Who Has the Cheapest Car Insurance Quotes in Louisiana? (2023)
Who Has the Cheapest Car Insurance Quotes in Louisiana? (2023)
State Farm has the best cheap car insurance quotes in Louisiana, at $54 per month for minimum liability coverage.
Best cheap car insurance in Louisiana
To help you find the best cheap car insurance, our editorial team compared quotes from top auto insurance companies in Louisiana from every ZIP code in the state. Quotes for minimum coverage meet the Louisiana state requirements of $15,000 in bodily injury liability coverage per person and $30,000 per accident, plus $25,000 in property damage coverage. Quotes for full coverage policies include higher liability limits than state minimums, plus collision and comprehensive coverage.
We also rated the best car insurance companies in Louisiana based on affordability for different drivers, customer service, convenience and coverage availability.
Cheapest car insurance quotes in Louisiana: State Farm
State Farm has the cheapest car insurance quotes in Louisiana. A minimum coverage policy from State Farm costs $54 per month, or $648 per year, which is 26% less expensive than the state average.
The average cost of car insurance in Louisiana is $73 per month, or $871 per year, for minimum liability.
Louisiana drivers with military ties can find even cheaper rates from USAA: $51 per month. However, only military members, veterans and their families can buy car insurance from USAA.
Cheapest minimum coverage car insurance in Louisiana
Company | Monthly rate | |
|---|---|---|
| State Farm | $54 |
| Farm Bureau | $55 |
| Progressive | $69 |
| Geico | $93 |
| Safeway | $114 |
| USAA | $51 |
*USAA is only available to current and former military members and their families.
Although a minimum liability policy meets the legal requirements to drive a car in Louisiana, it likely won't offer enough protection to cover your costs if you're in a major accident.
Minimum coverage doesn't include comprehensive or collision insurance, which means damage to your own car will not be covered if an accident is your fault. Only a full coverage policy will pay for damage to your own car.
Cheapest full coverage car insurance in Louisiana: State Farm
State Farm offers the cheapest full coverage quotes in Louisiana, at $143 per month. That's 27%, or $55 per month, less than the state average. USAA also has very affordable rates for drivers that qualify.
The average cost of full coverage car insurance in Louisiana is $198 per month, or $2,370 per year.
Company | Monthly rate |
|---|---|
| State Farm | $143 |
| Farm Bureau | $149 |
| Progressive | $226 |
| Safeway | $230 |
| Geico | $304 |
| USAA | $134 |
*USAA is only available to current and former military members and their families.
Geico is usually one of the most affordable insurance companies in most states, but its rates in Louisiana are expensive. The company quoted $304 per month for full coverage auto insurance, which is $106 per month higher than the state average.
Cheap car insurance in Louisiana for drivers with prior incidents
If you have a less-than-perfect driving history, you'll usually pay more for car insurance. That's because insurance companies believe you're more likely to file a claim in the future.
Cheapest car insurance after a speeding ticket: State Farm
State Farm has the most affordable full coverage insurance quotes for people with a recent speeding ticket, with an average price of $153 per month. That's only 7% more expensive than a policy from State Farm for a driver with a clean record.
Company | Monthly rate |
|---|---|
| State Farm | $153 |
| Farm Bureau | $168 |
| Safeway | $235 |
| Progressive | $291 |
| Geico | $427 |
| USAA | $170 |
Louisiana drivers usually experience a 22% increase in insurance rates after a single speeding ticket.
Cheapest car insurance after an accident: State Farm
State Farm offers the cheapest quotes for Louisiana drivers with a recent at-fault accident, at $164 per month for a full coverage policy.
Company | Monthly rate |
|---|---|
| State Farm | $164 |
| Farm Bureau | $189 |
| Safeway | $283 |
| Progressive | $356 |
| Geico | $480 |
| USAA | $193 |
Drivers in Louisiana with an accident on their record pay 41% more for car insurance than those with a clean record.
The most expensive insurer, Geico, raised rates by 58%, an increase of $176 per month.
