Cheapest car insurance in Gonzales, Louisiana (Nov 2024)

How to find the cheapest car insurance in Gonzales

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$207	Curtis, 24 Zip: 70737	Ford Bronco Badlands	• State Minimum Liability • Comp / Collision
Allstate	$342	Millie, 30 Zip: 70737	GMC Terrain SLT	• State Minimum Liability • Comp / Collision
Bristol West	$328	Kathryn, 36 Zip: 70737	Ford Mustang GT	• State Minimum Liability
Clearcover	$205	Norman, 35 Zip: 70737	Honda CR-V EX	• State Minimum Liability • Comp / Collision
Kemper	$339	Rosie, 25 Zip: 70737	Chevrolet Silverado C1500 LT	• State Minimum Liability

Last Updated Nov 21, 2024

Best Car Insurance Companies in Gonzales

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 Gonzales

Cheap minimum liability insurance quotes in Gonzales

$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

Progressive

Polly (43 years old)

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

Nissan Sentra S

$193

per month

Bristol West

Mattie (35 years old)

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

Honda CR-V EX

$186

per month

National General

Chester (38 years old)

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

Dodge Journey SXT

$137

per month

Do you need more than minimum coverage in Gonzales?

Cheap full coverage car insurance quotes in Gonzales

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 Gonzales.
Comprehensive insurance: pays for damage caused by something other than a collision. This typically includes vandalism, theft, and severe weather.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$544	Irene, 26 Zip: 70737	Toyota Camry SE
• State Minimum Liability • Comp / Collision	Allstate	$342	Millie, 30 Zip: 70737	GMC Terrain SLT
• State Minimum Liability • Comp / Collision	Bristol West	$311	Johanna, 36 Zip: 70737	Ford Mustang GT
• State Minimum Liability • Comp / Collision	Clearcover	$205	Norman, 35 Zip: 70737	Honda CR-V EX

Last Updated Nov 21, 2024

Average cost of car insurance in Gonzales

Car insurance quotes in Gonzales by rating factors 

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 approximately 97% 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: Louisiana drivers commute about 25 minutes per day—close to the national average. If you drive more or less than that, you’ll see your rates reflect the added (or lessened) 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. 

Cheap car insurance quotes in Gonzales after driving violations

Cheapest car insurance in Gonzales after speeding ticket

Louisiana speeding tickets

come in four categories:

1 – 9 mph over the speed limit: $115 – $285 in fines
10 – 14 mph over the speed limit: $215 – $385 in fines
15 – 20 mph over the speed limit: $240 – $410 in fines
21+ mph over the speed limit: Over $240 in fines and possible license suspension

Drive fast enough—or with enough careless lane changes and disruptive actions—and you risk

Louisiana's reckless driving charge

, which carries base penalties of up to $200 in fines and up to 90 days in jail. 

In Gonzales, a speeding ticket can raise your insurance rates, typically by an average of 39%. That higher charge will usually stay on your policy for three to five years—but that doesn’t mean you can’t find savings like the Jerry drivers below, in the meantime.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	AAA	$77	Derek, 30 Zip: 70737	Jeep Gladiator	• 100,000/300,000 Liability
Speeding 6-10	Allstate	$67	Blake, 33 Zip: 70737	Pontiac Solstice	• State Minimum Liability

Last Updated Nov 16, 2024

Cheapest car insurance in Gonzales after DUI

Just one

DUI violation

in Gonzales can rack up thousands of dollars in fines, legal costs, and increased insurance premiums. The average rate increase after a DUI in Louisiana is 64%, 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 Gonzales based on your record.

AAA

Olive (43 years old)

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70707)

Porsche Macan

$69

per month

Safeco

Willie (45 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Gonzales, LA
(Zip Code: 70737)

Mercedes-Benz GLE

$70

per month

Cheapest car insurance in Gonzales after an at-fault accident

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	National General	$256	Rosalie, 36 Zip: 70737	Nissan Versa S	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Progressive	$509	Delia, 27 Zip: 70737	Honda Civic LX	• State Minimum Liability • Comp / Collision
Not At Fault	Clearcover	$256	Lois, 30 Zip: 70737	Nissan Titan SV	• State Minimum Liability
At Fault With No Injury	Allstate	$308	Sally, 26 Zip: 70737	Nissan Versa SV	• State Minimum Liability

Last Updated Nov 21, 2024

Cheapest car insurance in Gonzales after other driving violations

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Nationwide	$44	Cecilia, 37 Zip: 70737	Acura ZDX	• 50,000/100,000 Liability • Comp / Collision
Defective Equipment	Progressive	$84	Elnora, 31 Zip: 70737	KIA Sportage	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 21, 2024

Cheap car insurance quotes in Gonzales by age

Cheapest car insurance in Gonzales for young drivers

Like all

new drivers

, teenagers pay more for car insurance than drivers with a proven record of safe driving in Gonzales. 

