Cheapest Car Insurance Quotes in West Monroe

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West Monroe Car Insurance

^$ 39

/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 West Monroe

The car insurance rate in West Monroe is $1492 for a six-month policy, which is $15 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $482, making it a popular choice for budget-conscious drivers. Rates in West Monroe 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 West Monroe

$1492

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in West Monroe

1st place: Louisiana Farm Bureau

At $482 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 $1052 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 $1094 for six months, making it the third cheapest auto insurance company in West Monroe.

West Monroe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Monroe, LA is Louisiana Farm Bureau, offering policies at just $482 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1052.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2129 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Monroe drivers find the best deals.

Cheap Car Insurance Companies in West Monroe, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$482	$80
Farm Bureau	$1052	$177
Southern Farm Bureau	$1094	$182
USAA	$1423	$240
Progressive	$1564	$263
State Farm	$1658	$279
Safeway	$1740	$293
SafeAuto	$1870	$318
Encompass	$1912	$319
Allstate	$2129	$358

Key Takeaways

Way's key takeaways about car insurance in West Monroe

The auto insurance costs in West Monroe fall around $482 for six months.
The cheapest auto insurance company in West Monroe is Louisiana Farm Bureau.
Teen drivers pay the highest rate in West Monroe at $124 per month.

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Cheapest Minimum Liability Car Insurance in West Monroe

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 West Monroe are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in West Monroe. Their Average 6 Month Premium is $230. AAA is the most expensive at $476 for the same period.

Cheapest Liability Coverage in West Monroe, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$230	$39
Farm Bureau	$358	$60
Southern Farm Bureau	$382	$63
State Farm	$470	$79
USAA	$470	$79
Progressive	$494	$83
Allstate	$641	$108
SafeAuto	$670	$114
Safeway	$706	$119
AAA	$476	$79

Cheapest Full Coverage Car Insurance in West Monroe

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 West Monroe is Louisiana Farm Bureau at $80 per month and $482 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Monroe, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$482	$80
Farm Bureau	$1052	$177
Southern Farm Bureau	$1094	$182
USAA	$1423	$240
Progressive	$1564	$263
State Farm	$1658	$279
Safeway	$1740	$293
SafeAuto	$1870	$318
Encompass	$1912	$319
Allstate	$2129	$358

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Average Car Insurance in West Monroe 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 West Monroe, LA increasing?

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

Car Insurance Premiums by Age in West Monroe

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	$988
30s	USAA	$802
40s	USAA	$739
50s	USAA	$706
60s	USAA	$753
70s	USAA	$772

Cheapest Car Insurance Rates for Teen Drivers in West Monroe,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 West Monroe at $62 per month. At $730 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	$376	$62
Farm Bureau	$1652	$281
State Farm	$2123	$357
USAA	$2694	$458
Safeway	$4099	$683
Allstate	$4405	$748
Progressive	$4657	$784
AAA	$730	$124

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 West Monroe.

As young drivers face the highest rates in West Monroe, USAA offers the cheapest auto insurance rates at $988 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 West Monroe, Louisiana Farm Bureau is the cheapest car insurance provider. At $412 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 West Monroe is State Farm, offering rates of around $6427 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$412	$70
Allstate	$1458	$244
Farm Bureau	$1523	$259
Safeway	$1700	$283
Progressive	$1717	$289
USAA	$1782	$297
State Farm	$6427	$1093

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Car Insurance Rates with An Accident in West Monroe

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

Cheapest Car Insurance Companies after an At-Fault Accident in West Monroe

The cheapest car insurance companies after an at-fault accident in West Monroe include Louisiana Farm Bureau and State Farm, offering $300 and $894, respectively. Allstate is an expensive provider with an average six-month premium of $1652.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$300	$50
State Farm	$894	$150
Farm Bureau	$1088	$181
USAA	$1224	$206
Progressive	$1312	$221
Safeway	$1506	$253
Allstate	$1652	$278

West Monroe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Monroe LA. For example, the car insurance in West Monroe after a DUI increases to $1399 for a six month policy. While the rate increases by $406 for a six-month policy in the case of a speeding ticket.

West Monroe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1623	$270
One Med/PIP claim	$1623	$276
Two Med/PIP claims	$1640	$273
Not-at-fault accident	$1646	$280
One comp claim	$1652	$275
Two comp claims	$1712	$291
Failure to wear a seat belt	$1912	$319
Failure to show documents	$1934	$329
Child safety restraint	$1964	$328
Driving without lights	$1964	$334
Driving with expired registration	$2000	$334
Driving too slowly	$2029	$345
Speeding 11 - 15 MPH over limit	$2029	$339
Speeding 16 - 20 MPH over limit	$2029	$345
Speeding 6 - 10 MPH over limit	$2029	$339
Speeding in school zone	$2029	$345
In 65 MPH zone	$2034	$340
Cell phone violation	$2052	$348
Texting while driving	$2052	$343
Wrong way/wrong lane	$2052	$348
At-fault accident - less than $1000	$2064	$344
Failure to stop at a red light	$2064	$351
Failure to yield	$2064	$344
Following too closely	$2064	$351
Illegal turn	$2064	$344
Improper passing	$2064	$351
Passing school bus	$2082	$347
Speeding 21 - 25 MPH over limit	$2082	$354
Open container	$2140	$356
Operating a vehicle without permission	$2288	$389
At-fault accident - $1000-$2000	$2346	$391
At-fault accident - greater than $2000	$2346	$399
Reckless driving	$2834	$472
Refusal to submit to a chemical test	$2882	$490
DUI	$3022	$504
Racing	$3046	$518
Leaving scene of an accident/hit and run	$3070	$512
Driving with a suspended license	$3082	$524

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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 West Monroe 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 West Monroe.

The cheapest car insurance premiums in West Monroe are offered by Louisiana Farm Bureau at $330 for a six-month policy. However, it can be as expensive as $800 with companies like AAA.

West Monroe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$330	$56
Farm Bureau	$1129	$188
Southern Farm Bureau	$1358	$231
Progressive	$1546	$260
USAA	$2106	$354
Safeway	$2111	$355
State Farm	$2170	$365
Allstate	$2634	$444
AAA	$800	$136

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 West Monroe are offered by Louisiana Farm Bureau at $270. However, it can be as expensive as $1888 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in West Monroe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$270	$46
State Farm	$918	$154
Farm Bureau	$964	$164
Progressive	$1282	$216
USAA	$1412	$240
Safeway	$1740	$290
Allstate	$1888	$321

Car Insurance Price Trends in West Monroe, Louisiana

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

The average cost of full coverage in the West Monroe rose by $300 in December compared to $296 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the West Monroe rose to $82 in December, compared to $75 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in West Monroe?

The car insurance in West Monroe is $39 per month, which is lower than the national average.

What is the cheapest car insurance in West Monroe?

The cheapest car insurance in West Monroe is $80 per month for full coverage.

How much is car insurance in West Monroe for teenagers?

Car insurance for teenagers costs $376 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 West Monroe?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $250 per month to insure your car in West Monroe.

Is car insurance expensive in West Monroe?

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

What is the best car insurance in West Monroe, LA?

The best car insurance company in West Monroe LA is Louisiana Farm Bureau, offering $482 for a six-month policy.