Car insurance in Port Allen for an adult with a clean driving record and good insurance score costs $2,883 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Port Allen by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Port Allen.

Key Highlights
  • Car insurance in Port Allen is more expensive than car insurance in Louisiana for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Port Allen is $2,883 per year or $240 per month.
  • In Port Allen, Southern Farm Bureau offers the cheapest full coverage car insurance at $149 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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What is the average cost of car insurance in Port Allen, LA?

The average auto insurance rates in Port Allen, LA at various coverage levels are listed below:

  • State minimum: $784 per year
  • Liability-only coverage (50/100/50): $1,390 per year
  • Full coverage (100/300/100): $2,883 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Southern Farm Bureau$499$882$1,783
USAA$533$935$1,870
State Farm$674$1,232$2,398
Geico$500$1,083$2,577
Progressive$889$1,708$3,811
Safeway Insurance$1,570$2,080$3,860
Auto Club Enterprises (AAA)$822$1,808$3,882

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Port Allen, LA?

Out of all the carriers available in Port Allen, Southern Farm Bureau offers the cheapest full coverage car insurance at $149 per month.

The second-cheapest car insurance company in Port Allen is USAA, offering car insurance at $156 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Southern Farm Bureau$149
USAA$156
State Farm$200
Geico$215
Progressive$318
Safeway Insurance$322
Auto Club Enterprises (AAA)$324

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Port Allen, LA?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Louisiana is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Port Allen, LA

See the average annual premium for drivers with two speeding tickets on their records in Port Allen, LA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$217
USAA$230
Progressive$493
Auto Club Enterprises$601
Geico$776

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Port Allen, LA

See the average annual premium for a driver convicted of DUI in Port Allen, LA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$217
USAA$242
Auto Club Enterprises$466
Progressive$481
Geico$834

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Port Allen, LA

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Port Allen, LA, by age

Age is a key factor when considering car insurance rates in most cities, including Port Allen – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Auto Club Enterprises (AAA)$4,223
16Geico$809
16Progressive$2,315
16Safeway Insurance$935
16Southern Farm Bureau$593
16State Farm$710
16USAA$596
17Auto Club Enterprises (AAA)$1,361
17Geico$642
17Progressive$2,266
17Safeway Insurance$935
17Southern Farm Bureau$367
17State Farm$625
17USAA$404
18Auto Club Enterprises (AAA)$1,187
18Geico$670
18Progressive$2,002
18Safeway Insurance$935
18Southern Farm Bureau$333
18State Farm$552
18USAA$335
19Auto Club Enterprises (AAA)$1,034
19Geico$530
19Progressive$935
19Safeway Insurance$703
19Southern Farm Bureau$305
19State Farm$486
19USAA$291
20Auto Club Enterprises (AAA)$881
20Geico$479
20Progressive$802
20Safeway Insurance$703
20Southern Farm Bureau$282
20State Farm$427
20USAA$261
21Auto Club Enterprises (AAA)$680
21Geico$374
21Progressive$592
21Safeway Insurance$622
21Southern Farm Bureau$263
21State Farm$368
21USAA$242
22Auto Club Enterprises (AAA)$609
22Geico$328
22Progressive$525
22Safeway Insurance$622
22Southern Farm Bureau$247
22State Farm$334
22USAA$227
23Auto Club Enterprises (AAA)$565
23Geico$306
23Progressive$473
23Safeway Insurance$482
23Southern Farm Bureau$233
23State Farm$299
23USAA$215
24Auto Club Enterprises (AAA)$512
24Geico$278
24Progressive$423
24Safeway Insurance$482
24Southern Farm Bureau$221
24State Farm$273
24USAA$206
25Auto Club Enterprises (AAA)$411
25Geico$267
25Progressive$380
25Safeway Insurance$434
25Southern Farm Bureau$210
25State Farm$242
25USAA$191
30Auto Club Enterprises (AAA)$332
30Geico$228
30Progressive$346
30Safeway Insurance$349
30Southern Farm Bureau$176
30State Farm$202
30USAA$168
35Auto Club Enterprises (AAA)$326
35Geico$219
35Progressive$333
35Safeway Insurance$345
35Southern Farm Bureau$158
35State Farm$199
35USAA$161
40Auto Club Enterprises (AAA)$324
40Geico$215
40Progressive$318
40Safeway Insurance$322
40Southern Farm Bureau$149
40State Farm$200
40USAA$156
45Auto Club Enterprises (AAA)$319
45Geico$212
45Progressive$312
45Safeway Insurance$318
45Southern Farm Bureau$144
45State Farm$200
45USAA$152
50Auto Club Enterprises (AAA)$315
50Geico$220
50Progressive$297
50Safeway Insurance$289
50Southern Farm Bureau$143
50State Farm$197
50USAA$148
55Auto Club Enterprises (AAA)$310
55Geico$218
55Progressive$286
55Safeway Insurance$289
55Southern Farm Bureau$145
55State Farm$192
55USAA$146
60Auto Club Enterprises (AAA)$324
60Geico$213
60Progressive$286
60Safeway Insurance$291
60Southern Farm Bureau$151
60State Farm$189
60USAA$147
65Auto Club Enterprises (AAA)$355
65Geico$210
65Progressive$364
65Safeway Insurance$291
65Southern Farm Bureau$175
65State Farm$206
65USAA$164
70Auto Club Enterprises (AAA)$355
70Geico$202
70Progressive$364
70Safeway Insurance$291
70Southern Farm Bureau$175
70State Farm$206
70USAA$164
75Auto Club Enterprises (AAA)$355
75Geico$194
75Progressive$364
75Safeway Insurance$291
75Southern Farm Bureau$175
75State Farm$206
75USAA$164

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Port Allen, LA, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
USAA$265
Progressive$603
Geico$631
Auto Club Enterprises (AAA)$850
State Farm$911

Final thoughts: Car insurance cost in Port Allen, LA

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Port Allen, LA. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Port Allen, Louisiana.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.