The cheapest car insurance in Louisiana is from USAA at $124 a month, but it’s only an option if you’re a veteran, in the military, or a part of a military family. State Farm has the cheapest car insurance rates in Louisiana for other drivers.
Louisiana Farm Bureau and Safeway are also cheap options for car insurance in Louisiana. Given how expensive car insurance can be in Louisiana, it’s a good idea to compare rates to find the lowest prices.
Company | Average monthly cost | Average annual cost |
|---|---|---|
USAA | $124 | $1,486 |
State Farm | $137 | $1,642 |
Louisiana Farm Bureau | $175 | $2,102 |
Safeway | $204 | $2,450 |
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies by age in Louisiana
USAA is one of the most reliably cheap car insurance companies in the country. It also has a long-standing reputation for great customer service. Unlike other providers, USAA is only offered to drivers who are affiliated with the military.
Pros
Offers coverage in every state and the District of Columbia
Usually has some of the cheapest car insurance rates of any company
Drivers can use discounts to lower their rates
Consistently high customer satisfaction
Cons
Limited options for adding extra coverage
Only available to members of the military, veterans, and their families
Read our full USAA auto insurance review
The cheapest car insurance company in Louisiana is USAA, which costs $124 per month. That’s $1,486 a year, or $1,045 cheaper than the statewide average. USAA has the lowest average rates for drivers across different ages, including newly licensed drivers.
As the country’s biggest car insurance company, State Farm makes it easy for drivers to get coverage, make claims, and stay in contact. Also, State Farm is one of the cheapest insurers for most drivers, and tends to have great customer service.
Pros
Coverage available in nearly every state (along with in-person offices)
Cheap car insurance, including for some high-risk drivers
Consistently high customer service ratings
Some discounts, especially for good drivers
Cons
Doesn’t offer as many coverage options as some competitors
Read our full State Farm car insurance review
State Farm has the cheapest car insurance in Louisiana for most drivers. On average, State Farm costs $137 a month or $1,642 per year. That’s $889 cheaper than the statewide average in the Pelican State.
Like other Farm Bureau affiliates, Louisiana Farm Bureau has cheap average car insurance rates. It receives very few complaints for service, but only has a couple of coverage add-ons.
Pros
Cheaper-than-average rates
Receives very few complaints
Ability to bundle auto with home insurance
Cons
No gap insurance
Membership fee
On average, coverage from Farm Bureau is $175 a month or $2,102 per year in Louisiana. Farm Bureau’s rates are $429 cheaper than the statewide average in Louisiana.
Safeway has bare bones car insurance coverage, but you can still get a full-coverage policy. Safeway can also be affordable for higher-risk drivers, like people with bad credit.
Pros
Cheap coverage even with bad credit
Cons
Offers only basic coverage
Receives more complaints than average
Safeway has some of the cheapest car insurance rates in Louisiana. We found that full coverage from Safeway costs $204 per month, or $2,450 per year. That’s slightly cheaper ($81 per year) than average.
Best car insurance companies in Louisiana
The best car insurance provider in Louisiana is USAA, which earned the highest ratings on J.D. Power’s annual Auto Insurance Study. [1]
State Farm has the second-highest score in the Southeast region (which includes Louisiana), and unlike USAA, it’s available to the general public.
Rank | Company | Score |
|---|---|---|
1 | USAA | 886 |
2 | State Farm | 855 |
3 | GEICO | 843 |
4 | Progressive | 842 |
5 | Liberty Mutual | 831 |
Choosing the right car insurance company in Louisiana
Choosing a car insurance company can seem complicated, but it’s as simple as figuring out what’s most important to you and comparing options.
Here are a few key factors that you should consider when picking an insurance company:
Cost: Look at the bottom line to see what each company is charging, and compare rates to make sure you’re getting a good deal
Coverage: The more coverage you get the better protected you’ll be, so set your limits as high as you can reasonably afford
Claims and customer service: Don’t just compare cost, you should also check customer reviews and claims satisfaction ratings before you buy a policy to avoid potential headaches down the road
Policygenius makes it easy to compare quotes from top companies, so you can be sure you’re choosing the best option for your needs.
Car insurance rates for drivers with driving violations in Louisiana
Driving violations can have a big impact on what you pay for car insurance. Speeding tickets, at-fault accidents and other serious violations like a DUI can all increase your rates by hundreds and sometimes thousands of dollars a year.
We found that State Farm has the best rates in Louisiana for drivers with a violation on their records.
