Who Has the Cheapest Car Insurance Rates in Louisiana?

Who Has the Cheapest Car Insurance Rates in Louisiana?

We reviewed the top car insurance companies in Louisiana and found that Louisiana Farm Bureau has the best rates for a minimum coverage policy ($434 per year), as well as for full coverage ($1,733).

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We reviewed the top car insurance companies in Louisiana and found that Louisiana Farm Bureau has the best rates for a minimum coverage policy ($434 per year), as well as for full coverage ($1,733).

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Costs can vary widely by company. The cheapest car insurance company in Louisiana is Louisiana Farm Bureau, costing an average of $434 per year. The most expensive insurer is Geico, at $1,949 per year.

Read through our study and then enter your information above to find out which company can offer you the best price on car insurance in your town in Louisiana.

Cheapest auto insurance companies in Louisiana

If you only want to buy the minimum required liability auto insurance in the state of Louisiana, Louisiana Farm Bureau is the cheapest widely-available option, according to our research.

Find Cheap Auto Insurance Quotes in Louisiana

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Safeway, Geico and Allstate represent more expensive options for our sample driver.

Rank
Company
Average annual rate
1Farm Bureau$434
2State Farm$796
3Progressive$1,099
4Safeway$1,415
5Allstate$1,487
6Geico$1,949
N/AUSAA$718

USAA is excluded from rankings because it is only available to current and former military members and their families.

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Although a minimum liability policy will fulfill your legal requirement to own a car insurance policy, minimum liability limits may be too low to cover your costs in the event of a major accident. And the lack of comprehensive or collision insurance — key parts of a full coverage policy — means that your own car will not be covered when an accident is your fault or if another driver is uninsured.

On average, a minimum liability policy in Louisiana is 68% cheaper than a full coverage policy.

Cheapest company for full coverage: Louisiana Farm Bureau

If you're looking to add more protection than a standard auto insurance liability policy covers, you should consider a full coverage policy. Louisiana Farm Bureau offers the cheapest full coverage policy, but State Farm and Safeway also represent affordable options.

Insurer
Annual cost
Monthly cost
Louisiana Farm Bureau$1,733$144
State Farm$2,430$203
Safeway$2,920$243
Louisiana average$3,546$296
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An auto insurance policy with just liability insurance does not cover you for damage to your own car. You'll need comprehensive and collision insurance, part of a full coverage policy, for that. Louisiana residents should consider paying extra for full coverage if their cars still have notable value.

Cheap car insurance for drivers with prior incidents

If you have a less-than-perfect driving history, you're likely to pay more for car insurance because insurers think you're more likely to file a claim in the future. That makes shopping around for your best price even more important.

Cheapest for drivers with an accident: Louisiana Farm Bureau

Drivers with a recent accident generally pay more for car insurance than those with a clean record: 47% more on average in Louisiana, according to our sample. Those looking for savings should get a quote from Louisiana Farm Bureau. We found that it raised rates for our sample driver after an at-fault accident by only $487, making it the most affordable option.

Insurer
Annual cost
Monthly cost
Louisiana Farm Bureau$2,220$185
State Farm$2,829$236
Safeway$3,608$301
Louisiana average$5,226$435
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State Farm actually raised our sample driver's rates by less ($399), though not by enough to overtake Louisiana Farm Bureau. Other insurance companies raised annual rates by as much as $3,809 (Geico).

Cheapest car insurance for people with a speeding ticket: Louisiana Farm Bureau

Insurers tend to increase your insurance rates when you get a speeding ticket, as it correlates with taking more risks on the road. We recommend Louisiana Farm Bureau as the most affordable option for people with a recent ticket, with an average price of $1,970 per year. That's only 14% more expensive than the price for a driver with a clean record.

Insurer
Annual cost
Monthly cost
Louisiana Farm Bureau$1,970$164
State Farm$2,630$219
Safeway$2,991$249
Louisiana average$4,177$348
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Cheapest car insurance for drivers with a DUI: Louisiana Farm Bureau

Being convicted of driving while under the influence is the most serious common driving infraction, and you're likely to see a big rate hike if you're caught drinking and driving. Overall, we found that rates increase by 46% after one DUI.

The cheapest option for drivers with a DUI is Louisiana Farm Bureau, which gave us an average rate of just $2,308 per year. That's less than half of what's typical across all Louisiana insurers.

Insurer
Annual cost
Monthly cost
Louisiana Farm Bureau$2,308$192
State Farm$2,630$219
Safeway$3,855$321
Louisiana average$5,183$432
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Cheapest car insurance for drivers with poor credit: Louisiana Farm Bureau

While your credit score isn't connected to your ability to drive safely, insurance companies have found it correlates with how likely you are to make a claim. As a result, drivers with poor credit typically pay higher premiums for car insurance in Louisiana.

The most affordable option for drivers with bad credit is Louisiana Farm Bureau, which has an average annual cost of $2,480 statewide. That's $440 less than even the second-cheapest option, Safeway.

