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Get Cheap Car Insurance in Caldwell Parish, LA

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

 

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The Cheapest Minimum Coverage in Caldwell Parish

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

 
Caldwell Parish Insurer Monthly Cost
Farm Bureau $108
State Farm $128
Safeco Insurance $129
Clearcover $143

Savings for Every Kind of Caldwell Parish Driver

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

Based on our extensive insurance data, we know the average Caldwell 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 $828 per year by choosing the right vehicle insurance company. Some Caldwell Parish residents are paying out over $2,978 extra every year for auto insurance in Caldwell Parish. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Caldwell Parish, LA Savings / Yr.
Drivers with good records
$828
Drivers with accidents
$1,453
Drivers with speeding tickets
$1,034
Drivers with a DUI conviction
$1,559
Young drivers
$2,474
Married drivers
$768
Drivers with bad credit
$1,320

Caldwell Parish Car Insurance vs. Louisiana

People living in Caldwell Parish pay an average of 1.18% less than the typical driver in the state. The average driver in Caldwell Parish can expect to pay about $1,884 per year, or $2,978 for full coverage.

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

Car Insurance Prices by Caldwell Parish Neighborhood

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

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Caldwell Parish?

The map shows insurance prices in and around Caldwell Parish, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $125 per year within the county boundaries, with insurance premiums ranging from a high of $3,048 to a low of $2,923. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the North parts of Caldwell Parish.

Pick the Best Car Insurance Company for You in Caldwell 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 Caldwell Parish insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Caldwell Parish

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $828 over the average Caldwell Parish car insurance company.

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We use the average good driver, paying $179 per month, as our baseline for pricing in Caldwell 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 Caldwell Parish drivers with accidents on their records

In Caldwell Parish getting into an accident will raise premiums an average 35% for a yearly cost of $4,610. That's $1,633 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 $1,453 over the competition.

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

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $1,034 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 Caldwell Parish, tickets raise premiums on new quotes about $795. If you have a speeding ticket, we recommend State Farm, Farm Bureau, and Clearcover for savings that beat the average insurance cost of $3,772 per year.

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

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,675 per year in auto insurance premiums, which was $1,698 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 $1,559 less each year.

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

In Caldwell Parish, Farm Bureau costs young drivers $2,474 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 Caldwell Parish. With an average cost of $7,305 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 Caldwell Parish

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $332. State Farm, Progressive, and Farm Bureau provided the largest discounts to couples living in Caldwell Parish.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $768 saved each year compared to an average Caldwell Parish couple's premiums.

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

People with poor credit saved an average of $1,320 with Farm Bureau.

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Many people are surprised that their poor credit score can cost them an average of $1,860 every year. Premiums for people with poor credit were about $4,837 in Caldwell 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 Caldwell Parish car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Caldwell 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 Caldwell Parish.

Nationwide was the best company for customer service in Caldwell 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 Caldwell 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 Caldwell 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 Caldwell Parish

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 28% of Caldwell 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 Caldwell 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 Caldwell 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 Caldwell Parish

What Influences the Cost of Car Insurance in Caldwell Parish?

On average, car insurance in Caldwell 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 Caldwell Parish is 32 minutes, which is about the national 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 Caldwell Parish are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • Caldwell 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 Caldwell Parish is $157 per month for minimum coverage and $248 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 Caldwell Parish driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Caldwell 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.