Cheapest car insurance in Rayville, Louisiana (Nov 2024)

Compare car insurance quotes now

in Rayville, LA, but you’ll have to decide for yourself based on the data. Here’s what real drivers had to say about the best companies in Rayville.

Insurance company	Monthly minimum coverage cost	Monthly full coverage cost	Cost rating	Overall Jerry rating
Progressive	$62	$242	3.9	4.0
State Farm	$66	$235	3.9	4.0
National General	$88	$151	4.7	4.8
Allstate	$94	$273	3.6	5.0
Clearcover	$107	$221	4.7	4.7
Kemper	$119	$220	4.3	5.0

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.

How to find the cheapest car insurance in Rayville

In Rayville, drivers usually pay about $91 a month for basic coverage, and $257 per month for full coverage. Here, the average rate is 43% more than the national figure.

Jerry

helps Rayville drivers find the best car insurance deals. Take a look at some real local rates.

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$188	Angel, 43 Zip: 71269	Nissan Rogue Sport S	• State Minimum Liability • Comp / Collision
National General	$84	Ernest, 35 Zip: 71269	GMC Acadia SLT	• 100,000/300,000 Liability • Comp / Collision
Bluefire	$117	Mildred, 55 Zip: 71269	Chevrolet Camaro LS	• State Minimum Liability • Comp / Collision

Last Updated Nov 15, 2024

Best cheap car insurance quotes in Rayville

All drivers in Rayville must carry liability coverage that fits the

Louisiana state law

minimum requirements. You don’t legally need to carry full coverage, but most drivers opt to purchase this extra protection.

Cheap minimum liability insurance quotes in Rayville

15/30/25 is the shorthand for state minimum liability requirements in Louisiana. All Rayville drivers are legally mandated to carry these policy limits:

$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

These act as your safety net if you cause an accident and need help paying for the other driver’s injuries or car repairs. You can exceed these levels, but you can’t go below them.

Angel (43 years old)

Coverage

State Minimum

Rayville, LA
(Zip Code: 71269)

Nissan Rogue Sport S

$188

per month

Lower my car insurance too!

William (50 years old)

Coverage

State Minimum

Rayville, LA
(Zip Code: 71269)

Dodge RAM 1500

$63

per month

Bluefire

Mildred (55 years old)

Coverage

State Minimum

Rayville, LA
(Zip Code: 71269)

Chevrolet Camaro LS

$117

per month

Do you need more than minimum coverage in Rayville?

Minimum coverage is enough to keep you legal behind the wheel, but it probably won’t cover all the costs of a serious accident. Let’s look at an example.

Liability coverage is 15/30/25 in Louisiana. The average cost of a hospital stay after an accident is $60,000—which far exceeds your $30,000 limit for bodily injury. If you cause an accident in which the other party’s car was totaled, you legally have to replace it. The average cost of a new car is about $40,000 which exceeds your policy limit.

Get more coverage if you can afford it, especially because allow victims to file lawsuits for up to 12 months after their accident.

Cheap full coverage car insurance quotes in Rayville

Liability coverage doesn’t actually cover your own vehicle. You’ll need full coverage car insurance if you want to submit claims and get reimbursed for damages that your own car suffered.

Full coverage

includes two types of protection:

Collision

coverage: This pays for damages from collision-related damage.

Comprehensive

coverage: This covers damages from non-collision incidents, like theft and vandalism.

Collision damage even covers pothole damage, which may come in handy for Rayville drivers as 23.3% of Louisiana’s roads are in poor condition.

State law doesn’t require full coverage, but lenders can require you to carry full coverage if you’re paying off a financed vehicle. Once you pay off the loan or conclude your lease, you can cancel full coverage if desired.