Insurer
Annual cost
Monthly cost
Louisiana Farm Bureau$2,480$207
Safeway$2,920$243
State Farm$3,496$291
Louisiana average$4,081$340
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{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EIf you have a less-than-perfect driving history, you're likely to pay more for car insurance because insurers think you're more likely to file a claim in the future. That makes shopping around for your best price even more important.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Involved in an at-fault accident: Louisiana Farm Bureau\" href=\"#accident\"\u003EInvolved in an at-fault accident: Louisiana Farm Bureau\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Received one speeding ticket: Louisiana Farm Bureau\" href=\"#speeding\"\u003EReceived one speeding ticket: Louisiana Farm Bureau\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Received one citation for DUI (driving under the influence): Louisiana Farm Bureau\" href=\"#dui\"\u003EReceived one citation for DUI (driving under the influence): Louisiana Farm Bureau\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Have a poor credit history: Louisiana Farm Bureau\" href=\"#credit\"\u003EHave a poor credit history: Louisiana Farm Bureau\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3 id=\"accident\"\u003ECheapest for drivers with an accident: Louisiana Farm Bureau\u003C\/h3\u003E\n\n\u003Cp\u003EDrivers with a recent accident generally pay more for car insurance than those with a clean record: 47% more on average in Louisiana, according to our sample. Those looking for savings should get a quote from \u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E. We found that it raised rates for our sample driver after an at-fault accident by only $487, making it the most affordable option.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$2,220\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$185\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,829\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$236\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafeway\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,608\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$301\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELouisiana average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,226\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$435\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003ELouisiana Farm Bureau\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$2,220\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$185\\u003C\\\/strong\\u003E\"],[\"State Farm\",\"$2,829\",\"$236\"],[\"Safeway\",\"$3,608\",\"$301\"],[\"Louisiana average\",\"$5,226\",\"$435\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EState Farm actually raised our sample driver's rates by less ($399), though not by enough to overtake Louisiana Farm Bureau. Other insurance companies raised annual rates by as much as $3,809 (Geico).\u003C\/p\u003E\n\n\u003Ch3 id=\"speeding\"\u003ECheapest car insurance for people with a speeding ticket: Louisiana Farm Bureau\u003C\/h3\u003E\n\n\u003Cp\u003EInsurers tend to increase your insurance rates when you get a speeding ticket, as it correlates with taking more risks on the road. We recommend \u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E as the most affordable option for people with a recent ticket, with an average price of $1,970 per year. That's only 14% more expensive than the price for a driver with a clean record.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,970\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$164\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,630\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$219\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafeway\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,991\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$249\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELouisiana average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,177\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$348\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003ELouisiana Farm Bureau\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,970\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$164\\u003C\\\/strong\\u003E\"],[\"State Farm\",\"$2,630\",\"$219\"],[\"Safeway\",\"$2,991\",\"$249\"],[\"Louisiana average\",\"$4,177\",\"$348\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest car insurance for drivers with a DUI: Louisiana Farm Bureau\u003C\/h3\u003E\n\n\u003Cp\u003EBeing convicted of driving while under the influence is the most serious common driving infraction, and you're likely to see a big rate hike if you're caught drinking and driving. Overall, we found that rates increase by 46% after one DUI.\u003C\/p\u003E\n\n\u003Cp\u003EThe cheapest option for drivers with a DUI is \u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E, which gave us an average rate of just $2,308 per year. That's less than half of what's typical across all Louisiana insurers.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$2,308\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$192\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,630\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$219\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafeway\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,855\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$321\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELouisiana average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,183\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$432\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003ELouisiana Farm Bureau\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$2,308\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$192\\u003C\\\/strong\\u003E\"],[\"State Farm\",\"$2,630\",\"$219\"],[\"Safeway\",\"$3,855\",\"$321\"],[\"Louisiana average\",\"$5,183\",\"$432\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003ECheapest car insurance for drivers with poor credit: Louisiana Farm Bureau\u003C\/h3\u003E\n\n\u003Cp\u003EWhile your credit score isn't connected to your ability to drive safely, insurance companies have found it correlates with how likely you are to make a claim. As a result, drivers with poor credit typically pay higher premiums for car insurance in Louisiana.\u003C\/p\u003E\n\n\u003Cp\u003EThe most affordable option for drivers with bad credit is \u003Cstrong\u003ELouisiana Farm Bureau,\u003C\/strong\u003E which has an average annual cost of $2,480 statewide. That's $440 less than even the second-cheapest option, Safeway.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$2,480\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$207\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafeway\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,920\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$243\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,496\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$291\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELouisiana average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,081\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$340\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003ELouisiana Farm Bureau\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$2,480\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$207\\u003C\\\/strong\\u003E\"],[\"Safeway\",\"$2,920\",\"$243\"],[\"State Farm\",\"$3,496\",\"$291\"],[\"Louisiana average\",\"$4,081\",\"$340\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"double"}

Cheapest car insurance for married drivers: Louisiana Farm Bureau

Insurance companies often give a discount to people who are married — we found that it's about 16% on average statewide, though it can vary from insurer to insurer.

Louisiana Farm Bureau has the best prices for married drivers. Even though the discount is not particularly large — just 7% — its rates are $812 less than the next-cheapest option, State Farm.

Insurer
Annual cost
Monthly cost
Louisiana Farm Bureau$1,618$135
State Farm$2,430$203
Safeway$2,501$208
Louisiana average$2,968$247
{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Insurer","Annual cost","Monthly cost"],["\u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E","\u003Cstrong\u003E$1,618\u003C\/strong\u003E","\u003Cstrong\u003E$135\u003C\/strong\u003E"],["State Farm","$2,430","$203"],["Safeway","$2,501","$208"],["Louisiana average","$2,968","$247"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

While it doesn't have the absolute cheapest rates, Geico has the biggest percentage discount we found overall — it gave our sample driver a 34% discount for being married.

Married drivers will likely also be able to save money on their policy by qualifying for a multi-driver or multi-vehicle discount on their policy, which we didn't factor into our sample rates above.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EInsurance companies often give a discount to people who are married \u2014 we found that it's about 16% on average statewide, though it can vary from insurer to insurer.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E has the best prices for married drivers. Even though the discount is not particularly large \u2014 just 7% \u2014 its rates are $812 less than the next-cheapest option, State Farm.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,618\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$135\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,430\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$203\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafeway\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,501\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$208\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELouisiana average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,968\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$247\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003ELouisiana Farm Bureau\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,618\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$135\\u003C\\\/strong\\u003E\"],[\"State Farm\",\"$2,430\",\"$203\"],[\"Safeway\",\"$2,501\",\"$208\"],[\"Louisiana average\",\"$2,968\",\"$247\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWhile it doesn't have the absolute cheapest rates, \u003Cstrong\u003EGeico\u003C\/strong\u003E has the biggest percentage discount we found overall \u2014 it gave our sample driver a 34% discount for being married.\u003C\/p\u003E\n\n\u003Cp\u003EMarried drivers will likely also be able to save money on their policy by qualifying for a multi-driver or multi-vehicle discount on their policy, which we didn't factor into our sample rates above.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Cheapest car insurance for young drivers: Louisiana Farm Bureau

Younger drivers can pay much more for car insurance than older people because they have not had as much practice behind the wheel and are more likely to get in accidents. Typically, an 18-year-old driver can expect to pay between two and three times as much for a car insurance policy as a 30-year-old driver.

We recommend Louisiana Farm Bureau as the most affordable option for Louisiana teen drivers, for both full and minimum coverage. The average rate for full coverage is just $3,319 per year. That's a little more than one-third the cost of the other insurers we looked at.

Rank
Insurer
Full coverage
Minimum coverage
1Louisiana Farm Bureau$3,319$1,121
2State Farm$7,167$2,779
3Safeway$8,508$4,513
4Allstate$10,700$3,246
5Geico$13,873$5,334
6Progressive$18,081$7,035
N/AUSAA$3,605$1,472
N/ALouisiana average$9,322$3,643

USAA is excluded from rankings because it is only available to current and former military members and their families.

