Cheapest Car Insurance Quotes in Waggaman

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Waggaman Car Insurance

^$ 52

/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 Waggaman

The car insurance rate in Waggaman is $2019 for a six-month policy, which is $512 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $653, making it a popular choice for budget-conscious drivers. Rates in Waggaman 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 Waggaman

$2019

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Waggaman

1st place: Louisiana Farm Bureau

At $653 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 $1424 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 $1481 for six months, making it the third cheapest auto insurance company in Waggaman.

Waggaman Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Waggaman, LA is Louisiana Farm Bureau, offering policies at just $653 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1424.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2881 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waggaman drivers find the best deals.

Cheap Car Insurance Companies in Waggaman, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$653	$109
Farm Bureau	$1424	$240
Southern Farm Bureau	$1481	$247
USAA	$1926	$324
Progressive	$2117	$356
State Farm	$2245	$378
Safeway	$2356	$397
SafeAuto	$2531	$430
Encompass	$2588	$431
Allstate	$2881	$485

Key Takeaways

Way's key takeaways about car insurance in Waggaman

The auto insurance costs in Waggaman fall around $653 for six months.
The cheapest auto insurance company in Waggaman is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Waggaman at $168 per month.

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Cheapest Minimum Liability Car Insurance in Waggaman

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 Waggaman are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Waggaman. Their Average 6 Month Premium is $311. AAA is the most expensive at $645 for the same period.

Cheapest Liability Coverage in Waggaman, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$311	$52
Farm Bureau	$485	$82
Southern Farm Bureau	$517	$86
State Farm	$637	$107
USAA	$637	$107
Progressive	$669	$113
Allstate	$867	$146
SafeAuto	$907	$154
Safeway	$955	$161
AAA	$645	$107

Cheapest Full Coverage Car Insurance in Waggaman

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 Waggaman is Louisiana Farm Bureau at $109 per month and $653 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waggaman, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$653	$109
Farm Bureau	$1424	$240
Southern Farm Bureau	$1481	$247
USAA	$1926	$324
Progressive	$2117	$356
State Farm	$2245	$378
Safeway	$2356	$397
SafeAuto	$2531	$430
Encompass	$2588	$431
Allstate	$2881	$485

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Average Car Insurance in Waggaman 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 Waggaman, LA increasing?

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

Car Insurance Premiums by Age in Waggaman

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	$1337
30s	USAA	$1085
40s	USAA	$1000
50s	USAA	$955
60s	USAA	$1020
70s	USAA	$1045

Cheapest Car Insurance Rates for Teen Drivers in Waggaman,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 Waggaman at $84 per month. At $988 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	$509	$84
Farm Bureau	$2236	$381
State Farm	$2873	$484
USAA	$3646	$620
Safeway	$5548	$925
Allstate	$5962	$1013
Progressive	$6303	$1061
AAA	$988	$168

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 Waggaman.

As young drivers face the highest rates in Waggaman, USAA offers the cheapest auto insurance rates at $1337 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 Waggaman, Louisiana Farm Bureau is the cheapest car insurance provider. At $557 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 Waggaman is State Farm, offering rates of around $8699 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$557	$95
Allstate	$1974	$330
Farm Bureau	$2061	$351
Safeway	$2301	$383
Progressive	$2324	$391
USAA	$2412	$402
State Farm	$8699	$1479

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Car Insurance Rates with An Accident in Waggaman

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

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

The cheapest car insurance companies after an at-fault accident in Waggaman include Louisiana Farm Bureau and State Farm, offering $406 and $1210, respectively. Allstate is an expensive provider with an average six-month premium of $2236.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$406	$67
State Farm	$1210	$204
Farm Bureau	$1473	$245
USAA	$1656	$279
Progressive	$1776	$299
Safeway	$2038	$343
Allstate	$2236	$377

Waggaman Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Waggaman LA. For example, the car insurance in Waggaman after a DUI increases to $1895 for a six month policy. While the rate increases by $550 for a six-month policy in the case of a speeding ticket.

Waggaman auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2196	$366
One Med/PIP claim	$2196	$374
Two Med/PIP claims	$2220	$370
Not-at-fault accident	$2228	$379
One comp claim	$2236	$373
Two comp claims	$2317	$394
Failure to wear a seat belt	$2588	$431
Failure to show documents	$2618	$445
Child safety restraint	$2659	$444
Driving without lights	$2659	$452
Driving with expired registration	$2707	$452
Driving too slowly	$2746	$466
Speeding 11 - 15 MPH over limit	$2746	$458
Speeding 16 - 20 MPH over limit	$2746	$466
Speeding 6 - 10 MPH over limit	$2746	$458
Speeding in school zone	$2746	$466
In 65 MPH zone	$2754	$460
Cell phone violation	$2778	$472
Texting while driving	$2778	$464
Wrong way/wrong lane	$2778	$472
At-fault accident - less than $1000	$2794	$465
Failure to stop at a red light	$2794	$476
Failure to yield	$2794	$465
Following too closely	$2794	$476
Illegal turn	$2794	$465
Improper passing	$2794	$476
Passing school bus	$2818	$469
Speeding 21 - 25 MPH over limit	$2818	$480
Open container	$2897	$482
Operating a vehicle without permission	$3097	$527
At-fault accident - $1000-$2000	$3176	$529
At-fault accident - greater than $2000	$3176	$540
Reckless driving	$3836	$639
Refusal to submit to a chemical test	$3901	$663
DUI	$4091	$682
Racing	$4123	$701
Leaving scene of an accident/hit and run	$4155	$693
Driving with a suspended license	$4171	$709

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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 Waggaman 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 Waggaman.

The cheapest car insurance premiums in Waggaman are offered by Louisiana Farm Bureau at $446 for a six-month policy. However, it can be as expensive as $1083 with companies like AAA.

Waggaman car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$446	$76
Farm Bureau	$1528	$255
Southern Farm Bureau	$1838	$312
Progressive	$2093	$352
USAA	$2850	$480
Safeway	$2857	$481
State Farm	$2937	$494
Allstate	$3566	$600
AAA	$1083	$184

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 Waggaman are offered by Louisiana Farm Bureau at $366. However, it can be as expensive as $2555 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Waggaman after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$366	$62
State Farm	$1242	$209
Farm Bureau	$1305	$222
Progressive	$1735	$292
USAA	$1911	$324
Safeway	$2356	$393
Allstate	$2555	$434

Car Insurance Price Trends in Waggaman, Louisiana

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

The average cost of full coverage in the Waggaman rose by $406 in December compared to $401 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Waggaman rose to $111 in December, compared to $102 in November. This represents an increase of $9 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Waggaman?

The car insurance in Waggaman is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Waggaman?

The cheapest car insurance in Waggaman is $109 per month for full coverage.

How much is car insurance in Waggaman for teenagers?

Car insurance for teenagers costs $509 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 Waggaman?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $339 per month to insure your car in Waggaman.

Is car insurance expensive in Waggaman?

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

What is the best car insurance in Waggaman, LA?

The best car insurance company in Waggaman LA is Louisiana Farm Bureau, offering $653 for a six-month policy.