Best Cheap Auto Insurance in Homer, LA (2021)

The average Homer, LA auto insurance rates are $386 per month. The minimum auto insurance in Homer is at least 15/30/25 in coverage to comply with Louisiana auto insurance laws. To find the best cheap auto insurance in Homer, Louisiana, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Homer, Louisiana is 15/30/25
  • The cheapest auto insurance company in Homer is USAA
  • Average auto insurance rates in Homer, LA for senior drivers are $2,885 per year

Homer, Louisiana auto insurance requirements are 15/30/25 according to Louisiana auto insurance laws. Finding cheap auto insurance in Homer can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Homer, Louisiana, including driving record, credit, commute time, and more.

Compare auto insurance in Homer to other Louisiana cities, including Shreveport auto insurance rates, Lake Charles auto insurance rates, and Monroe auto insurance rates to see how Homer, Louisiana auto insurance rates stack up.

Before you buy Homer, Louisiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Homer, Louisiana auto insurance quotes.

Minimum Auto Insurance in Homer, Louisiana

Homer, Louisiana auto insurance laws require that you have at least the Louisiana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Homer, Louisiana.

Minimum Required Auto Insurance Coverage in Homer, Louisiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Homer, Louisiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Homer, Louisiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Homer, Louisiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,816 $3,816 $3,927 $3,927 $8,396 $10,626 $4,221 $4,581
GEICO $2,786 $3,204 $3,267 $3,949 $10,469 $11,142 $2,710 $2,670
Progressive $2,940 $2,766 $2,460 $2,628 $11,669 $13,008 $3,396 $3,523
State Farm $2,396 $2,396 $2,173 $2,173 $6,848 $8,610 $2,666 $2,994
USAA $2,255 $2,225 $2,172 $2,169 $6,642 $7,842 $2,789 $3,067

Cheap Homer, Louisiana Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Homer, Louisiana is a challenge. Take a look at the annual teen auto insurance rates in Homer, Louisiana.

Annual Auto Insurance Rates for Teen Drivers in Homer, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,396 $10,626
GEICO $10,469 $11,142
Progressive $11,669 $13,008
State Farm $6,848 $8,610
USAA $6,642 $7,842

Cheap Homer, Louisiana Auto Insurance for Seniors

What are senior auto insurance rates in Homer, Louisiana? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Homer, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,927 $3,927
GEICO $3,267 $3,949
Progressive $2,460 $2,628
State Farm $2,173 $2,173
USAA $2,172 $2,169

Cheap Homer, Louisiana Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Homer, Louisiana compared to the annual auto insurance rates with a clean record in Homer, Louisiana.

Annual Homer, Louisiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,300 $6,515 $5,806 $5,034
GEICO $3,426 $5,526 $6,747 $4,399
Progressive $4,421 $5,915 $5,688 $5,171
State Farm $3,486 $4,078 $3,782 $3,782
USAA $2,783 $3,839 $4,643 $3,315

Cheap Homer, Louisiana Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Homer, Louisiana is not easy. Compare the annual rates for DUI auto insurance in Homer, Louisiana to find the best deal.

Annual Auto Insurance Rates After a DUI in Homer, Louisiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,806
GEICO $6,747
Progressive $5,688
State Farm $3,782
USAA $4,643

Cheap Homer, Louisiana Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Homer, Louisiana annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Homer, Louisiana

Insurance Company Poor Fair Good
Allstate $7,120 $4,881 $4,240
GEICO $5,974 $5,186 $3,913
Progressive $6,003 $5,127 $4,766
State Farm $5,252 $3,373 $2,721
USAA $5,054 $3,208 $2,673

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Cheap Homer, Louisiana Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Homer, Louisiana can vary. Compare the annual cost of auto insurance by ZIP code in Homer, Louisiana to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Homer, Louisiana

ZIP Code Average Annual Rates
71040 $4,314

Cheap Homer, Louisiana Auto Insurance Rates By Commute

Commute length and annual mileage affect Homer, Louisiana auto insurance. Find the cheapest annual Homer, Louisiana auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Homer, Louisiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,414 $5,414
GEICO $4,928 $5,121
Progressive $5,299 $5,299
State Farm $3,686 $3,878
USAA $3,534 $3,756

Cheap Homer, Louisiana Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Homer, Louisiana? Check out the comparison of annual Homer, Louisiana auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Homer, Louisiana

Insurance Company Low Medium High
Allstate $4,745 $5,506 $5,990
GEICO $4,289 $5,041 $5,743
Progressive $4,593 $5,263 $6,040
State Farm $3,343 $3,774 $4,230
USAA $3,236 $3,693 $4,007

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Best By Category: Cheapest Auto Insurance in Homer, Louisiana

Compare the cheapest auto insurance companies in Homer, Louisiana in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Homer, Louisiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Homer, Louisiana Auto Insurance Companies

What auto insurance companies in Homer, Louisiana are the cheapest? Compare the top Homer, Louisiana auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Homer, Louisiana

Insurance Company Average Annual Rates
Allstate $5,414
GEICO $5,025
Progressive $5,299
State Farm $3,782
USAA $3,645

What affects auto insurance rates in Homer, Louisiana?

There are a lot of reasons why auto insurance rates in Homer, Louisiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Homer, Louisiana. Many local factors may affect your Homer auto insurance rates.

Homer Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Homer, Louisiana commute length is 22.8 minutes according to City-Data.

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Compare Homer, Louisiana Auto Insurance Quotes

Before you buy Homer, Louisiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Homer, Louisiana auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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