Cheap Auto Insurance Quotes for Teenagers in Louisiana

The words “low-priced” and “auto insurance” probably shouldn’t be used in the same sentence, specifically when you are searching for the cheapest coverage for teenagers. Because of the high cost, let’s open your eyes to some of the things that impact auto insurance rates, and see if you can reduce the price of the next policy you buy.

The vehicle you are seeking coverage for is a large factor when trying to find cheap car insurance for teenagers in Louisiana. Vehicles with lower performance, an excellent safety record, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models. The data below presents auto insurance rates for a selection of the most budget-friendly automobiles to insure in Louisiana.

Data variables include single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in garaging location in Louisiana which can raise or lower premiums considerably.

Table data represents single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific location which can lower or raise insurance rates substantially.

Data rating is based on single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in zip code location which can modify rates considerably.

Locating reasonably-priced car insurance is challenging, and determining which company offers the cheapest car insurance rates for teenagers calls for more quotes for comparison. Premiums may be much higher than the average rate in Louisiana, with the higher price attributed to the extra risk that comes with selling coverage for teen drivers, but economical coverage should be obtainable if you find the right company.

Each auto insurance company uses a slightly different approach for determining prices, so we’ll go over the most budget-friendly car insurance companies in Louisiana. It’s a good idea to know that Louisiana car insurance rates are impacted by many things which can substantially decrease or increase the cost of coverage. Getting older, having a teen driver, or getting a ticket for careless driving can produce rate changes resulting in some companies being cheaper than competitors.

Best Insurance Companies for Teens

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USAA offers some of the cheapest car insurance rates in Louisiana at around $1,594 each year. MetLife, GEICO, Progressive, and Safeway are also some of the more affordable Louisiana car insurance companies.

As the rates illustrate above, if you buy coverage from MetLife and switched to USAA, you might achieve a yearly savings of in the vicinity of $242. Louisiana drivers with GEICO might save as much as $313 a year, and Progressive policyholders might see rate reductions of $392 a year.

Be aware that those prices are averaged across all drivers and vehicles and do not factor in a price surcharge for teenagers. So the car insurance company that fits your needs best may not even be shown in the above list. That point stresses why you need to get rate quotes from many companies using your own driver data and vehicle information.

Best car insurance company in Louisiana

Finding a high-quality car insurance company can be rather challenging considering how many companies sell insurance in Louisiana. The information shown next could help you select which insurers you want to consider when comparing rate quotes.

The ratings below only include large nationwide companies, so companies that may only write in Louisiana are not factored into the list. To compare prices from these and other companies in Louisiana, click this link.

Full coverage rates vs. liability-only

Finding cheap car insurance for teenagers in Louisiana is important to most drivers, and one of the fastest ways to pay lower rates for insurance is to not buy comprehensive and collision coverage. The chart below compares insurance premiums when comparing full coverage to liability only. The rate quotes are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.

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As an average for all age groups, comprehensive and collision coverage on your policy costs $2,106 per year over liability only. That amount may make you wonder when is it a good idea to stop buying full coverage. There is no set rule of when to eliminate full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

Which major car insurance company is best?

When it comes to buying auto insurance for teen drivers in Louisiana, the four most popular companies are State Farm, Progressive, Allstate, and Geico. The next table ranks ratings for price, service, and claims, in additional to some of the optional coverages that are available for buyers.