Services
Insurance
Repairs
Advice
About

Cheapest car insurance in Marksville, Louisiana (Nov 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Marksville, Louisiana.
background
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
background
avatar
Kianna Walpole
Expert Insurance Writer & Editor
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor

How to find the cheapest car insurance in Marksville

On average,
auto insurance
in Marksville costs about $105 per month for minimum coverage liability insurance, and about $260 per month for full coverage insurance. In Marksville drivers pay -- than the national average.  
Jerry is a trusted resource for countless drivers in Marksville seeking the
best car insurance quotes
. Let's explore some of the savings that Jerry has uncovered for our customers in Marksville.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Allstate
$80
Austin, 48
Zip: 71351
KIA Sedona LX
• State Minimum Liability
Clearcover
$146
Lewis, 39
Zip: 71351
Chevrolet Tahoe C1500
• State Minimum Liability
National General
$220
Marvin, 49
Zip: 71351
Jeep Grand Cherokee Laredo
• State Minimum Liability
coverageLast Updated Oct 31, 2024

Best car insurance companies in Marksville

When it comes to shopping for car insurance, every customer receives different quotes based on their profile—meaning that the “best” insurance company can be different for everyone. 
Aside from the cost of insurance, you’ll also want to consider factors such as claims handling and customer service when choosing a provider. 
To narrow down the best car insurance options for Marksville drivers, Jerry conducted the largest insurance shopping survey in the nation. We asked over 15,000 policyholders from across the country to rate their insurance providers on cost, customer service, ease of shopping and renewal, and claims handling.
Here’s what the survey respondents had to say about the best car insurance companies in Marksville:
Insurance companyOverall ratingPriceClaims experienceCustomer service
Geico
4.4
3.4
4
4.3
Allstate
4.3
3.7
N/A
4.3
Progressive
4
3.6
2.5
4.2
State Farm
3.9
2.6
N/A
4.1
USAA
3.8
3.8
N/A
3.6
Highlighticon

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 Marksville

Before driving in Marksville, remember that
Louisiana’s car insurance laws
require all drivers to buy liability insurance. Full coverage car insurance, which includes collision and comprehensive insurance in addition to state-mandated liability coverage, is technically optional—but most drivers choose to buy it.  

Cheap minimum liability insurance quotes in Marksville

To legally drive in Marksville, Louisiana, every driver must maintain 15/30/25 liability limits. That means that every insurance policy includes at least the following: 
These two types of coverage ensure that your insurance company will pay for other drivers’ medical and vehicle repair expenses if you’re at fault in an accident.
card cover
Austin (48 years old)
coverageCoverage
State Minimum
locationMarksville, LA
(Zip Code: 71351)
carKIA Sedona LX
$80
per month
card cover
Andrew (49 years old)
coverageCoverage
State Minimum
locationMarksville, LA
(Zip Code: 71351)
carJeep Grand Cherokee Laredo
$195
per month
card cover
Clearcover
Lewis (39 years old)
coverageCoverage
State Minimum
locationMarksville, LA
(Zip Code: 71351)
carChevrolet Tahoe C1500
$146
per month

Do you need more than minimum coverage in Marksville?

Think of Louisiana’s minimum liability coverage as the start—not the ed—of your insurance shopping process in Marksville.
While buying state minimum coverage will keep you in compliance with the law, it won’t do much to protect your wallet in the event of a crash. 
Remember, liability insurance covers damages and medical bills that you’re responsible for. The average hospital stay following a car accident costs close to $60,000, while the average car on the road is worth about $48,000. 
A single serious accident could saddle you with liability costs well over $100,000—well beyond the liability limits of a minimum coverage policy
And because
Louisiana's car accident laws
allow drivers to file personal injury lawsuits for up to a year after an accident, your liability will extend long past the actual incident. 

