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Get Cheap Car Insurance in Bivens, LA

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

 

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The Cheapest Minimum Coverage in Bivens

The chart below shows the cheapest car insurance company in Bivens 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.

 
Bivens Insurer Monthly Cost
Farm Bureau $103
State Farm $121
Safeco Insurance $122
Clearcover $135

Savings for Every Kind of Bivens Driver

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

Based on our extensive insurance data, we know the average Bivens 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 $786 per year by choosing the right vehicle insurance company. Some Bivens residents are paying out over $2,826 extra every year for auto insurance in Bivens. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Bivens Car Insurance vs. Louisiana

People living in Bivens pay an average of 6.22% less than the typical driver in the state. The average driver in Bivens can expect to pay about $1,787 per year, or $2,826 for full coverage.

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

Car Insurance Prices by Bivens Neighborhood

Bivens, LA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Bivens?

The map shows insurance prices in and around Bivens, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $2,826 to a low of $2,826. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Bivens.

Pick the Best Car Insurance Company for You in Bivens

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 Bivens insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Bivens

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $786 over the average Bivens car insurance company.

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We use the average good driver, paying $170 per month, as our baseline for pricing in Bivens. 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 Bivens drivers with accidents on their records

In Bivens getting into an accident will raise premiums an average 35% for a yearly cost of $4,375. That's $1,549 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 $1,379 over the competition.

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The best car insurance company for Bivens drivers with speeding tickets

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $981 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 Bivens, tickets raise premiums on new quotes about $754. If you have a speeding ticket, we recommend State Farm, Farm Bureau, and Clearcover for savings that beat the average insurance cost of $3,580 per year.

The best auto insurance for Bivens drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,437 per year in auto insurance premiums, which was $1,611 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 $1,480 less each year.

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

In Bivens, Farm Bureau costs young drivers $2,347 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 Bivens. With an average cost of $6,932 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 Bivens

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $315. State Farm, Progressive, and Farm Bureau provided the largest discounts to couples living in Bivens.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $729 saved each year compared to an average Bivens couple's premiums.

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The cheapest car insurance in Bivens for drivers with bad credit

People with poor credit saved an average of $1,253 with Farm Bureau.

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Many people are surprised that their poor credit score can cost them an average of $1,765 every year. Premiums for people with poor credit were about $4,591 in Bivens. 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 Bivens car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Bivens, 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 Bivens.

Nationwide was the best company for customer service in Bivens 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 Bivens, 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 Bivens. 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 Bivens

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 17% of Bivens residents who are renting, and don't plan to be in the city 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 Bivens 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 Bivens, 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 Bivens

What Influences the Cost of Car Insurance in Bivens?

On average, car insurance in Bivens 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 city are influenced by the following factors:

  • The average commute time in Bivens is 40 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 Bivens are among the lowest 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.
  • Bivens is one of the most densely populated areas in the state. The city’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 Bivens is $149 per month for minimum coverage and $235 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 Cities

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* Who is the average Bivens driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Bivens 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.