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Get Cheap Car Insurance in St. Helena Parish, LA

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

 

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The Cheapest Minimum Coverage in St. Helena Parish

The chart below shows the cheapest car insurance company in St. Helena 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.

 
St. Helena Parish Insurer Monthly Cost
Farm Bureau $113
State Farm $133
Safeco Insurance $135
Clearcover $149

Savings for Every Kind of St. Helena Parish Driver

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

Based on our extensive insurance data, we know the average St. Helena 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 $865 per year by choosing the right vehicle insurance company. Some St. Helena Parish residents are paying out over $3,112 extra every year for auto insurance in St. Helena Parish. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
St. Helena Parish, LA Savings / Yr.
Drivers with good records
$865
Drivers with accidents
$1,518
Drivers with speeding tickets
$1,080
Drivers with a DUI conviction
$1,630
Young drivers
$2,585
Married drivers
$802
Drivers with bad credit
$1,380

St. Helena Parish Car Insurance vs. Louisiana

People living in St. Helena Parish pay an average of 3.28% more than the typical driver in the state. The average driver in St. Helena Parish can expect to pay about $1,969 per year, or $3,112 for full coverage.

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

Car Insurance Prices by St. Helena Parish Neighborhood

St. Helena Parish, LA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within St. Helena Parish?

The map shows insurance prices in and around St. Helena Parish, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $194 per year within the county boundaries, with insurance premiums ranging from a high of $3,209 to a low of $3,015. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of St. Helena Parish.

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

The best car insurance provider for most drivers in St. Helena Parish

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $865 over the average St. Helena Parish car insurance company.

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We use the average good driver, paying $187 per month, as our baseline for pricing in St. Helena 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 St. Helena Parish drivers with accidents on their records

In St. Helena Parish getting into an accident will raise premiums an average 35% for a yearly cost of $4,818. That's $1,706 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 $1,518 over the competition.

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The best car insurance company for St. Helena Parish drivers with speeding tickets

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $1,080 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 St. Helena Parish, tickets raise premiums on new quotes about $830. If you have a speeding ticket, we recommend State Farm, Farm Bureau, and Clearcover for savings that beat the average insurance cost of $3,942 per year.

The best auto insurance for St. Helena Parish drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,886 per year in auto insurance premiums, which was $1,774 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 $1,630 less each year.

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The least expensive car insurance company for new and young drivers in St. Helena Parish

In St. Helena Parish, Farm Bureau costs young drivers $2,585 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 St. Helena Parish. With an average cost of $7,634 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 St. Helena Parish

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $347. State Farm, Progressive, and Farm Bureau provided the largest discounts to couples living in St. Helena Parish.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $802 saved each year compared to an average St. Helena Parish couple's premiums.

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The cheapest car insurance in St. Helena Parish for drivers with bad credit

People with poor credit saved an average of $1,380 with Farm Bureau.

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Many people are surprised that their poor credit score can cost them an average of $1,944 every year. Premiums for people with poor credit were about $5,056 in St. Helena 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 St. Helena Parish car insurance company for customer service

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

Nationwide was the best company for customer service in St. Helena 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 St. Helena 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 St. Helena 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 St. Helena Parish

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 23% of St. Helena 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 St. Helena 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 St. Helena 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around St. Helena Parish

What Influences the Cost of Car Insurance in St. Helena Parish?

On average, car insurance in St. Helena Parish 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 county are influenced by the following factors:

  • The average commute time in St. Helena Parish is 47 minutes, which is far 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 St. Helena Parish are about average 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.
  • St. Helena Parish is a lightly populated area in the state. The county’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 St. Helena Parish is $164 per month for minimum coverage and $259 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 St. Helena Parish driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central St. Helena 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.