Key Takeaways
- Louisiana drivers pay an average of $4,357 per year or $363 per month for full-coverage car insurance.
- Southern Farm Bureau offers the cheapest car insurance for most Louisiana drivers at $204 per month for full coverage.
- Louisiana drivers with a history of speeding tickets or accidents can find cheap coverage with Progressive.
We at the MarketWatch Guides team have taken an in-depth look at the cheapest car insurance in Louisiana. Through our study of the best car insurance companies, we found Southern Farm Bureau and Geico to be the cheapest car insurance companies in the Bayou State.
In this article, you’ll find cost estimates based on our research into each provider’s coverage options, customer experience and industry standing. We will also go over state-specific insurance laws and regulations.
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Who Offers The Best Car Insurance Rates in Louisiana?
Southern Farm Bureau offers the lowest car insurance rates for Louisiana drivers in 2024 at $204 per month for full coverage and $56 per month for minimum-liability coverage. However, the lowest rates for your unique driver profile may come from another company. Below, we give a quick overview of the cheapest options for different drivers in Louisiana.
Cheapest Car Insurance Rates in Louisiana
| Cheapest Car Insurance in Louisiana (by Category) | Company | Average Monthly Premium |
|---|---|---|
| Minimum-Liability Coverage | Southern Farm Bureau | $56 |
| Full Coverage | Southern Farm Bureau | $204 |
| Young Drivers | Southern Farm Bureau | $432* |
| Seniors | Southern Farm Bureau | $244* |
| After A Speeding Ticket | Southern Farm Bureau | $228* |
| After An Accident | Southern Farm Bureau | $257* |
| After A DUI | Southern Farm Bureau | $262* |
| Bad Credit | Southern Farm Bureau | $369* |
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Cheapest Car Insurance Companies in Louisiana
Based on quotes from top providers across dozens of Louisiana ZIP codes, we’ve found the top four most affordable companies in Louisiana are as follows:
1. Southern Farm Bureau
2. USAA
3. Geico
4. Progressive
Although Louisiana car insurance rates are much higher than the national average, there are still many options for cheap car insurance.
Click on any of the top providers above to skip ahead and learn more about each company. Throughout this article, we’ll break down the cheapest providers for many different driver profiles, and as you read you’ll see these and other companies listed.
Cheapest Large Car Insurance Companies in Louisiana
Among major insurance companies, Geico, Progressive, USAA, State Farm and Farmers are the most affordable in Louisiana.
| Cheapest Large Car Insurance Company In Louisiana | Minimum Coverage (Annual) | Full Coverage (Annual) | # Of Discounts | Cost Rating (Entire US)* | Learn More |
|---|---|---|---|---|---|
GeicoLearn More | $889 | $4,048 | 16 | 9.1 | Learn More |
ProgressiveLearn More | $983 | $3,988 | 13 | 7.8 | Learn More |
USAALearn More | $1,025 | $3,200 | 7 | 9.7 | Learn More |
State FarmLearn More | $1,384 | $4,307 | 10 | 9.3 | Learn More |
FarmersLearn More | $3,524 | $5,419 | 15 | 7.4 | Learn More |
| Cheapest Large Car Insurance Company In Louisiana | Minimum Coverage (Annual) | Full Coverage (Annual) | # Of Discounts | Cost Rating (Entire US)* | Learn More |
|---|---|---|---|---|---|
GeicoLearn More | $889 | $4,048 | 16 | 9.1 | Learn More |
ProgressiveLearn More | $983 | $3,988 | 13 | 7.8 | Learn More |
USAALearn More | $1,025 | $3,200 | 7 | 9.7 | Learn More |
State FarmLearn More | $1,384 | $4,307 | 10 | 9.3 | Learn More |
FarmersLearn More | $3,524 | $5,419 | 15 | 7.4 | Learn More |
*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Louisiana.
Learn more: Largest Car Insurance Companies
Cheapest Car Insurance Coverage in Louisiana
The coverage level you choose has a major impact on the car insurance rates you are quoted. Most premium estimates given by providers often include quotes for minimum- and full-coverage auto insurance policies. In Louisiana, drivers are only required to have minimum coverage, however, our team recommends looking into full coverage too. While it is more expensive, the peace of mind it will provide is more than worth it for most drivers.
