Cheapest Car Insurance Louisiana

Although Louisiana car insurance rates are much higher than the national average, there are still many options for cheap car insurance.

In the section below, we will provide you with information about the cheapest car insurance companies and most affordable providers based on coverage options.

Cheapest Car Insurance Companies in Louisiana

Currently, the cheapest car insurance companies in the state of Louisiana are Southern Farm Bureau, USAA, State Farm and Safeway insurance. The table below breaks down coverage and cost ratings for each of these companies:

Top Louisiana Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Number of Discounts Available	Learn More
Farm Bureau Insurance	8.8	9.2	9.2	N/A
USAA Learn More	9.2	9.5	9.7	9	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
Safeway Insurance	7.2	6.6	5.3	N/A

Top Louisiana Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Number of Discounts Available	Learn More
Farm Bureau Insurance	8.8	9.2	9.2	N/A
USAA Learn More	9.2	9.5	9.7	9	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
Safeway Insurance	7.2	6.6	5.3	N/A

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Louisiana.

Premiums are calculated differently for each company so your rates may vary depending on where you get coverage. With this in mind, we recommend searching around and comparing provider quotes to find the best auto insurance coverage for you.

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 at least. 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

Minimum coverage in Louisiana is cheapest at Southern Farm Bureau at rates of $41 per month or $492 per year. Southern Farm Bureau, USAA, Geico and State Farm offer the cheapest rates on average. Our averages show good drivers pay about $77 per month or $925 per year for minimum liability insurance.

Cheapest Full Coverage Car Insurance in Louisiana

According to our averages, the cheapest full coverage car insurance in Louisiana is found for as low as $160 per month from Southern Farm Bureau. The providers with the lowest average rates for full coverage car insurance in the state can be found below.

Depending on your age, driving history or credit score, your rates may differ widely. Here we will break down the cheapest car insurance companies for each of these core components.

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 USAA, State Farm and Louisiana Farm Bureau. Car insurance in Louisiana is more expensive for 16-year-olds than for any other age group.

Cheapest Louisiana Car Insurance for 17-Year-olds

17-year-olds in Louisiana can find average car insurance rates as low as $327 per month from USAA or $341 per month from Southern Farm Bureau.

*Costs were taken from 2o22 information.

Cheapest Louisiana Car Insurance for 18-Year-olds

18-year-olds in Louisiana can find the cheapest car insurance prices on average from USAA, Southern Farm Bureau and State Farm.

*Costs were taken from 2022 information.

Cheapest Louisiana Car Insurance for 21-Year-olds

In Louisiana, 21-year-old drivers with good driving records can typically find low rates from USAA, Geico and Southern Farm Bureau. Drivers who are 21 pay less on average than drivers in their teens.

*Costs were taken from 2022 information.

Cheapest Louisiana Car Insurance for 25-Year-olds

In Louisiana, 25-year-olds can find cheap car insurance as low as $189 per month from USAA.

Louisiana Car Insurance Cost by Driving Profile

Other factors like recent car accidents, speeding tickets and even your credit score can affect what you pay for car insurance in Louisiana.

Cheapest Louisiana Car Insurance for Drivers With a Speeding Ticket

The cheapest car insurance rates start at $179 per month or $2,148 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 cost of car insurance in Louisiana for drivers with a speeding violation is $3,712 per year.

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, State Farm and USAA. Drivers who have been in a recent at-fault accident will see their car insurance rates skyrocket. The cost of Louisiana car insurance jumps up to an average of $4,423 per year for drivers with an accident on their record.

Cheapest Louisiana Car Insurance for Drivers With a DUI

The cheapest car insurance for those with a DUI comes from Southern Farm  Bureau, State Farm and USAA. A DUI violation will cause your car insurance costs to increase dramatically. Drivers with a DUI on their record pay an average of $4,695 per year for car insurance in Louisiana.

Cheapest Louisiana Car Insurance for Drivers With Poor Credit

The cheapest poor credit auto insurance is offered by Southern Farm Bureau, USAA and Safeway Insurance. 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 $5,632 per year on average for coverage.

Car Insurance Deals 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 the best cheap car insurance companies provide, which we’ll explain in further detail in the next section.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

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 adding a homeowners policy to your auto coverage
• Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies with your family members or friends
• 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

For those interested in learning more about the best car insurance compnies in Louisiana, we have broken down coverage and ratings for each company below:

The average cost of full coverage car insurance in Louisiana is about $253 per month or $3,040 per year. This is about 51% more expensive than the national average of $2,008 per year for those with clean driving records. According to our research, Louisiana is one of the top five 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.

*C0sts were taken from 2022 information.

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.

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

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 get cheap auto insurance in Louisiana, compare rates from multiple companies. We recommend getting car insurance quotes from Southern Farm Bureau, USAA, State Farm and Safeway Insurance. While these are typically the cheapest companies on average for car insurance in Louisiana, compare car insurance quotes from providers to find the best rates and coverage for your needs.

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

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:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.