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Get Cheap Car Insurance in Allen Parish, LA

We monitor insurance prices, helping the average driver in Allen Parish save up to 33.9% on car insurance.

 

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The Cheapest Minimum Coverage in Allen Parish

The chart below shows the cheapest car insurance company in Allen Parish for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by State Farm, Safeco Insurance, and Clearcover.

 
Allen Parish Insurer Monthly Cost
Farm Bureau $106
State Farm $125
Safeco Insurance $126
Clearcover $139

Savings for Every Kind of Allen Parish Driver

The table shows how much the average auto insurance customer in Allen Parish might save by following our recommendations.

Based on our extensive insurance data, we know the average Allen Parish driver will save about 28% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $810 per year by choosing the right vehicle insurance company. Some Allen Parish residents are paying out over $2,911 extra every year for auto insurance in Allen Parish. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Allen Parish, LA Savings / Yr.
Drivers with good records
$810
Drivers with accidents
$1,420
Drivers with speeding tickets
$1,011
Drivers with a DUI conviction
$1,525
Young drivers
$2,418
Married drivers
$751
Drivers with bad credit
$1,291

Allen Parish Car Insurance vs. Louisiana

People living in Allen Parish pay an average of 3.38% less than the typical driver in the state. The average driver in Allen Parish can expect to pay about $1,842 per year, or $2,911 for full coverage.

Based on our analysis, Farm Bureau will be the cheapest provider in Allen Parish for most people.

Car Insurance Prices by Allen Parish Neighborhood

Allen Parish, LA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Allen Parish?

The map shows insurance prices in and around Allen Parish, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $643 per year within the county boundaries, with insurance premiums ranging from a high of $3,444 to a low of $2,801. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the North parts of Allen Parish.

Pick the Best Car Insurance Company for You in Allen Parish

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Allen Parish insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Allen Parish

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $810 over the average Allen Parish car insurance company.

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We use the average good driver, paying $175 per month, as our baseline for pricing in Allen Parish. Farm Bureau, MetLife, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Allen Parish drivers with accidents on their records

In Allen Parish getting into an accident will raise premiums an average 35% for a yearly cost of $4,507. That's $1,596 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Farm Bureau, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $1,420 over the competition.

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The best car insurance company for Allen Parish drivers with speeding tickets

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $1,011 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Allen Parish, tickets raise premiums on new quotes about $777. If you have a speeding ticket, we recommend State Farm, Farm Bureau, and Clearcover for savings that beat the average insurance cost of $3,688 per year.

The best auto insurance for Allen Parish drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,571 per year in auto insurance premiums, which was $1,660 more than a driver with no major issues. State Farm, Farm Bureau, and Clearcover penalized their customers the least for a DUI.

Getting a quote from Farm Bureau may cost the average person with a DUI about $1,525 less each year.

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The least expensive car insurance company for new and young drivers in Allen Parish

In Allen Parish, Farm Bureau costs young drivers $2,418 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 59% more for insurance than more mature drivers in Allen Parish. With an average cost of $7,142 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like Geico, Allstate, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Allen Parish

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $325. State Farm, Progressive, and Farm Bureau provided the largest discounts to couples living in Allen Parish.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $751 saved each year compared to an average Allen Parish couple's premiums.

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The cheapest car insurance in Allen Parish for drivers with bad credit

People with poor credit saved an average of $1,291 with Farm Bureau.

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Many people are surprised that their poor credit score can cost them an average of $1,818 every year. Premiums for people with poor credit were about $4,730 in Allen Parish. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Farm Bureau, and Midvale Home & Auto.

The best Allen Parish car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Allen Parish, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Allen Parish.

Nationwide was the best company for customer service in Allen Parish according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Allen Parish, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Allen Parish. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Allen Parish

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 21% of Allen Parish residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Allen Parish driver can expect to pay about $222 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Allen Parish, USAA has the best prices for drivers with speeding tickets, young drivers, drivers with bad credit, drivers with accidents, good drivers, drivers with a DUI conviction, and married couples.
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Auto Insurance Prices in and Around Allen Parish

What Influences the Cost of Car Insurance in Allen Parish?

On average, car insurance in Allen Parish is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Allen Parish is 34 minutes, which is a little more than average for a driver in the state.
  • Louisiana state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Allen Parish are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Allen Parish is a fairly densely populated area in the state. The county’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Allen Parish is $153 per month for minimum coverage and $243 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Allen Parish driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Allen Parish with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.