Compare Covington, LA Car Insurance Rates [2024]
Car insurance in Covington, LA averages $448 a month. Covington, Louisiana car insurance requirements are 15/30/25, but you might need full coverage insurance if your car is financed. To find cheap Covington car insurance rates, compare quotes from the top car insurance companies in Covington, LA.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Covington, LA after a DUI are $6,171/year
- The cheapest ZIP code in Covington is 70433
- Average car insurance rates in Covington, LA are $5,372/year
If you need to buy Covington, Louisiana car insurance, the options can be confusing. Everything you need to know about car insurance in Covington, LA is right here.
You’ll find Covington car insurance rates, the cheapest Covington, LA car insurance companies, and information on Louisiana car insurance laws. You can also compare Covington, Louisiana car insurance rates to Alexandria car insurance rates, New Orleans car insurance rates, and Kenner car insurance rates.
Ready to find affordable Covington, LA car insurance today? Enter your ZIP code for fast, free Covington car insurance quotes.
Cheapest Covington, LA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Covington, LA car insurance rates? Every Covington, Louisiana car insurance company weighs these factors differently, so check out the comparison rates.
Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
---|---|---|---|---|---|---|---|---|
Allstate | $3,689 | $3,689 | $3,806 | $3,806 | $8,151 | $10,298 | $4,080 | $4,428 |
Geico | $3,221 | $3,689 | $3,859 | $4,691 | $11,738 | $12,348 | $3,093 | $2,987 |
Progressive | $4,254 | $3,965 | $3,567 | $3,860 | $16,779 | $18,633 | $4,836 | $4,887 |
State Farm | $2,703 | $2,703 | $2,494 | $2,494 | $7,987 | $9,999 | $3,012 | $3,375 |
USAA | $2,434 | $2,395 | $2,380 | $2,360 | $7,333 | $8,588 | $2,996 | $3,284 |
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Minimum Car Insurance in Covington, LA
Every driver must carry the minimum car insurance in Covington, LA. Take a look at the Louisiana car insurance requirements.
Liability Insurance Required | Minimum Coverage Limits Required |
---|---|
Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
Property Damage Liability Coverage | $25,000 minimum |
Cheapest Covington, LA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Covington, LA. Compare credit history car insurance rates in Covington from top companies for good, fair, and poor credit.
Insurance Company | Poor | Fair | Good |
---|---|---|---|
Allstate | $6,891 | $4,728 | $4,110 |
Geico | $6,784 | $5,887 | $4,439 |
Progressive | $8,589 | $7,360 | $6,844 |
State Farm | $6,007 | $3,884 | $3,147 |
USAA | $5,475 | $3,507 | $2,932 |
Cheapest Covington, LA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Covington, LA to rates for a clean record with top companies.
Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
---|---|---|---|---|
Allstate | $4,139 | $6,326 | $5,638 | $4,870 |
Geico | $3,880 | $6,263 | $7,681 | $4,989 |
Progressive | $6,331 | $8,488 | $8,168 | $7,405 |
State Farm | $3,982 | $4,711 | $4,346 | $4,346 |
USAA | $3,031 | $4,211 | $5,022 | $3,621 |
Cheapest Covington, LA Car Insurance for Teen Drivers
Teen car insurance in Covington, LA can be expensive. Take a look at rates from the top car insurance companies in Covington for teenagers.
Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
---|---|---|
Allstate | $8,151 | $10,298 |
Geico | $11,738 | $12,348 |
Progressive | $16,779 | $18,633 |
State Farm | $7,987 | $9,999 |
USAA | $7,333 | $8,588 |
Cheapest Covington, LA Car Insurance for Seniors
Take a look at Covington, LA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
---|---|---|
Allstate | $3,806 | $3,806 |
Geico | $3,859 | $4,691 |
Progressive | $3,567 | $3,860 |
State Farm | $2,494 | $2,494 |
USAA | $2,380 | $2,360 |
Cheapest Covington, LA Car Insurance Rates After a DUI
A DUI in Covington, LA increases car insurance rates. Compare Covington, Louisiana DUI car insurance by company to find the cheapest option.
Insurance Company | Annual Car Insurance Rates With a DUI |
---|---|
Allstate | $5,638 |
Geico | $7,681 |
Progressive | $8,168 |
State Farm | $4,346 |
USAA | $5,022 |
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Cheapest Covington, LA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Covington, LA by commute? Take a look at a comparison of the top companies by commute length.
Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
---|---|---|
Allstate | $5,243 | $5,243 |
Geico | $5,593 | $5,814 |
Progressive | $7,598 | $7,598 |
State Farm | $4,235 | $4,457 |
USAA | $3,850 | $4,093 |
Cheapest Covington, LA Car Insurance Rates by ZIP Code
Covington car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Covington, LA.
ZIP Code | Average Annual Rates |
---|---|
70433 | $4,882 |
70435 | $5,208 |
The Best Cheap Car Insurance Companies in Covington, LA
Take a look at a side-by-side comparison of the top car insurance companies in Covington, LA to find the best option for your needs.
