Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Harlem, LA
We monitor insurance prices, helping the average driver in Harlem save up to 33.9% on car insurance.
The Cheapest Minimum Coverage in Harlem
The chart below shows the cheapest car insurance company in Harlem 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.
| Harlem Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $119 |
| State Farm | $141 |
| Safeco Insurance | $142 |
| Clearcover | $157 |
Savings for Every Kind of Harlem Driver
Based on our extensive insurance data, we know the average Harlem 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 $914 per year by choosing the right vehicle insurance company. Some Harlem residents are paying out over $3,288 extra every year for auto insurance in Harlem. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Harlem, LA Savings / Yr. |
|---|---|
$914 |
|
$1,604 |
|
$1,141 |
|
$1,722 |
|
$2,731 |
|
$848 |
|
$1,458 |
Harlem Car Insurance vs. Louisiana
People living in Harlem pay an average of 9.12% more than the typical driver in the state. The average driver in Harlem can expect to pay about $2,080 per year, or $3,288 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Harlem for most people.
Car Insurance Prices by Harlem Neighborhood
Insurance Prices
Where is insurance cheapest within Harlem?
The map shows insurance prices in and around Harlem, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $141 per year within the city boundaries, with insurance premiums ranging from a high of $3,386 to a low of $3,245. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Harlem.Pick the Best Car Insurance Company for You in Harlem
The best car insurance provider for most drivers in Harlem
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $914 over the average Harlem car insurance company.
The best car insurance provider for Harlem drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $1,604 over the competition.
The best car insurance company for Harlem drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $1,141 better than other car insurance companies.
The best auto insurance for Harlem drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $1,722 less each year.
The least expensive car insurance company for new and young drivers in Harlem
In Harlem, Farm Bureau costs young drivers $2,731 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Harlem
Farm Bureau gave the largest car insurance discounts to married couples, averaging $848 saved each year compared to an average Harlem couple's premiums.
The cheapest car insurance in Harlem for drivers with bad credit
The best Harlem car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Harlem, which was better than other insurers.
The cheapest large national provider in Harlem
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Harlem driver can expect to pay about $222 per month.
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 Harlem, 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.Auto Insurance Prices in and Around Harlem
What Influences the Cost of Car Insurance in Harlem?
On average, car insurance in Harlem is more expensive than the rest of the state. These high 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 Harlem is 39 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 Harlem are among the highest 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.
- Harlem is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Harlem is $173 per month for minimum coverage and $274 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
- Davant: Insurance costs 1.64% more
- Lake Judge Perez: Insurance costs 1.31% less
- Ironton: Insurance costs 1.31% less
- Pointe a la Hache: Insurance costs 2.92% more
- Port Sulphur: Insurance costs 0.46% less
- Braithwaite: Insurance costs 0.64% more
- Bertrandville: Insurance costs 1.31% less
- Lafitte: Insurance costs 1.34% less
- Dalcour: Insurance costs 1.31% less
- Barataria: Insurance costs 3.19% less
Cities with Similar Populations
- Panola: Insurance costs 51.70% less
- Patterson: Insurance costs 58.36% less
- Parma: Insurance costs 49.27% less
- Parksville: Insurance costs 59.31% less
- Parker: Insurance costs 47.99% less
- Park View: Insurance costs 63.38% less
- Paris: Insurance costs 63.26% less
- Paradise: Insurance costs 67.82% less
- Panther Lake: Insurance costs 36.37% less
- Paynesville: Insurance costs 10.19% less