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How much is car insurance in Denham Springs?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Denham Springs will typically run you about $19 a month more than in the rest of Louisiana.
Similarly, Denham Springs residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $122 more expensive to insure your vehicle in Denham Springs compared to the average rate for the rest of the U.S.
These rates may be the average amount Denham Springs residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Denham Springs residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may climb back up in Denham Springs.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Denham Springs is around $53 a month. As you can see in the table above, female drivers in the area typically pay $173 on average, while female drivers typically pay $226 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 quite a lot. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Denham Springs, a driving record with a single accident will usually get you a rate around $271 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $234.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$90|
|15 Years or Older||$223|
The most affordable vehicles to insure in Denham Springs are usually SUVs, which run about $168 per month.
Truck and van drivers will see rates of about $233 for insurance coverage, while SUV owners by and large pay around $168 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Denham Springs, vehicles fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$213|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Denham Springs, with married couples paying about $59 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$325|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $65 a month more than if you own your own home in Denham Springs. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Denham Springs, LA
Recent trends in car insurance for Denham Springs drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Car insurance rates in Denham Springs went up from 2017-2019, before leveling out in 2020. They finished down in 2022, at $140 a month
How does Denham Springs compare to neighboring areas?
Why are car insurance rates in Denham Springs different from other areas?
Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Regional regulations
- Amount of drivers
- Road Safety (frequency of car accidents)
- Regional crime rates
- Access to off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Denham Springs?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in Denham Springs.
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Denham Springs Insurance FAQs
What factors affect car insurance quotes in Denham Springs?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Denham Springs different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
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 finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Denham Springs or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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