Ruston, LA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Ruston, 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.
Affordable Car Insurance in Ruston, LA
Car insurance is a necessary expense for anyone who owns or operates a vehicle, but for many individuals, the cost of insurance can be a significant financial burden. In Ruston, LA, car insurance costs vary widely depending on various factors, including credit score, driving history, and the type of vehicle being insured. The average cost of auto insurance in Ruston, LA, is $2,489. For residents of Ruston looking for affordable car insurance options, it is important to understand the factors that influence insurance costs and compare prices from different providers to find the best possible coverage at the most reasonable price. This article will explore the options for affordable car insurance in Ruston, LA, and provide tips for finding the best insurance coverage to meet your needs and budget.
Credit History
In Ruston, LA, credit history can also impact auto insurance rates. Insurance providers may use credit scores to determine insurance premiums, as drivers with a poor credit history may be considered high-risk. Credit history may indicate to insurance providers that the driver is more likely to file a claim. As a result, drivers with a low credit score may face higher insurance premiums than those with a higher score. For example, in Ruston, LA who have exceptional credit scores are charged $2136 for their car insurance, while those with poor credit scores are required to pay $4060 for an equivalent level of coverage. Therefore, it is essential for drivers in Ruston, LA, to maintain good credit history, as this can help them to obtain affordable auto insurance rates.
Age of the Driver
A driver's age in Ruston, LA, can also impact auto insurance rates. Younger drivers, particularly those under 25, are considered high-risk drivers by insurance providers, as they are more likely to be involved in accidents. As a result, younger drivers may face higher insurance premiums than older, more experienced drivers. Additionally, older drivers may face higher insurance premiums, particularly those over 65, as they may be more prone to accidents due to physical limitations or declining cognitive abilities. For instance, in Ruston, LA, auto insurance premiums vary based on the driver's age. Teenagers typically pay higher insurance rates due to their lack of driving experience, with an average premium of $8076 for coverage. Meanwhile, a 40-year-old driver with the same coverage can expect an average premium of $2370.
Driving Habits
In Ruston, LA, auto insurance rates can increase based on driving violations. Drivers with a history of traffic violations, such as speeding tickets, reckless driving, or DUIs, are considered high-risk drivers by insurance providers. As a result, they may face higher insurance premiums than those with a clean driving record. In some cases, drivers with multiple violations may even be denied coverage by insurance providers. Therefore, it is important for drivers in Ruston, LA, to practice safe driving habits and avoid traffic violations to maintain affordable auto insurance rates. For instance, if a driver in Ruston, LA, runs a red light or drives with a suspended license, their auto insurance rates will increase by $580 and $1678, respectively.
Factors that can influence the cost of car insurance in Ruston, 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.
- Ruston, LA Auto Insurance Rates
- Ruston, LA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Ruston, LA
- Multi Vehicle Insurance Savings in Ruston, LA
- How Credit Score Affects Car Insurance Rates in Ruston, LA
- How DUI Affects Auto Insurance Premiums in Ruston, LA
- Top Auto Insurance Agents Near Ruston, LA
- How Driving Violations Affect Auto Insurance Rates in Ruston, LA
- Ruston, LA Auto Insurance Discounts on Anti Theft Feature
Ruston, LA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Ruston, LA with that of other cities in and around Ruston.
| Ruston | Simsboro | Quitman | Grambling | Vienna | Choudrant | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,489 | $2,338 | $2,377 | $2,361 | $2,623 | $2,481 |
Ruston, 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 Ruston, 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) |
|---|---|---|
| Ruston | $1,117 | $943 |
| Grambling | $2,432 | $2,054 |
| Lincoln | $1,400 | $1,182 |
| Vienna | $1,899 | $1,604 |
| Choudrant | $1,688 | $1,426 |
| Simsboro | $1,894 | $1,600 |
| Dubach | $1,044 | $882 |
| Quitman | $1,476 | $1,247 |
Ruston, LA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Ruston, 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 | $8,076 |
| 20 Years | $3,198 |
| 30 Years | $2,463 |
| 40 Years | $2,370 |
| 50 Years | $2,195 |
| 60 Years | $2,225 |
| 70 Years | $2,590 |
Ruston, LA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Ruston, 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 | $4,281 | $697 |
| 3 Vehicles | $6,422 | $1,045 |
| 4 Vehicles | $8,562 | $1,394 |
Savings on 2 Vehicles bundle:$697
Savings on 3 Vehicles bundle:$1,045
Savings on 4 Vehicles bundle:$1,394
Ruston, 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 Ruston, LA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Ruston | $2,489 | $3,450 |
| Grambling | $2,361 | $3,273 |
| Lincoln | $2,451 | $3,397 |
| Vienna | $2,623 | $3,636 |
| Choudrant | $2,481 | $3,439 |
| Simsboro | $2,338 | $3,241 |
| Dubach | $2,389 | $3,311 |
| Quitman | $2,377 | $3,295 |
Ruston, 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) | $2,136 |
| Excellent (740-799) | $2,438 |
| Good (670-739) | $2,594 |
| Average (580-669) | $3,384 |
| Poor (300-579) | $4,060 |
Ruston, 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 |
|---|---|---|---|
| Louisiana Insurance Services | Travelers | 2814 N Trenton St., Ruston, 71270 | (318) 300-1298 |
| Adam Bass | Allstate | 2030 E Kentucky Ave, Ruston, 71270 | (318) 255-5335 |
| Lincoln Agency, Llc | None | 504 S. Service Road E., Ruston, 71270 | None |
| Mcinnis Insurance Agency | Liberty Mutual Independent | 119 Pearl Street, Minden, 71055 | (318) 300-1301 |
| Bromell Insurance Agency | None | 711 N. Vienna St., Ruston, 71270 | (318) 300-1297 |
| Radcliff Agency, Inc. | None | 737 Main St, Minden, 71055 | None |
Ruston, 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 | +$110 | $2,599 |
| Driver's Failure In Showing Documents | +$241 | $2,730 |
| Driving With An Expired Registration | +$256 | $2,745 |
| Driving At A Considerably Slow Pace | +$540 | $3,029 |
| Using A Cellphone While Driving | +$570 | $3,059 |
| Running A Red Light | +$580 | $3,069 |
| Speeding | +$610 | $3,099 |
| Driving A Vehicle Without The Required Permission | +$774 | $3,263 |
| Driving With An Expired/Suspended License | +$1,678 | $4,167 |
Ruston, 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 | $2,389 |
| Active Disabling Device | $2,389 |
| Tracking Device | $2,340 |
| Passive Disabling Device | $2,315 |