Here are some real rates from Rayville drivers who found full coverage through Jerry.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$188	Angel, 43 Zip: 71269	Nissan Rogue Sport S
• 100,000/300,000 Liability • Comp / Collision	Bristol West	$164	Ada, 35 Zip: 71269	GMC Acadia SLT
• State Minimum Liability • Comp / Collision	Bluefire	$117	Mildred, 55 Zip: 71269	Chevrolet Camaro LS

Last Updated Nov 15, 2024

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| Verified Jerry Customer

Average cost of car insurance in Rayville

The average Rayville driver will pay about $1,089 per year or $91 per month for minimum coverage. For a full coverage policy, rates rise to approximately $257 per month, or $3,088 annually.

Average rates

probably won’t be the same as your rate. Every driver has a unique risk profile, from your make and model to your claims history. Expect a different rate than the Rayville average.

Compare car insurance costs in other states

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Car insurance quotes in Rayville by rating factors

When

calculating rates

, car insurance companies take into account a variety of data points. Here are the most common factors:

Credit score: Drivers with lower credit scores tend to file more claims, so they’re charged about 97% more than a driver with better credit for the same coverage.

Driving record and claims history: A record of traffic violations and at-fault accident claims predicts future accidents, which can raise your rates.

Driving habits: Commuters pay more for coverage because they’re on the road more than people who work from home or drive infrequently.

Age and demographics: Young and senior drivers generally pay the highest rates for coverage. Gender is also a factor in Louisiana.

Where you live: Each zip code has a unique risk profile. Urban areas tend to have higher population density and higher traffic accident rates, for instance.

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

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

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 Rayville:

Cheap car insurance quotes in Rayville after driving violations

Single violations are bad, but it’s a history of tickets that can really crank up your rates and tag you as a “high-risk” driver.

If your Louisiana driving record is less than perfect, here’s what you can expect from car insurance rates in Rayville with traffic violations.

Cheapest car insurance in Rayville after speeding ticket

Firstly, expect to pay serious fines for

speeding in Louisiana

. The amount depends on how fast you were going:

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

If you were driving dangerously, you might be charged with

reckless driving

which can trigger jail time (up to 90 days) in addition to $200 in fines.

Rayville drivers with speeding tickets pay about 39% more for insurance coverage. This bump can last for three to five years until you clean up your record. However, finding savings is still possible. Check out these rates from Rayville drivers with speeding tickets who used Jerry to get coverage.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Nationwide	$72	Ricardo, 40 Zip: 71269	Chevrolet Impala	• 100,000/300,000 Liability • Comp / Collision
Speeding 6-10	Safeco	$57	Patrick, 38 Zip: 71269	Audi A6	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 19, 2024

Cheapest car insurance in Rayville after DUI

DUIs

are very serious in Louisiana, and companies charge sky-high premiums to anyone convicted of a DUI.

Rayville drivers pay about 64% more for coverage after a single DUI. You could be refused coverage, especially after multiple DUIs.

Some insurers tend to offer better rates for people with DUI convictions, like

. If you’ve got a DUI, check out these example premiums from Rayville drivers who got coverage.

Nationwide

Harry (33 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Rayville, LA
(Zip Code: 71269)

Audi A6

$61

per month

Nationwide

Ina (36 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Rayville, LA
(Zip Code: 71269)

Ford Explorer

$65

per month

Cheapest car insurance in Rayville after an at-fault accident

At-fault accidents are another red flag for insurance companies. Every company has its own formula for assessing at-fault accidents. For instance, GEICO tends to dole out the biggest rate hikes after an at-fault accident whereas

Travelers

and

tend to give lower increases.

Rayville drivers with at-fault accidents can find coverage with Jerry, like the drivers below.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With No Injury	Progressive	$138	Bruce, 25 Zip: 71269	Nissan Altima SR	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Progressive	$138	Virginia, 25 Zip: 71269	Nissan Altima SR	• State Minimum Liability • Comp / Collision

Last Updated Nov 17, 2024

Cheapest car insurance in Rayville after other driving violations

There are plenty of violations that will earn you a “high-risk” designation, from blowing through a stop sign to breaking the open container law. But whatever violations you have on record, you can use Jerry to find insurance.

