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Finding the cheapest car insurance quotes in Uncle Sam shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Uncle Sam
The car insurance rate in Uncle Sam is $1994 for a six-month policy, which is $304 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $575, making it a popular choice for budget-conscious drivers. Rates in Uncle Sam 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.
At $575 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 $1304 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $1731
for six months, making it
the third cheapest auto insurance company in Uncle Sam.
Uncle Sam Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Uncle Sam, LA is Louisiana Farm Bureau, offering policies at just $575 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1304.
At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2797 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Uncle Sam drivers find the best deals.
Way's key takeaways about car insurance in Uncle Sam
The auto insurance costs in Uncle Sam fall around $575 for six
months.
The cheapest auto insurance company in Uncle Sam is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Uncle Sam at $1412 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Uncle Sam
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 Uncle Sam are given below.
Louisiana Farm Bureau provides
the cheapest minimum car insurance
coverage in Uncle Sam. Their Average 6 Month Premium is $274.
Safeway is the most
expensive at $856 for the same
period.
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 Uncle Sam is Louisiana Farm Bureau
at $98 per month and $575
for six months.
Cheapest Full Coverage Car Insurance Quotes in Uncle Sam,
LA
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Instantly!
Average Car Insurance in Uncle Sam 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 Uncle Sam, LA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Uncle Sam, 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, Uncle Sam's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Uncle Sam
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
$1178
30s
USAA
$956
40s
USAA
$880
50s
USAA
$841
60s
USAA
$898
70s
USAA
$920
Cheapest Car Insurance Rates for Teen Drivers in
Uncle Sam,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 Uncle Sam at $74
per
month. At $8306 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Uncle Sam.
As young drivers face the highest rates in Uncle Sam, USAA
offers the cheapest auto insurance rates at $1178 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 Uncle Sam,
Louisiana Farm Bureau is
the cheapest car insurance provider. At $491 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
Uncle Sam is State Farm, offering
rates of around $10921 for six
months.
Save up to $971/yr on car insurance rates in Uncle Sam.
Car Insurance Rates with An Accident in Uncle Sam
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 Uncle Sam, LA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Uncle Sam
The cheapest car insurance companies after an at-fault accident in
Uncle Sam include Louisiana Farm Bureau
and State Farm, offering $358
and $1402,
respectively. AAA is an expensive provider
with an average six-month premium of
$4479.
Here is a list of driving violations that can increase your car
insurance rates in Uncle Sam LA. For example, the car
insurance in Uncle Sam
after a DUI increases to $1669 for a six
month policy. While the rate increases by $484 for a six-month policy in the case of
a speeding ticket.
Uncle Sam auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1934
$322
One Med/PIP claim
$1934
$329
Two Med/PIP claims
$1955
$326
Not-at-fault accident
$1962
$334
One comp claim
$1969
$328
Two comp claims
$2040
$347
Failure to wear a seat belt
$2279
$380
Failure to show documents
$2306
$392
Child safety restraint
$2341
$391
Driving without lights
$2341
$398
Driving with expired registration
$2384
$398
Driving too slowly
$2418
$411
Speeding 11 - 15 MPH over limit
$2418
$404
Speeding 16 - 20 MPH over limit
$2418
$411
Speeding 6 - 10 MPH over limit
$2418
$404
Speeding in school zone
$2418
$411
In 65 MPH zone
$2425
$405
Cell phone violation
$2446
$415
Texting while driving
$2446
$408
Wrong way/wrong lane
$2446
$415
At-fault accident - less than $1000
$2460
$409
Failure to stop at a red light
$2460
$419
Failure to yield
$2460
$409
Following too closely
$2460
$419
Illegal turn
$2460
$409
Improper passing
$2460
$419
Passing school bus
$2482
$413
Speeding 21 - 25 MPH over limit
$2482
$422
Open container
$2551
$425
Operating a vehicle without permission
$2727
$464
At-fault accident - $1000-$2000
$2797
$466
At-fault accident - greater than $2000
$2797
$476
Reckless driving
$3378
$563
Refusal to submit to a chemical test
$3435
$584
DUI
$3603
$601
Racing
$3631
$617
Leaving scene of an accident/hit and run
$3659
$610
Driving with a suspended license
$3673
$624
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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 Uncle Sam 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 Uncle Sam.
The cheapest car insurance premiums in
Uncle Sam are
offered by Louisiana Farm Bureau at $393 for a six-month policy.
However, it can be as
expensive as $4143 with companies
like AAA.
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 Uncle Sam are offered by Louisiana Farm Bureau
at $322. However,
it can be as expensive as $3890
with companies like AAA for a similar
six-month premium.
Cheapest Car Insurance in Uncle Sam after Speeding ticket
Car Insurance Price Trends in Uncle Sam,
Louisiana
Car insurance rates in Uncle Sam have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Uncle Sam rose by
$439 in January
compared to $359 of December. In other words, there has been an increase by $80 when you
compare January and December.
The average cost of liability insurance in the Uncle Sam rose to $105 in January,
compared to $100 in December.
This represents an increase of $5
when comparing January and December.
Average Car Insurance Cost in Uncle Sam by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Uncle Sam. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Uncle Sam?
The car insurance in Uncle Sam is $46 per month, which is lower than the national average.
What is the cheapest car insurance in Uncle Sam?
The cheapest car insurance in Uncle Sam
is $98 per month
for full coverage.
How much is car insurance in Uncle Sam for teenagers?
Car insurance for teenagers costs $448 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
Uncle Sam?
The average cost of car insurance is $1690 for a six-month
policy. It will cost around $335 per month to insure your
car in Uncle Sam.
Is car insurance expensive in Uncle Sam?
Car insurance can be expensive in Uncle Sam if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Uncle Sam can be
affordable.
What is the best car insurance in Uncle Sam,
LA?
The best car insurance company in Uncle Sam
LA is
Louisiana Farm Bureau, offering $575 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Uncle Sam, LA
Car Insurance Rates by State in the USA (2025 Update)
Uncle Sam Car Insurance