In the tables below, we highlight the cheapest auto insurance options in Louisiana for both coverage types.
Cheapest Liability Car Insurance in Louisiana
Southern Farm Bureau has the cheapest minimum-coverage rates in Louisiana at $56 per month or $674 per year. These rates are based on the profile of 35-year-old drivers with good credit and a clean driving record. After Southern Farm Bureau, Geico, Progressive, USAA and Auto Club Enterprise offer the most affordable minimum-coverage policies.
Compare the averages in the chart below to Louisiana’s statewide minimum-coverage average of $1,497 per year or $125 per month to gauge just how affordable each provider is:
| Cheapest Liability Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $56 | $674 |
| Geico | $74 | $889 |
| Progressive | $82 | $983 |
| USAA | $85 | $1,025 |
| Auto Club Enterprises | $113 | $1,362 |
| State Farm | $115 | $1,384 |
| Louisiana Farm Bureau | $120 | $1,438 |
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Cheapest Full-Coverage Car Insurance in Louisiana
According to our averages, the cheapest full-coverage car insurance in Louisiana can be found for as low as $204 per month from Southern Farm Bureau. This is about 44% less than $363 per month — the statewide full-coverage average in Louisiana. It’s also more affordable than the national average of $223 per month for similar coverages.
Keep those monthly averages in mind when considering the full-coverage rates from popular insurance providers in Louisiana below:
| Cheapest Full-Coverage Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $204 | $2,448 |
| USAA | $267 | $3,200 |
| Progressive | $332 | $3,988 |
| Geico | $337 | $4,048 |
| State Farm | $359 | $4,307 |
| Safeway Insurance | $400 | $4,801 |
| Louisiana Farm Bureau | $408 | $4,892 |
| SafeAuto Insurance | $421 | $5,053 |
| Farmers | $452 | $5,419 |
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Cheapest Car Insurance for Young Drivers in Louisiana
Auto insurance companies typically charge higher rates for young drivers compared to older adults. The series of tables below compare the cheapest auto insurance companies for each major young adult age group.
Cheapest Louisiana Car Insurance for 16-Year-Olds
16-year-olds in Louisiana can generally find the cheapest car insurance from Safeway Insurance, Louisiana Farm Bureau or SafeAuto Insurance. As is often the case, car insurance in Louisiana is more expensive for 16-year-old drivers than any other age group.
| Cheapest Full-Coverage Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Safeway Insurance | $776 | $9,318 |
| Louisiana Farm Bureau | $916 | $10,994 |
| SafeAuto Insurance Company | $11,923 | $994 |
Cheapest Louisiana Car Insurance for 17-Year-Olds
17-year-olds in Louisiana can find average car insurance rates as low as $432 per month from Southern Farm Bureau or $776 per month from Safeway Insurance.
| Cheapest Full-Coverage Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $432 | $5,190 |
| Safeway Insurance | $776 | $9,318 |
| Louisiana Farm Bureau | $916 | $10,994 |
| SafeAuto Insurance | $954 | $11,448 |
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Cheapest Louisiana Car Insurance for 18-Year-Olds
18-year-olds in Louisiana can find the cheapest car insurance prices on average from Southern Farm Bureau, Safeway Insurance, and Louisiana Farm Bureau.
| Cheapest Full-Coverage Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $397 | $4,759 |
| Safeway Insurance | $776 | $9,318 |
| Louisiana Farm Bureau | $916 | $10,994 |
| SafeAuto Insurance | $920 | $11,046 |
| Auto Club Enterprises | $956 | $11,472 |
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Cheapest Louisiana Car Insurance for 19-Year-Olds
Louisiana drivers aged 19 can find affordable car insurance from Southern Farm Bureau, USAA and Geico. Progressive is a great choice for high-risk drivers and may make a forgiving choice for young drivers with recent speeding tickets or accidents.
| Cheapest Full-Coverage Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $367 | $4,405 |
| USAA | $441 | $5,295 |
| Geico | $500 | $5,999 |
| Progressive | $673 | $8,075 |
| State Farm | $687 | $8,249 |
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Cheapest Louisiana Car Insurance for 21-Year-Olds
In Louisiana, 21-year-old drivers with good driving records can typically find low rates from Southern Farm Bureau, USAA and Geico. Drivers who are 21 pay less on average than drivers in their teens.