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The best way for a teen driver to reduce their car insurance bill is to share a policy with an older driver, like a parent or sibling. These rates are typically much less expensive than the price to have a policy for only yourself.

Cheapest for young drivers with one accident: Louisiana Farm Bureau

If you're a younger driver who's been involved in an accident recently, you're almost certainly going to face higher insurance costs as a result: The average price for a young driver with one recent crash is a staggering $12,544 per year, or $1,045 per month. That's the single highest price among all the driving profiles we looked at for our study.

Young drivers with a recent crash looking to save money should try Louisiana Farm Bureau, which gave us the best price for this driver: $4,314 per year. That's 50% cheaper than State Farm, the next-most affordable option.

Insurer
Annual cost
Monthly cost
Louisiana Farm Bureau$4,314$360
State Farm$8,562$714
Safeway$10,757$896
Louisiana average$12,544$1,045
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Some insurance companies offer discounts specifically targeted to younger drivers. For example, you might be able to reduce your insurance bill by taking an extra driver safety course or by getting a certain GPA in high school or college.

Cheapest for young drivers with one speeding ticket: Louisiana Farm Bureau

The best option for a young driver who's recently been caught speeding is Louisiana Farm Bureau. This insurer gave our sample teen a quote of $3,836 for a year of insurance. That's less than half the cost of the second-cheapest option, State Farm.

Insurer
Annual cost
Monthly cost
Louisiana Farm Bureau$3,836$320
State Farm$7,865$655
Safeway$8,744$729
Louisiana average$10,513$876
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{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EYounger drivers can pay much more for car insurance than older people because they have not had as much practice behind the wheel and are more likely to get in accidents. Typically, an 18-year-old driver can expect to pay between two and three times as much for a car insurance policy as a 30-year-old driver.\u003C\/p\u003E\n\n\u003Cp\u003EWe recommend \u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E as the most affordable option for Louisiana teen drivers, for both full and minimum coverage. The average rate for full coverage is just $3,319 per year. That's a little more than one-third the cost of the other insurers we looked at.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERank\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EFull coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMinimum coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003E1\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$3,319\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,121\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$7,167\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,779\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafeway\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,508\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,513\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$10,700\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,246\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$13,873\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,334\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E6\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$18,081\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$7,035\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/em\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,605\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,472\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELouisiana average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$9,322\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,643\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E\u003Cem\u003EUSAA is excluded from rankings because it is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Rank\",\"Insurer\",\"Full coverage\",\"Minimum coverage\"],[\"\\u003Cstrong\\u003E1\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003ELouisiana Farm Bureau\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$3,319\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,121\\u003C\\\/strong\\u003E\"],[\"2\",\"State Farm\",\"$7,167\",\"$2,779\"],[\"3\",\"Safeway\",\"$8,508\",\"$4,513\"],[\"4\",\"Allstate\",\"$10,700\",\"$3,246\"],[\"5\",\"Geico\",\"$13,873\",\"$5,334\"],[\"6\",\"Progressive\",\"$18,081\",\"$7,035\"],[\"N\\\/A\",\"USAA\\u003C\\\/em\\u003E\",\"$3,605\",\"$1,472\"],[\"N\\\/A\",\"Louisiana average\",\"$9,322\",\"$3,643\"]],\"footnote\":\"\\u003Cem\\u003EUSAA is excluded from rankings because it is only available to current and former military members and their families.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe best way for a teen driver to reduce their car insurance bill is to share a policy with an older driver, like a parent or sibling. These rates are typically much less expensive than the price to have a policy for only yourself.\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one accident: Louisiana Farm Bureau\u003C\/h3\u003E\n\n\u003Cp\u003EIf you're a younger driver who's been involved in an accident recently, you're almost certainly going to face higher insurance costs as a result: The average price for a young driver with one recent crash is a staggering $12,544 per year, or $1,045 per month. That's the single highest price among all the driving profiles we looked at for our study.\u003C\/p\u003E\n\n\u003Cp\u003EYoung drivers with a recent crash looking to save money should try \u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E, which gave us the best price for this driver: $4,314 per year. That's 50% cheaper than State Farm, the next-most affordable option.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$4,314\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$360\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,562\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$714\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafeway\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$10,757\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$896\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELouisiana average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$12,544\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,045\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003ELouisiana Farm Bureau\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$4,314\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$360\\u003C\\\/strong\\u003E\"],[\"State Farm\",\"$8,562\",\"$714\"],[\"Safeway\",\"$10,757\",\"$896\"],[\"Louisiana average\",\"$12,544\",\"$1,045\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003ESome insurance companies offer discounts specifically targeted to younger drivers. For example, you might be able to reduce your insurance bill by taking an extra driver safety course or by getting a certain GPA in high school or college.\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one speeding ticket: Louisiana Farm Bureau\u003C\/h3\u003E\n\n\u003Cp\u003EThe best option for a young driver who's recently been caught speeding is \u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E. This insurer gave our sample teen a quote of $3,836 for a year of insurance. That's less than half the cost of the second-cheapest option, State Farm.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ELouisiana Farm Bureau\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$3,836\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$320\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$7,865\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$655\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafeway\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,744\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$729\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELouisiana average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$10,513\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$876\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003ELouisiana Farm Bureau\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$3,836\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$320\\u003C\\\/strong\\u003E\"],[\"State Farm\",\"$7,865\",\"$655\"],[\"Safeway\",\"$8,744\",\"$729\"],[\"Louisiana average\",\"$10,513\",\"$876\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

The best car insurance companies in Louisiana

According to our survey of overall customer satisfaction and customer service, USAA is the best insurer in Louisiana. Sixty-eight percent of policyholders are extremely satisfied with the insurer's overall experience and 62% say its customer service is excellent.

However, not everyone qualifies for USAA insurance. Of the remaining insurers, Allstate received the best reviews from our surveyed customers. Despite Allstate being one of the most expensive car insurance companies in the state, on average, consumers appear more satisfied than they are with State Farm, Geico or Progressive.

Rank
Company
Percentage of respondents extremely satisfied with experience
Percentage of respondents who saw customer service as excellent
1USAA68%62%
2Allstate64%47%
3State Farm59%46%
4Geico56%42%
5Progressive51%34%
N/ALouisiana Farm BureauN/AN/A
N/ASafewayN/AN/A
{"alignsHorizontal":["left","left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Rank","Company","Percentage of respondents extremely satisfied with experience","Percentage of respondents who saw customer service as excellent"],["1","USAA","68%","62%"],["2","Allstate","64%","47%"],["3","State Farm","59%","46%"],["4","Geico","56%","42%"],["5","Progressive","51%","34%"],["N\/A","Louisiana Farm Bureau","N\/A","N\/A"],["N\/A","Safeway","N\/A","N\/A"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

We also collected customer service information from three other sources we trust: the National Association of Insurance Commissioners (NAIC), J.D. Power and AM Best.