Cheapest car insurance after a DUI: Farm Bureau
The cheapest company for Louisiana drivers with a DUI citation is Farm Bureau, with an average rate of $195 per month for full coverage car insurance. That's 46% cheaper than the state average, which is $360 per month.
Company | Monthly rate |
|---|---|
| Farm Bureau | $195 |
| Safeway | $302 |
| Progressive | $326 |
| State Farm | $492 |
| Geico | $634 |
| USAA | $208 |
Being convicted of driving under the influence (DUI or DWI) will usually result in a big rate increase from your car insurance company. Overall, quotes in Louisiana increase by 54% after a single DUI.
Cheap car insurance for drivers with poor credit: Safeway
The most affordable quotes for drivers with bad credit are from Safeway. A full coverage policy from Safeway costs around $230 per month — 28% cheaper than average.
Company | Monthly rate |
|---|---|
| Safeway | $230 |
| Farm Bureau | $265 |
| State Farm | $325 |
| Progressive | $430 |
| Geico | $457 |
| USAA | $213 |
While your credit score does not affect your ability to drive safely, drivers with poor credit are statistically more likely to make a claim. As a result, these drivers pay 62% more for car insurance in Louisiana than drivers with good credit.
Cheapest car insurance quotes for young drivers in Louisiana: Farm Bureau
Farm Bureau is the cheapest option for young Louisiana drivers looking for minimum or full coverage car insurance. The average rate for minimum coverage for teen drivers from Farm Bureau is $143 per month, which is 39% less than the state average.
The average cost of minimum liability insurance for an 18-year-old driver in Louisiana is $234 per month.
Cheapest Louisiana car insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $143 | $282 |
| State Farm | $189 | $410 |
| Geico | $241 | $729 |
| Safeway | $322 | $597 |
| Progressive | $400 | $1,243 |
| USAA | $107 | $255 |
Military service members and their families may be able to find cheaper quotes from USAA. At $107 per month, minimum coverage from USAA is 54% less expensive than average in Louisiana.
Younger drivers pay much more for car insurance than older drivers because they do not have as much experience behind the wheel and are more likely to get into accidents. An 18-year-old driver in Louisiana pays around four times as much for a car insurance policy as a 30-year-old driver.
The best way for a young 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 purchasing a policy by yourself.
Cheapest car insurance for teen drivers after a ticket: Farm Bureau
Farm Bureau is the best insurance company for a young driver who's recently been caught speeding. Minimum coverage insurance from Farm Bureau costs $168 per month, which is $39 less per month than the second-cheapest option, State Farm.
Company | Monthly rate |
|---|---|
| Farm Bureau | $168 |
| State Farm | $207 |
| Safeway | $337 |
| Geico | $397 |
| Progressive | $421 |
| USAA | $140 |
On average, car insurance quotes in Louisiana go up by 19% for young drivers after a single speeding ticket.
Cheapest car insurance for young Louisiana drivers after an accident: Farm Bureau
Young drivers with a recent at-fault accident on their record will find the cheapest rates with Farm Bureau, which costs $188 per month for minimum coverage.
Company | Monthly rate |
|---|---|
| Farm Bureau | $188 |
| State Farm | $227 |
| Geico | $356 |
| Safeway | $416 |
| Progressive | $468 |
| USAA | $161 |
If you're a younger driver who's recently been in an accident, you'll likely face higher insurance costs as a result. The average quote for a young driver with one recent crash is $303 per month in Louisiana, an increase of 30%.
Cheapest car insurance quotes for married drivers: Farm Bureau
Farm Bureau has the best prices for married drivers in Louisiana. Even though Farm Bureau's discount is average for the state, its rates are $4 per month less than the next cheapest option, State Farm.
Insurance companies in Louisiana give married drivers a 7% discount on average, though the amount varies by company.
Company | Monthly rate per car |
|---|---|
| Farm Bureau | $139 |
| State Farm | $143 |
| Progressive | $170 |
| Safeway | $195 |
| Geico | $334 |
| USAA | $121 |
While it doesn't have the cheapest rates, Progressive offers the largest percentage discount to married drivers, at 25%. On the other hand, married drivers may experience a slight increase in rates from Geico — its price went up by $3 per month.
