Car insurance in Alexandria for an adult with a clean driving record and good insurance score costs $2,747 a year for a full coverage policy, according to data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Alexandria by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Alexandria.

Key Highlights
  • Car insurance in Alexandria is more expensive than car insurance in Louisiana for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Alexandria is $2,747 per year or $229 per month.
  • In Alexandria, Southern Farm Bureau offers the cheapest full coverage car insurance at $147 per month.

What is the average cost of car insurance in Alexandria, LA?

The average auto insurance rates in Alexandria, LA at various coverage levels are listed below:

  • State minimum: $755 per year
  • Liability-only coverage (50/100/50): $1,391 per year
  • Full coverage (100/300/100): $2,747 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Southern Farm Bureau$447$921$1,766
State Farm$678$1,237$2,413
Safeway Insurance$1,238$1,748$2,972
Auto Club Enterprises (AAA)$1,054$2,194$4,352


  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Alexandria, LA?

Out of all the carriers available in Alexandria, Southern Farm Bureau offers the cheapest full coverage car insurance at $147 per month.

The second-cheapest car insurance company in Alexandria is USAA, offering car insurance at $155 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Southern Farm Bureau$147
State Farm$201
Safeway Insurance$248
Auto Club Enterprises (AAA)$363

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Alexandria, LA?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Louisiana is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Alexandria, LA

See the average annual premium for drivers with two speeding tickets on their records in Alexandria, LA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$216
Auto Club Enterprises$672


  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Alexandria, LA

See the average annual premium for a driver convicted of DUI in Alexandria, LA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$216
Auto Club Enterprises$522

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Alexandria, LA

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Alexandria, LA, by age

Age is a key factor when considering car insurance rates in most cities, including Alexandria – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Auto Club Enterprises (AAA)$4,758
16Safeway Insurance$696
16Southern Farm Bureau$549
16State Farm$711
17Auto Club Enterprises (AAA)$1,532
17Safeway Insurance$696
17Southern Farm Bureau$340
17State Farm$626
18Auto Club Enterprises (AAA)$1,337
18Safeway Insurance$696
18Southern Farm Bureau$310
18State Farm$553
19Auto Club Enterprises (AAA)$1,164
19Safeway Insurance$525
19Southern Farm Bureau$285
19State Farm$486
20Auto Club Enterprises (AAA)$991
20Safeway Insurance$525
20Southern Farm Bureau$264
20State Farm$428
21Auto Club Enterprises (AAA)$765
21Safeway Insurance$465
21Southern Farm Bureau$247
21State Farm$368
22Auto Club Enterprises (AAA)$685
22Safeway Insurance$465
22Southern Farm Bureau$232
22State Farm$334
23Auto Club Enterprises (AAA)$636
23Safeway Insurance$364
23Southern Farm Bureau$220
23State Farm$299
24Auto Club Enterprises (AAA)$576
24Safeway Insurance$364
24Southern Farm Bureau$210
24State Farm$274
25Auto Club Enterprises (AAA)$462
25Safeway Insurance$329
25Southern Farm Bureau$201
25State Farm$243
30Auto Club Enterprises (AAA)$373
30Safeway Insurance$267
30Southern Farm Bureau$171
30State Farm$203
35Auto Club Enterprises (AAA)$365
35Safeway Insurance$265
35Southern Farm Bureau$155
35State Farm$201
40Auto Club Enterprises (AAA)$363
40Safeway Insurance$248
40Southern Farm Bureau$147
40State Farm$201
45Auto Club Enterprises (AAA)$358
45Safeway Insurance$245
45Southern Farm Bureau$144
45State Farm$201
50Auto Club Enterprises (AAA)$353
50Safeway Insurance$224
50Southern Farm Bureau$143
50State Farm$198
55Auto Club Enterprises (AAA)$348
55Safeway Insurance$224
55Southern Farm Bureau$144
55State Farm$193
60Auto Club Enterprises (AAA)$363
60Safeway Insurance$225
60Southern Farm Bureau$149
60State Farm$189
65Auto Club Enterprises (AAA)$398
65Safeway Insurance$225
65Southern Farm Bureau$169
65State Farm$206
70Auto Club Enterprises (AAA)$398
70Safeway Insurance$225
70Southern Farm Bureau$169
70State Farm$206
75Auto Club Enterprises (AAA)$398
75Safeway Insurance$225
75Southern Farm Bureau$169
75State Farm$206

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Alexandria, LA, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
State Farm$905
Auto Club Enterprises (AAA)$953

Final thoughts: Car insurance cost in Alexandria, LA

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Alexandria, LA. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology


  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Alexandria, Louisiana.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for, and Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like and and managing content, now at

Nupur Gambhir

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

Please Enter Valid Question. Min 50 to max 250 characters are allowed. Only (& ? , .) charcters are allowed.
Please Enter Valid Email.
Error: Security check failed
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later.
Get quotes near you!
Please enter valid zip
author image
Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.