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Cheapest car insurance in Port Allen, Louisiana (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Port Allen, 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

How to find the cheapest car insurance in Port Allen

The average cost of
auto insurance
in Port Allen is around $114 per month for minimum coverage liability insurance and approximately $157 per month for full coverage insurance. 
Shoppers who aren’t satisfied with the average rates ask
Jerry
to gather and compare free car insurance quotes for them. Here are a few of the discounts they found:
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$182
Clarence, 42
Zip: 70767
Nissan Frontier Crew Cab XE V6
• State Minimum Liability
Clearcover
$167
Dustin, 26
Zip: 70767
Nissan Altima
• State Minimum Liability
Bristol West
$367
Eugenia, 30
Zip: 70767
Dodge Durango SXT
• State Minimum Liability
• Comp / Collision
National General
$283
Kate, 21
Zip: 70767
Honda Accord EX
• State Minimum Liability
coverageLast Updated Apr 14, 2024

Best car insurance companies in Port Allen

The "best" auto insurance company differs from customer to customer. Driver profiles are unique, which means insurance coverage costs (and the cheapest provider in Port Allen) aren’t the same for everybody. And not everyone is willing to put up with shoddy claims handling and customer service for the sake of the lowest rates.
To find the best automobile insurance providers in Louisiana, Jerry carried out the largest insurance shopping survey in the United States. Over 15,000 policyholders were asked to rate their insurance providers based on cost, customer service, ease of shopping, renewal, and claims handling.
According to survey respondents, these are the best car insurance companies in Port Allen :
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
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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 Port Allen

Remember that
Louisiana car insurance laws
require drivers to purchase liability insurance before driving in Port Allen. Most drivers choose to get full coverage car insurance—which includes collision and comprehensive insurance—as well as state-mandated liability coverage.

Cheap minimum liability insurance quotes in Port Allen

To operate a vehicle legally in Port Allen, drivers must purchase a car insurance policy with coverage limits that follow the “15/30/25” rule. That means at least:
Liability insurance allows other drivers to file claims against your insurance company to pay for their medical expenses, vehicle repair costs, and property damage bills. It only applies if you were the one at fault for causing the car accident.
card cover
Clarence (42 years old)
coverageCoverage
State Minimum
locationPort Allen, LA
(Zip Code: 70767)
$182
per month
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Mary (26 years old)
coverageCoverage
State Minimum
locationPort Allen, LA
(Zip Code: 70767)
carNissan Altima
$186
per month

Do you need more than minimum coverage in Port Allen?

The rising cost of medical care and car repairs make a compelling case for more insurance coverage, even if the law only requires you to follow state minimum coverage requirements.
For example, the average hospital stay following a car accident costs
nearly $60,000
, while the average car on the road is
worth about $48,000
. A serious car accident can result in liability costs well over $100,000, which is beyond the liability limits of a minimum coverage policy in Louisiana.
Furthermore,
Louisiana's car accident laws
give drivers a year to file a personal injury lawsuit, meaning, your liability limits could be stretched beyond the date of the initial car accident.

Cheap full coverage car insurance quotes in Port Allen

Liability insurance has one major drawback: it doesn’t pay to repair or replace your motor vehicle. You can only file a claim for physical damages or theft if you have
full coverage car insurance
Full coverage describes an auto insurance policy that usually includes collision and comprehensive coverage on top of basic liability.
Full coverage insurance isn’t a legal requirement in Port Allen, but it’s included as a condition in leasing and financing agreements. You must maintain coverage until your contract ends.
Jerry assisted Port Allen drivers in finding the perfect balance between coverage and budget, as you can see in the table below:
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$254
Bradley, 45
Zip: 70767
RAM 1500 ST
• State Minimum Liability
• Comp / Collision
National General
$166
Clara, 39
Zip: 70767
Cadillac ATS
• State Minimum Liability
• Comp / Collision
Bristol West
$367
Eugenia, 30
Zip: 70767
Dodge Durango SXT
coverageLast Updated Apr 15, 2024
If you want to find the cheapest rates for your desired level of coverage, try comparing car insurance rates online.
Lower my car insurance too!

Average cost of car insurance in Port Allen

On average, Port Allen drivers who opt for minimum liability coverage pay an average of $1,362 per year or $114 per month. Drivers who prefer a full coverage policy pay about $1,884 per year or $157 per month.
However, the average cost of car insurance in Port Allen isn’t the best way to determine your actual insurance costs. Several factors affect the rates you can find, like your age, gender, credit score, driving history, insurance history, and vehicle type.

Car insurance quotes in Port Allen by rating factors 

Every driver is unique and every insurance company considers several rating factors when
calculating your car insurance premiums
.
  • Your age, gender, and demographics play a significant role because they tell insurers how likely you are to get into an accident. Teen drivers, new drivers, and senior drivers pay higher rates for coverage than middle-aged drivers in Louisiana.
  • Your credit score matters because poor credit drivers file more claims. As a result,
    they pay around 111% more
    than drivers with good credit for the same coverage in Louisiana.
  • Your driving record, claims history, and insurance history play a crucial role in determining your insurance rates. Providers don’t like it if you cause an accident, commit a violation, file a claim, or let your car insurance lapse because it costs them money.
  • Your mileage, driving habits, and location also reflect your chances of getting into a car accident. Among other things, they tell providers how much you commute (the average for Louisiana drivers
    is about 25 minutes per day
    ) and how much crime is in your neighborhood.

