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 St. Rose, LA

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

 

Start Saving

;

The Cheapest Minimum Coverage in St. Rose

The chart below shows the cheapest car insurance company in St. Rose 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. Rose Insurer Monthly Cost
Farm Bureau $128
State Farm $151
Safeco Insurance $153
Clearcover $169

Savings for Every Kind of St. Rose Driver

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

Based on our extensive insurance data, we know the average St. Rose 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 $984 per year by choosing the right vehicle insurance company. Some St. Rose residents are paying out over $3,536 extra every year for auto insurance in St. Rose. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
St. Rose, LA Savings / Yr.
Drivers with good records
$984
Drivers with accidents
$1,725
Drivers with speeding tickets
$1,228
Drivers with a DUI conviction
$1,852
Young drivers
$2,938
Married drivers
$912
Drivers with bad credit
$1,568

St. Rose Car Insurance vs. Louisiana

People living in St. Rose pay an average of 17.37% more than the typical driver in the state. The average driver in St. Rose can expect to pay about $2,237 per year, or $3,536 for full coverage.

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

Car Insurance Prices by St. Rose Neighborhood

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

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within St. Rose?

The map shows insurance prices in and around St. Rose, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $173 per year within the city boundaries, with insurance premiums ranging from a high of $3,577 to a low of $3,404. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the South parts of St. Rose.

Pick the Best Car Insurance Company for You in St. Rose

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

The best car insurance provider for most drivers in St. Rose

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $984 over the average St. Rose car insurance company.

Visit Site

We use the average good driver, paying $213 per month, as our baseline for pricing in St. Rose. 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. Rose drivers with accidents on their records

In St. Rose getting into an accident will raise premiums an average 35% for a yearly cost of $5,475. That's $1,939 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 $1,725 over the competition.

Visit Site

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

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $1,228 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In St. Rose, tickets raise premiums on new quotes about $944. If you have a speeding ticket, we recommend State Farm, Farm Bureau, and Clearcover for savings that beat the average insurance cost of $4,480 per year.

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

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $5,553 per year in auto insurance premiums, which was $2,016 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 $1,852 less each year.

Visit Site

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

In St. Rose, Farm Bureau costs young drivers $2,938 less each year versus the average auto insurance bill.

Visit Site

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. Rose. With an average cost of $8,676 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. Rose

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $394. State Farm, Progressive, and Farm Bureau provided the largest discounts to couples living in St. Rose.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $912 saved each year compared to an average St. Rose couple's premiums.

Visit Site

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

People with poor credit saved an average of $1,568 with Farm Bureau.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $2,209 every year. Premiums for people with poor credit were about $5,745 in St. Rose. 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. Rose car insurance company for customer service

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

Nationwide was the best company for customer service in St. Rose according to the NAIC.

Visit Site

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. Rose, which was better than other insurers.

Visit Site

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. Rose. 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. Rose

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 23% of St. Rose 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 St. Rose driver can expect to pay about $222 per month.

Visit Site

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. Rose, 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. Rose

What Influences the Cost of Car Insurance in St. Rose?

On average, car insurance in St. Rose 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 St. Rose is 36 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 St. Rose are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • St. Rose is one of the least populated areas 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 St. Rose is $186 per month for minimum coverage and $295 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

Cities with Similar Populations

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