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Cheapest car insurance in Rayville, Louisiana (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Rayville, Louisiana.
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Bonnie Stinson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

Best car insurance companies in Rayville

Price, claims handling, and customer service all matter when it comes to choosing an insurance company. What’s the use of a cheap policy if you can’t get someone on the phone when you need help?
In a recent Jerry survey, over 15,000 real policyholders rated top companies on a variety of factors, including claims handling, customer service, and cost-effectiveness.
Your neighbor might say you should pick
State Farm
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
$62
$242
3.9
4.0
$66
$235
3.9
4.0
$88
$151
4.7
4.8
$94
$273
3.6
5.0
Clearcover
$107
$221
4.7
4.7
$119
$220
4.3
5.0
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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.

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 companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$188
Dylan, 42
Zip: 71269
Nissan Rogue Sport S
• State Minimum Liability
• Comp / Collision
Bristol West
$164
Charlotte, 34
Zip: 71269
GMC Acadia SLT
• 100,000/300,000 Liability
• Comp / Collision
Mercury
$194
Bertha, 53
Zip: 71269
RAM 1500 Laramie
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 22, 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:
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.
card cover
Dylan (42 years old)
coverageCoverage
State Minimum
locationRayville, LA
(Zip Code: 71269)
carNissan Rogue Sport S
$188
per month
card cover
Ryan (49 years old)
coverageCoverage
State Minimum
locationRayville, LA
(Zip Code: 71269)
carDodge RAM 1500
$69
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 coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$188
Dylan, 42
Zip: 71269
Nissan Rogue Sport S
• 100,000/300,000 Liability
• Comp / Collision
Mercury
$194
Bertha, 53
Zip: 71269
RAM 1500 Laramie
• 100,000/300,000 Liability
• Comp / Collision
Bristol West
$164
Charlotte, 34
Zip: 71269
GMC Acadia SLT
coverageLast Updated Jul 22, 2024
Comparing quotes to find the cheapest rate is fast and free with Jerry, the top-rated insurance comparison app.
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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.

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?

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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 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 TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Safeco
$64
Edward, 43
Zip: 71269
Toyota Corolla
• 100,000/300,000 Liability
Speeding 6-10
Safeco
$55
Nettie, 31
Zip: 71269
Infiniti G37
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 22, 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
Progressive
. If you’ve got a DUI, check out these example premiums from Rayville drivers who got coverage.
card cover
Angel (43 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationRayville, LA
(Zip Code: 71269)
$84
per month
card cover
Corey (33 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationRayville, LA
(Zip Code: 71269)
$58
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
State Farm
tend to give lower increases.
Rayville drivers with at-fault accidents can find coverage with Jerry, like the drivers below.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$138
Martin, 25
Zip: 71269
Nissan Altima SR
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Progressive
$138
Duane, 25
Zip: 71269
Nissan Altima SR
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$73
Larry, 37
Zip: 71269
Lexus GX
• State Minimum Liability
Defective Equipment
Nationwide
$65
Jeremiah, 38
Zip: 71269
Audi A6
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 21, 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.
card cover
Jennie (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationRayville, LA
(Zip Code: 71269)
$63
per month
card cover
Blanche (18 years old)
coverageCoverage
State Minimum
locationRayville, LA
(Zip Code: 71269)
$71
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.
card cover
Lena (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationRayville, LA
(Zip Code: 71269)
$76
per month
card cover
Melvin (71 years old)
coverageCoverage
State Minimum
locationRayville, LA
(Zip Code: 71269)
$59
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
card cover
Ann (42 years old)
Currently Insured
coverageCoverage
State Minimum
locationRayville, LA
(Zip Code: 71269)
carNissan Rogue Sport S
$188
per month
card cover
Jeff (34 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationRayville, LA
(Zip Code: 71269)
carGMC Acadia SLT
$164
per month
card cover
Eva (34 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationRayville, LA
(Zip Code: 71269)
carGMC Acadia SLT
$84
per month
card cover
Carlos (42 years old)
Currently Insured
coverageCoverage
State Minimum
locationRayville, LA
(Zip Code: 71269)
carNissan Rogue Sport S
$188
per month
card cover
Dustin (34 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationRayville, LA
(Zip Code: 71269)
carGMC Acadia SLT
$164
per month

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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Progressive
$188
Carlos, 42
Zip: 71269
Nissan Rogue Sport S
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 22, 2024

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.

FAQ

What is the cheapest car insurance in Rayville?

Drivers in Rayville generally find cheaper than average rates with
Progressive
,
State Farm
, and
National General
.

What is the best car insurance in Rayville?

In a recent car insurance survey, policyholders raved about
Bristol West
,
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,
State Farm
, GEICO, and
USAA
offer the cheapest rates in Louisiana. But every driver is different. Pull custom quotes with Jerry to find out which company offers you the best possible rate.

Why is car insurance so high in Louisiana?

The high cost of healthcare, high traffic accident rates, and overactive legal sector contribute to high insurance costs in Louisiana. Of course, rates are on the rise across the country, not just in Louisiana.

Did car insurance go up in Louisiana in 2023?

Louisiana rates have increased in recent years—more than 17%, according to the Washington Post. This is partially due to the national cost of living crisis in addition to the rise in natural disasters associated with climate change.

What age does car insurance go down in Louisiana?

Most drivers will see rates go down around age 25. Drive safely as a young driver and you’ll enjoy better rates when you age out of the “high-risk” category that includes teens. All drivers should shop around to find low rates, especially teens and young adults.

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
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
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
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.