Best cheap car insurance in LA
Allstate, State Farm and Farm Bureau are the cheapest companies for most people in Louisiana.
- Want full coverage? Allstate: $298/mo
- Only need minimum coverage? Allstate: $74/mo
- Want the best service? Farm Bureau: $312/mo
- Have a speeding ticket? Farm Bureau: $312/mo
- Caused an accident? Farm Bureau: $312/mo
- Need coverage for a teen? Allstate: $253/mo
- Got a DUI? Farm Bureau: $312/mo
- Have poor credit? Allstate: $298/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in Louisiana: Allstate and USAA
Allstate and USAA have the cheapest full coverage car insurance in Louisiana.
- Allstate offers the cheapest full coverage insurance for most people in Louisiana, at $298 per month. That's an average savings of 9% compared to the Louisiana average. It's also $14 per month less than the second-cheapest option, Farm Bureau.
- USAA offers even bigger savings for drivers that qualify. Its average price for full coverage is $210 per month.
- Farm Bureau is another affordable choice, at $312 per month. Its rates aren't much higher than Allstate's, but it offers much better customer service. If you ever need to file a claim, choosing a company with good customer service could make the experience less stressful.
Find Cheap Car Insurance Quotes in Louisiana
Best cheap full coverage insurance in Louisiana
Company | Monthly rate |
|---|---|
| Allstate | $298 |
| Farm Bureau | $312 |
| State Farm | $319 |
| Progressive | $335 |
| USAA* | $210 |
*USAA is only available to current and former military members and their families.
You're probably not alone, as car insurance rates across Louisiana went up by 26% between 2022 and 2026. Louisiana also has the second-highest car insurance rates in the country, which can make it feel even more expensive if you're new to the state.
But you can still save by choosing the right company. Although Allstate, Farm Bureau and USAA have the cheapest rates for most people in Louisiana, State Farm's rates have been much more stable.State Farm has raised rates by an average of 18% over the last five years, a much smaller increase than Allstate (28%), USAA (38%) or Farm Bureau (69%). This goes to show how important it is to shop around for quotes each year.
Just because a company offers the cheapest rates today doesn't mean it will be the best choice when it's time to renew your policy.Data-powered research on Louisiana car insurance
Cheapest liability car insurance in Louisiana: Allstate
Allstate has the best cheap minimum liability insurance in Louisiana, at just $74 per month for minimum liability insurance, on average. That's a savings of around $27 per month compared to the Louisiana average.
Cheapest minimum coverage car insurance in Louisiana
Company | Monthly rate |
|---|---|
| Allstate | $74 |
| Progressive | $83 |
| Farm Bureau | $101 |
| AAA | $104 |
| USAA* | $80 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Louisiana
Car insurance savings in Louisiana by city
- Allstate offers the biggest savings in nearly one-third of Louisiana cities, including New Orleans and Baton Rouge. Safeway is typically cheapest in rural northern and central Louisiana, while Farm Bureau tends to offer the best rates in the rural southern and Acadiana regions.
- Drivers in Hornbeck, a small town near the Texas border, have the cheapest auto insurance in Louisiana. People living in Hornbeck pay around $262 per month for a full coverage policy.
- New Orleans residents pay the highest car insurance rates in the state. Auto insurance in New Orleans costs around $523 per month. Car insurance rates are generally more expensive in larger cities, where there's more traffic and car theft.