Insurance Company | Average Annual Rates |
---|---|
Allstate | $5,243 |
Geico | $5,703 |
Progressive | $7,598 |
State Farm | $4,346 |
USAA | $3,971 |
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Category Winners: Cheapest Car Insurance in Covington, Louisiana
Find the cheapest car insurance companies in Covington, LA for each category right here.
Category | Insurance Company |
---|---|
Teenagers | USAA |
Seniors | USAA |
Clean Record | USAA |
With 1 Accident | USAA |
With 1 DUI | State Farm |
With 1 Speeding Violation | USAA |
Cheapest Covington, LA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Covington car insurance rates. Find the cheapest Covington, LA car insurance rates by coverage level.
Insurance Company | Low | Medium | High |
---|---|---|---|
Allstate | $4,588 | $5,335 | $5,806 |
Geico | $4,693 | $5,727 | $6,690 |
Progressive | $6,203 | $7,527 | $9,063 |
State Farm | $3,728 | $4,334 | $4,976 |
USAA | $3,448 | $4,031 | $4,434 |
What affects car insurance rates in Covington, Louisiana?
What factors can have an impact on Covington, LA car insurance? There are several reasons why Covington car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Covington, Louisiana.
Car Theft in Covington
High levels of vehicle theft can make car insurance more expensive. Covington, LA car theft statistics from the FBI indicate 7 vehicle thefts a year.
Commute Time in Covington
The more time you spend in your car the higher the risk of an accident. The average commute length in Covington, LA is 24.4 minutes according to City-Data.
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Compare Car Insurance Quotes in Covington, LA
Ready to find affordable Covington, Louisiana car insurance today? Enter your ZIP code for fast, free Covington, LA car insurance quotes.
Frequently Asked Questions
What factors affect car insurance rates in Covington, LA?
Several factors can influence car insurance rates in Covington, LA, including:
- Age and gender: Younger drivers, particularly teenagers, often face higher insurance rates due to their limited driving experience. Gender can also play a role, as some insurance companies may consider males to be higher-risk drivers.
- Driving record: Drivers with a history of traffic violations or accidents may have higher insurance premiums, as they are perceived as higher risk.
- Vehicle make and model: The type of vehicle you drive can impact insurance rates. Cars with higher values, more powerful engines, or higher theft rates may result in higher premiums.
- Coverage options: The coverage types and limits you choose will affect your insurance rates. Comprehensive coverage and lower deductibles typically result in higher premiums.
- Credit history: In some states, including Louisiana, insurance companies may consider credit history when determining insurance rates. Maintaining good credit can help keep insurance costs lower.
- Deductible amount: The deductible is the amount you pay out of pocket before insurance coverage kicks in. Choosing a higher deductible can lower your premiums but also means you’ll have a higher initial expense in case of a claim.
- Location: Insurance rates can vary depending on where you live. Factors such as population density, crime rates, and frequency of accidents in your area can impact premiums.
- Annual mileage: The number of miles you drive each year can affect insurance rates. Higher mileage generally means a higher risk of accidents and may result in higher premiums.
What is the minimum car insurance coverage required in Covington, LA?
In Covington, LA, the minimum car insurance coverage requirements include:
- Liability Coverage: $15,000 per person and $30,000 per accident for bodily injury, and $25,000 per accident for property damage.
Can I drive without car insurance in Covington, LA?
No, it is illegal to drive without car insurance in Covington, LA, and throughout Louisiana. All drivers must carry at least the minimum required liability insurance coverage. Driving without insurance can result in penalties, fines, license suspension, and vehicle impoundment. It’s essential to maintain valid car insurance coverage at all times while operating a vehicle.
How do I file a car insurance claim in Covington, LA?
If you need to file a car insurance claim in Covington, LA, follow these general steps:
- Contact your insurance company: Notify your insurance provider as soon as possible after an accident or incident. They will guide you through the claims process and provide specific instructions.
- Provide necessary information: Be prepared to provide details about the accident, including the date, time, location, description of what happened, and any involved parties or witnesses. Your insurance company may also request a police report, if applicable.
- Cooperate with the investigation: Work with your insurance company’s claims adjuster and provide any requested documentation or evidence. They will evaluate the claim and determine the coverage and amount payable based on your policy terms.
- Get repairs and estimates: If your vehicle requires repairs, your insurance company may provide a list of preferred repair shops or require you to obtain estimates. Follow their guidelines to ensure the repairs are covered by your policy.
How can I find information about complaints or reviews of car insurance companies in Covington, LA?
There are several ways to gather information about complaints or reviews of car insurance companies in Covington, LA:
- State insurance department: Visit the Louisiana Department of Insurance website or contact them directly to inquire about complaint data, consumer guides, or any resources they provide to help evaluate insurance companies.
- Online review platforms: Look for reputable online platforms that aggregate customer reviews and ratings for insurance companies. Websites such as Consumer Affairs, Consumer Reports, or the Better Business Bureau (BBB) can provide insights into the experiences of other customers.
- Seek recommendations: Ask friends, family, or colleagues in Covington, LA, about their experiences with car insurance companies. Personal recommendations can offer valuable insights and help you make an informed decision.
- Insurance agent or broker: Consult with an independent insurance agent or broker who works with multiple insurance companies. They can provide expert advice and help you navigate through various options based on your specific needs and budget.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.