| Cheapest Full-Coverage Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $322 | $3,864 |
| USAA | $408 | $4,900 |
| Geico | $452 | $5,429 |
| Progressive | $544 | $6,531 |
| State Farm | $621 | $7,450 |
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Cheapest Louisiana Car Insurance for 25-Year-Olds
In Louisiana, 25-year-olds can find cheap car insurance as low as $266 per month from Southern Farm Bureau.
| Cheapest Full-Coverage Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $266 | $3,193 |
| USAA | $342 | $4,106 |
| Geico | $383 | $4,600 |
| Progressive | $408 | $4,902 |
| Louisiana Farm Bureau | $425 | $5,101 |
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Cheapest Car Insurance In Louisiana For Seniors
Southern Farm Bureau offers the same affordable car insurance for Louisiana seniors as it does for most drivers in the state. In the sections below, we’ll break down average costs from the most affordable providers for senior drivers.
Read more: Best Car Insurance For Seniors in the U.S.
Cheapest Louisiana Car Insurance for 65-Year-Olds
In Louisiana, 65-year-olds can find cheap car insurance as low as $224 per month from Southern Farm Bureau. For retired military members, USAA is also an affordable choice at $289 per month on average.
| Cheapest Full-Coverage Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $224 | $2,691 |
| USAA | $289 | $3,469 |
| Progressive | $310 | $3,720 |
| Geico | $344 | $4,124 |
| Safeway Insurance | $371 | $4,451 |
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Cheapest Louisiana Car Insurance for 75-Year-Olds
Senior drivers aged 75 can get full coverage from Southern Farm Bureau for $224 per month.
| Cheapest Full-Coverage Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $224 | $2,691 |
| USAA | $289 | $3,469 |
| Progressive | $310 | $3,720 |
| Geico | $316 | $3,797 |
| Safeway Insurance | $371 | $4,451 |
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Cheapest Car Insurance In Louisiana For High-Risk Drivers
Other factors like recent car accidents, speeding tickets and even your credit score can affect what you pay for car insurance in Louisiana.
Read more: Best Car Insurance For High-Risk Drivers in the U.S.
Cheapest Louisiana Car Insurance for Drivers With a Speeding Ticket
The cheapest car insurance rates start at $228 per month or $2,736 per year from Southern Farm Bureau. Drivers in Louisiana with a speeding ticket in their driving history will see their car insurance premiums increase. The average full-coverage cost of car insurance in Louisiana for drivers with a speeding violation is $5,078 per year.
| Cheapest Full-Coverage Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $228 | $2,736 |
| USAA | $306 | $3,676 |
| Progressive | $356 | $4,277 |
| State Farm | $362 | $4,345 |
| Geico | $397 | $4,766 |
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Cheapest Louisiana Car Insurance for Drivers With a Recent Accident
The cheapest car insurance estimates for drivers with a recent accident come from Southern Farm Bureau, USAA and State Farm. The cost of Louisiana car insurance jumps up to an average of $5,468 per year for drivers with an accident on their record.
| Cheapest Full-Coverage Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $257 | $3,083 |
| USAA | $321 | $3,856 |
| State Farm | $379 | $4,547 |
| Louisiana Farm Bureau | $439 | $5,265 |
| Safeway Insurance | $447 | $5,362 |
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Cheapest Louisiana Car Insurance for Drivers With a DUI
The cheapest car insurance for those with a DUI comes from Southern Farm Bureau, USAA and Progressive. A DUI violation will cause your car insurance costs to increase dramatically. Drivers with a DUI on their record pay an average of $5,266 per year for full-coverage car insurance in Louisiana.
| Cheapest Full-Coverage Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $262 | $3,147 |
| USAA | $335 | $4,019 |
| Progressive | $339 | $4,072 |
| State Farm | $362 | $4,345 |
| Louisiana Farm Bureau | $408 | $4,892 |
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Cheapest Louisiana Car Insurance for Drivers With Poor Credit
The cheapest poor credit auto insurance is offered by Southern Farm Bureau, Safeway Insurance and Geico. If you have a poor credit score, car insurance in Louisiana is astronomically more expensive than it is for those with good credit scores. Louisiana drivers with poor credit pay $6,666 per year for full coverage on average.