Find Cheap Car Insurance Quotes in Louisiana
Cheapest full coverage car insurance rates by Louisiana city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| New Orleans | $523 | Allstate | $475 |
| Baton Rouge | $400 | Allstate | $301 |
| Shreveport | $307 | State Farm | $288 |
| Lafayette | $346 | Allstate | $270 |
| Lake Charles | $347 | Allstate | $280 |
| Kenner | $411 | Allstate | $307 |
| Monroe | $334 | Allstate | $272 |
| Alexandria | $361 | Farm Bureau | $305 |
| Houma | $315 | Farm Bureau | $274 |
| Central | $386 | Allstate | $301 |
| Slidell | $337 | Farm Bureau | $280 |
| New Iberia | $317 | Allstate | $266 |
| Hammond | $341 | Allstate | $301 |
| Ruston | $267 | Safeway | $223 |
| Sulphur | $318 | Farm Bureau | $262 |
| Abbeville | $308 | Allstate | $266 |
| Abita Springs | $317 | Farm Bureau | $263 |
| Acme | $302 | Safeway | $261 |
| Addis | $374 | Allstate | $301 |
| Aimwell | $289 | Farm Bureau | $256 |
| Akers | $345 | Allstate | $301 |
| Albany | $344 | Allstate | $301 |
| Ama | $353 | Allstate | $287 |
| Amelia | $300 | Farm Bureau | $234 |
| Amite City | $331 | Safeway | $293 |
| Anacoco | $266 | Progressive | $239 |
| Angie | $326 | Safeway | $261 |
| Angola | $342 | Safeway | $291 |
| Arabi | $506 | Allstate | $327 |
| Arcadia | $266 | Safeway | $233 |
| Archibald | $327 | Safeway | $249 |
| Arnaudville | $333 | Allstate | $275 |
| Ashland | $286 | Progressive | $239 |
| Athens | $275 | Safeway | $242 |
| Atlanta | $287 | Safeway | $235 |
| Avery Island | $313 | Allstate | $266 |
| Avondale | $444 | Allstate | $287 |
| Baker | $384 | Safeway | $294 |
| Baldwin | $294 | Farm Bureau | $237 |
| Ball | $342 | Farm Bureau | $278 |
| Banks Springs | $305 | Safeway | $237 |
| Barataria | $398 | State Farm | $341 |
| Barksdale Air Force Base | $277 | Progressive | $255 |
| Basile | $320 | Farm Bureau | $265 |
| Baskin | $286 | Safeway | $246 |
| Bastrop | $297 | Safeway | $250 |
| Batchelor | $362 | Allstate | $275 |
| Bawcomville | $321 | Allstate | $272 |
| Bayou Blue | $316 | Farm Bureau | $268 |
| Bayou Cane | $313 | Farm Bureau | $273 |
| Bayou Country Club | $295 | Progressive | $260 |
| Bayou Gauche | $323 | Farm Bureau | $274 |
Best car insurance in Louisiana: Farm Bureau
-
Full coverage rate$312/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
-
Customer complaintsVery lowCustomer complaints are from the National Association of Insurance Commissioners.
-
AM Best ratingAAn A financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Louisiana based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Louisiana
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest insurance in Louisiana after a speeding ticket: Farm Bureau
Farm Bureau has the most affordable insurance quotes in Louisiana for people with a recent speeding ticket. A full coverage policy from Farm Bureau costs $312 per month after one speeding ticket. That's a savings of 22% compared to the state average.
Affordable auto insurance in Louisiana after a ticket
Company | Monthly rate |
|---|---|
| Farm Bureau | $312 |
| State Farm | $339 |
| Safeway | $347 |
| Allstate | $388 |
| USAA* | $270 |
*USAA is only available to current and former military members and their families.
Car insurance rates in Louisiana go up by an average of 23% after a single speeding ticket. That's an average increase of $74 per month for a full coverage policy.
Cheap car insurance in Louisiana after an accident: Farm Bureau
Farm Bureau offers the cheapest quotes for Louisiana after an accident, at $312 per month for full coverage. Choosing Farm Bureau could save you around 31% compared to the state average.
Low-cost car insurance in Louisiana after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $312 |
| State Farm | $319 |
| Safeway | $422 |
| Allstate | $449 |
| USAA* | $307 |
*USAA is only available to current and former military members and their families.
Drivers in Louisiana with an accident on their record pay 38% more for car insurance than those with clean records.
You don't have to worry about switching car insurance companies right away after an accident. Your rates won't go up until your current policy is up for renewal. But any quotes you get beforehand will probably be higher than what you're paying now.
Instead, wait until your current company sends your renewal notice with your new rates. Then, you should get quotes from multiple companies to find the best price.
Best rates on Louisiana car insurance for teen drivers: Allstate and Safeway
- Minimum liability: Allstate is the cheapest option in Louisiana for teens. A minimum liability policy from Allstate costs around $253 per month for an 18-year-old driver. That's a savings of around 25% compared to the Louisiana average.
- Full coverage: Teens looking for full coverage policies are better off with Safeway, which offers rates around $795 per month. That's a savings of 21% compared to the state average and $89 per month less than Allstate.
- Military ties: Louisiana teens who are serving in the military or have parents who served may be able to get cheaper car insurance through USAA. Full coverage policies cost an average of $520 per month, and liability-only coverage costs an average of $219 per month.
