Table of contents
How much is car insurance in Denham Springs?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $28 a month more expensive to insure your vehicle in Denham Springs than it is in the rest of Louisiana.
Drivers relocating the Denham Springs should take note of the differences in average rates. The cost of auto coverage in Denham Springs is about $117 more expensive than the national average.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've analyzed the average rate for Denham Springs and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Denham Springs.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Denham Springs, this difference shakes out to about $38 per month. As you can see in the table above, male drivers in the area typically pay $215 on average, while female drivers typically pay $177 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Denham Springs with a single accident on their record will usually see rates around $195 a month. In addition, drivers with one ticket can expect to pay around $236 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$204|
According to the first table above, the cheapest vehicles to insure in Denham Springs are by and large SUVs, at $169 per month.
Truck and van drivers will see rates of about $204 for auto insurance coverage, while car owners usually pay around $208 a month.
Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Denham Springs, vehicles six-to-seven years old and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$207|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Denham Springs can be as much as $52 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$325|
Another factor that comes into play is your housing status. In Denham Springs, homeowners can expect to pay around $28 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Denham Springs, LA
Recent trends in car insurance for Denham Springs drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
The cost of auto insurance coverage in Denham Springs went up from 2016-2019, before steadying out in 2020. Insurance rates finished up in 2021, at $222 per month
How does Denham Springs compare to neighboring areas?
Why are car insurance rates in Denham Springs different from other areas?
There are a lot of factors car insurance companies will consider when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Access to off-street parking
- Total number of drivers
- Prevalence of crime
- Community regulations
- General road safety (how many accidents each locality has)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Denham Springs?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in Denham Springs in no time.
Denham Springs Insurance FAQs
What factors affect car insurance quotes in Denham Springs?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Denham Springs different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Denham Springs?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Denham Springs?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Denham Springs or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.