Car insurance in Leesville for an adult with a clean driving record and good insurance score costs $1,969 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 Leesville by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Leesville.

Key Highlights
  • Car insurance in Leesville is cheaper than car insurance in Louisiana for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Leesville is $1,969 per year or $164 per month.
  • In Leesville, USAA offers the cheapest full coverage car insurance at $96 per month.

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

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

  • State minimum: $446 per year
  • Liability-only coverage (50/100/50): $801 per year
  • Full coverage (100/300/100): $1,969 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$232$403$1,178
State Farm$414$790$1,870
Safeway Insurance$658$958$2,210
Auto Club Enterprises (AAA)$720$1,562$3,622


  • 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 Leesville, LA?

Out of all the carriers available in Leesville, USAA offers the cheapest full coverage car insurance at $96 per month.

The second-cheapest car insurance company in Leesville is Southern Farm Bureau, offering car insurance at $98 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Southern Farm Bureau$98
State Farm$156
Safeway Insurance$184
Auto Club Enterprises (AAA)$302

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 Leesville, 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 Leesville, LA

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

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$164
Auto Club Enterprises$545


  • 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 Leesville, LA

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

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$164
Auto Club Enterprises$427

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

Companies with the cheapest insurance by driver profile in Leesville, 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 Leesville, LA, by age

Age is a key factor when considering car insurance rates in most cities, including Leesville – 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)$3,973
16Safeway Insurance$523
16Southern Farm Bureau$325
16State Farm$538
17Auto Club Enterprises (AAA)$1,278
17Safeway Insurance$523
17Southern Farm Bureau$213
17State Farm$474
18Auto Club Enterprises (AAA)$1,118
18Safeway Insurance$523
18Southern Farm Bureau$196
18State Farm$422
19Auto Club Enterprises (AAA)$972
19Safeway Insurance$398
19Southern Farm Bureau$182
19State Farm$373
20Auto Club Enterprises (AAA)$828
20Safeway Insurance$398
20Southern Farm Bureau$171
20State Farm$329
21Auto Club Enterprises (AAA)$639
21Safeway Insurance$356
21Southern Farm Bureau$161
21State Farm$283
22Auto Club Enterprises (AAA)$572
22Safeway Insurance$356
22Southern Farm Bureau$153
22State Farm$258
23Auto Club Enterprises (AAA)$530
23Safeway Insurance$278
23Southern Farm Bureau$146
23State Farm$232
24Auto Club Enterprises (AAA)$480
24Safeway Insurance$278
24Southern Farm Bureau$139
24State Farm$214
25Auto Club Enterprises (AAA)$386
25Safeway Insurance$246
25Southern Farm Bureau$134
25State Farm$189
30Auto Club Enterprises (AAA)$311
30Safeway Insurance$199
30Southern Farm Bureau$115
30State Farm$159
35Auto Club Enterprises (AAA)$304
35Safeway Insurance$197
35Southern Farm Bureau$104
35State Farm$156
40Auto Club Enterprises (AAA)$302
40Safeway Insurance$184
40Southern Farm Bureau$98
40State Farm$156
45Auto Club Enterprises (AAA)$298
45Safeway Insurance$182
45Southern Farm Bureau$95
45State Farm$155
50Auto Club Enterprises (AAA)$293
50Safeway Insurance$166
50Southern Farm Bureau$94
50State Farm$152
55Auto Club Enterprises (AAA)$289
55Safeway Insurance$166
55Southern Farm Bureau$96
55State Farm$148
60Auto Club Enterprises (AAA)$302
60Safeway Insurance$167
60Southern Farm Bureau$99
60State Farm$145
65Auto Club Enterprises (AAA)$332
65Safeway Insurance$167
65Southern Farm Bureau$113
65State Farm$156
70Auto Club Enterprises (AAA)$332
70Safeway Insurance$167
70Southern Farm Bureau$113
70State Farm$156
75Auto Club Enterprises (AAA)$332
75Safeway Insurance$167
75Southern Farm Bureau$113
75State Farm$156

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

Cheapest rates for drivers in Leesville, 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$705
Auto Club Enterprises (AAA)$791

Final thoughts: Car insurance cost in Leesville, 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 Leesville, 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 Leesville, 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

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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

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John McCormick

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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

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Leslie Kasperowicz

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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

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Nupur Gambhir

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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.

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