Who Has the Cheapest Car Insurance Rates in Louisiana?

Find Cheap Auto Insurance Quotes in Louisiana

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We collected thousands of car insurance quotes in Louisiana across hundreds of cities to figure out how much car insurance costs and which companies are the cheapest. Based on our sample driver, the average cost of minimum coverage car insurance in the Bayou State is $665 for a six-month policy, or $1,329 per year.


Cheapest for minimum liability

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Cheapest for full coverage

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Cheapest for drivers with an accident

Louisiana Farm Bureau
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Best for customer service

USAA logo
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Costs can vary widely by company. The cheapest car insurance company in Louisiana that is widely available is State Farm, costing an average of $999 per year. The most expensive insurer is Allstate, at $2,019 per year. Rates will also change greatly by your location and the type of coverage you buy, with full coverage car insurance in Leesville, the cheapest city, being over $2,800 cheaper than New Orleans, the most expensive city, on average.

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 by the state of Louisiana, State Farm is the cheapest widely-available option, according to our sample. However, if you qualify, USAA is actually the cheapest option, with a minimum policy only costing $650 per year.

This graph shows who offers the most affordable car insurance rates in Louisiana.
This graph shows who offers the most affordable car insurance rates in Louisiana.

Find Cheap Auto Insurance Quotes in Louisiana

Currently insured?
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Safeway, GEICO and Allstate represent more expensive options for our sample driver.

RankCompanyAnnual rate
1State Farm$999
2Southern Farm Bureau$1,095
3Progressive$1,348
4Safeway$1,433
5GEICO$1,762
6Allstate$2,019
N/A*USAA$650
USAA is not ranked as only current and former military members and their families qualify for a policy.

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 62% cheaper than a full coverage policy.

Cheapest full coverage auto insurance: State Farm

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

  • State Farm: At $2,485 per year or $207 per month, our sample driver got liability coverage and comprehensive and collision insurance.
  • Louisiana Farm Bureau: For $2,671 per year — or $223 per month — the Farm Bureau can also provide shoppers with savings. However, you will have to pay an annual membership fee to qualify for a Farm Bureau policy.
  • Safeway: A lesser known insurer that does not operate nationwide, Safeway was the third most affordable option for auto insurance in Louisiana at $3,024 per year or $252 per month.
  • USAA: The cheapest for those who qualify, with annual premiums of $1,951 per year, or $163 per month.

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.

A good rule of thumb to determine this is whether the value of your car is greater than the cost of full coverage plus your deductible.

Cheapest auto insurance for drivers with an accident history: Louisiana Farm Bureau

Drivers with a recent accident generally pay more for car insurance than those with a clean record: 44% more on average in Louisiana, according to our sample. Those looking for savings should get a quote from the Louisiana Farm Bureau. We found that the Farm Bureau did not raise rates for our sample driver after an at-fault accident.

Other insurance companies raised annual rates by as little as $424 (State Farm) to as much as $3,193 (GEICO). Below we rank Louisiana car insurers by cheapest rates before an accident and show how rates change for our sample driver before and after the incident.

RankCompanyRates after accidentRates before accidentDifference
1Louisiana Farm Bureau$2,671$2,671$0
2State Farm$2,910$2,485$424
3Safeway$3,745$3,024$720
4Progressive$7,437$4,603$2,833
5GEICO$7,776$4,583$3,193
6Allstate$8,105$5,360$2,745
N/A*USAA$2,831$1,951$879
USAA remains an affordable option but is once again not ranked as only military members — current and former — and their families qualify.

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 of 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.

RankCompany% of respondents extremely satisfied with experience% 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

Although national survey data for Louisiana Farm Bureau and Safeway was unavailable, consumer complaints logged with the National Association of Insurance Commissioners indicate that the Farm Bureau has a strong customer service reputation and Safeway a poor one. When adjusted for market size:

  • Louisiana Farm Bureau has a complaint index of 0.07. The national index is 1.0, so consumers complain about the Farm Bureau at a far lower rate than the national average.
  • Safeway has a complaint index of 2.03, indicating consumers complain about its service more than twice as often as the national average.

Louisiana auto insurance requirements

In Louisiana, 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 that result from accident you cause. The following minimum limits are required in the state:

Coverage typeState minimum limits
Bodily injury (per person/per accident)$15,000/$30,000
Property damage per accident$25,000

Although minimum limits cover $30,000 in bodily injury costs and $25,000 in property damage costs per accident, and are the cheapest liability insurance you can buy, we recommend purchasing even more liability insurance if you can afford it. Ideally, you should have coverage limits per accident high enough to cover your net worth.

