Best Galliano, Louisiana Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
State Farm, Progressive, and Allstate offer the best Galliano, Louisiana auto insurance with rates as low as $54/mo. State Farm provides 24/7 hotline for claims, while Progressive has a wide range of options. Allstate's great with its Drivewise program, where Galliano drivers can get discounts for safe driving.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 15, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,759 reviewsCompany Facts
Full Coverage in Galliano Louisiana
A.M. Best Rating
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Pros & Cons
17,759 reviews
13,128 reviewsCompany Facts
Full Coverage in Galliano Louisiana
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
11,413 reviewsCompany Facts
Full Coverage in Galliano Louisiana
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
State Farm, Progressive, and Allstate offer the best Galliano, Louisiana auto insurance options, with rates as low as $54 per month.
State Farm is notable for its constant claims support, Progressive delivers many coverage options such as gap insurance, and Allstate’s Drivewise system rewards safe driving with possible savings of up to 25%.
The factors affecting auto insurance rates in Galliano are the focus of this guide, which includes driving records, commute duration, and credit history, along with a comparison of rates among different ZIP codes locally.
Our Top 10 Company Picks: Best Galliano, Louisiana Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Customer Service State Farm
#2 10% A+ Qualifying Coverage Progressive
#3 25% A+ UBI Savings Allstate
#4 20% A Policy Options Farmers
#5 25% A 24/7 Support Liberty Mutual
#6 25% A++ Cheap Rates Geico
#7 10% A++ Military Members USAA
#8 20% A+ Vanishing Deductible Nationwide
#9 13% A++ Unique Coverage Travelers
#10 5% A+ Exclusive Benefits The Hartford
Drivers who want to find the most affordable and appropriate coverage should obtain quotes from different insurance providers. Get started on comparing full coverage auto insurance rates by entering your ZIP code above.
- State Farm offers 24/7 claims support with rates starting at $56/mo
- Progressive provides comprehensive coverage options, including gap insurance
- Allstate’s Drivewise program rewards safe Galliano drivers with up to 25% savings
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#1 – State Farm: Top Overall Pick
Pros
- Exceptional Customer Service: State Farm’s local agent network in Galliano provides personalized, top-tier customer service tailored to Louisiana’s unique auto insurance needs and regulations.
- 24/7 Claims Support: Galliano drivers benefit from State Farm’s round-the-clock claims assistance, ensuring prompt help after accidents on Louisiana roads at any time.
- User-Friendly Mobile App: State Farm’s highly-rated mobile app offers Galliano residents easy policy management and claims filing, as highlighted in our State Farm auto insurance review.
Cons
- Limited UBI Options: Unlike some competitors, State Farm doesn’t offer a robust usage-based insurance program for Galliano drivers looking to save based on their driving habits.
- Higher Minimum Coverage Cost: At $62 per month for minimum coverage in Galliano, State Farm is on the pricier side compared to other options available in Louisiana.
#2 – Progressive: Best for Qualifying Coverage
Pros
- Extensive Qualifying Coverage Options: as mentioned in our Progressive auto insurance review they offer Galliano drivers a wide range of coverage types.
- Name Your Price Tool: This unique feature helps Galliano residents find policies that fit their budget while meeting Louisiana’s minimum insurance requirements.
- Flexible Coverage Customization: Progressive allows Galliano drivers to tailor their policies with add-ons like roadside assistance and rental car coverage.
Cons
- Limited Bundling Discount: Progressive’s 10% bundling discount for Galliano residents is lower than some competitors, potentially reducing savings for those with multiple insurance needs.
- Higher Full Coverage Cost: Progressive’s full coverage rate of $142 per month in Galliano is slightly above average compared to other providers in Louisiana.
#3 – Allstate: Best for UBI Savings
Pros
- Drivewise UBI Program: As noted in our Allstate auto insurance review, Allstate’s usage-based insurance program offers Galliano drivers the highest potential savings.
- Customizable UBI Rewards: Galliano policyholders can choose between cash back or lower premiums through the Drivewise program, providing flexibility unique to Louisiana drivers.
- Immediate UBI Enrollment Discount: Galliano residents receive an automatic discount just for enrolling in Drivewise, benefiting Louisiana drivers before they even start driving.
Cons
- Higher Premium Costs: Both minimum ($60) and full coverage ($148) monthly rates in Galliano are on the higher end compared to other Louisiana auto insurance providers.
- Complex Policy Structure: Galliano drivers may find Allstate’s policy structure and numerous add-ons confusing to navigate without guidance from a local Louisiana agent.
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#4 – Farmers: Best for Policy Options
Pros
- Extensive Policy Customization: Farmers offers Galliano residents a vast array of coverage options and add-ons.