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. 

Luckily, young Gonzales 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, of course! 

Progressive

Curtis (24 years old)

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

Ford Bronco Badlands

$207

per month

Clearcover

Frank (24 years old)

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

KIA RIO LX

$302

per month

National General

Erik (23 years old)

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

Nissan Sentra 2.0

$262

per month

Kemper

Frank (22 years old)

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

Mercedes-Benz CLA 250

$416

per month

Cheapest car insurance in Gonzales 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. 

Progressive

Willie (68 years old)

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

Honda CR-V LX

$121

per month

Clearcover

Clarence (71 years old)

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

Chevrolet Equinox LT

$173

per month

Cheap car insurance quotes in Gonzales based on insurance history

Progressive

Chad (43 years old)

Currently Insured

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

Nissan Sentra S

$193

per month

Allstate

Hilda (29 years old)

Currently Insured

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

GMC Terrain SLT

$342

per month

Clearcover

Don (34 years old)

Currently Insured

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

Honda CR-V EX

$205

per month

National General

Zachary (27 years old)

Currently Insured

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

Chevrolet Silverado K1500 RST

$172

per month

Allstate

Bruce (29 years old)

Currently Insured

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

GMC Terrain SLT

$342

per month

Cheap car insurance quotes in Gonzales for popular cars

A brand-new vehicle
A luxury car
A sports car
A hybrid or electric vehicle
Any vehicle with hard-to-source components

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Honda Accord Sport	Progressive	$332	Viola, 24 Zip: 70737	• 50,000/100,000 Liability • Comp / Collision
Nissan Altima 2.5	Bristol West	$251	Norman, 24 Zip: 70737	• State Minimum Liability

Last Updated Nov 15, 2024

Cheapest car insurance in Gonzales for new vs. old car

In general, new cars cost more to insure than older models. That’s because new cars have a higher value and are more likely to come with brand-new tech that’s costly to repair or replace. 

Our research indicates that in Gonzales, the monthly insurance cost for a car older than 10 years is approximately $174. However, the average cost rises to around $119 per month for insuring a car less than four years old.

Progressive

Mathilda (28 years old)

2011 Honda Civic LX

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

$509

per month

Bristol West

Francis (55 years old)

2018 Honda Accord Sport

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

$221

per month

National General

Chester (38 years old)

2013 Dodge Journey SXT

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

$137

per month

Clearcover

Norman (35 years old)

2019 Honda CR-V EX

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

$205

per month

Bluefire

Ian (29 years old)

1997 Lincoln Town CAR Executive

Coverage

State Minimum

Gonzales, LA
(Zip Code: 70737)

$129

per month

How to lower car insurance costs in Gonzales

1. Shop around and compare quotes

 2. Hunt for car insurance discounts

Good driver discounts. If you have a clean driving record with no accidents or traffic violations in Gonzales, insurers may offer discounts as a reward for your safe driving habits.

Telematics discounts. Some insurance companies provide discounts to policyholders who use telematics. These devices monitor driving behavior, such as speed, mileage, and braking patterns, and can lead to discounts for safe driving practices.

Good student discounts. Some insurance companies offer discounts to students who maintain good grades. 

3. Increase your deductible for comprehensive and collision coverage

Why is car insurance in Gonzales so expensive?

Higher motor vehicle fatality rates: In 2021, the Department of Transportation reported 887 fatal crashes in Louisiana resulting in 972 deaths. That’s 21 deaths per 100,000 residents—over twice the national average. 
More drivers per capita: Louisiana has a higher-than-average number of licensed drivers, leading to a higher risk of accidents.
More expensive medical care: According to a 2022 report from Forbes Advisor, Louisiana has the second-highest healthcare costs of any state. Steep medical bills lead to higher liability insurance costs in Gonzales.