Cheapest auto insurance quotes in Louisiana for teens
Company | Liability only | Full coverage |
|---|---|---|
| Allstate | $253 | $884 |
| Geico | $308 | $976 |
| Farm Bureau | $358 | $1,040 |
| AAA | $360 | $1,185 |
| Safeway | $370 | $795 |
| USAA* | $219 | $520 |
*USAA is only available to current and former military members and their families.
An 18-year-old driver in Louisiana pays more than three times as much for car insurance as a 30-year-old driver. Younger drivers pay much more for car insurance because they don't have as much experience behind the wheel. This means they're typically more likely to get into accidents.
Cheapest in Louisiana for teens with a ticket or accident: Allstate and Farm Bureau
Allstate is the best insurance company for young drivers with a speeding ticket on their record, while Farm Bureau is the best for teens after an accident.
- Speeding ticket: Allstate charges teens around $336 per month for a minimum liability policy after one ticket. That's a savings of around 21% compared to the Louisiana average.
- Accident: After an accident, minimum liability insurance from Farm Bureau costs $358 per month for an 18-year-old driver. Choosing Farm Bureau could save you 23% compared to the state average.
Affordable quotes for Louisiana teens after a ticket or crash
Company | Ticket | Accident |
|---|---|---|
| Allstate | $336 | $411 |
| Farm Bureau | $358 | $358 |
| Safeway | $388 | $479 |
| State Farm | $416 | $379 |
| USAA* | $370 | $416 |
*USAA is only available to current and former military members and their families.
On average, car insurance quotes in Louisiana go up by 26% for young drivers after a single speeding ticket. A recent accident will raise your rates by around 36%.
Cheapest Louisiana car insurance quotes after a DUI: Farm Bureau
Farm Bureau is the cheapest company for Louisiana drivers with a DUI citation. At $312 per month for full coverage, choosing Farm Bureau could save you 39% after a DUI in Louisiana, compared to the state average.
Cheap DUI car insurance in Louisiana
Company | Monthly rate |
|---|---|
| Farm Bureau | $312 |
| Progressive | $381 |
| Allstate | $388 |
| Safeway | $451 |
| USAA* | $419 |
*USAA is only available to current and former military members and their families.
A DUI or DWI in Louisiana could raise your rates by an average of 55%.
In addition, Louisiana drivers may need SR-22 insurance after a DUI. Insurance companies typically charge between $15 and $50 to file an SR-22 form on your behalf. That's on top of any increase in your car insurance rates.
Cheap car insurance in Louisiana for drivers with poor credit: Allstate
Allstate has the most affordable quotes for Louisiana drivers with bad credit. A full coverage policy from Allstate costs around $298 per month, which is a 57% savings compared to the state average.
Affordable car insurance for bad credit
Company | Monthly rate |
|---|---|
| Allstate | $298 |
| Safeway | $340 |
| Progressive | $577 |
| Geico | $603 |
| USAA* | $339 |
*USAA is only available to current and former military members and their families.
Your credit score doesn't affect your ability to drive safely. But insurance companies believe that drivers with poor credit are more likely to make a claim. As a result, drivers with bad credit pay $360 more per month for car insurance in Louisiana than those with good credit.
Is your car insurance company raising rates in Louisiana in 2026?
Only a few major car insurance companies have raised rates in Louisiana in 2026. Many more companies have actually lowered rates across the state so far this year.
- ↑ Biggest increase: American Family at +3.5%
- ↓ Biggest decrease: Farm Bureau at -10.5%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| Farm Bureau | ↓ 10.5% | ↑ 69.2% |
| State Farm | ↓ 6.0% | ↑ 18.0% |
| Progressive | ↓ 5.5% | ↑ 17.5% |
| Shelter | ↓ 2.4% | ↑ 37.3% |
| Allstate | ↓ 2.3% | ↑ 28.3% |
| Liberty Mutual | ↓ 0.4% | ↑ 39.4% |
| USAA | ↓ 0.2% | ↑ 37.7% |
| AAA | ↓ 0.2% | ↑ 14.6% |
| GoAuto | 0.0% | ↑ 7.9% |
| Orpheus | 0.0% | ↑ 22.6% |
| Travelers | 0.0% | 0.0% |
| Geico | ↑ 0.7% | ↑ 33.1% |
| Farmers | ↑ 1.7% | ↑ 26.7% |
| American Family | ↑ 3.5% | ↓ 1.8% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
Don't rush to switch insurance companies just because your company is raising rates in 2026.
Even companies that haven't yet increased rates this year still tend to raise their car insurance rates over time.
