Best Cheap Auto Insurance in Ponchatoula, LA (2021)

The average Ponchatoula, LA auto insurance rates are $490 per month. The minimum auto insurance in Ponchatoula is at least 15/30/25 in coverage to comply with Louisiana auto insurance laws. To find the best cheap auto insurance in Ponchatoula, 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 average commute length in Ponchatoula is 33.1 minutes
  • The minimum auto insurance required in Ponchatoula, Louisiana is 15/30/25
  • The cheapest auto insurance company in Ponchatoula is USAA

Ponchatoula, Louisiana auto insurance requirements are 15/30/25 according to Louisiana auto insurance laws. Finding cheap auto insurance in Ponchatoula 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 Ponchatoula, Louisiana, including driving record, credit, commute time, and more.

Compare auto insurance in Ponchatoula to other Louisiana cities, including Kenner auto insurance rates, New Orleans auto insurance rates, and Houma auto insurance rates to see how Ponchatoula, Louisiana auto insurance rates stack up.

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

Minimum Auto Insurance in Ponchatoula, Louisiana

Ponchatoula, 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 Ponchatoula, Louisiana.

Minimum Required Auto Insurance Coverage in Ponchatoula, 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 Ponchatoula, Louisiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Ponchatoula, 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 Ponchatoula, 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 $4,283 $4,283 $4,434 $4,434 $9,477 $11,982 $4,741 $5,141
GEICO $3,403 $3,915 $4,087 $4,990 $12,534 $13,179 $3,271 $3,155
Progressive $4,609 $4,292 $3,860 $4,188 $18,249 $20,263 $5,235 $5,290
State Farm $2,847 $2,847 $2,624 $2,624 $8,428 $10,558 $3,175 $3,561
USAA $2,732 $2,688 $2,668 $2,646 $8,108 $9,494 $3,340 $3,651

Cheap Ponchatoula, Louisiana Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ponchatoula, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,477 $11,982
GEICO $12,534 $13,179
Progressive $18,249 $20,263
State Farm $8,428 $10,558
USAA $8,108 $9,494

Cheap Ponchatoula, Louisiana Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ponchatoula, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,434 $4,434
GEICO $4,087 $4,990
Progressive $3,860 $4,188
State Farm $2,624 $2,624
USAA $2,668 $2,646

Cheap Ponchatoula, 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 Ponchatoula, Louisiana compared to the annual auto insurance rates with a clean record in Ponchatoula, Louisiana.

Annual Ponchatoula, Louisiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,823 $7,361 $6,546 $5,658
GEICO $4,124 $6,657 $8,190 $5,297
Progressive $6,869 $9,220 $8,866 $8,037
State Farm $4,199 $4,967 $4,583 $4,583
USAA $3,375 $4,680 $5,583 $4,026

Cheap Ponchatoula, Louisiana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ponchatoula, Louisiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,546
GEICO $8,190
Progressive $8,866
State Farm $4,583
USAA $5,583

Cheap Ponchatoula, Louisiana Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ponchatoula, Louisiana

Insurance Company Poor Fair Good
Allstate $8,011 $5,496 $4,784
GEICO $7,217 $6,263 $4,720
Progressive $9,321 $7,991 $7,432
State Farm $6,343 $4,094 $3,312
USAA $6,095 $3,897 $3,256

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Cheap Ponchatoula, Louisiana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ponchatoula, Louisiana

ZIP Code Average Annual Rates
70454 $5,519

Cheap Ponchatoula, Louisiana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ponchatoula, Louisiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,097 $6,097
GEICO $5,948 $6,186
Progressive $8,248 $8,248
State Farm $4,466 $4,700
USAA $4,278 $4,554

Cheap Ponchatoula, Louisiana Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ponchatoula, Louisiana

Insurance Company Low Medium High
Allstate $5,308 $6,206 $6,777
GEICO $4,969 $6,089 $7,143
Progressive $6,706 $8,170 $9,868
State Farm $3,946 $4,571 $5,233
USAA $3,809 $4,488 $4,952

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Best By Category: Cheapest Auto Insurance in Ponchatoula, Louisiana

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

Best Annual Auto Insurance Rates by Company in Ponchatoula, Louisiana

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

The Cheapest Ponchatoula, Louisiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ponchatoula, Louisiana

Insurance Company Average Annual Rates
Allstate $6,097
GEICO $6,067
Progressive $8,248
State Farm $4,583
USAA $4,416

What affects auto insurance rates in Ponchatoula, Louisiana?

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

Ponchatoula Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Ponchatoula, Louisiana auto theft statistics, there have been 18 auto thefts in the city.

Ponchatoula Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ponchatoula, Louisiana commute length is 33.1 minutes according to City-Data.

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Compare Ponchatoula, Louisiana Auto Insurance Quotes

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