Best car insurance in Louisiana (2024)

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Nicole WakelinAutomotive journalistNicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country. Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast. Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Reviewed by

Michael Reynolds, CSRIC®, AIF®, CFT-I™Michael Reynolds, CSRIC®, AIF®, CFT-I™Financial AdvisorMichael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

Updated|3 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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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.

Ready to shop car insurance?

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

5

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

USAA logo

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

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.

State Farm

4.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

State Farm logo

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

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.

Louisiana Farm Bureau

Louisiana Farm Bureau logo

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

Safeway logo

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

Collapse table

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

Ready to shop car insurance?

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.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. J.D. Power

    . "

    2022 Auto Insurance Study

    ." Accessed January 23, 2023.

Authors

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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