Cheap full coverage car insurance quotes in Marksville

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 Marksville.
  • 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. If you lease or buy a car in Marksville, you’ll need to carry collision and comprehensive insurance until your lease is up or your loan is paid off. 
Check out the table below to see how Jerry helped Marksville drivers balance their coverage needs with their budget!
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Bristol West
$282
Lulu, 49
Zip: 71351
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
Clearcover
$463
Marguerite, 49
Zip: 71351
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
National General
$150
Joel, 65
Zip: 71351
Nissan Versa S
coverageLast Updated Oct 31, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Lower my car insurance too!

Average cost of car insurance in Marksville

A full coverage car insurance policy costs Marksville drivers an average of $3,121 per year or $260 per month. For drivers who stick to only minimum liability coverage, car insurance costs $1,255 per year or $105 per month, on average.
But
car insurance averages
only tell part of the story—and they’re not always a good guide to finding your best insurance rate. 
Every driver is different, and everything from your age and gender to your credit score, driving record, insurance history, and vehicle type could put your rates above or below the average in Marksville.

Car insurance quotes in Marksville 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 Marksville.  
  • 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. 

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

icon
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
icon
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 Marksville:

Cheap car insurance quotes in Marksville 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 Marksville driving record is less than perfect.

Cheapest car insurance in Marksville 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 Marksville, 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 TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
AAA
$67
Barry, 44
Zip: 71351
Nissan Altima
• 50,000/100,000 Liability
Speeding 6-10
Travelers
$83
Sam, 34
Zip: 71351
Infiniti Q50
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Oct 28, 2024

Cheapest car insurance in Marksville after DUI

Just one
DUI violation
in Marksville 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 Marksville based on your record.
card cover
Nina (30 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationMarksville, LA
(Zip Code: 71351)
$69
per month
card cover
Luke (36 years old)
coverageCoverage
State Minimum
locationMarksville, LA
(Zip Code: 71351)
$70
per month

Cheapest car insurance in Marksville 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. GEICO has the highest average rate increase after an accident at a whopping 64%, while State Farm and Travelers policyholders tend to see lower rate spikes. 
But don’t worry—Jerry has helped many Marksville drivers save on car insurance after accidents.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$192
Rhoda, 26
Zip: 71351
Toyota Tundra Access Cab
• State Minimum Liability
Not At Fault
Progressive
$244
Minnie, 35
Zip: 71351
Jeep Cherokee Latitude Plus
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Clearcover
$146
Ora, 38
Zip: 71351
Chevrolet Tahoe C1500
• State Minimum Liability
coverageLast Updated Nov 3, 2024

Cheapest car insurance in Marksville 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 Marksville driving record, Jerry can help you save.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$71
Clarence, 33
Zip: 71351
KIA Seltos
• State Minimum Liability
Defective Equipment
Nationwide
$73
Emma, 32
Zip: 71351
Jeep Wrangler
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Nov 2, 2024

Cheap car insurance quotes in Marksville 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.

Cheapest car insurance in Marksville for young drivers

Like all
new drivers
, teenagers pay more for car insurance than drivers with a proven record of safe driving in Marksville
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 Marksville 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! 
card cover
Sara (24 years old)
coverageCoverage
State Minimum
locationMarksville, LA
(Zip Code: 71351)
carChevrolet Colorado
$272
per month

Cheapest car insurance in Marksville 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. 
card cover
Joel (65 years old)
coverageCoverage
State Minimum
locationMarksville, LA
(Zip Code: 71351)
carNissan Versa S
$150
per month

Cheap car insurance quotes in Marksville 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. 
card cover
Olga (48 years old)
Currently Insured
coverageCoverage
State Minimum
locationMarksville, LA
(Zip Code: 71351)
carJeep Grand Cherokee Laredo
$250
per month
card cover
Lily (47 years old)
Currently Insured
coverageCoverage
State Minimum
locationMarksville, LA
(Zip Code: 71351)
carKIA Sedona LX
$80
per month
card cover
Earl (48 years old)
Currently Insured
coverageCoverage
State Minimum
locationMarksville, LA
(Zip Code: 71351)
carJeep Grand Cherokee Laredo
$189
per month
card cover
Clearcover
Eric (48 years old)
Currently Insured
coverageCoverage
State Minimum
locationMarksville, LA
(Zip Code: 71351)
carJeep Grand Cherokee Laredo
$463
per month
card cover
Craig (48 years old)
Currently Insured
coverageCoverage
State Minimum
locationMarksville, LA
(Zip Code: 71351)
carJeep Grand Cherokee Laredo
$195
per month

