Cheapest Car Insurance Quotes in Zachary

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Zachary Car Insurance

^$ 45

/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 Zachary

The car insurance rate in Zachary is $1748 for a six-month policy, which is $241 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $565, making it a popular choice for budget-conscious drivers. Rates in Zachary 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 Zachary

$1748

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Zachary

1st place: Louisiana Farm Bureau

At $565 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 $1233 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 $1282 for six months, making it the third cheapest auto insurance company in Zachary.

Zachary Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Zachary, LA is Louisiana Farm Bureau, offering policies at just $565 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1233.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2494 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Zachary drivers find the best deals.

Cheap Car Insurance Companies in Zachary, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$565	$94
Farm Bureau	$1233	$208
Southern Farm Bureau	$1282	$213
USAA	$1667	$281
Progressive	$1833	$309
State Farm	$1943	$327
Safeway	$2039	$343
SafeAuto	$2191	$372
Encompass	$2240	$374
Allstate	$2494	$420

Key Takeaways

Way's key takeaways about car insurance in Zachary

The auto insurance costs in Zachary fall around $565 for six months.
The cheapest auto insurance company in Zachary is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Zachary at $145 per month.

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Cheapest Minimum Liability Car Insurance in Zachary

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 Zachary are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Zachary. Their Average 6 Month Premium is $269. AAA is the most expensive at $558 for the same period.

Cheapest Liability Coverage in Zachary, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$269	$45
Farm Bureau	$420	$71
Southern Farm Bureau	$448	$74
State Farm	$551	$93
USAA	$551	$93
Progressive	$579	$97
Allstate	$751	$126
SafeAuto	$785	$133
Safeway	$827	$139
AAA	$558	$93

Cheapest Full Coverage Car Insurance in Zachary

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 Zachary is Louisiana Farm Bureau at $94 per month and $565 for six months.

Cheapest Full Coverage Car Insurance Quotes in Zachary, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$565	$94
Farm Bureau	$1233	$208
Southern Farm Bureau	$1282	$213
USAA	$1667	$281
Progressive	$1833	$309
State Farm	$1943	$327
Safeway	$2039	$343
SafeAuto	$2191	$372
Encompass	$2240	$374
Allstate	$2494	$420

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Average Car Insurance in Zachary 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 Zachary, LA increasing?

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

Car Insurance Premiums by Age in Zachary

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	$1158
30s	USAA	$940
40s	USAA	$865
50s	USAA	$827
60s	USAA	$883
70s	USAA	$905

Cheapest Car Insurance Rates for Teen Drivers in Zachary,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 Zachary at $73 per month. At $855 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	$441	$73
Farm Bureau	$1936	$329
State Farm	$2487	$419
USAA	$3156	$537
Safeway	$4802	$800
Allstate	$5161	$877
Progressive	$5457	$919
AAA	$855	$145

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 Zachary.

As young drivers face the highest rates in Zachary, USAA offers the cheapest auto insurance rates at $1158 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 Zachary, Louisiana Farm Bureau is the cheapest car insurance provider. At $483 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 Zachary is State Farm, offering rates of around $7531 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$483	$82
Allstate	$1709	$285
Farm Bureau	$1784	$304
Safeway	$1992	$332
Progressive	$2011	$339
USAA	$2088	$348
State Farm	$7531	$1281

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Car Insurance Rates with An Accident in Zachary

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

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

The cheapest car insurance companies after an at-fault accident in Zachary include Louisiana Farm Bureau and State Farm, offering $351 and $1047, respectively. Allstate is an expensive provider with an average six-month premium of $1936.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$351	$58
State Farm	$1047	$176
Farm Bureau	$1275	$212
USAA	$1434	$241
Progressive	$1537	$259
Safeway	$1764	$297
Allstate	$1936	$326

Zachary Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Zachary LA. For example, the car insurance in Zachary after a DUI increases to $1640 for a six month policy. While the rate increases by $476 for a six-month policy in the case of a speeding ticket.

Zachary auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1901	$317
One Med/PIP claim	$1901	$324
Two Med/PIP claims	$1922	$320
Not-at-fault accident	$1929	$328
One comp claim	$1936	$322
Two comp claims	$2006	$341
Failure to wear a seat belt	$2240	$374
Failure to show documents	$2267	$385
Child safety restraint	$2301	$384
Driving without lights	$2301	$391
Driving with expired registration	$2343	$391
Driving too slowly	$2377	$404
Speeding 11 - 15 MPH over limit	$2377	$397
Speeding 16 - 20 MPH over limit	$2377	$404
Speeding 6 - 10 MPH over limit	$2377	$397
Speeding in school zone	$2377	$404
In 65 MPH zone	$2384	$398
Cell phone violation	$2405	$408
Texting while driving	$2405	$401
Wrong way/wrong lane	$2405	$408
At-fault accident - less than $1000	$2419	$403
Failure to stop at a red light	$2419	$412
Failure to yield	$2419	$403
Following too closely	$2419	$412
Illegal turn	$2419	$403
Improper passing	$2419	$412
Passing school bus	$2439	$406
Speeding 21 - 25 MPH over limit	$2439	$415
Open container	$2508	$418
Operating a vehicle without permission	$2681	$456
At-fault accident - $1000-$2000	$2749	$458
At-fault accident - greater than $2000	$2749	$467
Reckless driving	$3321	$553
Refusal to submit to a chemical test	$3377	$574
DUI	$3541	$590
Racing	$3569	$607
Leaving scene of an accident/hit and run	$3597	$600
Driving with a suspended license	$3611	$614

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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 Zachary 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 Zachary.

The cheapest car insurance premiums in Zachary are offered by Louisiana Farm Bureau at $386 for a six-month policy. However, it can be as expensive as $937 with companies like AAA.

Zachary car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$386	$66
Farm Bureau	$1322	$220
Southern Farm Bureau	$1592	$270
Progressive	$1812	$305
USAA	$2467	$415
Safeway	$2473	$416
State Farm	$2543	$428
Allstate	$3087	$520
AAA	$937	$159

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 Zachary are offered by Louisiana Farm Bureau at $317. However, it can be as expensive as $2212 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Zachary after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$317	$53
State Farm	$1075	$181
Farm Bureau	$1130	$193
Progressive	$1502	$253
USAA	$1654	$281
Safeway	$2039	$340
Allstate	$2212	$376

Car Insurance Price Trends in Zachary, Louisiana

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

The average cost of full coverage in the Zachary rose by $351 in December compared to $347 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 Zachary rose to $96 in December, compared to $88 in November. This represents an increase of $8 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Zachary?

The car insurance in Zachary is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Zachary?

The cheapest car insurance in Zachary is $94 per month for full coverage.

How much is car insurance in Zachary for teenagers?

Car insurance for teenagers costs $441 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 Zachary?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $293 per month to insure your car in Zachary.

Is car insurance expensive in Zachary?

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

What is the best car insurance in Zachary, LA?

The best car insurance company in Zachary LA is Louisiana Farm Bureau, offering $565 for a six-month policy.