Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The annual number of car thefts in Ruston is 8.
  • The cheapest car insurance company in Ruston for teen drivers is USAA
  • Average car insurance rates in Ruston, LA for senior drivers are $2,946/year

Average car insurance rates in Ruston, Louisiana are $394 a month. But with a little research you can get a great deal from the top car insurance companies in Ruston, LA. Before you buy Ruston, Louisiana car insurance, make sure your coverage meets or exceeds the Louisiana minimum of 15/30/25.

It may even be helpful to compare Ruston car insurance rates with Houma car insurance rates, New Orleans car insurance rates, or Lafayette car insurance rates to make sure you’re getting the best Ruston, LA car insurance quotes available.

Need affordable Ruston, LA car insurance? Enter your ZIP code to compare Ruston car insurance quotes from multiple car insurance companies near you.

Ruston, LA Minimum Car Insurance Coverage

Ruston, Louisiana law requires drivers carry a minimum of 15/30/25 coverage. Take a look at the breakdown of the minimums here.

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

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Ruston, LA Car Insurance Rates by Coverage Level

Some Ruston drivers can get by with the Louisiana minimum coverage of 15/30/25. Other drivers may need more. See how much your Ruston, Louisiana car insurance rates may be based on the coverage you need.

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

Ruston, LA Car Insurance Rates by Age, Gender, and Marital Status

Ruston, Louisiana car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Ruston, LA car insurance, get quotes from multiple car insurance companies in the Ruston area and see how these criteria affect your 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

Ruston, LA Car Insurance Rates for Teens

How much is Ruston, Louisiana car insurance for teens? Compare rates from top Ruston car insurance companies below to help find the cheapest teen car insurance in Ruston, LA.

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

Ruston, LA Car Insurance Rates for Seniors

Before seniors buy Ruston, Louisiana car insurance, they should make sure to shop around. Some Ruston, LA car insurance companies may offer discounts or other savings options for senior car insurance.

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

Ruston, LA Car Insurance Rates by Credit History

How does your credit history affect Ruston, LA car insurance rates? Review the numbers here to find out.

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

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Ruston, LA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Ruston, Louisiana car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Ruston.

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

Ruston, LA Car Insurance Rates With a DUI

Even a single DUI can increase your Ruston, LA car insurance rates. Compare rates below to see which Ruston car insurance company has the best rates for drivers with a DUI.

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

Ruston, LA Car Insurance Rates by ZIP Code

Just like Ruston car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Ruston, LA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Ruston, Louisiana

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

Ruston, LA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Ruston, LA car insurance rates may be. Let’s take a look at average car insurance rates from top Ruston companies based on commute time.

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

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Ruston, LA Cheapest Car Insurance Rates

How do the top Ruston, Louisiana car insurance companies’ average rates stack up against the Ruston average monthly car insurance rates of $394? Take a look and see.

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

Ruston, LA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Ruston, Louisiana car insurance companies to help you find one that best fits 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

Other Factors Affecting Ruston, LA Car Insurance Rates

Before you buy Ruston, Louisiana car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Ruston, LA Car Theft Rates

The car theft rate in Ruston, LA will affect your car insurance rates. FBI data shows that the annual car theft rate for Ruston, Louisiana is 8 stolen cars.

Ruston, LA Commute Time

How does your Ruston, LA commute time compare with the average driver? In Ruston, the average commute is 13.5 minutes.

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Ruston, LA Car Insurance Quotes

Compare Ruston, LA car insurance quotes from multiple companies by entering your ZIP code now.