Insurer
2019 NAIC complaint index
2020 J.D. Power claims satisfaction
AM Best rating
State Farm0.66881A++
Progressive0.86856A+
Geico1.02871A++
Allstate0.71876A+
Louisiana Farm Bureau0.36A+
USAA0.68890A++
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The NAIC's complaint index evaluates the number of complaints an insurer has received. A lower number indicates fewer complaints, and the national average is 1.00. A company with a complaint index below 1.00 has fewer complaints than average.

J.D. Power's claims satisfaction score is based on a national survey of insurance customers that assesses how happy they are with their insurer's claims service. Higher scores are better, and the best possible rating is 1,000.

AM Best's financial strength rating is a letter grade that describes an insurer's financial ability to pay out claims. The highest possible rating is A++.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EAccording to our survey of overall customer satisfaction and customer service, \u003Cstrong\u003EUSAA is the best insurer in Louisiana\u003C\/strong\u003E. Sixty-eight percent of policyholders are extremely satisfied with the insurer's overall experience and 62% say its customer service is excellent.\u003C\/p\u003E\n\n\u003Cp\u003EHowever, not everyone qualifies for USAA insurance. \u003Cstrong\u003EOf the remaining insurers, Allstate received the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Car Insurance Companies\" href=\"https:\/\/www.valuepenguin.com\/best-auto-insurance\"\u003Ebest reviews\u003C\/a\u003E\u003C\/span\u003E from our surveyed customers.\u003C\/strong\u003E Despite Allstate being one of the most expensive car insurance companies in the state, on average, consumers appear more satisfied than they are with State Farm, Geico or Progressive.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERank\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPercentage of respondents extremely satisfied with experience\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPercentage of respondents who saw customer service as excellent\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E68%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E62%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E64%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E47%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E59%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E46%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E56%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E42%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E51%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E34%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELouisiana Farm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafeway\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Rank\",\"Company\",\"Percentage of respondents extremely satisfied with experience\",\"Percentage of respondents who saw customer service as excellent\"],[\"1\",\"USAA\",\"68%\",\"62%\"],[\"2\",\"Allstate\",\"64%\",\"47%\"],[\"3\",\"State Farm\",\"59%\",\"46%\"],[\"4\",\"Geico\",\"56%\",\"42%\"],[\"5\",\"Progressive\",\"51%\",\"34%\"],[\"N\\\/A\",\"Louisiana Farm Bureau\",\"N\\\/A\",\"N\\\/A\"],[\"N\\\/A\",\"Safeway\",\"N\\\/A\",\"N\\\/A\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWe also collected customer service information from three other sources we trust: the National Association of Insurance Commissioners (NAIC), J.D. Power and AM Best.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2019 NAIC complaint index\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2020 J.D. Power claims satisfaction\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAM Best rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.66\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E881\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.86\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E856\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.02\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E871\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.71\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E876\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELouisiana Farm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.36\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.68\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E890\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"2019 NAIC complaint index\",\"2020 J.D. Power claims satisfaction\",\"AM Best rating\"],[\"State Farm\",\"0.66\",\"881\",\"A++\"],[\"Progressive\",\"0.86\",\"856\",\"A+\"],[\"Geico\",\"1.02\",\"871\",\"A++\"],[\"Allstate\",\"0.71\",\"876\",\"A+\"],[\"Louisiana Farm Bureau\",\"0.36\",\"\\u2014\",\"A+\"],[\"USAA\",\"0.68\",\"890\",\"A++\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe NAIC's complaint index evaluates the number of complaints an insurer has received. A lower number indicates fewer complaints, and the national average is 1.00. A company with a complaint index below 1.00 has fewer complaints than average.\u003C\/p\u003E\n\n\u003Cp\u003EJ.D. Power's claims satisfaction score is based on a national survey of insurance customers that assesses how happy they are with their insurer's claims service. Higher scores are better, and the best possible rating is 1,000.\u003C\/p\u003E\n\n\u003Cp\u003EAM Best's financial strength rating is a letter grade that describes an insurer's financial ability to pay out claims. The highest possible rating is A++.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Louisiana auto insurance requirements

In Louisiana, the law requires you to carry liability auto insurance in order to register and drive legally. This covers the cost of harm or damage to others or their properties resulting from an accident you cause. The following minimum limits are required in the state:

Coverage type
State minimum limits
Bodily injury (per person/per accident)$15,000/$30,000
Property damage per accident$25,000
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Although minimum limits cover $30,000 in bodily injury costs and $25,000 in property damage costs per accident, and they represent the cheapest liability insurance you can buy, we recommend purchasing more liability insurance if you can afford it.

Average car insurance cost in Louisiana: By city

For our sample driver, the average cost of car insurance in the state of Louisiana is $1,128 per year for a minimum coverage policy and $3,546 for a full coverage policy. Below, we rank every city in the state from cheapest to most expensive based on the cost of a full coverage policy.