Cheapest car insurance quotes in Louisiana: By City

Car insurance rates in Louisiana and elsewhere can vary greatly depending on where you live and park. We dug into data for the 50 most populous cities in the Bayou State to find the cheapest insurer in each.

For those who qualify, USAA was the cheapest insurer in each city. State Farm tended to be the second most affordable insurer, but the Louisiana Farm Bureau and Safeway Insurance were also occasionally among the cheapest providers in the state. Rates below are for a full coverage policy.

CityCompanyAnnual premium
AbbevilleUSAA$1,926
State Farm$2,468
Louisiana Farm Bureau$2,631
AddisUSAA$2,192
State Farm$2,664
Safeway$3,324
AlexandriaUSAA$2,063
State Farm$2,816
Louisiana Farm Bureau$2,850
BakerUSAA$2,308
State Farm$2,783
Louisiana Farm Bureau$3,691
BastropUSAA$1,686
Louisiana Farm Bureau$2,083
State Farm$2,270
Baton RougeUSAA$2,198
State Farm$2,952
Louisiana Farm Bureau$3,991
BogalusaUSAA$2,104
Safeway$2,446
State Farm$2,490
Bossier CityUSAA$1,585
State Farm$2,222
Louisiana Farm Bureau$2,315
Breaux BridgeUSAA$2,102
State Farm$2,485
Louisiana Farm Bureau$2,953
BroussardUSAA$2,000
State Farm$2,382
Louisiana Farm Bureau$3,000
CarencroUSAA$2,047
State Farm$2,618
Louisiana Farm Bureau$3,195
CentralUSAA$2,176
State Farm$2,858
Louisiana Farm Bureau$3,650
CovingtonUSAA$1,835
State Farm$2,391
Louisiana Farm Bureau$2,585
CrowleyUSAA$2,020
Louisiana Farm Bureau$2,182
State Farm$2,297
Denham SpringsUSAA$2,265
State Farm$2,884
Safeway$3,188
DeridderUSAA$1,586
Louisiana Farm Bureau$1,990
Safeway$2,106
DonaldsonvilleUSAA$2,041
State Farm$2,649
Safeway$3,192
EuniceUSAA$1,935
Louisiana Farm Bureau$2,367
State Farm$2,533
FranklinUSAA$1,894
Louisiana Farm Bureau$2,149
State Farm$2,292
GonzalesUSAA$2,113
State Farm$2,783
Safeway$3,192
GretnaUSAA$2,463
State Farm$3,520
Louisiana Farm Bureau$4,130
HammondUSAA$2,004
State Farm$2,600
Louisiana Farm Bureau$2,874
HoumaUSAA$1,869
State Farm$2,433
Louisiana Farm Bureau$2,568
JenningsUSAA$1,828
Louisiana Farm Bureau$2,162
State Farm$2,165
KennerUSAA$2,432
State Farm$3,175
Louisiana Farm Bureau$3,880
LafayetteUSAA$2,054
State Farm$2,614
Louisiana Farm Bureau$3,288
Lake CharlesUSAA$2,009
Louisiana Farm Bureau$2,485
State Farm$2,536
LeesvilleUSAA$1,397
Louisiana Farm Bureau$1,996
State Farm$2,135
MandevilleUSAA$1,847
State Farm$2,325
Louisiana Farm Bureau$2,505
MarksvilleUSAA$1,990
State Farm$2,856
Louisiana Farm Bureau$3,547
MindenUSAA$1,697
Louisiana Farm Bureau$1,972
Safeway$2,098
MonroeUSAA$2,048
State Farm$2,522
Louisiana Farm Bureau$2,893
NatchitochesUSAA$1,682
Louisiana Farm Bureau$2,101
State Farm$2,168
New IberiaUSAA$2,030
State Farm$2,506
Louisiana Farm Bureau$2,690
New OrleansUSAA$2,678
State Farm$3,982
Louisiana Farm Bureau$4,720
OakdaleUSAA$1,873
Louisiana Farm Bureau$2,328
Safeway$2,332
PattersonUSAA$1,894
State Farm$2,089
Louisiana Farm Bureau$2,140
PinevilleUSAA$1,907
State Farm$2,620
Louisiana Farm Bureau$2,738
PlaquemineUSAA$2,286
State Farm$2,887
Safeway$3,202
PonchatoulaUSAA$2,016
State Farm$2,561
Louisiana Farm Bureau$2,784
RayneUSAA$2,020
Louisiana Farm Bureau$2,164
State Farm$2,272
RustonUSAA$1,628
Louisiana Farm Bureau$1,954
State Farm$2,044
ShreveportUSAA$1,804
State Farm$2,343
Louisiana Farm Bureau$2,478
SlidellUSAA$1,904
State Farm$2,619
Louisiana Farm Bureau$2,636
St. GabrielUSAA$2,123
State Farm$2,888
Safeway$3,202
SulphurUSAA$1,975
Louisiana Farm Bureau$2,233
State Farm$2,441
ThibodauxUSAA$1,863
Louisiana Farm Bureau$2,435
State Farm$2,439
Ville PlatteUSAA$1,958
Louisiana Farm Bureau$2,650
State Farm$2,666
WalkerUSAA$2,274
State Farm$2,791
Louisiana Farm Bureau$3,187
YoungsvilleUSAA$2,059
State Farm$2,512
Louisiana Farm Bureau$3,069