| Cheapest Full-Coverage Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $369 | $4,424 |
| Safeway Insurance | $375 | $4,498 |
| Geico | $406 | $4,867 |
| USAA | $419 | $5,026 |
| Progressive | $495 | $5,945 |
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Cheap Car Insurance Quotes in Louisiana
Most car insurance companies offer a wide variety of car insurance discounts and deals for drivers in Louisiana. The table below shows which car insurance discounts large insurance companies provide.
| Louisiana Car Insurance Discounts | USAA | Geico | State Farm | Progressive | Farmers |
| Multi-policy | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Multi-vehicle | ✔️ | ✔️ | ✔️ | ✔️ | |
| Safe driver | ✔️ | ✔️ | ✔️ | ||
| Student | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Defensive driving | ✔️ | ✔️ | ✔️ | ||
| Driver training | ✔️ | ✔️ | |||
| New vehicle | ✔️ | ✔️ | |||
| Car safety equipment | ✔️ | ✔️ | ✔️ | ✔️ | |
| Loyalty | ✔️ | ✔️ | |||
| Military | ✔️ | ✔️ | ✔️ |
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Common Car Insurance Discounts in Louisiana
Drivers in Louisiana who take advantage of available car insurance discounts may be able to lower their premiums significantly. If you’re shopping around for car insurance, search for companies that provide the best discounts for you. You can also ask your existing provider what discounts may be available that you might not be aware of.
Here’s more information on the most common types of discounts offered by auto insurance companies:
- Multi-policy: Bundling two or more insurance policies with the same company, such as a homeowners policy
- Multi-vehicle: Insuring multiple cars under the same policy
- Military: Applies whether you’re an active military member or a veteran
- Senior: Typically applies to policyholders who are 55 and older
- Homeowners: You may qualify for this discount if you’re paying a mortgage
- Good student: Usually for college and high school students under 25 who maintain a B average in their courses
- Good driver: Applies to drivers with a clean driving record (no at-fault accidents, DUIs or speeding tickets in the last three years)
- Defensive driving: Those who take a defensive driving course tend to qualify for this discount
- Driver training: Get a discount by taking a driver education training course
- New car: Given to drivers who purchase a new car, typically three model years or newer
- Safe car: Applies if your vehicle has safety features like anti-theft technology or automatic braking
- Paperless: Get a discount by opting to receive your documents through email
- Pay-in-full: Save on your car insurance premium by paying your policy in full up front
Cheap Car Insurance Quotes in Louisiana by ZIP Code
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Best Cheap Car Insurance in Louisiana
For those interested in learning more about the best car insurance companies in Louisiana, we have broken down coverage and ratings for each company below:
#1 Southern Farm Bureau: Strong Local Coverage
8.7/10
Cheapest Car Insurance Rate in Louisiana: $56 per month
Cheapest Coverage in Louisiana for: Most Drivers
Number of Discounts: 11
Southern Farm Bureau Overview
Founded in 1947, Southern Farm Bureau has been providing high-quality insurance products for more than 75 years. It’s our review team’s number one choice for Louisiana drivers, due to its affordable car insurance rates, range of insurance offerings and benefits like its deductible rewards program. You need to be a member of a local Farm Bureau organization to get coverage, but it’s simple to join.
Southern Farm Bureau Cost and Coverage in Louisiana
Southern Farm Bureau customers in Louisiana pay an average of $56 per month or $674 per year for minimum-coverage car insurance. Drivers with full coverage from the company pay an average of $204 per month or $2,448 per year. Both rates are significantly lower than the Louisiana state averages and the national averages for similar policies.
Southern Farm Bureau offers the standard coverages necessary to meet Louisiana state minimums in addition to comprehensive and collision coverage. Louisiana customers can also purchase optional rental car and roadside assistance coverages to supplement their plans.
Top Southern Farm Bureau Insurance Discounts in Louisiana
In Louisiana, Southern Farm Bureau offers safe drivers discounts through defensive driver and driver education discounts. Teen drivers can get discounts on insurance premiums thanks to the company’s good student and safe young driver discounts. Southern Farm Bureau also offers DriveDown, a usage-based program that tracks your driving habits and rewards you accordingly.
