Cheap Car Insurance in Alexandria, LA
Everything You Need to Know About Auto Insurance in Louisiana
Alexandria is the ninth-largest city in Louisiana, with a population of around 45,000. It offers a nice blend of suburban neighborhoods with urban conveniences. The town sits along the Red River, putting it at the heart of Louisiana. Thanks to its central location, it serves as the crossroads of the state, with major roads such as I-49, Highway 167, and Louisiana highway 1.
Local drivers rely heavily on their vehicles for daily commutes and travel to Baton Rouge or Shreveport. Louisiana law requires drivers in the state to maintain minimum liability coverage to operate a vehicle. Maintaining proper car insurance in Louisiana not only keeps you compliant but also protects you financially in case of an accident.
Keep reading to learn more about car insurance in Alexandria, including average rates by age and zip code, and how the city compares to others in Louisiana.
How Much Does Car Insurance Cost in Alexandria, LA?
In Alexandria, drivers pay an average of $246 per month for full coverage and about $69 per month for the state minimum liability coverage required by Louisiana. These numbers will vary based on your driving history, age, and the insurer, but these rates are fairly typical for the state.
Nationally, drivers pay an average of $42 per month for state minimum coverage and $158 for full coverage. Louisiana tends to have higher rates overall due to factors like frequent storm damage, high accident rates, and a high number of uninsured drivers.
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What Does Full vs. Minimum Mean?
Minimum coverage in Louisiana includes liability protection, which covers injury or damage you cause to others in an auto accident up to your policy limits. It is the least amount of insurance you can carry and still legally operate a vehicle, making it a more affordable option in terms of monthly payments. However, it won’t cover repairs to your vehicle or any injuries you suffer in an accident.
Full coverage, on the other hand, includes both liability and comprehensive protection. This insurance coverage can help pay for damage to your vehicle caused by an accident, weather event, theft, or vandalism. Full coverage is often required if you are financing or leasing a car.
Affordable Car Insurance Rates Comparison by Cities in Louisiana
To compare the average monthly premiums paid in Louisiana cities, check out our breakdown below:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Alexandria | $246 | $69 |
| New Orleans | $327 | $85 |
| Baton Rouge | $273 | $76 |
| Lafayette | $236 | $70 |
| Monroe | $217 | $60 |
| Shreveport | $192 | $51 |
Affordable Alexandria Car Insurance Rates by Zip Code
Your zip code also plays a role in what you pay for car insurance. Areas with more claims, traffic accidents, or crime will generally have people paying higher monthly premiums.
Here’s a breakdown of average rates by zip code:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 71301 | $246 | $69 |
| 71302 | $242 | $67 |
| 71303 | $243 | $68 |
| 71359 | $258 | $70 |
| 71485 | $232 | $65 |
| 71409 | $230 | $62 |
| 71405 | $223 | $61 |
| 71360 | $232 | $64 |
Low-Cost Car Insurance Rates by Age in Alexandria
Age is one of the biggest factors insurers consider when setting premiums. Young drivers often pay more due to their lack of experience behind the wheel and their statistically higher risk of being in an accident. Rates usually go down as drivers reach their 30s, 40s, and 50s, assuming they maintain a clean driving record.
Here’s how the average monthly premium breaks down by age in Louisiana:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $760 | $247 |
| 20s | $719 | $215 |
| 30s | $352 | $91 |
| 40s | $334 | $86 |
| 50s | $309 | $80 |
| 60s | $306 | $80 |
| 70s | $327 | $91 |
*Disclaimer: Unless otherwise specified, we use the following methodology to determine average cost: male, age 30, lowest possible legal coverage allowed by Louisiana law. Several factors will determine your rates, including your age, gender, and the amount of coverage you purchase.
Driving Conditions in Alexandria
Alexandria’s central location in Louisiana means drivers encounter a range of conditions. Drivers will deal with unpredictable weather, seasonal flooding, and ongoing roadwork that can impact commutes.
Heavy rain and storm activity are common in the summer, while holiday weekends can increase traffic congestion on MacArthur Drive and I-49 as drivers move throughout the state. Being prepared and cautious when behind the wheel can help drivers manage these ever-changing conditions.
