Cheapest Car Insurance Quotes in Varnado

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406,175 Policies Sold

Varnado Car Insurance

^$ 43

/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 Varnado

The car insurance rate in Varnado is $1876 for a six-month policy, which is $186 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $541, making it a popular choice for budget-conscious drivers. Rates in Varnado 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 Varnado

$1876

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Varnado

1st place: Louisiana Farm Bureau

At $541 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 $1227 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1628 for six months, making it the third cheapest auto insurance company in Varnado.

Varnado Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Varnado, LA is Louisiana Farm Bureau, offering policies at just $541 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1227.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2631 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Varnado drivers find the best deals.

Cheap Car Insurance Companies in Varnado, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$541	$92
Southern Farm Bureau	$1227	$204
USAA	$1628	$274
Progressive	$1833	$309
Farm Bureau	$1913	$322
State Farm	$2018	$340
Safeway	$2063	$347
SafeAuto	$2097	$350
Encompass	$2143	$364
Allstate	$2552	$430
AAA	$2631	$447

Key Takeaways

Way's key takeaways about car insurance in Varnado

The auto insurance costs in Varnado fall around $541 for six months.
The cheapest auto insurance company in Varnado is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Varnado at $1329 per month.

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Cheapest Minimum Liability Car Insurance in Varnado

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 Varnado are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Varnado. Their Average 6 Month Premium is $258. Safeway is the most expensive at $805 for the same period.

Cheapest Liability Coverage in Varnado, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$258	$43
Southern Farm Bureau	$428	$73
USAA	$541	$91
Progressive	$554	$93
State Farm	$581	$98
Farm Bureau	$666	$112
AAA	$686	$114
Allstate	$693	$117
SafeAuto	$751	$125
Safeway	$805	$135

Cheapest Full Coverage Car Insurance in Varnado

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 Varnado is Louisiana Farm Bureau at $92 per month and $541 for six months.

Cheapest Full Coverage Car Insurance Quotes in Varnado, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$541	$92
Southern Farm Bureau	$1227	$204
USAA	$1628	$274
Progressive	$1833	$309
Farm Bureau	$1913	$322
State Farm	$2018	$340
Safeway	$2063	$347
SafeAuto	$2097	$350
Encompass	$2143	$364
Allstate	$2552	$430
AAA	$2631	$447

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Average Car Insurance in Varnado 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 Varnado, LA increasing?

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

Car Insurance Premiums by Age in Varnado

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	$1108
30s	USAA	$899
40s	USAA	$828
50s	USAA	$791
60s	USAA	$845
70s	USAA	$866

Cheapest Car Insurance Rates for Teen Drivers in Varnado,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 Varnado at $70 per month. At $7813 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	$422	$70
State Farm	$3211	$541
USAA	$3429	$572
Safeway	$5241	$891
Allstate	$5829	$971
Progressive	$6053	$1019
Farm Bureau	$6858	$1143
AAA	$7813	$1329

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 Varnado.

As young drivers face the highest rates in Varnado, USAA offers the cheapest auto insurance rates at $1108 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 Varnado, Louisiana Farm Bureau is the cheapest car insurance provider. At $462 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 Varnado is State Farm, offering rates of around $10273 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$462	$79
Allstate	$1965	$327
Progressive	$2202	$371
USAA	$2236	$373
Safeway	$2242	$381
Farm Bureau	$4252	$709
AAA	$7464	$1269
State Farm	$10273	$1712

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Car Insurance Rates with An Accident in Varnado

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

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

The cheapest car insurance companies after an at-fault accident in Varnado include Louisiana Farm Bureau and State Farm, offering $336 and $1319, respectively. AAA is an expensive provider with an average six-month premium of $4214.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$336	$56
State Farm	$1319	$222
USAA	$1484	$250
Progressive	$1628	$274
Safeway	$1899	$320
Farm Bureau	$2057	$350
Allstate	$2090	$352
AAA	$4214	$716

Varnado Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Varnado LA. For example, the car insurance in Varnado after a DUI increases to $1570 for a six month policy. While the rate increases by $455 for a six-month policy in the case of a speeding ticket.

Varnado auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1819	$303
One Med/PIP claim	$1819	$310
Two Med/PIP claims	$1839	$306
Not-at-fault accident	$1846	$314
One comp claim	$1853	$309
Two comp claims	$1919	$326
Failure to wear a seat belt	$2143	$357
Failure to show documents	$2169	$369
Child safety restraint	$2202	$367
Driving without lights	$2202	$374
Driving with expired registration	$2242	$374
Driving too slowly	$2274	$386
Speeding 11 - 15 MPH over limit	$2274	$380
Speeding 16 - 20 MPH over limit	$2274	$386
Speeding 6 - 10 MPH over limit	$2274	$380
Speeding in school zone	$2274	$386
In 65 MPH zone	$2281	$381
Cell phone violation	$2301	$391
Texting while driving	$2301	$384
Wrong way/wrong lane	$2301	$391
At-fault accident - less than $1000	$2314	$385
Failure to stop at a red light	$2314	$394
Failure to yield	$2314	$385
Following too closely	$2314	$394
Illegal turn	$2314	$385
Improper passing	$2314	$394
Passing school bus	$2334	$389
Speeding 21 - 25 MPH over limit	$2334	$397
Open container	$2400	$400
Operating a vehicle without permission	$2565	$436
At-fault accident - $1000-$2000	$2631	$438
At-fault accident - greater than $2000	$2631	$447
Reckless driving	$3178	$529
Refusal to submit to a chemical test	$3231	$549
DUI	$3389	$565
Racing	$3415	$581
Leaving scene of an accident/hit and run	$3442	$574
Driving with a suspended license	$3455	$587

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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 Varnado 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 Varnado.

The cheapest car insurance premiums in Varnado are offered by Louisiana Farm Bureau at $370 for a six-month policy. However, it can be as expensive as $3897 with companies like AAA.

Varnado car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$370	$61
Southern Farm Bureau	$1523	$259
Progressive	$1859	$313
Farm Bureau	$2057	$350
USAA	$2512	$423
Safeway	$2597	$437
State Farm	$2895	$487
Allstate	$3178	$535
AAA	$3897	$649

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 Varnado are offered by Louisiana Farm Bureau at $303. However, it can be as expensive as $3660 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Varnado after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$303	$51
State Farm	$1359	$229
Progressive	$1642	$276
USAA	$1780	$303
Farm Bureau	$2057	$343
Safeway	$2288	$389
Allstate	$2559	$426
AAA	$3660	$623

Car Insurance Price Trends in Varnado, Louisiana

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

The average cost of full coverage in the Varnado rose by $413 in January compared to $337 of December. In other words, there has been an increase by $76 when you compare January and December.

The average cost of liability insurance in the Varnado rose to $99 in January, compared to $94 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Varnado?

The car insurance in Varnado is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Varnado?

The cheapest car insurance in Varnado is $92 per month for full coverage.

How much is car insurance in Varnado for teenagers?

Car insurance for teenagers costs $422 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 Varnado?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $315 per month to insure your car in Varnado.

Is car insurance expensive in Varnado?

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

What is the best car insurance in Varnado, LA?

The best car insurance company in Varnado LA is Louisiana Farm Bureau, offering $541 for a six-month policy.