  • The cheapest city in Louisiana for auto insurance is Hornbeck, where a full coverage policy costs $2,746 per year on average.
  • New Orleans is the biggest and most expensive city in the state: An auto insurance policy costs $5,652 per year.
City
Average annual cost
Percentage difference from average
Hornbeck$2,746-22.6%
Kurthwood$2,748-22.5%
Simpson$2,784-21.5%
Fort Polk North$2,785-21.5%
Anacoco$2,785-21.5%
Fort Polk$2,788-21.4%
Fort Polk South$2,792-21.3%
Sarepta$2,807-20.8%
New Llano$2,809-20.8%
Leesville$2,812-20.7%
Florien$2,821-20.5%
Many$2,822-20.4%
Show All Rows
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Llano","$2,809","-20.8%"],["Leesville","$2,812","-20.7%"],["Florien","$2,821","-20.5%"],["Many","$2,822","-20.4%"],["Zwolle","$2,823","-20.4%"],["Noble","$2,829","-20.2%"],["Arcadia","$2,836","-20.0%"],["Heflin","$2,847","-19.7%"],["Castor","$2,847","-19.7%"],["Homer","$2,848","-19.7%"],["Springhill","$2,850","-19.6%"],["Cullen","$2,851","-19.6%"],["Belmont","$2,851","-19.6%"],["Converse","$2,855","-19.5%"],["Haynesville","$2,857","-19.4%"],["Ringgold","$2,860","-19.4%"],["Shongaloo","$2,865","-19.2%"],["Jamestown","$2,869","-19.1%"],["Minden","$2,870","-19.1%"],["Lisbon","$2,873","-19.0%"],["Pleasant Hill","$2,873","-19.0%"],["Dubberly","$2,874","-19.0%"],["Sibley","$2,880","-18.8%"],["Fisher","$2,881","-18.8%"],["Gibsland","$2,885","-18.7%"],["Summerfield","$2,887","-18.6%"],["Plain Dealing","$2,888","-18.6%"],["Princeton","$2,891","-18.5%"],["Simsboro","$2,896","-18.3%"],["Rosepine","$2,902","-18.2%"],["Athens","$2,905","-18.1%"],["Doyline","$2,905","-18.1%"],["Jonesboro","$2,905","-18.1%"],["Saline","$2,908","-18.0%"],["Ruston","$2,908","-18.0%"],["Mansfield","$2,914","-17.8%"],["North Hodge","$2,916","-17.8%"],["Bienville","$2,917","-17.7%"],["Quitman","$2,926","-17.5%"],["Dubach","$2,926","-17.5%"],["Hodge","$2,926","-17.5%"],["Cotton Valley","$2,927","-17.5%"],["Spearsville","$2,928","-17.4%"],["Bernice","$2,931","-17.3%"],["Lillie","$2,932","-17.3%"],["Merryville","$2,936","-17.2%"],["Fort Jesup","$2,939","-17.1%"],["Provencal","$2,941","-17.1%"],["Grambling","$2,946","-16.9%"],["Evans","$2,948","-16.9%"],["Deridder","$2,949","-16.8%"],["Pelican","$2,959","-16.6%"],["Marthaville","$2,960","-16.5%"],["Red Chute","$2,972","-16.2%"],["Eastwood","$2,974","-16.1%"],["Ashland","$2,977","-16.1%"],["Haughton","$2,977","-16.0%"],["Richmond","$2,989","-15.7%"],["Robeline","$2,990","-15.7%"],["Tallulah","$2,991","-15.6%"],["Grand Cane","$2,998","-15.4%"],["Gilliam","$2,999","-15.4%"],["Martin","$3,006","-15.2%"],["Benton","$3,006","-15.2%"],["Coushatta","$3,007","-15.2%"],["Singer","$3,010","-15.1%"],["Ida","$3,011","-15.1%"],["Stanley","$3,012","-15.1%"],["Logansport","$3,014","-15.0%"],["Dodson","$3,015","-15.0%"],["Vivian","$3,018","-14.9%"],["Winnfield","$3,024","-14.7%"],["Calvin","$3,024","-14.7%"],["Hall Summit","$3,028","-14.6%"],["Delta","$3,029","-14.6%"],["Longstreet","$3,030","-14.6%"],["Oil City","$3,030","-14.6%"],["Barksdale Air Force Base","$3,031","-14.5%"],["Natchitoches","$3,033","-14.5%"],["Chase","$3,037","-14.4%"],["Delhi","$3,038","-14.3%"],["Melrose","$3,042","-14.2%"],["Tullos","$3,043","-14.2%"],["Campti","$3,046","-14.1%"],["Newellton","$3,050","-14.0%"],["Frierson","$3,051","-14.0%"],["Point Place","$3,053","-13.9%"],["Rodessa","$3,053","-13.9%"],["Sugartown","$3,055","-13.8%"],["Clarence","$3,056","-13.8%"],["Keatchie","$3,056","-13.8%"],["Sikes","$3,057","-13.8%"],["Winnsboro","$3,064","-13.6%"],["Elm Grove","$3,065","-13.6%"],["Epps","$3,065","-13.6%"],["Hosston","$3,069","-13.5%"],["Longville","$3,076","-13.3%"],["Atlanta","$3,077","-13.2%"],["Bossier City","$3,081","-13.1%"],["Choudrant","$3,084","-13.0%"],["Pitkin","$3,085","-13.0%"],["Stonewall","$3,091","-12.8%"],["Marion","$3,093","-12.8%"],["Urania","$3,094","-12.7%"],["Pioneer","$3,095","-12.7%"],["Natchez","$3,101","-12.5%"],["Olla","$3,102","-12.5%"],["St. Joseph","$3,102","-12.5%"],["Fort Necessity","$3,103","-12.5%"],["Grayson","$3,104","-12.5%"],["Kelly","$3,106","-12.4%"],["Dry Creek","$3,106","-12.4%"],["Wisner","$3,108","-12.4%"],["Baskin","$3,114","-12.2%"],["Goldonna","$3,117","-12.1%"],["Mooringsport","$3,119","-12.1%"],["Bethany","$3,120","-12.0%"],["Thibodaux","$3,120","-12.0%"],["Enterprise","$3,122","-12.0%"],["Clarks","$3,123","-11.9%"],["Oak Grove","$3,124","-11.9%"],["Gilbert","$3,127","-11.8%"],["Harrisonburg","$3,129","-11.8%"],["Georgetown","$3,129","-11.8%"],["Gloster","$3,132","-11.7%"],["Chackbay","$3,132","-11.7%"],["Lockport","$3,133","-11.7%"],["Midway","$3,133","-11.7%"],["Farmerville","$3,134","-11.6%"],["Chatham","$3,135","-11.6%"],["Belcher","$3,136","-11.6%"],["Jena","$3,136","-11.6%"],["Gheens","$3,137","-11.5%"],["Lockport Heights","$3,137","-11.5%"],["Kinder","$3,143","-11.4%"],["Bayou Country Club","$3,144","-11.3%"],["Lake Providence","$3,144","-11.3%"],["Trout","$3,146","-11.3%"],["Sondheimer","$3,146","-11.3%"],["Aimwell","$3,147","-11.3%"],["Kraemer","$3,147","-11.2%"],["Keithville","$3,148","-11.2%"],["Lafourche Crossing","$3,150","-11.2%"],["Spokane","$3,152","-11.1%"],["Wildsville","$3,153","-11.1%"],["Sicily Island","$3,155","-11.0%"],["Waterproof","$3,159","-10.9%"],["Ferriday","$3,162","-10.8%"],["Labadieville","$3,164","-10.8%"],["Bourg","$3,165","-10.7%"],["Patterson","$3,167","-10.7%"],["Presquille","$3,167","-10.7%"],["Mangham","$3,168","-10.7%"],["Dequincy","$3,170","-10.6%"],["Transylvania","$3,171","-10.6%"],["Clayton","$3,172","-10.5%"],["Mathews","$3,173","-10.5%"],["Berwick","$3,174","-10.5%"],["Mermentau","$3,175","-10.5%"],["Larose","$3,175","-10.5%"],["Welsh","$3,176","-10.4%"],["Bayou Vista","$3,178","-10.4%"],["Oberlin","$3,179","-10.3%"],["Cut