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Cheapest car insurance in Broussard, Louisiana (Nov 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Broussard, Louisiana.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor
Learn more about our insurance review board

How to find the cheapest car insurance in Broussard

Broussard straddles the St. Martin and Lafayette parishes of Louisiana, with a healthy sprinkling of Cajun influence from the Acadiana region. Originally named “Frozen Hill” for a particularly chilly winter, it was later renamed for a local merchant—a fitting moniker, since the current-day city sports over 300 local businesses. Besides shopping, visitors also enjoy its thriving food, arts, sports, and historical scene.
It costs an average of $107 per month or $1,284 per year to insure a car with the state minimum coverage in Broussard. A full-coverage car insurance policy increases costs to an average of $255 per month or $3,060 per year. This is on par with the average cost of
car insurance in Louisiana
, but well above the national rate.
Coverage type
Broussard, LA
Louisiana 
United States
State minimum
$107
$105
$77
Full coverage
$255
$260
$165
So why is
auto insurance
 so expensive in Broussard? You can blame it on the area’s high rate of national disasters and the general risks of driving in Louisiana. 
Jerry
 helps drivers find the lowest cost option among dozens of providers in Louisiana by providing fast, free car insurance quotes. It’s just one of the many insurance services America’s only AllCar app provides.
Compare car insurance quotes now

Best car insurance companies in Broussard

Jerry found the best auto insurance companies in Broussard by asking over 15,000 policyholders nationwide what they thought of their providers. Louisiana drivers crowned
National General
 the winner in price and overall score but said
State Farm
 insurance agents provided a better claims experience.
As for the cheapest car insurance providers in Broussard, you can see the results in the table below, ranked by minimum coverage cost.
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
Cost rating
Overall Jerry rating
Kemper
$115
$189
4.5
4.1
Progressive
$137
$284
3.8
4.2
The General
$149
$265
3.7
4.1
National General
$158
$208
4.7
4.8
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Broussard

Before going on the hunt for car insurance quotes, it’s best to consider your insurance needs. State minimum coverage is generally the cheapest option, but it could cost you a lot of money down the line. The Jerry Insurance Agency recommends carrying a full coverage policy and as high a liability limit as you can afford—ideally, 100/300/100.

Cheap minimum liability insurance quotes in Broussard

Louisiana’s car insurance laws
 oblige every driver to carry
liability insurance
. If you cause a car accident, liability insurance pays for the medical expenses of anyone you injure, or the repair or replacement of any property you damage.
The minimum limits for liability insurance follow the 15/30/25 rule:
A minimum coverage policy comes with an average price tag of $1,284 per year or $107 per month.
Louisiana has attempted to lower car insurance rates through legislation, but unfortunately, the tort reform law introduced in 2021 failed to have an effect. It was billed as a way to lower insurance costs by capping how much damage car accident victims could seek from insurance companies in court, but the savings failed to trickle down to policyholders.2
With that in mind, have a look at some of the most affordable providers in the city.
Insurance company
Monthly minimum coverage cost
Kemper
$115
Progressive
$137
The General
$149
National General
$158
Direct Auto
$171

Do you need more than minimum coverage in Broussard?

You probably need more than the minimum insurance coverage in Broussard.
The average car accident with “evident” injuries costs about $40,000 to treat3, which could leave you with $10,000 to $25,000 out-of-pocket costs. You only have to look at the price tags of most modern vehicles to know that $25,000 of property damage liability coverage isn’t enough to replace a total loss car.
The bottom line: If you can afford it, raise your liability coverage limits to 50/100/50 or 100/300/100.
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Expert Insight

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badgeJosh Damico
VP Insurance Operations, 18+ Years Experience in Insurance
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Cheapest full coverage car insurance quotes in Broussard