#2 USAA: Best for Military Members
9.3/10
Cheapest Car Insurance Rate in Louisiana: $85 per month
Cheapest Coverage in Louisiana for: Young Military Members
Number of Discounts:7
USAA Insurance Overview
USAA consistently receives one of the highest ratings in J.D. Power Insurance studies across the board, although they are not formally ranked. It also ranks highly for car insurance in Louisiana due to its affordable rates and outstanding customer service. It offers some of the lowest rates on average for many types of Louisiana drivers. USAA coverage is only available to military members, veterans and their families, but it can be a smart choice for those who qualify.
USAA Cost and Coverage in Louisiana
Based on quotes we received from USAA, qualifying drivers in Louisiana can expect to pay around $85 per month or $1,025 per year for minimum coverage. Full-coverage customers in the state can expect to pay around $267 per month or $3,200 per year. While these rates aren’t the lowest in the state, USAA stands out by offering lower rates than other providers for young enlisted military members.
Coverages available from USAA include the standard minimum-coverage requirements for Louisiana plus comprehensive and collision optional coverages. USAA also offers roadside assistance, accident forgiveness, rental reimbursem*nt and car replacement assistance. For those in search of more specialized coverage, USAA drivers can also get rideshare or classic car insurance.
Top USAA Discounts in Louisiana
USAA offers a wide variety of discounts for its eligible customers. For Louisiana drivers, we like that USAA offers a family and military installation discount for young enlisted who may be legacy members serving at one of the state’s many bases. USAA also offers a low annual mileage discount and vehicle storage discounts to keep insurance affordable for active duty military members.
Keep reading: USAA Insurance Review
#3 Geico: Best for Budget-Conscious Drivers
9.3/10
Cheapest Car Insurance Rate in Louisiana: $74 per month
Cheapest Coverage in Louisiana for: Drivers with minimum coverage
Number of Discounts: 12
Geico Overview
Geico is one of the most well-known and popular names in the insurance industry. Geico customers enjoy low rates from the company, due to its wide selection of discounts. The company is in our top five most affordable providers in the state because its minimum-coverage as well as full-coverage policies are affordable for many Louisiana drivers.
Geico Cost and Coverage Options in Louisiana
Louisiana drivers can get minimum coverage from Geico for an average of $74 per month or $889 per year, which is well below the statewide average of $1,497 per year. Full coverage from Geico costs motorists around $337 per month or $4,048 per year, which also beats the state average of $4,357 per year for similar coverage.
Geico offers standard minimum- and full-coverage options in Louisiana plus optional coverages like roadside assistance and rental car reimbursem*nt. Geico coverage options also include mechanical breakdown insurance (MBI), which functions similarly to an extended car warranty.
Top Geico Discounts in Louisiana
Through Geico’s DriveEasy program, Louisiana drivers can save up to 10% for practicing safe driving habits. The company also offers military discounts, safe driving discounts, and bundling discounts for Louisiana residents with multiple insurance policies.
Read more: Geico Car Insurance Review
#4 Progressive: Best for High-Risk Drivers
9.4/10
Cheapest Car Insurance Rate In Louisiana: $82 per month
Cheapest Coverage In Louisiana For: High-risk drivers
Number of Discounts: 13
Progressive Overview
Progressive has a reputation of being great for traditionally high-risk drivers, such as teen drivers or those with a recent speeding ticket or accident. This holds true for Louisiana drivers, with Progressive offering some of the lowest rates in the state for drivers with these profiles.
Progressive Cost and Coverage Options in Louisiana
Minimum coverage from Progressive costs drivers in Louisiana an average of $82 per month or $983 per year. Progressive’s full-coverage policies cost an average of $322 per month or $3,988 per year.
For Louisiana drivers, Progressive offers standard options as well as optional coverages like rideshare coverage, roadside assistance, custom parts coverage, and gap coverage.
Top Progressive Discounts in Louisiana
Progressive offers Louisiana customers common money-saving opportunities like policy bundle discounts, safe driving discounts and good student discounts. Customers who get quotes, sign up for a new policy, or opt to view their bills online can get special discounts as well. Drivers can also sign up for Progressive Snapshot, a usage-based insurance program that offers discount opportunities for safe drivers.