Off","$3,183","-10.2%"],["Reeves","$3,183","-10.2%"],["Grant","$3,188","-10.1%"],["Start","$3,189","-10.1%"],["Kilbourne","$3,191","-10.0%"],["Morgan City","$3,194","-9.9%"],["Amelia","$3,195","-9.9%"],["Evangeline","$3,196","-9.9%"],["Montgomery","$3,199","-9.8%"],["Egan","$3,200","-9.8%"],["Bayou Cane","$3,203","-9.7%"],["Jonesville","$3,205","-9.6%"],["Vidalia","$3,207","-9.6%"],["Minorca","$3,209","-9.5%"],["Houma","$3,209","-9.5%"],["Roanoke","$3,211","-9.4%"],["Ragley","$3,214","-9.4%"],["Leblanc","$3,218","-9.3%"],["Morse","$3,218","-9.3%"],["Raceland","$3,220","-9.2%"],["Iota","$3,221","-9.2%"],["Lake Arthur","$3,223","-9.1%"],["Greenwood","$3,224","-9.1%"],["Schriever","$3,226","-9.0%"],["Franklin","$3,230","-8.9%"],["Bayou Blue","$3,237","-8.7%"],["Mittie","$3,237","-8.7%"],["Rayville","$3,242","-8.6%"],["Oak Ridge","$3,243","-8.5%"],["Jones","$3,245","-8.5%"],["Gray","$3,254","-8.3%"],["Jennings","$3,255","-8.2%"],["Cloutierville","$3,256","-8.2%"],["Bayou L'Ourse","$3,260","-8.1%"],["Estherwood","$3,262","-8.0%"],["Bonita","$3,271","-7.8%"],["Branch","$3,274","-7.7%"],["Fenton","$3,274","-7.7%"],["Theriot","$3,274","-7.7%"],["Monterey","$3,277","-7.6%"],["Downsville","$3,279","-7.5%"],["Baldwin","$3,283","-7.4%"],["Donner","$3,283","-7.4%"],["Starks","$3,285","-7.4%"],["Elton","$3,291","-7.2%"],["Crowley","$3,295","-7.1%"],["Galliano","$3,296","-7.0%"],["Vinton","$3,297","-7.0%"],["Elizabeth","$3,297","-7.0%"],["Kaplan","$3,297","-7.0%"],["Montegut","$3,299","-7.0%"],["Iowa","$3,299","-7.0%"],["Bentley","$3,311","-6.6%"],["Delcambre","$3,317","-6.5%"],["Collinston","$3,318","-6.4%"],["Pollock","$3,323","-6.3%"],["Gueydan","$3,323","-6.3%"],["Oakdale","$3,325","-6.2%"],["Gibson","$3,326","-6.2%"],["Erath","$3,331","-6.1%"],["Colfax","$3,332","-6.0%"],["Church Point","$3,333","-6.0%"],["Blanchard","$3,337","-5.9%"],["Sorrel","$3,342","-5.7%"],["Sulphur","$3,343","-5.7%"],["Mandeville","$3,343","-5.7%"],["Des Allemands","$3,344","-5.7%"],["Bayou Gauche","$3,347","-5.6%"],["Mer Rouge","$3,348","-5.6%"],["Slagle","$3,350","-5.5%"],["Lacassine","$3,350","-5.5%"],["Banks Springs","$3,353","-5.5%"],["Columbia","$3,355","-5.4%"],["Bush","$3,358","-5.3%"],["Jeanerette","$3,358","-5.3%"],["Lakeview","$3,360","-5.3%"],["Charenton","$3,362","-5.2%"],["Glenmora","$3,362","-5.2%"],["Rayne","$3,364","-5.1%"],["Dry Prong","$3,369","-5.0%"],["Eros","$3,370","-5.0%"],["Talisheek","$3,374","-4.9%"],["Eunice","$3,377","-4.8%"],["Bastrop","$3,378","-4.8%"],["Basile","$3,382","-4.6%"],["Negreet","$3,385","-4.6%"],["Shreveport","$3,385","-4.5%"],["Madisonville","$3,388","-4.5%"],["Maurice","$3,390","-4.4%"],["Abita Springs","$3,390","-4.4%"],["Hayes","$3,391","-4.4%"],["South Vacherie","$3,398","-4.2%"],["Vacherie","$3,400","-4.1%"],["Franklinton","$3,404","-4.0%"],["Forest Hill","$3,406","-4.0%"],["North Vacherie","$3,407","-3.9%"],["Hineston","$3,411","-3.8%"],["Loreauville","$3,418","-3.6%"],["Angie","$3,421","-3.5%"],["Covington","$3,421","-3.5%"],["Bogalusa","$3,423","-3.5%"],["Mount Hermon","$3,424","-3.5%"],["Taylor","$3,427","-3.4%"],["Bell City","$3,439","-3.0%"],["Carlyss","$3,439","-3.0%"],["Grand Chenier","$3,440","-3.0%"],["Pierre Part","$3,440","-3.0%"],["Hackberry","$3,449","-2.7%"],["Lena","$3,450","-2.7%"],["Supreme","$3,451","-2.7%"],["Lacombe","$3,454","-2.6%"],["Mora","$3,464","-2.3%"],["Napoleonville","$3,466","-2.3%"],["Kentwood","$3,468","-2.2%"],["Moss Bluff","$3,469","-2.2%"],["Claiborne","$3,471","-2.1%"],["Paradis","$3,472","-2.1%"],["Calhoun","$3,475","-2.0%"],["Flatwoods","$3,477","-1.9%"],["New Iberia","$3,478","-1.9%"],["Paincourtville","$3,483","-1.8%"],["Abbeville","$3,488","-1.6%"],["Cameron","$3,490","-1.6%"],["Sterlington","$3,490","-1.6%"],["Creole","$3,491","-1.6%"],["Flora","$3,493","-1.5%"],["Lydia","$3,498","-1.3%"],["Perry","$3,499","-1.3%"],["Acme","$3,502","-1.3%"],["St. Maurice","$3,504","-1.2%"],["Pearl River","$3,506","-1.1%"],["Sun","$3,510","-1.0%"],["Westlake","$3,511","-1.0%"],["Catahoula","$3,511","-1.0%"],["Wakefield","$3,515","-0.9%"],["Weyanoke","$3,515","-0.9%"],["St. Francisville","$3,515","-0.9%"],["Cade","$3,520","-0.7%"],["Angola","$3,520","-0.7%"],["Elmer","$3,521","-0.7%"],["Roseland","$3,522","-0.7%"],["Powhatan","$3,524","-0.6%"],["Golden Meadow","$3,526","-0.6%"],["St. Martinville","$3,528","-0.5%"],["Amite City","$3,529","-0.5%"],["Deville","$3,530","-0.4%"],["Dulac","$3,531","-0.4%"],["West Monroe","$3,533","-0.4%"],["Husser","$3,534","-0.4%"],["Joyce","$3,536","-0.3%"],["Loranger","$3,536","-0.3%"],["Fordoche","$3,538","-0.2%"],["Plattenville","$3,541","-0.1%"],["Mamou","$3,544","0.0%"],["Tangipahoa","$3,546","0.0%"],["Otis","$3,549","0.1%"],["Cankton","$3,549","0.1%"],["Sieper","$3,550","0.1%"],["Folsom","$3,552","0.2%"],["Krotz Springs","$3,554","0.2%"],["Longleaf","$3,554","0.2%"],["Crowville","$3,557","0.3%"],["Morganza","$3,557","0.3%"],["Lawtell","$3,560","0.4%"],["Port Barre","$3,561","0.4%"],["Chauvin","$3,561","0.4%"],["Eden Isle","$3,563","0.5%"],["Leonville","$3,568","0.6%"],["Arnaudville","$3,571","0.7%"],["Jigger","$3,573","0.8%"],["Independence","$3,573","0.8%"],["Innis","$3,576","0.9%"],["Brownsville","$3,577","0.9%"],["Grand Coteau","$3,578","0.9%"],["Livonia","$3,580","1.0%"],["Ball","$3,582","1.0%"],["Greensburg","$3,582","1.0%"],["Avery Island","$3,583","1.0%"],["Melville","$3,583","1.0%"],["Bawcomville","$3,585","1.1%"],["Opelousas","$3,585","1.1%"],["Fluker","$3,586","1.1%"],["Breaux Bridge","$3,588","1.2%"],["Sunset","$3,589","1.2%"],["Cecilia","$3,592","1.3%"],["Ville Platte","$3,593","1.3%"],["Belle