For instance, as of July, Farm Bureau has lowered its car insurance rates by 10.5% in 2026. But the company has raised rates by 69% over the last five years. That's the largest hike in Louisiana over that time period, compared to other major companies.
In comparison, the company with the biggest rate hike so far this year, American Family, has actually lowered rates by almost 2% over the same time period.
Louisiana auto insurance minimum requirements
In Louisiana, the law requires you to have a minimum of 15/30/25 of liability insurance to register and drive a car. This helps pay for injuries to others or damage to their property after an accident you cause. Keep in mind you may face penalties if you drive without insurance in Louisiana.
The minimum limits required in Louisiana are:
- Bodily injury liability: $15,000 per person and $30,000 per accident
- Property damage liability: $25,000
Louisiana allows alternative methods of proving financial responsibility, including:
- A surety bond
- A cash or securities deposit with the State Treasurer of $55,000 per vehicle
- Self-insurance for people with more than 25 registered vehicles or qualifying Louisiana property worth at least $100,000
Car insurance is required for all drivers in Louisiana. Like in many states, there are penalties for driving without auto insurance, including fines, license confiscation, registration suspension and vehicle impoundment.
Potential fines and penalties for driving without insurance in LouisianaFirst offense:
- Fine: $100 reinstatement fee and $10 administration fee
- Driving privileges: Suspension of your license plates and registration
- Other penalties: Vehicle impoundment; related towing, storage or wreckage costs for impoundment
Second offense:
- Fine: $250 reinstatement fee and $10 administration fee
- Driving privileges: Suspension of your license plates and registration
- Other penalties: Vehicle impoundment; related towing, storage or wreckage costs for impoundment
Third and subsequent offenses:
- Fine: $500 reinstatement fee and $10 administration fee
- Driving privileges: Suspension of your license plates and registration
- Other penalties: Vehicle impoundment; related towing, storage or wreckage costs for impoundment
What's the best car insurance to get in Louisiana?
Full coverage car insurance is the best choice for most people in Louisiana.
That's because full coverage insurance protects your car from damage with collision and comprehensive insurance.
- Collision insurance pays for damage after a crash with another object — like a car, building or pole — regardless of whose fault it is.
- Comprehensive insurance pays for damage outside of your control, like hail, vandalism or theft.
If you have a car loan or lease, your lender probably requires that you have collision and comprehensive coverage. These coverages are also a good idea if your car is less than 8 years old or worth more than $5,000.
Full coverage also typically has higher liability limits than the minimum requirement. In Louisiana, the minimum requirement is fairly low, so it's unlikely that it’ll cover the full cost of a major accident.
For example, if you crash into a brand-new car, $25,000 probably won't be enough money to replace it. If you have minimum liability insurance, you'll have to pay the difference out of pocket.
Frequently asked questions
Who has the cheapest Louisiana car insurance rates?
In 2026, Allstate has the cheapest car insurance quotes in Louisiana, at $298 per month for full coverage. That's $29 per month cheaper than the statewide average. Allstate also has the cheapest minimum liability coverage, at $74 per month.
Is Geico a good car insurance company in Louisiana?
Geico is one of the most affordable insurance companies in most other states, but in Louisiana, its rates are among the most expensive. The company's average rate of $400 per month for full coverage auto insurance is $73 per month higher than the state average. It also has lower customer service ratings than companies like Farm Bureau and USAA.
How much is car insurance in Louisiana per month?
The average rate for car insurance in Louisiana is $327 per month for a full coverage policy and $101 per month for a minimum liability policy.
Is auto insurance cheaper in Texas or Louisiana?
Full coverage car insurance in Louisiana is $80 per month more expensive than the same coverage in Texas. Minimum liability coverage is also $14 per month more in Louisiana, despite Louisiana requiring less coverage.
Why is car insurance so expensive in Louisiana?
Louisiana is the second most expensive state in the country for a full coverage policy, with an average rate of $327 per month. Louisiana car insurance is expensive for various reasons, including the state’s high number of accidents and auto-related lawsuits.
How much is car insurance in New Orleans?
A full coverage car insurance policy in New Orleans costs $523 per month, which makes it the most expensive city in the state for car insurance. In comparison, auto insurance in Baton Rouge costs an average of $400 per month. These large cities typically have higher rates due to increased traffic and car theft.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Louisiana for the largest insurance companies in the state. Rates are for a 30-year-old man with good credit who drives a 2018 Honda Civic EX.
Quotes for full coverage include higher liability limits than the state requirement along with collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
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.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Louisiana Department of Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
