Best Ruston, LA Car Insurance in 2024
Car insurance in Ruston, LA averages $394 a month. Ruston, Louisiana car insurance requirements are 15/30/25, but you might need full coverage insurance if your car is financed. To find cheap Ruston car insurance rates, compare quotes from the top car insurance companies in Ruston, LA.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Ruston, LA are $4,728/year
- Average car insurance rates in Ruston, LA after a DUI are $5,438/year
- The cheapest car insurance company in Ruston for teen drivers is USAA
If you need to buy Ruston, Louisiana car insurance, the options can be confusing. Everything you need to know about car insurance in Ruston, LA is right here.
You’ll find Ruston car insurance rates, the cheapest Ruston, LA car insurance companies, and information on Louisiana car insurance laws. You can also compare Ruston, Louisiana car insurance rates to Kenner car insurance rates, Shreveport car insurance rates, and Houma car insurance rates.
Ready to find affordable Ruston, LA car insurance today? Enter your ZIP code for fast, free Ruston car insurance quotes.
Cheapest Ruston, LA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Ruston, LA car insurance rates? Every Ruston, Louisiana car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $4,068 | $4,068 | $4,198 | $4,198 | $8,860 | $11,171 | $4,492 | $4,867 |
| Geico | $2,789 | $3,213 | $3,274 | $3,960 | $10,533 | $11,212 | $2,715 | $2,675 |
| Progressive | $3,025 | $2,836 | $2,537 | $2,715 | $12,146 | $13,524 | $3,487 | $3,607 |
| State Farm | $2,342 | $2,342 | $2,140 | $2,140 | $6,883 | $8,635 | $2,611 | $2,940 |
| USAA | $2,230 | $2,197 | $2,154 | $2,147 | $6,616 | $7,799 | $2,754 | $3,026 |
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Minimum Car Insurance in Ruston, LA
Every driver must carry the minimum car insurance required by the state in Ruston, LA. Take a look at the Louisiana car insurance requirements.
| 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 |
Cheapest Ruston, LA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Ruston, LA. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Ruston from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,532 | $5,174 | $4,515 |
| Geico | $6,000 | $5,209 | $3,930 |
| Progressive | $6,202 | $5,311 | $4,942 |
| State Farm | $5,213 | $3,349 | $2,701 |
| USAA | $5,005 | $3,185 | $2,656 |
Cheapest Ruston, LA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Ruston, LA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,556 | $6,907 | $6,161 | $5,337 |
| Geico | $3,438 | $5,551 | $6,785 | $4,412 |
| Progressive | $4,572 | $6,134 | $5,887 | $5,346 |
| State Farm | $3,446 | $4,062 | $3,754 | $3,754 |
| USAA | $2,759 | $3,813 | $4,601 | $3,289 |
Cheapest Ruston, LA Car Insurance for Teen Drivers
Teen car insurance in Ruston, LA can be expensive. Take a look at rates from the top car insurance companies in Ruston for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,860 | $11,171 |
| Geico | $10,533 | $11,212 |
| Progressive | $12,146 | $13,524 |
| State Farm | $6,883 | $8,635 |
| USAA | $6,616 | $7,799 |
Cheapest Ruston, LA Car Insurance for Seniors
Take a look at Ruston, LA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,198 | $4,198 |
| Geico | $3,274 | $3,960 |
| Progressive | $2,537 | $2,715 |
| State Farm | $2,140 | $2,140 |
| USAA | $2,154 | $2,147 |
Cheapest Ruston, LA Car Insurance Rates After a DUI
A DUI in Ruston, LA increases car insurance rates. Compare Ruston, Louisiana car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,161 |
| Geico | $6,785 |
| Progressive | $5,887 |
| State Farm | $3,754 |
| USAA | $4,601 |
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Cheapest Ruston, LA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Ruston, LA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,740 | $5,740 |
| Geico | $4,950 | $5,143 |
| Progressive | $5,485 | $5,485 |
| State Farm | $3,659 | $3,849 |
| USAA | $3,506 | $3,725 |
Cheapest Ruston, LA Car Insurance Rates by ZIP Code
Ruston car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Ruston, LA.
| ZIP Code | Average Annual Rates |
|---|---|
| 71270 | $4,375 |
| 71272 | $4,445 |
The Best Cheap Car Insurance Companies in Ruston, LA
Take a look at a side-by-side comparison of the top car insurance companies in Ruston, LA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,740 |
| Geico | $5,046 |
| Progressive | $5,485 |
| State Farm | $3,754 |
| USAA | $3,615 |
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Category Winners: Cheapest Car Insurance in Ruston, Louisiana
Find the cheapest car insurance companies in Ruston, LA for each category right here.
| 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 |
Cheapest Ruston, LA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Ruston car insurance rates. Find the cheapest Ruston, LA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,972 | $5,845 | $6,404 |
| Geico | $4,311 | $5,063 | $5,765 |
| Progressive | $4,724 | $5,446 | $6,284 |
| State Farm | $3,286 | $3,746 | $4,231 |
| USAA | $3,201 | $3,663 | $3,982 |
What affects car insurance rates in Ruston, Louisiana?
What are the factors that affect car insurance rates in Ruston, LA? There are several reasons why Ruston car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ruston, Louisiana.
Car Theft in Ruston
High levels of vehicle theft can make car insurance more expensive. Ruston, LA car theft statistics from the FBI indicate 8 vehicle thefts a year.
Commute Time in Ruston
The more time you spend in your car the higher the risk of an accident. The average commute length in Ruston, LA is 13.5 minutes according to City-Data.
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Compare Car Insurance Quotes in Ruston, LA
Ready to find affordable Ruston, Louisiana car insurance today? Enter your ZIP code for fast, free Ruston, LA car insurance quotes.
Frequently Asked Questions
How are car insurance rates determined in Ruston, LA?
Car insurance rates in Ruston, LA are determined by several factors, including your driving record, age, gender, type of vehicle, coverage limits, and deductibles. Insurance companies also consider local factors such as the crime rate and accident history in the area.
Are car insurance rates higher in Ruston compared to other cities in Louisiana?
Car insurance rates can vary between cities, and Ruston may have different rates compared to other cities in Louisiana. Factors such as population density, traffic congestion, and local driving habits can influence insurance rates.
What are the average car insurance rates in Ruston, LA?
The average car insurance rates in Ruston, LA can vary depending on the factors mentioned earlier. On average, Ruston residents may pay around $1,500 to $2,000 per year for car insurance coverage. However, it’s essential to get personalized quotes from insurance providers to determine the exact cost for your specific situation.
How can I get affordable car insurance rates in Ruston, LA?
To get more affordable car insurance rates in Ruston, LA, consider the following:
- Compare quotes from multiple insurance companies to find the best rate.
- Maintain a clean driving record and avoid traffic violations.
- Opt for higher deductibles, but make sure you can afford them in case of an accident.
- Take advantage of discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, or discounts for bundling multiple vehicles.
Are there any specific discounts available for Ruston, LA residents?
Insurance companies may offer various discounts specifically for Ruston, LA residents. Some common discounts include safe driver discounts, good student discounts, multi-policy discounts, and discounts for safety features on your vehicle. It’s best to check with individual insurance providers to see which discounts are available to you.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.