Rose","$3,593","1.3%"],["Batchelor","$3,596","1.4%"],["Palmetto","$3,596","1.4%"],["Lakeland","$3,601","1.5%"],["Fairbanks","$3,605","1.6%"],["Morrow","$3,605","1.7%"],["Cheneyville","$3,606","1.7%"],["Duson","$3,609","1.8%"],["Washington","$3,611","1.8%"],["Lottie","$3,613","1.9%"],["Forest","$3,613","1.9%"],["Oscar","$3,614","1.9%"],["Carencro","$3,615","2.0%"],["Reddell","$3,616","2.0%"],["Youngsville","$3,617","2.0%"],["Ponchatoula","$3,617","2.0%"],["Ossun","$3,618","2.0%"],["Ventress","$3,621","2.1%"],["Tunica","$3,621","2.1%"],["Slidell","$3,622","2.1%"],["Maringouin","$3,622","2.1%"],["Center Point","$3,622","2.2%"],["Scott","$3,623","2.2%"],["Tickfaw","$3,624","2.2%"],["Natalbany","$3,629","2.3%"],["Lebeau","$3,630","2.4%"],["Rhinehart","$3,635","2.5%"],["Turkey Creek","$3,636","2.5%"],["Rosedale","$3,637","2.6%"],["Lettsworth","$3,642","2.7%"],["New Roads","$3,644","2.7%"],["Pine Prairie","$3,647","2.8%"],["Welcome","$3,647","2.8%"],["Broussard","$3,650","2.9%"],["Archibald","$3,650","2.9%"],["St. James","$3,650","2.9%"],["Swartz","$3,658","3.2%"],["St. Landry","$3,659","3.2%"],["Jarreau","$3,661","3.3%"],["Chataignier","$3,666","3.4%"],["Glynn","$3,668","3.4%"],["Lakeshore","$3,672","3.5%"],["Boyce","$3,674","3.6%"],["Gardner","$3,676","3.7%"],["Grosse Tete","$3,677","3.7%"],["Woodworth","$3,680","3.8%"],["Pine Grove","$3,691","4.1%"],["Monroe","$3,694","4.2%"],["Norwood","$3,700","4.3%"],["Rougon","$3,700","4.3%"],["Lecompte","$3,702","4.4%"],["Akers","$3,705","4.5%"],["Lafayette","$3,706","4.5%"],["Hammond","$3,708","4.6%"],["Boutte","$3,715","4.8%"],["Lake Charles","$3,719","4.9%"],["Milton","$3,722","4.9%"],["Ethel","$3,726","5.1%"],["Luling","$3,728","5.1%"],["Pineville","$3,737","5.4%"],["Jackson","$3,739","5.4%"],["Springfield","$3,746","5.6%"],["Lutcher","$3,751","5.8%"],["Robert","$3,751","5.8%"],["Killian","$3,751","5.8%"],["Destrehan","$3,752","5.8%"],["Libuse","$3,752","5.8%"],["Prien","$3,753","5.8%"],["Wilson","$3,754","5.9%"],["New Sarpy","$3,756","5.9%"],["Holden","$3,758","6.0%"],["Paulina","$3,763","6.1%"],["Hamburg","$3,763","6.1%"],["Albany","$3,765","6.2%"],["Grand Point","$3,766","6.2%"],["Hester","$3,766","6.2%"],["Centerville","$3,774","6.4%"],["Garden City","$3,774","6.4%"],["Clinton","$3,778","6.5%"],["Donaldsonville","$3,783","6.7%"],["St. Benedict","$3,783","6.7%"],["Gorum","$3,787","6.8%"],["Hahnville","$3,789","6.8%"],["Bunkie","$3,797","7.1%"],["Evergreen","$3,799","7.1%"],["Cottonport","$3,800","7.2%"],["Slaughter","$3,802","7.2%"],["Plaucheville","$3,809","7.4%"],["Livingston","$3,816","7.6%"],["Edgard","$3,835","8.1%"],["Union","$3,835","8.1%"],["Convent","$3,837","8.2%"],["Maurepas","$3,842","8.3%"],["Varnado","$3,850","8.6%"],["Gramercy","$3,859","8.8%"],["Norco","$3,860","8.9%"],["Ama","$3,877","9.3%"],["Simmesport","$3,880","9.4%"],["Effie","$3,881","9.4%"],["Alexandria","$3,882","9.5%"],["Richwood","$3,884","9.5%"],["Plaquemine","$3,894","9.8%"],["White Castle","$3,900","10.0%"],["Grand Isle","$3,913","10.3%"],["Bayou Goula","$3,925","10.7%"],["Pride","$3,927","10.7%"],["Zachary","$3,935","11.0%"],["St. Amant","$3,938","11.1%"],["French Settlement","$3,940","11.1%"],["Hessmer","$3,941","11.1%"],["Duplessis","$3,945","11.3%"],["Walker","$3,947","11.3%"],["Moreauville","$3,959","11.7%"],["Sorrento","$3,964","11.8%"],["Darrow","$3,965","11.8%"],["Mansura","$3,965","11.8%"],["Ruby","$3,968","11.9%"],["Tioga","$3,976","12.1%"],["La Place","$3,988","12.5%"],["Laplace","$4,000","12.8%"],["Gonzales","$4,000","12.8%"],["Carville","$4,001","12.8%"],["Prairieville","$4,012","13.1%"],["Marksville","$4,015","13.2%"],["Echo","$4,020","13.4%"],["Erwinville","$4,022","13.4%"],["St. Gabriel","$4,027","13.6%"],["Sunshine","$4,029","13.6%"],["Denham Springs","$4,038","13.9%"],["Montz","$4,048","14.1%"],["St. Rose","$4,049","14.2%"],["Garyville","$4,054","14.3%"],["Geismar","$4,054","14.3%"],["Brusly","$4,059","14.5%"],["Dupont","$4,090","15.3%"],["Mount Airy","$4,092","15.4%"],["Addis","$4,097","15.5%"],["Venice","$4,113","16.0%"],["Reserve","$4,118","16.1%"],["Buras","$4,119","16.2%"],["Empire","$4,121","16.2%"],["Triumph","$4,123","16.3%"],["Boothville","$4,124","16.3%"],["Pilottown","$4,137","16.7%"],["Village St. George","$4,146","16.9%"],["Port Allen","$4,151","17.0%"],["Central","$4,152","17.1%"],["Gardere","$4,155","17.2%"],["Bordelonville","$4,166","17.5%"],["Port Sulphur","$4,167","17.5%"],["Oak Hills Place","$4,169","17.6%"],["Shenandoah","$4,172","17.7%"],["Old Jefferson","$4,177","17.8%"],["Uncle Sam","$4,190","18.2%"],["Brittany","$4,194","18.3%"],["Westminster","$4,197","18.4%"],["Baker","$4,202","18.5%"],["Watson","$4,214","18.8%"],["Greenwell Springs","$4,229","19.3%"],["Inniswold","$4,246","19.7%"],["Burnside","$4,254","20.0%"],["Harahan","$4,261","20.2%"],["Braithwaite","$4,286","20.9%"],["River Ridge","$4,312","21.6%"],["Elmwood","$4,338","22.3%"],["Pointe \u00e0 la Hache","$4,346","22.6%"],["Baton Rouge","$4,352","22.7%"],["Metairie","$4,421","24.7%"],["Jefferson","$4,431","25.0%"],["Belle Chasse","$4,450","25.5%"],["Brownfields","$4,462","25.8%"],["Kenner","$4,517","27.4%"],["Westwego","$4,526","27.6%"],["Waggaman","$4,528","27.7%"],["Bridge City","$4,531","27.8%"],["Monticello","$4,536","27.9%"],["Avondale","$4,541","28.1%"],["Barataria","$4,571","28.9%"],["Merrydale","$4,581","29.2%"],["Lafitte","$4,588","29.4%"],["St. Bernard","$4,637","30.8%"],["Poydras","$4,641","30.9%"],["Estelle","$4,949","39.6%"],["Marrero","$4,980","40.4%"],["Meraux","$4,992","40.8%"],["Timberlane","$5,004","41.1%"],["Violet","$5,021","41.6%"],["Chalmette","$5,022","41.6%"],["Terrytown","$5,024","41.7%"],["Gretna","$5,033","41.9%"],["Harvey","$5,052","42.5%"],["Arabi","$5,087","43.5%"],["Woodmere","$5,106","44.0%"],["New Orleans","$5,652","59.4%"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Louisiana rate changes by company