- Unique Optional Coverages: In our Farmers auto insurance review, Galliano drivers can access distinctive options like spare parts coverage and original equipment manufacturer (OEM) coverage.
- Declining Deductible Feature: Farmers rewards Galliano policyholders with a reduced deductible for every year of safe driving, incentivizing careful navigation of Louisiana roads.
Cons
- Limited Online Resources: Galliano drivers may find Farmers’ online tools and resources less comprehensive than some competitors.
- Average Bundling Discount: The 20% bundling discount for Galliano residents, while decent, isn’t the highest available in the Louisiana market.
#5 – Liberty Mutual: Best for 24/7 Support
Pros
- 24/7 Roadside Assistance: As mentioned in our Liberty Mutual auto insurance review, they provide round-the-clock roadside support to Galliano drivers.
- Comprehensive Claims Support: Galliano policyholders benefit from Liberty Mutual’s 24/7 claims center and online claims tracking.
- TeenSMART Program: This 24/7 online training program helps young Galliano drivers improve their skills, potentially leading to discounts and safer Louisiana roads.
Cons
- Higher Full Coverage Cost: At $144 per month for full coverage in Galliano, Liberty Mutual’s rates are above average compared to other Louisiana providers.
- Limited Local Agent Presence: Galliano residents may find it challenging to access in-person support due to Liberty Mutual’s limited physical presence in smaller Louisiana towns.
#6 – Geico: Best for Cheap Rates
Pros
- Lowest Full Coverage Rate: Geico offers the most affordable full coverage option in Galliano at $136 per month, making comprehensive protection accessible for Louisiana drivers.
- Competitive Minimum Coverage: At $59 per month for minimum coverage, Geico provides Galliano residents with one of the cheapest options for basic Louisiana auto insurance.
- Extensive Discount Opportunities: As highlighted in our Geico auto insurance review, they offer numerous discounts to Galliano drivers.
Cons
- Limited Personalization: Galliano drivers seeking highly customized policies may find Geico’s offerings less flexible compared to some Louisiana competitors.
- Minimal Local Presence: The lack of local Geico agents in Galliano may be a drawback for Louisiana residents who prefer face-to-face interactions for their insurance needs.
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#7 – USAA: Best for Military Members
Pros
- Unparalleled Military Focus: USAA offers specialized coverage and discounts for Galliano’s active duty as mentioned in our USAA auto insurance review.
- Lowest Overall Rates: With the most affordable minimum ($54) and full coverage ($130) monthly rates in Galliano, USAA provides exceptional value for eligible Louisiana drivers.
- Military-Specific Benefits: Galliano service members benefit from unique features like flexible payment options during deployment and coverage during international assignments.
Cons
- Limited Eligibility: Only Galliano residents with military connections can access USAA’s services, excluding a significant portion of Louisiana’s driving population.
- Fewer Local Resources: USAA’s primarily digital model may not suit all Galliano drivers, particularly those who prefer local.
#8 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible Feature: Galliano drivers can reduce their collision and comprehensive deductibles by $100 each year, up to $500, with safe driving on Louisiana roads.
- Accident Forgiveness Benefit: This feature prevents rate increases after a first at-fault accident in Galliano, providing peace of mind for Louisiana drivers.
- Flexible Deductible Options: Nationwide auto insurance review shows that Galliano policyholders can select different deductibles for collision and comprehensive coverage
Cons
- Average Premium Costs: Nationwide’s rates for both minimum ($63) and full coverage ($147) in Galliano are slightly higher than the Louisiana average.
- Limited Local Presence: Galliano residents may find it challenging to access in-person support due to Nationwide’s limited physical presence in smaller Louisiana communities.
#9 – Travelers: Best for Unique Coverage
Pros
- Innovative Coverage Options: Offers unique protections as mentioned in our Travelers auto insurance review like rideshare coverage and new car replacement to Galliano drivers.
- Premier New Car Replacement: This distinctive coverage replaces totaled cars under five years old with brand new vehicles, providing superior protection for Galliano’s newer cars.
- Responsible Driver Discount: Galliano policyholders with no accidents, violations, or major comprehensive claims can access this unique discount, rewarding safe driving in Louisiana.
Cons
- Higher Than Average Rates: Both minimum ($61) and full coverage ($143) monthly rates in Galliano are slightly above the Louisiana average.
- Complex Discount Structure: Galliano drivers may find it challenging to navigate Travelers’ numerous discounts and determine their eligibility within Louisiana’s insurance framework.
