in Timberlane?

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

What is the best car insurance in Timberlane, LA?

The best car insurance company in Timberlane LA is Louisiana Farm Bureau, offering $701 for a six-month policy.