Cheap car insurance quotes in Marksville 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. 
Drivers with good credit (700 or above) pay less, on average, than drivers with poor credit. 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.
Here’s how drivers with low credit scores saved with Jerry
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
National General
$77
Robert, 42
Zip: 71351
Chevrolet Cruze LT
• State Minimum Liability
660 - 750
National General
$77
Gilbert, 42
Zip: 71351
Chevrolet Cruze LT
• State Minimum Liability
550 - 659
Progressive
$250
Lettie, 48
Zip: 71351
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
< 550
Progressive
$66
Rose, 59
Zip: 71351
Chevrolet Captiva Sport
• State Minimum Liability
coverageLast Updated Oct 29, 2024

How to lower car insurance costs in Marksville

1. Shop around and compare quotes

Paying for car insurance is no cakewalk in Marksville. Each insurance company uses different rules to determine your premium, and these rules are subject to frequent changes. 
To ensure you have the cheapest car insurance possible, experts advise comparing quotes from at least three different companies and reviewing rates every six months.
Luckily, Jerry makes this process easy! In just 45 seconds, Jerry gathers quotes from a vast network of over 55 leading insurance providers, helping you discover the best auto insurance coverage at the best price. What's more, Jerry offers this invaluable service free of charge!

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. If you have a clean driving record with no accidents or traffic violations in Marksville, 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

In a pinch, raising your full coverage deductible in Marksville could shave a small amount off of your usual costs. 

Why is car insurance in Marksville 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 Marksville can be costly: 
  • 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 Marksville.

FAQ

What is the cheapest car insurance in Marksville?

Based on results from a recent Jerry survey, real customers rated Nationwide, National General, and Louisiana Farm Bureau as some of the most cost effective locations in the state.

Why is Marksville car insurance so expensive?

Along with inflation and supply chain shortages, car insurance in Louisiana may be rising due to state lawyers encouraging lawsuits for all types of car accidents, which raises operating costs. Highway density, population, and vehicle theft rates may also be contributing factors.

What is the average cost of car insurance in Marksville?

Drivers in Louisiana pay an average of $3,121 annually for a full coverage policy, or $260 per month. For the state minimum, drivers pay an average of $1,255 per year, or $105 per month.

What is the best full coverage auto insurance in Marksville?

Most drivers in Louisiana will benefit from higher liability limits of 50/100/50 or 100/300/100, as well as full coverage that includes comprehensive and collision coverage. Also consider additional insurance options, such as uninsured motorist coverage or roadside assistance.

What is the best car insurance for seniors in Marksville?

In Louisiana, senior drivers find the most savings with providers like Progressive, Safeco, and Allstate.

How much car insurance should i have in Marksville?

Drivers in Louisiana are required to carry $15,000 per person/$30,000 per accident in bodily injury liability coverage, and $25,000 per accident in property damage liability coverage to meet state regulations. However, most drivers will benefit from increasing their liability limits and opting for a full coverage option.

What is considered full coverage auto insurance in Marksville?

A full coverage policy in Louisiana generally consists of liability insurance, comprehensive coverage, and collision coverage.

What happens if you don't have car insurance in Marksville?

If you don’t have car insurance in Louisiana and are caught driving without proof of insurance, you can face fines of up to $1,000, a license and registration suspension, vehicle impoundment, and up to $510 in reinstatement fees.

Did Marksville auto insurance rate go up?

Car insurance rates in Louisiana have increased due to a mixture of factors, including inflation, supply chain shortage, and standard insurance company rate increases.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
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. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
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.

Meet our experts

avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
avatar
Amy Bobinger
badge icon
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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.