Alexandria Car Insurance

How much does car insurance cost in Alexandria, LA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Alexandria?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Louisiana has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Alexandria typically pay around $263.48 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Louisiana $244.58
Alexandria, Louisiana $263.48

Alexandria, LA Best Car Insurance Companies

car insurance in Alexandria

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Southern Farm Bureau generally has the most affordable car insurance in Alexandria coming in around $129.35 per month. Other companies to consider if you live in Alexandria is USAA with an average cost of $152.51 per month and Clearcover which typically runs around $184.63 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Alexandria.

RankCompanyAverage Monthly RateComparison State Average
1 Southern Farm Bureau $129.35-47.11%
2 USAA $152.51-37.65%
3 Clearcover $184.63-24.51%
4 State Farm $205.05-16.17%
5 Safeway $252.193.11%
6 NatGen Advantage $267.879.52%
7 Direct Auto $296.8521.37%
8 NatGen Value $345.6741.33%
9 Unitrin $348.6642.55%
10 Metropolitan $359.9647.17%

How Much is Car Insurance in Alexandria, LA?

how much is auto insurance in Alexandria

Rates can vary from city to city. The residents of Alexandria typically pay $263.48 per month while people who live in Baton Rouge will pay $275.89 per month on average. See what people pay for car insurance in other cities in Louisiana.

Louisiana CitiesMonthly Average Rate
Alexandria $263.48
Baton Rouge $275.89
Bossier City $195.36
Kenner $281.69
Lafayette $233.30
Lake Charles $233.44
Monroe $231.41
New Orleans $327.16
Shreveport $200.45

Cheap Car Insurance in Alexandria by Zip Codes

find cheap auto insurance in Alexandria

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Louisiana. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Alexandria, LA ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Alexandria

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $648.48 per month in Alexandria. Compare that to drivers in their 30’s who typically pay around $226.49 per month drivers in their 40s at $204.90 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Alexandria

If you are teen in Alexandria you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Southern Farm Bureau typically charges around $149.14 per month. This is likely the most affordable option in Alexandria. You might also want to consider USAA and Unitrin who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Southern Farm Bureau$149.14
State Farm$543.04

Cheapest Insurance for 20 Year-olds in Alexandria

20 year-olds in Alexandria might want to consider USAA who, on average, offers car insurance rates around $179.73 per month. Southern Farm Bureau , State Farm , Safeway and Direct Auto are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Southern Farm Bureau$182.19
State Farm$234.80
Direct Auto$364.15

Cheapest Insurance for 30 Year-olds in Alexandria

If you are in your 30s in Alexandria our research has found that Southern Farm Bureau typically has the most affordable coverage coming in around $87.58 per month, followed by Direct Auto at $132.51 and Clearcover at $140.10.

CompanyAverage Monthly Rate
Southern Farm Bureau$87.58
Direct Auto$132.51
State Farm$184.28

Cheapest Insurance for 40 Year-olds in Alexandria

On average, Southern Farm Bureau offers car insurance for 40 year-olds in Alexandria for around $108.29 per month. If you are looking for affordable coverage, you may also want to consider Direct Auto or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Southern Farm Bureau$108.29
Direct Auto$122.96
State Farm$172.35
NatGen Advantage$188.72

Cheapest Insurance for 50 Year-olds in Alexandria

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Alexandria we found that Direct Auto generally offers the most affordable coverage at $116.15 per month.

CompanyAverage Monthly Rate
Direct Auto$116.15
NatGen Advantage$151.74
State Farm$174.89

Cheapest Insurance for 60 Year-olds in Alexandria

If you live in Alexandria and you’re in your 60s, our data indicates that Southern Farm Bureau usually has the best rates at $132.77 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Southern Farm Bureau$132.77
NatGen Advantage$178.28
NatGen Value$195.30

Driver's Coverage Auto Insurance Rates in Alexandria, LA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Alexandria, the average monthly rate for a driver who is currently insured is $228.01 while drivers who are not currently covered will pay around $301.55.

CoverageAverage Monthly Rate
Not Currently Insured $301.55
Currently Insured $228.01

Compare Recent Car Insurance Quotes in Alexandria

auto insurance quotes in Alexandria city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Alexandria a driver of a 2021 Toyota Camry can expect to pay around $798.27 per month while someone that owns a 2016 GMC Sierra may pay around $252.00 per month. Check out the list of recent quotes in Alexandria below.

VehicleAverage Monthly Rate
2021 Toyota Camry$798.27
2016 GMC Sierra$252.00
2017 Hyundai Sonata$115.56
2019 Cadillac XT5$151.53
2016 Jaguar XJ$245.78
2010 Dodge Challenger$340.84
2018 Hyundai Tucson$390.94
2015 Chevrolet Impala$720.91
2015 Ford Mustang$2,561.44
2020 Honda Accord$862.94

FAQ's for Drivers in Alexandria, LA

driver’s frequently asked question in Alexandria

What Is the Minimum Liability Coverage Requirement in Alexandria, LA?

Liability coverage is required by law on every registered vehicle in Louisiana. The minimum coverage requirements are $15,000 bodily injury per person, $30,000 bodily injury to more than one person in a single accident, and $25,000 property damage to someone else’s vehicle or other property per accident. You’ll also be automatically given uninsured/underinsured motorist coverage with any policy unless you refuse it in writing

Louisiana is an at-fault state. That means fault will be assigned in an accident, and those affected will either file a claim through their own carrier, file a claim through the other party’s carrier, or file a personal injury lawsuit.

  •  $15,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  •  $30,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  •  $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

What Is the Blood Alcohol Concentration (BAC) limit in Alexandria, LA?

It’s against the law to drive in Louisiana at the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

Louisiana’s driving while intoxicated (DWI) laws don’t just apply to driving under the influence of alcohol; you can also be convicted for driving under the influence of any narcotics or central nervous system stimulants. Also, if you register a BAC of 0.15% or higher, you’ll face harsher penalties.

What happens if my coverage lapses?

Knowingly operating a motor vehicle without insurance in Louisiana can come with steep penalties, including fines of $500 to $1,000, a suspended license, and a temporarily revoked registration. Consequences are generally harshest if you’re in an accident without coverage or lie about having coverage. While they aren’t always as harsh for briefly lapsed coverage, you’re still likely to face fines and lose your driving privileges until you show proof of coverage.

Check Out Other Rates in Alexandria, LA Nearby Cities:

Lafayette, LA

Lake Charles, LA

Monroe, LA


Commute Time in Alexandria, LA

17.6 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Alexandria, LA


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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