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#10 – The Hartford: Best for Exclusive Benefits
Pros
- AARP Member Benefits: The Hartford provides exclusive discounts and tailored coverage options for Galliano’s AARP members, catering to Louisiana’s senior driving population.
- Lifetime Renewability: Eligible Galliano policyholders enjoy guaranteed coverage renewal. (Read More: The Hartford Auto Insurance Review)
- RecoverCare Coverage: This unique benefit offers up to $2,500 for home services if a Galliano policyholder is injured in an auto accident.
Cons
- Age Restrictions: The Hartford’s focus on older drivers limits its accessibility to younger Galliano residents seeking auto insurance in Louisiana.
- Higher Premium Costs: With full coverage at $147 per month in Galliano, The Hartford’s rates are on the higher end of the Louisiana auto insurance spectrum.
Auto Insurance in Galliano, Louisiana: Requirements, Rates, and Realities
As locals deal with the ins and outs of coverage, knowing the lay of the land is key. Let’s explore the essentials of auto insurance in Galliano, from state rules to provider comparisons and beyond.
Auto insurance is required by law in most states, including Louisiana.Jeff Root Licensed Insurance Agent
There are Louisiana minimum auto insurance requirements that Galliano drivers must follow. These mandates act as a financial safety net, guarding both the insured and other drivers on the road. The state’s minimum coverage rules are:
- Property Damage Liability: $25,000 per incident
- Bodily Injury Liability: $15,000 per person, up to $30,000 per accident
While these figures show the bare minimum, smart Galliano residents often choose more extensive coverage. By looking into options from various insurers, drivers can find a sweet spot between solid protection and affordable premiums.
The car insurance market in Galliano is as varied as the Louisiana bayou. A close look at top providers shows a range of rates and coverage choices:
Galliano, Louisiana Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$62 $148
$55 $139
$60 $136
$57 $144
$58 $140
$59 $142
$56 $137
$63 $147
$61 $143
$54 $130
This table offers a glimpse of Galliano’s insurance landscape. USAA leads for minimum coverage at $54 per month, while Geico and Farmers offer attractive full coverage options. These rates highlight why it’s important to compare prices, forming a habit that can lead to big savings without skimping on protection. We’ve put together a report card that looks at key parts of the local market:
Galliano, Louisiana Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Claims Process | A | Fast and reliable claims handling by most major insurers |
| Coverage Options | A- | Wide range of coverage with flood insurance add-ons |
| Customer Satisfaction | B+ | Generally positive but mixed experiences in rural areas |
| Affordability | B- | Higher-than-average premiums, especially in coastal areas |
This review shows both strong points and areas needing work in Galliano’s insurance offerings. While cost remains a hurdle, especially in flood-prone areas, the wide range of coverage choices and quick claims handling stand out as positives. Looking at the numbers behind auto insurance in Galliano gives valuable insight for both residents and insurers:
Galliano, Louisiana Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Average Claim Size | $4,200 |
| Percentage of Uninsured Drivers | 16% |
| Total Accidents Per Year | 900+ |
| Total Claims Per Year | 750+ |
| Traffic Density | Low |
| Vehicle Theft Rate | 2.8 per 1,000 vehicles |
| Weather-Related Incidents | 30% of accidents |
These stats show Galliano’s unique insurance situation. With over 900 accidents yearly and many weather-related incidents, the data proves why thorough coverage matters in this coastal town.
Galliano, Louisiana Auto Insurance Costs
This breakdown of auto insurance rates in Galliano, Louisiana covers various factors affecting premiums. Let’s explore how different groups and situations impact auto insurance premiums in this coastal community.
Age, and gender greatly influence auto insurance rates in Galliano. Here’s a detailed look at monthly premiums across these groups.
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $665 | $836 | $338 | $365 | $306 | $306 | $317 | $317 |
| $1,230 | $1,291 | $316 | $304 | $328 | $380 | $396 | $488 |
| $1,504 | $1,670 | $420 | $429 | $367 | $341 | $308 | $333 |
| $657 | $819 | $254 | $284 | $229 | $229 | $213 | $213 |
| $667 | $780 | $267 | $292 | $218 | $214 | $214 | $212 |
This data shows big differences in rates, especially for younger drivers. USAA and State Farm often offer better rates across age groups. Your driving history shapes insurance costs. Let’s examine how different driving records change monthly rates in Galliano.
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $341 | $520 | $464 | $401 |
| $401 | $648 | $803 | $514 |
| $558 | $754 | $721 | $653 |
| $333 | $392 | $362 | $362 |
| $273 | $380 | $453 | $326 |
Clean records usually mean lower premiums, while accidents and DUIs can greatly increase costs. USAA and Geico tend to offer more lenient rates for imperfect records.
