Alexandria, LA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Alexandria, LA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Auto Insurance Rates in Alexandria, Louisiana
Louisiana is one of the most expensive auto insurance states in the country, with an annual average insurance rate of $2700. The insurance rates in Louisiana have been high for the last few years. There are many factors responsible for this: poor roads, natural disaster damage, etc.
There has been an astronomical increase of 155% in the Compound Annual Growth Rate (CAGR) in Alexandria. The insurance rates have increased from $900 in 2009 to $2300 in 2013. Alexandria is one of the less expensive cities to insure a car in the state, considering that the insurance rates here are below the state’s average of $2700.
Of the 9 major cities in Louisiana, Alexandria is the 4th least expensive. To afford a car in Alexandria, one would have to earn between $3230 and $5170 per month. Though the insurance rates in Alexandria are relatively low, they can shoot up if you are convicted of a drunk driving charge. Your insurance company is likely to increase your rate to $2800 after your first DUI conviction.
The average comprehensive coverage rate in Alexandria is $342, which is lower than the state average comprehensive insurance rate ($405).
Similarly, the average collision insurance rate in Alexandria is $342, well below the Louisiana state average collision insurance rate of $864.
Among the various models available in Alexandria, the Mercedes S65 AMG is the costliest one, with an annual insurance premium of $4200. The Jeep Patriot Sport is the least expensive, with a premium of $1700.
If we consider the insurance rates as well as the Manufacturer’s Suggested Retail Price (MSRP), the Kia Rio is the least expensive and the Kia Sedona is the most expensive. The Kia Rio has an MSRP of $16115 and insurance rate of $2100. On the other hand, the Kia Sedona has an MSRP of around $27359 and insurance rate of $1800.
In the SUV segment, the Kia Sorento is the most affordable option available. With an MSRP of $27020 and average annual insurance rate of $1800, the Sorento is a great choice in Alexandria. The Kia Forte is the most expensive car in the small car segment, with an MSRP of $18235 and an insurance rate of $1900.
Factors that can influence the cost of car insurance in Alexandria, LA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Alexandria, LA Auto Insurance Rates
- Alexandria, LA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Alexandria, LA
- Multi Vehicle Insurance Savings in Alexandria, LA
- How Credit Score Affects Car Insurance Rates in Alexandria, LA
- How DUI Affects Auto Insurance Premiums in Alexandria, LA
- Top Auto Insurance Agents Near Alexandria, LA
- How Driving Violations Affect Auto Insurance Rates in Alexandria, LA
- Alexandria, LA Auto Insurance Discounts on Anti Theft Feature
- Alexandria, LA Auto Insurance Company Reviews
Alexandria, LA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Alexandria, LA with that of other cities in and around Alexandria.
| Alexandria | Woodworth | Ball | Rapides | Creola | Prospect | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,392 | $2,498 | $2,437 | $2,431 | $3,231 | $2,455 |
Alexandria, LA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Alexandria, LA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Alexandria | $1,091 | $921 |
| Pineville | $1,010 | $853 |
| Rapides | $1,405 | $1,187 |
| Woodworth | $1,487 | $1,256 |
| Creola | $3,328 | $2,811 |
| Ball | $2,182 | $1,843 |
| Prospect | $1,465 | $1,237 |
| Rock Hill | $1,435 | $1,212 |
Alexandria, LA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Alexandria, LA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $7,762 |
| 20 Years | $3,073 |
| 30 Years | $2,367 |
| 40 Years | $2,278 |
| 50 Years | $2,109 |
| 60 Years | $2,139 |
| 70 Years | $2,489 |
Alexandria, LA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Alexandria, LA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $4,162 | $622 |
| 3 Vehicles | $6,243 | $933 |
| 4 Vehicles | $8,324 | $1,244 |
Savings on 2 Vehicles bundle:$622
Savings on 3 Vehicles bundle:$933
Savings on 4 Vehicles bundle:$1,244
Alexandria, LA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Alexandria, LA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Alexandria | $2,392 | $3,315 |
| Pineville | $2,445 | $3,389 |
| Rapides | $2,431 | $3,370 |
| Woodworth | $2,498 | $3,462 |
| Creola | $3,231 | $4,478 |
| Ball | $2,437 | $3,378 |
| Prospect | $2,455 | $3,403 |
| Rock Hill | $2,401 | $3,328 |
Alexandria, LA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $2,052 |
| Excellent (740-799) | $2,343 |
| Good (670-739) | $2,493 |
| Average (580-669) | $3,252 |
| Poor (300-579) | $3,902 |
Alexandria, LA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Christopher Bates | Allstate | 1359 Peterman Dr, Alexandria, 71301 | (318) 202-2231 |
| Turrentine Insurance Agency, Inc. | None | 955 Macarthur Drive, Alexandria, 71303 | None |
| Williams Agency Inc. | Allstate | 6501 Coliseum Blvd Ste 100F, Alexandria, 71303 | (318) 473-9401 |
| Gary Clark | State Farm | 735 MacArthur Drive, Alexandria, 71303-3114 | 318-445-7133 |
| American Delta Insurance Services, Llc | None | 5401 B Jackson Street, Alexandria, 71303 | None |
| Mike Murphy | State Farm | 455 Second Street, Natchitoches, 71457-4651 | 318-352-7311 |
| Eric Gil | State Farm | 605 E Lasalle St, Ville Platte, 70586-3915 | 337-363-7737 |
| Regions Insurance | None | 1439 Centre Ct Ste 200, Alexandria, 71301 | None |
| Tandy E Jackson Agcy | None | 1325 Washington St, Natchitoches, 71457 | None |
Alexandria, LA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$105 | $2,497 |
| Driver's Failure In Showing Documents | +$232 | $2,624 |
| Driving With An Expired Registration | +$246 | $2,638 |
| Driving At A Considerably Slow Pace | +$519 | $2,911 |
| Using A Cellphone While Driving | +$548 | $2,940 |
| Running A Red Light | +$557 | $2,949 |
| Speeding | +$586 | $2,978 |
| Driving A Vehicle Without The Required Permission | +$744 | $3,136 |
| Driving With An Expired/Suspended License | +$1,612 | $4,004 |
Alexandria, LA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $2,296 |
| Active Disabling Device | $2,296 |
| Tracking Device | $2,248 |
| Passive Disabling Device | $2,225 |
Latest Auto Insurance Reviews in Alexandria, LA | Back to Top
State FarmI'm totally satisfied with out deductible. It's a common one so the value is good, and we haven't had to adjust it since we bought the car.
ProgressiveThey offer great reward points and system compared to others that i have had in the past. Also they will no drop your coverage if you actually need to use your insurance, like other insurances do.
AllstateThe insurance keeps pushing auto insurance even though I do not have a vehicle. It is annoying and I do not like it. There customer service does not really get it.
TravelersThe auto insurance rates were good. And there is a multi policy discount, that put the cost down less than other companies
AllstateAllstate is a very good insurance provider and it provides very good insuance plocies to the customers. It alwys comes beneficial for the customers.
ProgressiveI can't speak to customer service for any claims, however, the prices in my opinion are a little high and seems to keep going up each time at renewal although my driving situation.
ProgressiveI have been satisfied with my auto insurance provider as they have provided adequate service and reasonable rates.
Nationwidepremium is lower than others we checked and deductible is on low side as well and they cover so much, its the best I think