One major drawback of a liability-only insurance policy is that it won’t protect your vehicle. Only drivers with
full-coverage car insurance
 can submit insurance claims for physical damage to their own cars.
Full coverage isn’t a technical term, but it usually refers to policies that include
collision coverage
 and
comprehensive coverage
 on top of basic liability. 
  • Collision insurance pays for damage to your vehicle caused by any kind of crash, from a seven-car pileup to a single-car rollover or a collision with a telephone pole. Collision coverage can even pay if your car’s damaged in an encounter with a gnarly pothole—and since 23.3% of Louisiana’s roads are in poor condition, it’s a worthwhile investment for most drivers in Broussard.
  • Comprehensive insurance pays for damage caused by something other than a collision. This typically includes vandalism, theft, and severe weather.
Full coverage insurance isn’t required by law, but it is required by lenders. Nearly every financial services company includes collision, comprehensive, and gap insurance in their contract conditions.4
Here’s how much the average Broussard driver can expect to pay for full coverage.
Insurance company
Monthly full coverage cost
Direct Auto
$145
Kemper
$189
National General
$208
Clearcover
$211
Allstate
$227
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"For my two violations that happened 4 years ago, Progressive had the lowest price I could get with full coverage insurance and that's always a win in my book."
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Leslie
| Verified Jerry Customer
Lower my car insurance too!

Average cost of car insurance in Broussard

If you stick with state minimum coverage, you’ll pay an average of $107 per month (or $1,284 per year) in Broussard. Full coverage costs about $254 per month or $3,057 per year. 
That’s not as high as
Abbeville
 or
New Iberia
, but it’s not as cheap as
Youngsville
, all three of which are less than a half hour away. So what decides the
average cost of car insurance
 in a particular area?
Here are all the factors pushing up rates in Broussard:
  • Humidity, heat, and hurricanes: Not only is Broussard rainy, muggy, and hot for most of the year (which contributes to poor road conditions and driver fatigue), but it also has a greater-than-average rate of hurricanes. These storms cause lots of property damage, which gets mopped up by insurance companies, which then pass the costs onto consumers.5
  • Motor vehicle thefts: Louisiana has more vehicle thefts per 100,000 people than the national average, and the number has only climbed since 2019.6
  • Motor vehicle fatalities: Louisiana’s rate of motor vehicle deaths per 100,000 people is 62% higher than the national average.7 That’s 62% more fatalities, funeral costs, and higher insurance premiums for everyone.

Compare car insurance costs in other states

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Car insurance quotes in Broussard by rating factors 

Remember—every driver is different, and every insurance company uses a whole slew of rating factors to
calculate your car insurance premium
 in Broussard. 
  • Your age and demographics: Teens and other new drivers pay a higher rate for coverage than middle-aged drivers—and so do seniors over age 70. Gender can also affect rates in Louisiana.
  • Your credit score: Research shows that drivers with poor credit file more claims. They also pay more than drivers with excellent credit for the same coverage. 
  • Your driving record and claims history: Causing an accident, committing a violation, filing a claim, or letting your insurance lapse can all lead to higher premiums. 
  • Your driving habits: If you commute regularly, you’ll see your rates reflect the added risk of an accident.
  • Your location: City zip codes carry a higher risk of accidents, theft, vandalism—-and insurance claims. That’s why urban drivers pay more, and rates can vary within a single city.

How do different factors impact your car insurance costs in Broussard?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Louisiana currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Broussard:
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Driving History
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Age
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Insurance History
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Credit Score
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Car

Cheap car insurance quotes in Broussard after driving violations

The occasional speeding ticket might add a surcharge to your insurance policy, but drivers with multiple violations are at risk of earning the “high-risk” label from their insurance company. 
Here’s how to navigate car insurance shopping if your Broussard driving record is less than perfect.