How Many Fatal Accidents Happen in Alexandria?
Between 2019 and 2023, Alexandria saw an average of 6.6 fatal accidents per year. May and December tend to be the most dangerous months for drivers in Alexandria, possibly due to holiday travel and increased instances of driving while impaired or distracted.
How Are the Road Infrastructure and Bridges in Alexandria?
Alexandria’s infrastructure includes two key bridges crossing the Red River: the Curtis Coleman Memorial Bridge and the Pineville Expressway Bridge. While these structures are routinely maintained, Louisiana ranks among the lowest states in the nation for road quality.
Potholes, aging roads, and high rainfall affect road conditions. But cities are trying to invest in road repairs and stormwater management systems. However, drivers will want to stay cautious, especially on sideroads in older areas.
Minimum Car Insurance Requirements in Alexandria
To legally drive in Alexandria and the rest of Louisiana, you must carry at least the state’s minimum required auto insurance coverage. The coverage is there to make sure you can cover the costs of injuries and property damage if you are at fault in an accident.
Louisiana requires the following minimum liability insurance coverage:
- Bodily injury liability per person: $15,000
- Bodily injury liability per accident: $30,000
- Property damage liability per accident: $25,000
This is commonly known as 15/30/25 coverage. Remember that these minimums are the maximum amount your insurer will pay to someone else if you are at fault in an accident. It also won’t cover replacing your vehicle or any medical treatment you might need. Higher coverage limits can provide better financial protection.
What Are the Penalties for Driving Without Insurance in Alexandria, LA?
Driving without insurance in Louisiana is considered a serious offense. If you drive without the right insurance coverage, you could face:
- Fines ranging from $500 to $1,000
- Vehicle impoundment
- Suspension of your car registration or driver’s license
- Fees to reinstate your license
- A requirement to file an SR-22 certificate to verify minimum insurance coverage
- Possible jail time for repeat violations
It’s not worth the risk. Carrying the right insurance is a legal necessity and can protect you financially in an accident.
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Factors Allowed in Alexandria Car Insurance Rates
Alexandria insurance companies can use several factors to determine your monthly premium. Your premium will change based on the calculated risk you present, and your insurance premiums can change over time.
Underwriters carefully evaluate information about your location, driving history, and other personal factors. This may include:
- Age
- Driving history
- Location (zip code)
- Vehicle make/model
- Annual mileage driven
- Credit score
- Marital status
- Education level
- Insurance history
- Coverage limits and deductibles
Each provider uses its own formula to determine premiums based on these factors. Because of this, it’s a good idea to compare rates from multiple insurers to find the best deal.
What Happens If I Damage Property?
If you are responsible for an accident that causes property damage, your property damage liability coverage will step in to cover the cost up to your policy’s limit. This will cover damage to someone’s vehicle, a homeowner’s fence, or even city property. In Louisiana, the minimum property damage coverage is $25,000, but that may not be enough to cover every situation.
You may be personally responsible for the remainder if the damage exceeds your coverage. So, for example, if you total a vehicle worth $35,000 and only carry damage coverage for $25,000, you may be liable to pay for the remaining $10,000. This is why many drivers in Alexandria choose to increase their liability limits.
What Are the Best Discounts for Car Insurance in Alexandria, LA?
One of the easiest ways to lower your premium is to take advantage of available discounts. Most insurers offer multiple ways to save, and you may even be able to combine discounts for extra benefits.
Common discount types include:
Check with your insurer to see which discounts may apply to your policy.
Get an Online Quote for Car Insurance in Alexandria Today!
Alexandria drivers need reliable insurance that meets LA state minimums, and many drivers feel more comfortable with additional policies or full coverage insurance. Freeway Insurance’s professionals can talk you through different options and strategies to find the right fit for your budget and location.
Ready to find affordable car insurance in Alexandria? Get started with an online quote, visit a local office, or call the Freeway Insurance team at (800) 777-5620 for a fast and easy quote over the phone. Explore your options and save money on the auto insurance you need in Louisiana.