Table of contents
How much is car insurance in Pineville?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $23 a month more expensive to insure your vehicle in Pineville than it is in the rest of Louisiana.
Similarly, the expected monthly payments for an auto insurance policy in Pineville are above the national average. It's about $112 more for coverage in Pineville than in the rest of the U.S.
Although these are the average car insurance rates in Pineville, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Pineville 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 below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up in Pineville.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This rings true in Pineville, where women pay around $53 less per month than men. Based on the chart above, you can see that female drivers pay around $163 on average, while male drivers typically pay $216 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Pineville, a driving record with a single accident will usually get you a rate around $234 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$243|
The most affordable vehicles to insure in Pineville are by and large SUVs, which run about $137 per month.
SUV owners can expect to pay an average of around $137 a month for their policy, while truck and van drivers are usually around $362 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Pineville, the most expensive vehicles to insure are vehicles fifteen years and older and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$210|
Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Pineville follows that pattern, with the difference totaling to around $92 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$123|
One other element taken into consideration is your housing situation. Renters can expect to pay around $49 a month more than those who own their own home in Pineville. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Pineville, LA
Recent trends in car insurance for Pineville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Pineville, car insurance rates rose from 2016-2017, when they reached a low of $155. This leveled out in 2018, when car insurance rates began to increase. They hit a high of $237 in 2020, and finished down in 2021, at $179 a month.
How does Pineville compare to neighboring areas?
Why are car insurance rates in Pineville different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Road Safety (frequency of car accidents)
- Total amount of drivers in the community
- Off-street parking accessibility
- Regional regulations
- Local crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 Pineville?
Arming 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.
But hold on! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Pineville.
Pineville Insurance FAQs
What factors affect car insurance quotes in Pineville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Pineville different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Pineville?
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 Pineville?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Pineville 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.