Married drivers could save even more on their policy if they qualify for a multi-driver or multi-vehicle discount.
Best car insurance companies in Louisiana
USAA has the best rating from our editors, customer service score and financial strength rating among insurance companies in Louisiana.
Drivers who aren't eligible for USAA should consider State Farm and Farm Bureau. Both companies earn top marks from our editors and hold the highest rank for financial strength, making them excellent alternatives to USAA.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| Farm Bureau | NR | A | |
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Progressive | 819 | A+ | |
| Safeway | NR | A |
It's important for Louisiana drivers to consider customer service scores when shopping for the best cheap car insurance. Companies with high scores will help you get back on the road quickly after an accident, while those with poor ratings may take longer to process your claim.
Average car insurance rates in Louisiana by city
Drivers in Hornbeck have the cheapest full coverage auto insurance quotes in the state, while people in Louisiana's largest city, New Orleans, pay the highest rates.
It's not just how you drive that impacts your auto insurance rates but also where you live. In Louisiana, auto insurance rates fluctuate significantly by city.
People living in Hornbeck pay around $145 per month for a full coverage policy. New Orleans drivers pay more than double that for insurance — a policy costs $307 per month, on average. Car insurance rates are generally more expensive in big cities, where there's more traffic and crime rates are higher.
City | Average monthly cost | Percent from average |
|---|---|---|
| Abbeville | $194 | -2% |
| Abita Springs | $195 | -1% |
| Acme | $202 | 2% |
| Addis | $238 | 21% |
| Aimwell | $170 | -14% |
Louisiana car insurance requirements
In Louisiana, the law requires you to carry 15/30/25 of bodily injury and property damage liability auto insurance to register and drive a car. This goes toward covering injuries to others or damage to their property resulting from an accident you cause.
The minimum limits required in Louisiana are:
Coverage | Limits |
|---|---|
| Bodily injury liability | $15,000 per person/$30,000 per accident |
| Property damage liability | $25,000 |
Although you can legally drive with these low limits, we recommend purchasing more liability insurance if you can afford it. Higher liability limits will help cover any damage you're responsible for in a major accident.
Frequently asked questions
Who has the cheapest car insurance in Louisiana?
State Farm has the cheapest car insurance quotes in Louisiana, at $54 per month for minimum coverage and $143 per month for full coverage.
Who has the best car insurance in Louisiana?
USAA is the best car insurance company in Louisiana based on customer satisfaction and quality of service. However, it's only available to military members, veterans and their families. Drivers who don't qualify for USAA should consider State Farm or Farm Bureau.
How much is car insurance per month in Louisiana?
The average rate for car insurance in Louisiana is $73 per month for a minimum coverage policy and $198 per month for a full-coverage policy.
Does Louisiana have the highest car insurance in the country?
Louisiana is the second most expensive state in the country for a full coverage auto insurance policy, with an average rate of $198 per month. Michigan is the only state with higher rates. Louisiana car insurance is expensive for many reasons, including a large percentage of uninsured drivers and the high number of auto-related lawsuits in the state.
How much is car insurance in New Orleans?
New Orleans has the most expensive car insurance quotes in Louisiana. At $307 per month, full coverage insurance in New Orleans is 56% more expensive than the state average. That's probably because it's Louisiana’s largest city, which usually means more traffic and higher crime rates. By comparison, car insurance costs an average of $188 per month in the second-largest city, Shreveport, and $252 per month in Baton Rouge.
Is Louisiana a no-fault state?
Louisiana is not a no-fault state, which means that the driver who causes an accident is responsible for paying for the resulting damage.
Methodology
We collected thousands of rates from ZIP codes across Louisiana for the state's largest insurers. Rates are for a 30-year-old male driving a 2015 Honda Civic EX with average credit.
Unless otherwise noted, quotes are based on a full-coverage policy with the following limits:
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) | $10,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$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.
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.