Cheapest car insurance in Broussard after a DUI

Just one
DUI violation
 in Broussard can rack up thousands of dollars in fines, legal costs, and increased insurance premiums. The average rate increase after a DUI in Louisiana is 63%, but you can expect even higher increases if you’re convicted multiple times. 
Drivers with DUIs tend to pay a lot more for car insurance—but you don’t have to resign yourself to unbearable premiums. Some insurers, like Progressive, give a DUI far less weight when calculating premiums, and Jerry can help you find the best rates in Broussard based on your record.
Here’s how much your rates can increase based on a DUI charge in Broussard.
Violation
Monthly coverage cost
Rate increase (%)
DUI
$344
91%

Cheapest car insurance in Broussard after an at-fault accident

Your rates will also go up after an at-fault accident—but not all companies will raise them by the same amount. After an at-fault accident, Bristol West policyholders pay an average of $2,074 per year for minimum coverage, while National General customers only pay $852.
But don’t worry—Jerry has helped many Broussard drivers save on car insurance after accidents.
Driving record
Monthly coverage cost
Rate increase (%)
At-fault accident
$244
35%

Cheapest car insurance in Broussard after other driving violations

Speeding tickets, accidents, and DUIs aren’t the only way to earn the “high-risk” designation from your insurance company. No matter what violations show up on your Broussard driving record, Jerry can help you save.
Violation
Monthly coverage cost
Rate increase (%)
Careless driving
$197
9%
Failure to obey signal
$230
28%
Following too closely
$244
36%
Open container
$380
111%

Cheap car insurance quotes in Broussard by age

Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.8

Cheap car insurance in Broussard for young drivers

Like all
new drivers
, teenagers pay more for car insurance than drivers with a proven record of safe driving in Broussard. 
But for teens, the costs are even higher thanks to statistics that show a higher rate of accidents, crash fatalities, and violations among drivers aged 19 and below. Those increased rates are even higher for male drivers, who show a higher rate of unsafe behaviors like distracted driving and skipping the seatbelt.9
Luckily, young Broussard drivers can save by staying on a family policy, qualifying for good student discounts, and using usage-based insurance tools—and by shopping with Jerry.
Here’s how much young motorists in Broussard can expect to pay for insurance.
Age
Monthly minimum coverage cost
Monthly full coverage cost
18-21
$594
$895

Cheap car insurance in Broussard for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+. 
Age
Monthly minimum coverage cost
Monthly full coverage cost
22-25
$262
$417
26-34
$123
$190
35-44
$108
$209
45-54
$139
$216
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.

Cheap car insurance in Broussard for senior drivers

Many seniors actually pay less for car insurance than middle-aged drivers. Between ages 55 and 75, you’ll likely see the lowest rates of your whole driving career thanks to decades of experience. 
But around your mid-70s, your rates will start to go up because of increased rates of driver error and a much higher risk of accident fatalities. Even good drivers tend to see higher risks on the road when they reach this age. 
Age
Monthly minimum coverage cost
Monthly full coverage cost
55-64
$91
$98
65+
$98
$184

Cheap car insurance quotes in Broussard based on insurance history

Insurance companies don’t just look for a clean driving record when reviewing applicants—they also want to see a continuous coverage history with no breaks or gaps. 
Whether you forgot to renew your policy, stopped paying your bill, or just spent a few years relying on public transportation, any
car insurance lapse
 will lead to higher rates down the road.10
Here’s how much Broussard drivers can expect to pay if they have an insurance lapse.
Insurance history
Monthly coverage cost
Rate increase (%)
With coverage lapses
$229
27%

Cheap car insurance quotes in Broussard for drivers with poor credit

All major car insurance companies will run a soft credit check and use something called a “credit-based insurance score” when evaluating your application and setting your rates. 
Bad credit doesn’t just suggest a history of unpaid bills; studies actually show that drivers with poor credit tend to file more insurance claims. Consequently, drivers with bad credit (524-577) pay 44% more than drivers with good credit (710-740) and 115% more than drivers with excellent credit (823 and up).11
The table below demonstrates how much LA drivers pay for car insurance based on their credit score.
Credit score
Monthly coverage cost
< 600
$306
601-699
$253
700+
$210

