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How much is car insurance in Gretna?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $72 a month more expensive to insure your vehicle in Gretna than it is in the rest of Louisiana.
Likewise, Gretna residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $175 more expensive to insure your vehicle in Gretna compared to the average rate for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Gretna, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for Gretna and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Gretna drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for insurance coverage, Gretna actually defies this trend. While female drivers pay $259 per month for auto insurance coverage, males only pay about $254.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Gretna, drivers with one accident on their record will experience rates around $296 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $307.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$276|
|15 Years or Older||$184|
If you look at the first table above, the cheapest vehicles to insure in Gretna are usually SUVs, at $217 per month.
Car owners will see rates of about $246, while truck and van owners by and large pay around $466 a month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Gretna, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$281|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Gretna is about $93 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$272|
Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $49 a month more than homeowners in Gretna. But if you live with your parents, your rates will be significantly higher.
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 Gretna, LA
Recent trends in car insurance for Gretna drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for auto insurance in Gretna had been increasing from 2017-2018, when they hit a high of $352. This shifted in 2019, when they began to turn downward again. They finished down in 2022, at $226 per month
How does Gretna compare to neighboring areas?
Why are car insurance rates in Gretna different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Rate of car accidents
- Rate of crime
- Access to off-street parking
- Amount of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Gretna?
While knowing 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.
Fortunately, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Gretna.
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Gretna Insurance FAQs
What factors affect car insurance quotes in Gretna?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Gretna different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, 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 Gretna?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Gretna?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 Gretna 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.
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