Read more: Progressive Insurance Review
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Average Cost of Car Insurance in Louisiana
The average cost of full-coverage car insurance in Louisiana is about $363 per month or $4,357 per year. This is about 63% more expensive than the national average of $2,681 per year for those with clean driving records. According to our research, Louisiana is one of the most expensive states for car insurance.
Louisiana Car Insurance Cost by Age
In Louisiana, teens on their own policies may pay four times what a middle-aged driver pays for car insurance. Below, you can see average full-coverage costs for drivers of different ages.
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $922 | $11,059 |
| 17 | $683 | $8,200 |
| 18 | $666 | $7,994 |
| 19 | $710 | $8,522 |
| 21 | $612 | $7,340 |
| 25 | $464 | $5,568 |
| 35 | $363 | $4,357 |
| 45 | $379 | $4,543 |
| 55 | $350 | $4,203 |
| 65 | $378 | $4,532 |
| 75 | $376 | $4,511 |
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Cost of Louisiana Car Insurance by City
While the cost of auto insurance in Louisiana is high statewide, rates vary significantly depending on where you live. For instance, those who live in rural areas tend to pay much less for coverage than those who live around the New Orleans area.
| City in Louisiana | Average Monthly Full-Coverage Cost | Average Annual Full-Coverage Cost |
| Baton Rouge | $370 | $4,434 |
| Denham Springs | $337 | $4,041 |
| Gretna | $421 | $5,054 |
| Kenner | $361 | $4,328 |
| Lafayette | $315 | $3,777 |
| Mandeville | $286 | $3,428 |
| Marrero | $419 | $5,031 |
| Metairie | $366 | $4,386 |
| Monroe | $320 | $3,845 |
| New Orleans | $429 | $5,151 |
| Shenandoah | $346 | $4,154 |
| Shreveport | $283 | $3,393 |
| Terrytown | $433 | $5,194 |
| West Monroe | $299 | $3,585 |
| Youngsville | $313 | $3,753 |
| Zachary | $349 | $4,192 |
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Factors That Affect Car Insurance Costs
Premiums for car insurance in Louisiana are calculated based on each person’s driving profile.
Some factors used by auto insurance companies when coming up with rates include:
- Your location
- Vehicle age, make and model
- Your age
- Your gender
- Your marital status
- Driving history
- Credit score
- Chosen deductible amount
Louisiana Car Insurance Requirements
Like most states, Louisiana has minimum-coverage requirements all drivers must meet. According to the Louisiana Department of Insurance, the state auto insurance requirements include:
- Bodily injury liability coverage: $15,000 per person and $30,000 per accident
- Property damage liability coverage: $25,000 per accident
While Louisiana’s state minimum-coverage requirements only include liability insurance, many drivers prefer opting for additional coverage options for greater protection. This can include:
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Personal injury protection (PIP) is not available in Louisiana.
How To Get Car Insurance in Louisiana
To find the cheapest car insurance in Louisiana, we recommend getting car insurance quotes from Southern Farm Bureau, USAA, Geico, and Progressive. While these are typically the cheapest companies on average for car insurance in the Bayou State, compare them against car insurance quotes from any of your preferred providers to find the best rates and coverage for your needs.
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Cheap Louisiana Car Insurance: The Bottom Line
In this article, we reviewed the cheapest auto insurance companies, their coverages and rate averages in Louisiana. We also outlined the average cost of car insurance in the state as well as coverage requirements and regulations.
Cheap Car Insurance in Louisiana: FAQ
Below are some frequently asked questions about cheap car insurance in the state of Louisiana:
Louisiana drivers can get full-coverage car insurance for $363 per month and minimum coverage for around $125 per month, on average. Depending on the provider and your unique situation, you may find cheaper rates than these.
Full-coverage policies cost about $4,357 per year, which puts Louisiana car insurance at about 63% higher than the national average.
Louisiana law requires drivers to carry minimum liability coverage, including $15,000 per person and $30,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage.
There are two main reasons the cost of car insurance coverage is so high for Louisiana drivers: uninsured motorists and auto litigations. Car insurance rates in Louisiana are affected by the sheer number of uninsured drivers on the road. Additionally, an overwhelming number of cases are brought to court, which further increase the cost of Louisiana car insurance.
If you don’t have car insurance in Louisiana, you risk fines of between $500 and $1,000 or even car impoundment.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at [email protected].
