Best Car Insurance in Denham Springs 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Denham Springs.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
April 13, 2021Oldsmobile Silhouette7072630Progressive$171/mo.$64/mo.
June 22, 2021Nissan Altima S7070622ClearCover$180/mo.$80/mo.
September 17, 2021Chevrolet Silverado C15007072635Kemper$153/mo.$110/mo.
October 8, 2021Honda Accord EX7072629Kemper$209/mo.$115/mo.
June 19, 2021Nissan Titan SV7072636Progressive$294/mo.$264/mo.
Here’s more information about what impacts the insurance rates in your Denham Springs.

How much does car insurance cost in Denham Springs?

Car insurance in Denham Springs, Louisiana costs single-car drivers an average of $3,258 annually, or about $271 per month. Compared to the state annual average of $3,471, auto insurance in Denham Springs is $213 lower higher.
To the west of Baton Rouge is the small city of Denham Springs, appropriately named for the number of ground-based springs that run through its center. Now recognized as a historic and cultural arts district, Denham Springs is a designated city, although its population still sits under the 10,000 resident mark.
Its small stature hasn’t spared it some big-city pains, however, and that’s reflected in Denham Springs’ car insurance rates. Its proximity to Baton Rouge is just one factor that has pushed the city’s rates above Louisiana’s state average.
So for Denham Springs drivers, saving money takes a little legwork. But with Jerry, it takes even less!
Jerry gathers quotes from more than 50 top providers in less than a minute. And once you’ve taken your pick, Jerry handles the rest, including finalizing paperwork, helping to cancel your old policy, and much more.
Here’s everything you need to know about car insurance in Denham Springs.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Denham Springs$3,340$2,096$3,675$1,929--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Denham SpringsNational Average
All Coverage Before Jerry
$3,340$3,223
All Coverage After Jerry
$2,096$2,143
Minimum Coverage Before Jerry
$3,675$3,086
Minimum Coverage After Jerry
$1,929$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Choosing a carrier in Denham Springs

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Louisiana’s overall rate is higher due in part to the state’s unusually high number of traffic accidents that result in fatalities. Overall, saving money on car insurance in Denham Springs can be achieved by comparison shopping and knowing what to look for.
Companies like GEICO, Progressive, and State Farm can offer big savings, but the best company will be the one that offers the coverage you need at a reasonable price.
Remember, there are personal factors that influence your insurance rates, including your age, occupation, and driving history. Be sure to do some comparison shopping with Jerry!
Here’s what drivers pay with some of the most popular insurance providers in Denham Springs before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$3,727$1,477Compare Prices
Kemper$2,495$805Compare Prices
Progressive$2,358$655Compare Prices
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What kind of car insurance you need in Denham Springs

In Denham Springs, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Louisiana requires both bodily injury liability and property damage liability insurance to drive. Liability coverage is not meant to cover the policyholder in the event of an at-fault accident. It’s instead designed to protect any other parties involved in the accident.
The liability limits in Louisiana can be broken down as 15/30/25, summarized as follows:
Louisiana also has a “No Pay, No Play” law, which means that if you’re driving without insurance, you may be ineligible to collect insurance pay-outs for an accident where you are not at fault—namely:
  • The first $25,000 in property damages and
  • The first $15,000 in personal injuries
There are additional penalties if you’re caught driving without insurance, including, but not limited to, fines, license suspension, and vehicle impoundment.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Once you’ve selected your liability insurance, you’ll need to find additional coverage to protect yourself and your car.
If you live and drive in Denham Springs, here are some coverage options that may serve you well on the road:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceMore cars on the road means more possibilities for collisions and subsequent damage to your vehicle. Collision insurance covers the cost of the necessary repairs.
High population densityAccident forgivenessLots of drivers means lots of accidents. Accident forgiveness will prevent your insurance rates from going up after your first at-fault incident.
Uninsured driversUninsured/underinsured motorist coverageOver 11% of Louisiana’s drivers are without the required liability coverage. This coverage option will take the place of the liability insurance the other driver doesn’t have.
Potential water damageComprehensive insuranceLouisiana frequently experiences more extreme weather, including hurricanes and floods. Comprehensive insurance will cover damage done to your car by these natural disasters and more.
Marshy conditionsRoadside assistanceLouisiana as a whole is susceptible to flooding thanks to its low, flat elevation, as well as its proximity to the Atlantic Ocean and the Mississippi River. These factors result in marshy soil that can damage roads, making it difficult to drive. Don’t get stuck in the mud without roadside assistance.

What determines your car insurance cost in Denham Springs

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Denham Springs, you could be paying as much as $71 more per month than an adult driver. These are average rates for Jerry customers in Denham Springs broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$5,724$2,178
21-24$3,565$1,355
25-34$3,178$1,188
35-44$3,304$1,075
45-54$2,352$678
65+$4,752$2,363
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Denham Springs with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,683$817
Speeding under 15$6,694$3,461
Defective Equipment$2,220$729
Other$9,000$4,800
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Where in Denham Springs you live

It may seem like insurance rates in Denham Springs should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Denham Springs, residents of 70726 will have the most expensive car insurance rates, while people who live in 70706 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Denham Springs:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
June 22, 202170706Nissan Altima SLA22ClearCover$180/mo.$80/mo.
September 5, 202170726Hyundai Tucson SELLA26Progressive$190/mo.$113/mo.
October 8, 202170726Honda Accord EXLA29Kemper$209/mo.$115/mo.
June 27, 202170706Volkswagen Tiguan SLA41National General$185/mo.$116/mo.
September 12, 202170726Hyundai Elantra SELA23Progressive$227/mo.$193/mo.
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Why is car insurance in Denham Springs so expensive?

A variety of considerations determine baseline car insurance rates in Denham Springs. Insurance companies often consider the following:
Several additional factors contribute to Denham Springs’s higher insurance rates, which are in some part related to Louisiana’s overall high rates.

Traffic

Denham Springs may be small, but it also sits directly on a major thoroughfare between several towns and Louisiana’s capital of Baton Rouge. A number of highways run through Denham Springs, carrying thousands of commuters beyond the city’s own population.
This greatly increases the likelihood of traffic accidents and incidents within its borders. That high likelihood leads to more expensive collision insurance to compensate for the higher number of claims.

High crime rate

Denham Springs is not a violent town, but it has a notably high property crime rate, which can put insurance carriers on edge. The crime rate poses an increased risk of criminal vandalism, damage, or theft to policyholder property.

Natural disasters

Denham Springs is located in the southern half of the state, the half that is most vulnerable to hurricanes. These major storms are one of the primary reasons insurance in Louisiana is so expensive, and the story remains the same for Denham Springs. The risk of hurricanes is consistently high, and as a result, so are insurance rates.

How can you save money on car insurance in Denham Springs?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Almost all insurance companies offer discounts on their rates. No matter who you are, there’s bound to be a discount that fits your lifestyle and circumstances or rewards you for responsible behavior.
Here are some common discounts available with insurance carriers in Denham Springs:
DiscountDescription
Multi-policyEven if you aren’t a homeowner, if your carrier offers other insurance products, like renter’s insurance, pet insurance, or boat insurance, bundling policies can save you money on each.
Safety equipmentIf you’ve added additional safety and anti-theft devices to your car, like better airbags or car alarms, insurance companies may lower your rates.
Safe driverStaying accident free for at least three years can earn you a discount on your auto insurance.
DemographicWhether you’re a student under 25, or if you’re a senior citizen, there are typically discounts tailored to your age group.
Driver educationOlder drivers who take an approved defensive driving course to refresh their skills can receive a discount, which is typically up to 10%.
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