Violation | State Farm | USAA | Farm Bureau | Safeway Insurance | Progressive |
|---|---|---|---|---|---|
At-fault accident | $1,910 | $2,256 | $2,518 | $3,178 | $4,280 |
Suspended license | $1,786 | $2,329 | $2,292 | $3,392 | $3,563 |
Open container | $1,786 | $2,069 | $2,463 | $2,751 | $3,845 |
Expired registration | $1,786 | $1,987 | $2,292 | $2,644 | $3,563 |
Driving without lights | $1,786 | $1,987 | $2,292 | $2,644 | $3,563 |
Running a red light | $1,786 | $1,987 | $2,292 | $2,644 | $3,563 |
Following too closely | $1,786 | $1,987 | $2,292 | $2,644 | $3,563 |
Hit and run | $1,786 | $2,572 | $2,463 | $3,392 | $3,845 |
Not-at-fault accident | $1,661 | $1,558 | $2,172 | $2,586 | $2,656 |
Passing a school bus | $1,786 | $2,069 | $2,292 | $2,644 | $3,563 |
Reckless driving | $1,786 | $2,069 | $2,463 | $3,392 | $3,845 |
Cheapest car insurance for drivers with a DUI in Louisiana
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,786 |
USAA | $2,454 |
Farm Bureau | $2,463 |
Safeway Insurance | $3,392 |
Progressive | $3,845 |
Cheapest car insurance for drivers with a speeding ticket in Louisiana
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,786 |
USAA | $1,987 |
Farm Bureau | $2,292 |
Safeway Insurance | $2,644 |
Progressive | $3,440 |
Cheapest car insurance for drivers with bad credit in Louisiana
Bad credit is bad news when it comes to car insurance rates. Insurance companies charge more for drivers with bad credit, so if you know your poor credit is going to lead to higher rates, make sure to shop around and compare quotes to find the cheapest coverage.
We found that USAA has the cheapest car insurance in Louisiana for drivers with bad credit.
Company | Rates for drivers with bad credit |
|---|---|
USAA | $2,482 |
Safeway Insurance | $2,586 |
Farm Bureau | $3,465 |
GEICO | $4,019 |
Progressive | $4,745 |
Car insurance costs in Louisiana cities
City drivers generally pay more for car insurance, because more people on the road means more accidents and claims. Crime rates, especially rates of car theft and vandalism, as well as repair costs in a given area also go into calculating car insurance costs.
Here are the average annual car insurance rates in the 10 largest cities in Louisiana by population:
New Orleans: $3,940
Baton Rouge: $3,082
Shreveport: $2,284
Metairie: $3,109
Lafayette: $2,691
Lake Charles: $2,654
Bossier City: $2,112
Kenner: $3,184
Monroe: $2,607
Alexandria: $2,761
Buying car insurance in Louisiana
Louisiana requires car insurance for all registered vehicles. According to Louisiana state law, drivers in Louisiana must have at least the following amount of coverage:
Bodily injury liability coverage per person: $15,000
Bodily injury liability coverage per accident: $30,000
Property damage liability coverage: $25,000
Louisiana drivers must carry proof of valid car insurance in their cars at all times. If you are unable to show proof of that insurance, then you could be subject to fines, license suspension — even the revocation of your vehicle registration.
Louisiana is an at-fault state when it comes to car insurance. That means that the insurance company of the driver found responsible for an accident must pay for the other party’s medical bills and repair costs. That’s why it’s a good idea to have well over the minimum amount of liability insurance required by law.
How to get cheap car insurance in Louisiana
There are many ways to get cheap car insurance in Louisiana, including:
Drive safely: Avoid accidents and driving violations to save on your car insurance rates
Compare quotes: Compare rates when you shop to get the cheapest car insurance.
Bundle policies: Get your auto, home, motorcycle and boat insurance from the same company and save big
Know your discounts: Find out what discount opportunities you qualify for — most car insurance companies offer discounts for going paperless, paying your annual premium up front, taking a defensive driving course and doing well in school
Reshop often: Shop around for car insurance every six months to a year to make sure you’re still getting the lowest rates
Find car insurance in your city:
Frequently asked questions
Who has the cheapest car insurance rates in Louisiana?
USAA and State Farm are the two cheapest insurance companies in Louisiana, but rates vary from driver to driver, so you should shop around to make sure you’re getting your best rates.
How can I save on my car insurance in Louisiana?
You can save on your car insurance by avoiding accidents and driving violations and maintaining a healthy credit score. You should also shop around and compare quotes before you buy, and reshop yearly to make sure you’re still getting the best rates.
Is Louisiana a no-fault state?
No, Louisiana is an at-fault state. The car insurance company of whichever driver is found to be at-fault for an accident is responsible for the other party’s related expenses.
Does Louisiana require car insurance?
Yes, Louisiana requires at least $15,000 per person/$30,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage.