How do different factors impact your car insurance costs in Port Allen?

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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 Port Allen:

Cheap car insurance quotes in Port Allen after driving violations

Your insurance premiums may increase if you receive a speeding ticket occasionally, but if you receive multiple violations, your insurance company might consider you a
high-risk driver
. If you have a poor driving record, consider these suggestions when shopping for car insurance in Port Allen.

Cheapest car insurance in Port Allen after speeding ticket

In Louisiana, speeding tickets are divided into four categories, with different consequences for each offense:
  1. Speeding 1-9 mph over the limit will result in fines ranging from $115 to $285. 
  2. Speeding 10-14 mph over the limit will result in ranging from $215 to $385. 
  3. Speeding 15-20 mph over the limit will result in ranging from $240 to $410. 
  4. Speeding 21+ mph over the limit will result in fines over $240 and a possible driver’s license suspension
If you drive too fast or engage, make careless lane changes, or engage in disruptive behavior, you may be charged with
reckless driving in Louisiana
. The penalties include a fine of up to $200 and up to 90 days in jail.
In Port Allen, receiving a speeding ticket increases your insurance rates by an average of 39%. While you’ll probably have to pay a price premium for the next three to five years, you can still look for savings in the meantime.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
AAA
$75
Gavin, 31
Zip: 70767
BMW 325
• 100,000/300,000 Liability
Speeding 6-10
Travelers
$76
Harvey, 42
Zip: 70767
Nissan Pathfinder
• 50,000/100,000 Liability
coverageLast Updated Apr 10, 2024

Cheapest car insurance in Port Allen after DUI

Getting a DUI in Louisiana can result in fines, legal fees, and higher rates for car insurance. The average hike in insurance premiums after a DUI is 64% in Louisiana, a number that only increases for drivers with multiple convictions. 
Drivers with DUIs shouldn’t resign themselves to high insurance rates for life. For instance,
Progressive
may place less weight on driving violations in their calculations, so they have the potential to offer better rates for high-risk drivers. Using Jerry can help you find other providers in Port Allen who are forgiving of driving mistakes.
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Alex (40 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationPort Allen, LA
(Zip Code: 70767)
$66
per month
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Jeremy (43 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPort Allen, LA
(Zip Code: 70767)
$64
per month

Cheapest car insurance in Port Allen after an at-fault accident

If you cause a car crash, your insurance rates will spike, but not all companies increase them by the same amount. For instance,
National General
’s full coverage costs average out to $151 per month whereas a company like Progressive could be as high as $262 per month. 
As you can see below, Jerry can help you save on car insurance after an accident, just like it has helped so many other Port Allen drivers:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$254
Marvin, 45
Zip: 70767
RAM 1500 ST
• State Minimum Liability
• Comp / Collision
Not At Fault
Bristol West
$152
Raymond, 42
Zip: 70767
Nissan Frontier Crew Cab XE V6
• State Minimum Liability
At Fault With No Injury
Clearcover
$110
Georgie, 29
Zip: 70767
Hyundai Sonata GLS
• State Minimum Liability
coverageLast Updated Apr 15, 2024

Cheapest car insurance in Port Allen after other driving violations

Speeding tickets, car accidents, and DUIs aren’t the only things that can make you a high-risk driver. Regardless of what mistakes appear on your driving record, Jerry can help you find more affordable car insurance.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$64
Timothy, 30
Zip: 70767
Toyota 86
• 100,000/300,000 Liability
• Comp / Collision
Defective Equipment
Progressive
$69
Roger, 38
Zip: 70767
GEO Prizm
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 10, 2024

Cheap car insurance quotes in Port Allen by age

Younger drivers often suffer high insurance rates because of their limited driving experience. Their rates will drop once they turn 25, but they’ll rise again as they approach 75.

Cheapest car insurance in Port Allen for young drivers

Teenagers pay a lot for car insurance due to a high rate of accidents, crash fatalities, and violations among drivers aged 19 and under. Young male drivers, in particular, have
an increased rate
of unsafe driving behaviors such as speeding and driving under the influence. 
You can find
affordable car insurance for young drivers
by adding them to the family policy, looking for
good student discounts
, and taking advantage of
usage-based insurance discounts
. Comparing auto insurance quotes Jerry can also help you find the lowest base cost for coverage in Port Allen.
card cover
Kate (21 years old)
coverageCoverage
State Minimum
locationPort Allen, LA
(Zip Code: 70767)
$283
per month