DUI Insurance Rates in Galliano
After a DUI, finding affordable insurance is tough. Here’s a comparison of monthly rates for drivers with a DUI in Galliano.
| Insurance Company | Monthly Rates |
|---|---|
| $464 |
| $803 |
| $721 |
| $362 |
| $453 |
While rates increase for all providers, USAA and Progressive offer more reasonable options for those with a DUI.
Credit History’s Impact on Galliano Auto Insurance Prices
Credit scores can change insurance premiums a lot. This table shows how different credit ratings affect monthly rates in Galliano.
Galliano, Louisiana Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| $564 | $389 | $341 |
| $704 | $611 | $460 |
| $757 | $651 | $607 |
| $496 | $325 | $266 |
| $492 | $317 | $265 |
Good credit often leads to lower premiums, with USAA and Geico offering the best rates across credit categories. Your annual mileage can affect your insurance costs as well. Here’s how commute length changes monthly premiums in Galliano.
Galliano, Louisiana Full Coverage Auto Insurance Monthly Rates by Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $431 | $431 |
| $580 | $604 |
| $672 | $672 |
| $354 | $371 |
| $347 | $369 |
Interestingly, some providers like USAA don’t change rates based on mileage, while others show small increases for longer commutes.
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Auto Insurance Discounts in Galliano, Louisiana
Galliano drivers can save money on their auto insurance by taking advantage of various discounts. Here’s a look at the car insurance discounts offered by top providers in the area:
Auto Insurance Discounts from the Top Providers in Galliano, Louisiana
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver, Early Signing, Good Student |
| Multi-Policy, Safe Driver, Homeowner, Pay-in-Full |
| Multi-Policy, Good Driver, Military, Federal Employee |
| Multi-Policy, New Car, Safe Driver, Online Purchase |
| Multi-Policy, Safe Driver, Accident-Free, Good Student |
| Multi-Policy, Snapshot, Safe Driver, Homeowner |
| Multi-Policy, Safe Driver, Good Student, Defensive Driving |
| Multi-Policy, Safe Driver, Good Student, Anti-Theft Device |
| Multi-Policy, Safe Driver, Homeowner, New Car |
Galliano residents should ask their insurance providers about these and other potential discounts. Every little saving can add up, so it’s worth exploring all options to reduce your premium.
If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool below to compare your rates against the top insurers.
Frequently Asked Questions
Is it illegal to not have car insurance in Louisiana?
Yes, it’s illegal to drive without car insurance in Galliano, Louisiana, as in the rest of the state. Louisiana law requires all drivers to carry minimum liability coverage.
Who has the cheapest car insurance in Louisiana?
In Galliano, Louisiana, companies like USAA and Geico often offer the most affordable rates. However, prices can vary based on individual factors, so it’s best to compare quotes from multiple providers.
Read More:
What happens if the person at fault in an accident has no insurance in Louisiana?
If you’re in an accident with an uninsured driver in Galliano, Louisiana, you may have to rely on your own uninsured motorist coverage. The at-fault driver could face fines, license suspension, and legal consequences.
Is car insurance cheaper in Florida or Louisiana?
Generally, car insurance in Galliano, Louisiana, and other parts of the state tends to be more expensive than in Florida due to factors like higher claim rates and natural disaster risks in Louisiana. Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
What is the uninsured rate in Louisiana?
The uninsured rate in Louisiana, including Galliano, is approximately 11.7% as of recent data. This is higher than the national average, affecting insurance costs for all drivers in the area.
Did car insurance rates go up in Louisiana?
Yes, car insurance rates in Galliano, Louisiana, and across the state have seen increases in recent years due to factors like rising repair costs, more frequent natural disasters, and higher claim rates. (Learn More: Is there a limit for auto insurance rate increases?)
What age does car insurance go down in Louisiana?
In Galliano, Louisiana, drivers typically see their car insurance rates start to decrease around age 25, with further reductions as they enter their 30s and maintain a good driving record.
What age is car insurance most expensive?
For drivers in Galliano, Louisiana, car insurance is usually most expensive for teenagers and young adults under 25, with 16-19 year-olds facing the highest premiums due to their lack of driving experience.
Can you live in Louisiana without a car?
While it’s possible to live without a car in some urban areas of Louisiana, in Galliano and other rural parts of the state, having a car is often necessary due to limited public transportation options. For more information, read our article titled “How to Get an Auto Insurance Quote Without a Car.”
Can you go to jail for driving without insurance in Louisiana?
In Galliano, Louisiana, driving without insurance can result in fines and license suspension. While jail time is not typical for a first offense, repeat violations or involvement in an accident while uninsured could lead to more severe penalties, including possible jail time.
Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.