Compare Ruston, LA Car Insurance Rates (2021)

Car insurance in Ruston, LA averages $394 a month. Ruston, Louisiana car insurance requirements are 15/30/25, but you might need full coverage insurance if your car is financed. To find cheap Ruston car insurance rates, compare quotes from the top car insurance companies in Ruston, LA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Ruston, LA are $4,728/year
  • Average car insurance rates in Ruston, LA after a DUI are $5,438/year
  • The cheapest car insurance company in Ruston for teen drivers is USAA

If you need to buy Ruston, Louisiana car insurance, the options can be confusing. Everything you need to know about car insurance in Ruston, LA is right here.

You’ll find Ruston car insurance rates, the cheapest Ruston, LA car insurance companies, and information on Louisiana car insurance laws. You can also compare Ruston, Louisiana car insurance rates to Kenner car insurance rates, Shreveport car insurance rates, and Houma car insurance rates.

Ready to find affordable Ruston, LA car insurance today? Enter your ZIP code for fast, free Ruston car insurance quotes.

Cheapest Ruston, LA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ruston, LA car insurance rates? Every Ruston, Louisiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ruston, Louisiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,068 $4,068 $4,198 $4,198 $8,860 $11,171 $4,492 $4,867
GEICO $2,789 $3,213 $3,274 $3,960 $10,533 $11,212 $2,715 $2,675
Progressive $3,025 $2,836 $2,537 $2,715 $12,146 $13,524 $3,487 $3,607
State Farm $2,342 $2,342 $2,140 $2,140 $6,883 $8,635 $2,611 $2,940
USAA $2,230 $2,197 $2,154 $2,147 $6,616 $7,799 $2,754 $3,026

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Minimum Car Insurance in Ruston, LA

Every driver must carry the minimum car insurance in Ruston, LA. Take a look at the Louisiana car insurance requirements.

Minimum Required Car Insurance Coverage in Ruston, Louisiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Ruston, LA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ruston, LA. Compare credit history car insurance rates in Ruston from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Ruston, Louisiana

Insurance Company Poor Fair Good
Allstate $7,532 $5,174 $4,515
GEICO $6,000 $5,209 $3,930
Progressive $6,202 $5,311 $4,942
State Farm $5,213 $3,349 $2,701
USAA $5,005 $3,185 $2,656

Cheapest Ruston, LA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ruston, LA to rates for a clean record with top companies.

Annual Ruston, Louisiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,556 $6,907 $6,161 $5,337
GEICO $3,438 $5,551 $6,785 $4,412
Progressive $4,572 $6,134 $5,887 $5,346
State Farm $3,446 $4,062 $3,754 $3,754
USAA $2,759 $3,813 $4,601 $3,289

Cheapest Ruston, LA Car Insurance for Teen Drivers

Teen car insurance in Ruston, LA can be expensive. Take a look at rates from the top car insurance companies in Ruston for teenagers.

Annual Car Insurance Rates for Teen Drivers in Ruston, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,860 $11,171
GEICO $10,533 $11,212
Progressive $12,146 $13,524
State Farm $6,883 $8,635
USAA $6,616 $7,799

Cheapest Ruston, LA Car Insurance for Seniors

Take a look at Ruston, LA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Ruston, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,198 $4,198
GEICO $3,274 $3,960
Progressive $2,537 $2,715
State Farm $2,140 $2,140
USAA $2,154 $2,147

Cheapest Ruston, LA Car Insurance Rates After a DUI

A DUI in Ruston, LA increases car insurance rates. Compare Ruston, Louisiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Ruston, Louisiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,161
GEICO $6,785
Progressive $5,887
State Farm $3,754
USAA $4,601

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Cheapest Ruston, LA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Ruston, LA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Ruston, Louisiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,740 $5,740
GEICO $4,950 $5,143
Progressive $5,485 $5,485
State Farm $3,659 $3,849
USAA $3,506 $3,725

Cheapest Ruston, LA Car Insurance Rates by ZIP Code

Ruston car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Ruston, LA.

Annual Car Insurance Rates by ZIP Code in Ruston, Louisiana

ZIP Code Average Annual Rates
71270 $4,375
71272 $4,445

The Best Cheap Car Insurance Companies in Ruston, LA

Take a look at a side-by-side comparison of the top car insurance companies in Ruston, LA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Ruston, Louisiana

Insurance Company Average Annual Rates
Allstate $5,740
GEICO $5,046
Progressive $5,485
State Farm $3,754
USAA $3,615

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Category Winners: Cheapest Car Insurance in Ruston, Louisiana

Find the cheapest car insurance companies in Ruston, LA for each category right here.

Best Annual Car Insurance Rates by Company in Ruston, Louisiana

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Ruston, LA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Ruston car insurance rates. Find the cheapest Ruston, LA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Ruston, Louisiana

Insurance Company Low Medium High
Allstate $4,972 $5,845 $6,404
GEICO $4,311 $5,063 $5,765
Progressive $4,724 $5,446 $6,284
State Farm $3,286 $3,746 $4,231
USAA $3,201 $3,663 $3,982

What affects car insurance rates in Ruston, Louisiana?

What factors can have an impact on Ruston, LA car insurance? There are several reasons why Ruston car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ruston, Louisiana.

Car Theft in Ruston

High levels of vehicle theft can make car insurance more expensive. Ruston, LA car theft statistics from the FBI indicate 8 vehicle thefts a year.

Commute Time in Ruston

The more time you spend in your car the higher the risk of an accident. The average commute length in Ruston, LA is 13.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Ruston, LA

Ready to find affordable Ruston, Louisiana car insurance today? Enter your ZIP code for fast, free Ruston, LA car insurance quotes.

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