Cheapest car insurance in Port Allen for senior drivers

As long as they have a clean driving record, drivers between the ages of 55 to 75 can get the lowest insurance rates of any age group. But as they approach their mid-70s, even good drivers will see their insurance rates start to increase. Older drivers have a risk of car accidents and injuries, making it difficult to find
affordable car insurance for senior drivers
.
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Kenneth (84 years old)
coverageCoverage
State Minimum
locationPort Allen, LA
(Zip Code: 70767)
carChevrolet Cruze LT
$158
per month
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Clearcover
Verna (66 years old)
coverageCoverage
State Minimum
locationPort Allen, LA
(Zip Code: 70767)
$131
per month

Cheap car insurance quotes in Port Allen based on insurance history

There's more to calculating car insurance quotes than just your driving record. Any
car insurance lapse
—whether it’s the fault of a missed renewal, an unpaid bill, or a total loss car—could mean higher rates in the future.
card cover
Loretta (42 years old)
Currently Insured
coverageCoverage
State Minimum
locationPort Allen, LA
(Zip Code: 70767)
$182
per month
card cover
Clearcover
Cecelia (26 years old)
Currently Insured
coverageCoverage
State Minimum
locationPort Allen, LA
(Zip Code: 70767)
carNissan Altima
$167
per month
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Violet (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationPort Allen, LA
(Zip Code: 70767)
$367
per month
card cover
Roxie (21 years old)
Currently Insured
coverageCoverage
State Minimum
locationPort Allen, LA
(Zip Code: 70767)
$283
per month
card cover
Cecilia (42 years old)
Currently Insured
coverageCoverage
State Minimum
locationPort Allen, LA
(Zip Code: 70767)
$182
per month

Cheap car insurance quotes in Port Allen for drivers with poor credit

The biggest car insurance companies conduct a soft credit check and factor your
credit score into their insurance premiums calculations
. On average, drivers with good credit (700 or more) pay less than those with poor credit (550 or below). It’s just a history of unpaid bills that worries them;
studies indicate
that poor credit drivers tend to file more insurance claims.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Bristol West
$231
Virginia, 50
Zip: 70767
Mitsubishi Eclipse Cross ES
• State Minimum Liability
• Comp / Collision
< 550
Clearcover
$167
Anne, 26
Zip: 70767
Nissan Altima
• State Minimum Liability
coverageLast Updated Apr 16, 2024

How to lower car insurance costs in Port Allen

1. Shop around and compare quotes

Finding cheap car insurance in Port Allen is no easy feat. Each insurance agency has its own rules for calculating premiums, and the rules often change. To get the best deal possible, experts recommend comparing quotes from at least three different companies every six months. 
Jerry can help you gather and compare quotes in Port Allen in less than a few minutes. Plus, it’s free to download and use.

 2. Hunt for car insurance discounts

There’s a huge variety of car insurance discounts, but the only way to find out which ones your provider offers is to ask. Make a call and you could find:
  • A good driver discount to reward you for safe driving habits and a clean driving record with no accidents or traffic violations.
  • A good student discount to help students with good grades score savings. 
  • A telematics discount to reward good driving habits like staying below the legal speed limit, braking gently, and limiting your mileage.
Business owners and homeowners can also money by bundling two or more insurance products together, such as:
  • Business insurance
  • Car insurance
  • Casualty insurance
  • Commercial insurance
  • Health insurance
  • Home insurance (homeowners insurance)
  • Life insurance
  • Renters insurance

3. Increase your deductible for comprehensive and collision coverage

You may be able to save a small percentage of your premiums by increasing your full coverage deductible.

Why is car insurance in Port Allen so expensive?

Port Allen—and Louisiana as a whole—has some of the highest car insurance rates in the country because it’s a risky place to drive. Louisiana had 972 car crash-related deaths
in 2021
, a rate of 21 deaths per 100,000 residents, which is more than double the national average.
Louisiana also has a higher-than-average number of licensed drivers, which increases the likelihood of accidents. And finally, it has some of the most expensive medical care costs in the country, which leads to higher liability insurance costs in Port Allen.

FAQ

What is the cheapest car insurance in Port Allen?

Jerry found that on average, car insurance in Port Allen costs $114 per month for state-minimum coverage and $157 per month for full coverage. There isn't a single insurance company that offers the lowest rates everyone, but by comparing quotes, you can find the cheapest provider for your needs. 

What is the best car insurance in Port Allen?

Affordability is an important factor in choosing a car insurance provider, but so is customer service, claims processing, and ease of renewal. Jerry conducted the largest car insurance survey in the nation and found that Port Allen policyholders prefer
Bristol West
,
Kemper
, and
National General

What is the minimum car insurance in Port Allen, Louisiana?

In Port Allen, Louisiana, every driver must carry at least 15/30/25 of liability coverage. That means at least $15,000 of bodily injury liability coverage per person, $30,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability coverage per accident.

How much is car insurance in Port Allen?

Residents of Port Allen pay an average of $114 per month, or $1,362 per year, for state-minimum liability coverage. Full coverage costs about $157 per month, or $1,884 per year. 
However, car insurance rates vary significantly based on a driver's individual circumstances. 

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
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
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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.