Best Cheap Auto Insurance in St. James, LA (2021)

The average St. James, LA auto insurance rates are $501 per month. The minimum auto insurance in St. James is at least 15/30/25 in coverage to comply with Louisiana auto insurance laws. To find the best cheap auto insurance in St. James, 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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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 most expensive auto insurance company in St. James for teen drivers is Progressive
  • The average commute length in St. James is 25.9 minutes
  • The cheapest auto insurance company in St. James is USAA

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

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

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

Minimum Auto Insurance in St. James, Louisiana

St. James, 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 St. James, Louisiana.

Minimum Required Auto Insurance Coverage in St. James, 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 St. James, Louisiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in St. James, 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 St. James, 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 $3,674 $3,674 $3,802 $3,802 $7,983 $10,034 $4,051 $4,383
GEICO $3,451 $3,979 $4,099 $4,986 $13,006 $13,772 $3,345 $3,260
Progressive $4,855 $4,509 $4,074 $4,424 $19,384 $21,505 $5,506 $5,550
State Farm $3,107 $3,107 $2,869 $2,869 $9,379 $11,753 $3,472 $3,899
USAA $3,019 $2,968 $2,949 $2,921 $8,998 $10,542 $3,692 $4,033

Cheap St. James, Louisiana Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in St. James, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,983 $10,034
GEICO $13,006 $13,772
Progressive $19,384 $21,505
State Farm $9,379 $11,753
USAA $8,998 $10,542

Cheap St. James, Louisiana Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in St. James, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,802 $3,802
GEICO $4,099 $4,986
Progressive $4,074 $4,424
State Farm $2,869 $2,869
USAA $2,949 $2,921

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

Annual St. James, Louisiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,090 $6,236 $5,568 $4,808
GEICO $4,231 $6,852 $8,434 $5,432
Progressive $7,262 $9,767 $9,379 $8,496
State Farm $4,622 $5,492 $5,057 $5,057
USAA $3,732 $5,179 $6,193 $4,457

Cheap St. James, Louisiana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in St. James, Louisiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,568
GEICO $8,434
Progressive $9,379
State Farm $5,057
USAA $6,193

Cheap St. James, Louisiana Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in St. James, Louisiana

Insurance Company Poor Fair Good
Allstate $6,767 $4,672 $4,087
GEICO $7,421 $6,439 $4,852
Progressive $9,847 $8,459 $7,873
State Farm $7,014 $4,513 $3,644
USAA $6,759 $4,313 $3,599

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Cheap St. James, Louisiana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in St. James, Louisiana

ZIP Code Average Annual Rates
70086 $5,660

Cheap St. James, Louisiana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in St. James, Louisiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,175 $5,175
GEICO $6,119 $6,355
Progressive $8,726 $8,726
State Farm $4,926 $5,188
USAA $4,738 $5,042

Cheap St. James, Louisiana Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in St. James, Louisiana

Insurance Company Low Medium High
Allstate $4,458 $5,272 $5,796
GEICO $5,249 $6,261 $7,202
Progressive $7,061 $8,641 $10,475
State Farm $4,343 $5,045 $5,783
USAA $4,242 $4,967 $5,462

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Best By Category: Cheapest Auto Insurance in St. James, Louisiana

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

Best Annual Auto Insurance Rates by Company in St. James, Louisiana

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

The Cheapest St. James, Louisiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in St. James, Louisiana

Insurance Company Average Annual Rates
Allstate $5,175
GEICO $6,237
Progressive $8,726
State Farm $5,057
USAA $4,890

What affects auto insurance rates in St. James, Louisiana?

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

St. James Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. James, Louisiana commute length is 25.9 minutes according to City-Data.

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Compare St. James, Louisiana Auto Insurance Quotes

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