How to lower car insurance costs in Broussard

1. Shop around and compare quotes

The hardest part of
car insurance shopping
 is fitting the coverage you want into your personal price plan. Requesting personalized quotes from multiple companies is tedious, which makes it hard to shop between at least three providers every six months like you’re supposed to.
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Jerry’s PriceProtect™ provides a convenient way to do all your comparison shopping quickly, easily, and for free.
It takes just 45 seconds to sign up, tell Jerry the coverage you want, and then get quotes from over 55 top providers.
You can then adjust your coverage details until you find the perfect balance between price and protection.
Compare car insurance quotes now

 2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts: Get insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Good student discounts: Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Telematics discounts: Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

3. Increase your deductible for comprehensive and collision coverage

In a pinch, raising your full coverage deductible in Broussard could shave a small amount off of your usual costs. Just make sure to consider all your other options first and not choose a higher deductible than you can afford.
MORE:
How to choose a car insurance deductible
Learn more:
11 Ways to lower car insurance

Why is car insurance in Broussard so expensive?

Auto insurance rates are on the rise everywhere—but Louisiana is one of the most expensive states in the country for car insurance. Here are a few reasons why insurance in Broussard can be costly: 
  • Higher motor vehicle fatality rates: In 2021, the Louisiana Department of Transportation and Development in Louisiana reported 914 crashes resulting in 997 deaths. That’s an average of three deaths per day on the highway.12
  • More drivers per capita: Louisiana has a higher-than-average number of licensed drivers (736 per 1,000 residents) leading to a higher risk of accidents.13
  • More expensive medical care: According to a 2022 report from Forbes Advisor, Louisiana has the second-highest healthcare costs of any state.14 Steep medical bills lead to higher liability insurance costs in Broussard.

FAQ

How much is car insurance in Broussard?

Drivers in Broussard pay an average of $107 per month or $1,284 per year for the minimum coverage required in the state. They pay an average of $254 per month or $3,057 per year for a full coverage policy.

What is the cheapest car insurance in Broussard?

The cheapest car insurance in Broussard is state minimum coverage, which costs about $107 per month (or $1,284 per year). However, the cheapest insurance provider differs from driver to driver. Your insurance rates could be hundreds of dollars higher or lower depending on your driving record, claims history, and more.

What is the minimum car insurance in Broussard, Louisiana?

The minimum car insurance required in Broussard, Louisiana follows the 15/30/25 rule. That means at least:
  • $15,000 of bodily injury liability coverage per person
  • $30,000 of bodily injury liability coverage per accident
  • $25,000 of property damage liability coverage per accident

What is the best car insurance in Broussard?

The best car insurance in Broussard depends on your priorities. If you want an affordable policy, try
National General
. If you want a smooth claims process, head to
State Farm
.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 providers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.  
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. 
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists

Sources

  1. https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/consumer's-guide-to-auto-insurance-2016.pdf?sfvrsn=c0907c52_53
  2. https://lailluminator.com/2021/11/15/auto-insurance-rates-climb-despite-louisianas-new-tort-reform-law/
  3. https://injuryfacts.nsc.org/all-injuries/costs/guide-to-calculating-costs/data-details/
  4. https://www.insurancebusinessmag.com/us/guides/insurance-for-leased-car-vs--owned-car-whats-the-difference-458114.aspx
  5. https://www.city-data.com/city/Broussard-Louisiana.html
  6. https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/crime-trend
  7. https://www.iihs.org/topics/fatality-statistics/detail/state-by-state
  8. https://www.iii.org/article/what-determines-price-my-auto-insurance-policy
  9. https://www.iii.org/article/background-on-teen-drivers
  10. https://www.iii.org/article/what-if-i-cant-find-auto-coverage
  11. https://consumerfed.org/wp-content/uploads/2023/07/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf
  12. https://wwwapps.dotd.la.gov/administration/announcements/announcement.aspx?key=29014
  13. https://www.fhwa.dot.gov/policyinformation/statistics/2020/dl1c.cfm
  14. https://www.forbes.com/advisor/health-insurance/most-and-least-expensive-states-for-health-care-ranked/

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
avatar
Maria Cruz
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Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.