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How much is car insurance in Pineville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $10 a month more expensive to insure your vehicle in Pineville than it is in the rest of Louisiana.
Similarly, Pineville residents will likely pay higher rates to insure their vehicle than in the rest of the country. Coverage in Pineville is about $113 more expensive than it is for the rest of the U.S.
While these are the average costs to insure your vehicle in Pineville, keep in mind that you could end up paying a different amount. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But don't worry, we've broken down the average rate for Pineville 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 on the roads, right? When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay $207 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up once you hit retirement in Pineville.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Pineville, the difference comes out to about $48 a month. Looking at the table above, you can see that female drivers pay around $172 on average, while male drivers typically pay $220 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Pineville, having a single accident on your record will usually get you rates around $240 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $323 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$151|
|15 Years or Older||$238|
According to the first table above, the cheapest vehicles to insure in Pineville are typically SUVs, at $156 per month.
SUV owners, on the other hand, by and large pay around $156 per month, while truck and van drivers can expect to pay about $289 a month to insure their vehicle.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Pineville, vehicles fifteen years and older and four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$209|
Generally, people who are married will pay slightly less for car insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Pineville can be as much as $75 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$123|
Your living accommodations is another component of how insurance companies calculate your monthly rate. In Pineville, homeowners can expect to pay around $47 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Pineville, LA
Recent trends in car insurance for Pineville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Pineville, the rates for car insurance rose from 2017-2020, when they reached a high of $237. This trend leveled out in 2021, when they began to decrease, and have continued on that path through the present -- when policy premiums hit a low of $111 per month.
How does Pineville compare to neighboring areas?
Why are car insurance rates in Pineville different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (how many accidents each locality has)
- Regional laws
- Area crime rates
- Amount of drivers in the area
- Access to off-street parking
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Pineville?
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.
Luckily, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Pineville.
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Pineville Insurance FAQs
What factors affect car insurance quotes in Pineville?
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 age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Pineville different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Pineville?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Pineville?
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 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.
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