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Safeco	$73	Manuel, 33 Zip: 71269	Porsche Macan	• State Minimum Liability
Defective Equipment	AAA	$57	Addie, 43 Zip: 71269	RAM 1500	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 20, 2024

Cheap car insurance quotes in Rayville by age

Drivers under 19 pay the highest rates for coverage since they have less experience behind the wheel. At age 25, rates tend to stabilize until the age of 75 when rates go up again.

Cheapest car insurance in Rayville for young drivers

Teens pay extremely high premiums for car insurance in Rayville and beyond, even if they’re good drivers. That’s because

new drivers

have a higher accident rate and higher claims filing rate than older drivers.

Rates are even higher for teen males, who tend to engage in more unsafe driving behaviors like driving without a seatbelt or driving distracted than teen female drivers.

Teens can save some money by staying on a parent’s insurance policy or unlocking a

good student discount

with good grades.

AAA

Glen (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Rayville, LA
(Zip Code: 71269)

Cadillac Escalade

$54

per month

Ola (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Rayville, LA
(Zip Code: 71269)

Acura ZDX

$57

per month

Cheapest car insurance in Rayville for senior drivers

Older drivers pay low rates until they turn 75, when their risk of getting into an accident increases noticeably. Their traffic fatality rates go up as do the costs of hospital stays after a serious accident.

Even good drivers in Rayville will notice rate hikes when they get older. Take a look.

Travelers

Martha (72 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Rayville, LA
(Zip Code: 71269)

Hyundai Sonata

$75

per month

AAA

Willie (70 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Rayville, LA
(Zip Code: 71269)

Mazda 3

$74

per month

Cheap car insurance quotes in Rayville based on insurance history

Continuous insurance is important to insurance companies. Even a short gap can raise eyebrows—and raise your rates. Companies don’t care whether you used public transit for a few years, spent time abroad, or stopped paying your bill.

The truth is that a

single lapse

can raise your rates. But you can still find coverage by shopping around with Jerry, like the Rayville drivers below

Lucy (42 years old)

Currently Insured

Coverage

State Minimum

Rayville, LA
(Zip Code: 71269)

Nissan Rogue Sport S

$188

per month

Alejandro (34 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Rayville, LA
(Zip Code: 71269)

GMC Acadia SLT

$164

per month

National General

Margaret (34 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Rayville, LA
(Zip Code: 71269)

GMC Acadia SLT

$84

per month

Terry (42 years old)

Currently Insured

Coverage

State Minimum

Rayville, LA
(Zip Code: 71269)

Nissan Rogue Sport S

$188

per month

How to get car insurance before buying a car

Essie (34 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Rayville, LA
(Zip Code: 71269)

GMC Acadia SLT

$164

per month

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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Great customer service plus they work with you on any issue you may have. Prices are fair and policy is easy to understand.

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Anthony

Very happy with National Generals service. Was skeptical at first but they are great!

Jessica

Cheap car insurance quotes in Rayville for drivers with poor credit

In Louisiana, companies are allowed to use your

credit score

to determine your car insurance premium. Good credit drivers with scores over 700 will get the lowest rates.

Low credit (< 600) drivers pay more for coverage, partially because bad credit points to a history of unpaid bills. It’s also because data shows that low-credit drivers actually file more claims than high-credit drivers.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
550 - 659	Progressive	$188	Terry, 42 Zip: 71269	Nissan Rogue Sport S	• State Minimum Liability • Comp / Collision

Last Updated Nov 21, 2024

Cheap car insurance quotes in Rayville for popular cars

Expensive, unique vehicles cost more to insure. That’s because their replacement costs are higher.

You’ll pay more coverage if you’re a Rayville driver who owns:

A performance car

A luxury car

A sports car

A brand-new vehicle

A hybrid or electric car

A unique trim or model

On the other hand, driving a popular car can help lower costs because replacement parts are easier to find (and often cheaper).

