Best Cheap Auto Insurance in Spearsville, LA (2021)

The average Spearsville, LA auto insurance rates are $391 per month. The minimum auto insurance in Spearsville is at least 15/30/25 in coverage to comply with Louisiana auto insurance laws. To find the best cheap auto insurance in Spearsville, 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: Jul 16, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • The cheapest auto insurance company in Spearsville is State Farm
  • The minimum auto insurance required in Spearsville, Louisiana is 15/30/25
  • The average commute length in Spearsville is 37.1 minutes

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

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

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

Minimum Auto Insurance in Spearsville, Louisiana

Spearsville, 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 Spearsville, Louisiana.

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

Auto insurance rates in Spearsville, 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 Spearsville, 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 $2,810 $3,234 $3,293 $3,979 $10,586 $11,273 $2,734 $2,697
Progressive $2,976 $2,798 $2,490 $2,663 $11,810 $13,162 $3,434 $3,557
State Farm $2,413 $2,413 $2,184 $2,184 $6,811 $8,580 $2,681 $2,999
USAA $2,346 $2,312 $2,264 $2,256 $6,980 $8,235 $2,899 $3,185

Cheap Spearsville, Louisiana Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Spearsville, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,396 $10,626
GEICO $10,586 $11,273
Progressive $11,810 $13,162
State Farm $6,811 $8,580
USAA $6,980 $8,235

Cheap Spearsville, Louisiana Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Spearsville, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,927 $3,927
GEICO $3,293 $3,979
Progressive $2,490 $2,663
State Farm $2,184 $2,184
USAA $2,264 $2,256

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

Annual Spearsville, 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 $3,460 $5,583 $6,817 $4,443
Progressive $4,472 $5,985 $5,755 $5,231
State Farm $3,493 $4,073 $3,783 $3,783
USAA $2,904 $4,016 $4,855 $3,463

Cheap Spearsville, Louisiana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Spearsville, Louisiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,806
GEICO $6,817
Progressive $5,755
State Farm $3,783
USAA $4,855

Cheap Spearsville, Louisiana Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Spearsville, Louisiana

Insurance Company Poor Fair Good
Allstate $7,120 $4,881 $4,240
GEICO $6,035 $5,239 $3,953
Progressive $6,073 $5,188 $4,822
State Farm $5,254 $3,374 $2,721
USAA $5,278 $3,354 $2,796

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Cheap Spearsville, Louisiana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Spearsville, Louisiana

ZIP Code Average Annual Rates
71277 $4,367

Cheap Spearsville, Louisiana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Spearsville, Louisiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,414 $5,414
GEICO $4,978 $5,173
Progressive $5,361 $5,361
State Farm $3,686 $3,880
USAA $3,694 $3,925

Cheap Spearsville, Louisiana Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Spearsville, Louisiana

Insurance Company Low Medium High
Allstate $4,745 $5,506 $5,990
GEICO $4,340 $5,093 $5,794
Progressive $4,628 $5,324 $6,130
State Farm $3,341 $3,774 $4,234
USAA $3,375 $3,860 $4,194

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Best By Category: Cheapest Auto Insurance in Spearsville, Louisiana

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

Best Annual Auto Insurance Rates by Company in Spearsville, 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 Spearsville, Louisiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Spearsville, Louisiana

Insurance Company Average Annual Rates
Allstate $5,414
GEICO $5,076
Progressive $5,361
State Farm $3,783
USAA $3,810

What affects auto insurance rates in Spearsville, Louisiana?

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

Spearsville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Spearsville, Louisiana commute length is 37.1 minutes according to City-Data.

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Compare Spearsville, Louisiana Auto Insurance Quotes

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