In Louisiana, auto insurance providers decreased their premiums in 2020 by 4.2% on average, continuing the trend of lower premium rates observed in 2019. State Farm shows the most significant decrease in premiums, with rates down by 10.3% compared to 2019. However, other insurance providers in Louisiana decided to increase their rates in 2020.For example, Liberty Mutual and Geico increased their premium rates by 2.8% and 2.2%, respectively.

Insurer
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
State Farm$1,442.0-5.8%-10.3%
Progressive$803.1-1.9%-3.0%
Geico$571.90.0%2.2%
Allstate$540.12.2%0.4%
USAA$294.13.9%0.0%
Southern Farm Bureau$244.2-4.4%-7.6%
Liberty Mutual$198.06.1%2.8%
GoAuto$163.1-2.4%-2.1%
National General$104.78.3%-0.6%
Shelter$69.85.5%-3.9%
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Recap of the cheapest auto insurance in Louisiana

  • Minimum coverage: Louisiana Farm Bureau
  • Full coverage: Louisiana Farm Bureau
  • After an at-fault accident: Louisiana Farm Bureau
  • After a speeding ticket: Louisiana Farm Bureau
  • After a DUI: Louisiana Farm Bureau
  • Poor credit history: Louisiana Farm Bureau
  • Very good credit history: Louisiana Farm Bureau
  • Married couples: Louisiana Farm Bureau
  • Young drivers: Louisiana Farm Bureau
  • Young drivers with one accident: Louisiana Farm Bureau
  • Young drivers with a speeding ticket: Louisiana Farm Bureau

Methodology

We collected thousands of rates from ZIP codes across Louisiana for the largest 10 insurers. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

The base policy for the study was a full-coverage policy with the following limits:

Coverage type
Study limits
Bodily liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible
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For our minimum-coverage policy, we quoted a policy with the minimum required limits in Louisiana, above.

For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.