According to the Louisiana Department of Motor Vehicles, the

Honda Accord

is the most popular car in the Pelican State, followed by the

Toyota Camry

and

Nissan Altima

. Other popular choices in Rayville and throughout the state of Louisiana include Ford F-150,

Chevy Silverado

, or

GMC Sierra 1500

MORE:

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Nissan Altima SR	Progressive	$138	Lilly, 25 Zip: 71269	• State Minimum Liability • Comp / Collision

Last Updated Nov 21, 2024

Cheapest car insurance in Rayville for new vs. old car

In most cases, you’ll pay more to cover a new car than an older car. New cars cost more off the lot and they cost more to repair due to new technology.

Take a look at some of the rates drivers of different model years found with Jerry:

Mitchell (35 years old)

2016 RAM 1500 ST

Coverage

State Minimum

Rayville, LA
(Zip Code: 71269)

$142

per month

Mercury

Andre (54 years old)

2019 RAM 1500 Laramie

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Rayville, LA
(Zip Code: 71269)

$194

per month

Compare car insurance quotes now

William (50 years old)

1997 Dodge RAM 1500

Coverage

State Minimum

Rayville, LA
(Zip Code: 71269)

$63

per month

Bluefire

Mildred (55 years old)

2014 Chevrolet Camaro LS

Coverage

State Minimum

Rayville, LA
(Zip Code: 71269)

$117

per month

Why is car insurance in Rayville so expensive?

Rates are rising in every state, but Louisiana has always been one of the costliest places to drive.

Rayville rates are high due to these factors:

Drivers per capita: Louisiana has more than the average number of licensed drivers, which means a higher accident risk.

Cost of medical care: Hospital stays are expensive in Louisiana, at the 2nd highest rates in the nation according to a 2022 report from Forbes Advisor.

Car crash fatality rates: Louisiana reported 21 deaths per 100,000 residents in 2021, according to the Department of Transportation. This rate is more than twice the US average.

How to lower car insurance costs in Rayville

1. Shop around and compare quotes

Every company has a unique, secret formula for calculating your rates. These formulas change regularly, so there’s no guarantee that your current company is the best choice for the future.

Experts recommend that you shop around every six months, either with an insurance agent or broker. This is a no-obligation process where you pull custom quotes from multiple companies to see which one offers the lowest rate for your current situation.

2. Hunt for car insurance discounts

Pretty much every company offers

discounts

, but the amount of the discount and the eligibility requirements can vary.

Ask about the following discounts with your provider:

Telematics discount: Several providers offer insurance products, like telematics, to help drivers save. Sign up to allow your provider to track your driving habits and you could earn a discount for driving safely—or just for signing up.

Good driver discount: Go claims-free for several years and you could earn a nice rate reduction.

Bundling discount: Bundle your auto insurance with home insurance or renters insurance at the same company and you could get a discount on all policies.

Good student discounts: Earn a B average and get a discount—it’s simple. You just need to show proof of grade point average and enrollment.

3. Increase your deductible for comprehensive and collision coverage

Though it won’t save you much money, you could consider raising your full coverage deductible in Rayville. However, this means you’ll need to pay a higher out-of-pocket cost if you ever need that coverage.

MORE:

How to choose a car insurance deductible

FAQ

What is the cheapest car insurance in Rayville?

Drivers in Rayville generally find cheaper than average rates with

, and

National General

What is the best car insurance in Rayville?

In a recent car insurance survey, policyholders raved about

Kemper

, and

National General

. But remember that your “best” company might not be on this list. Consider claims handling behavior, customer service, and price when you’re picking a company.

What is the minimum car insurance in Rayville, Louisiana?

15/30/25 is the minimum liability coverage that all Rayville drivers must carry. That means that each person is required to have at least $15,000 per person and $30,000 per accident of bodily injury liability plus $25,000 of property damage liability.

How much is car insurance in Rayville?

Most drivers in Rayville pay, on average, $91 per month for the state minimum and $257 for full coverage. But the average doesn’t tell you much about what your rate will be. Instead, pull custom quotes based on your actual driver profile to see how much you should be paying for coverage.

Who has the cheapest car insurance rates in Louisiana?

Some studies show that Southern Farm Bureau,