We took a closer look at the five largest cities in Louisiana by population:

  • New Orleans
  • Baton Rouge
  • Shreveport
  • Lafayette
  • Lake Charles

If you're eligible, USAA is the cheapest insurer in all five cities. Otherwise, you're best served starting your search with State Farm or the Louisiana Farm Bureau. Keep in mind that rates are for our sample driver and may vary widely depending on your vehicle and driver profile.

Auto insurance in New Orleans, LA

New Orleans is by far the most expensive city for car insurance in Louisiana.

  • Our sample driver pays $5,634 per year for car insurance on average, 60% higher than the Louisiana average.
  • High rates are likely driven by the city's population density and the likelihood of getting into an accident.

Shoppers can still find relatively affordable car insurance quotes in New Orleans. State Farm costs $3,982 per year on average, 29% cheaper than the city average. Insurers such as GEICO and Progressive are particularly expensive in New Orleans, with premiums over $6,500 per year.

Auto insurance in Baton Rouge, LA

The second most populous city in the state, Baton Rouge is also relatively expensive for consumers. Baton Rouge ranks as the fourth most expensive city in our 50 city sample.

  • Our sample driver pays $4,383 per year for auto insurance coverage, 24% higher than the state average.
  • Baton Rouge is still 22% cheaper than New Orleans, however.

USAA and State Farm are easily the most affordable options in Baton Rouge. State Farm is over $1,000 cheaper per year than the closest competitor, Louisiana Farm Bureau.

Auto insurance in Shreveport, LA

Although a populous city, Shreveport is relatively cheap for Louisiana auto insurance.

  • Full coverage car insurance costs $3,348 per year for our sample driver, 5% cheaper than the state average.
  • Shreveport is the 18th most affordable city of the 50 most populous in Louisiana.

Aside from USAA, comparison shoppers can get relatively cheap car insurance in Shreveport with State Farm or the Louisiana Farm Bureau. Progressive, GEICO and Allstate remain expensive despite the city's general affordability, with those three insurers quoting average annual premiums of $4,612.

Auto insurance in Lafayette, LA

Lafayette, with average car insurance rates of $3,720, is more expensive than your average Louisiana city.

  • USAA and State Farm are the best insurers to get savings, with average annual rates of $2,054 and $2,614 respectively.
  • Safeway Insurance rates are right around the city average at $3,601 per year.

Auto insurance in Lake Charles, LA

Lake Charles falls in the middle of the pack for auto insurance affordability in Louisiana.

  • With average annual rates of $3,602 per year, the city is the 27th cheapest out of 50.
  • Lake Charles is one of the 15 cities in which Kentucky Farm Bureau is cheaper than State Farm. Average annual rates for the Farm Bureau are $2,485 per year.

Average car insurance cost in Louisiana: By City

For our sample driver, the average cost of car insurance in the state of Louisiana is $1,329 per year for a minimum coverage policy and $3,525 for a full coverage policy. Below, we rank the 50 most populous cities in the state from cheapest to most expensive based on full coverage policy rates.

  • The cheapest city in Louisiana for auto insurance is Leesville, where a policy costs $2,833 per year on average.
  • New Orleans is the biggest and most expensive city in the state: an auto insurance policy costs $5,634 per year.
RankCityAverage annual premiums
1Leesville$2,833
2Minden$2,872
3Ruston$2,896
4Deridder$2,918
5Natchitoches$2,990
6Bossier City$3,068
7Patterson$3,122
8Thibodaux$3,127
9Franklin$3,160
10Jennings$3,216
11Houma$3,220
12Crowley$3,246
13Oakdale$3,277
14Sulphur$3,282
15Mandeville$3,310
16Bastrop$3,312
17Rayne$3,312
18Shreveport$3,348
19Eunice$3,374
20Covington$3,391
21Bogalusa$3,442
22New Iberia$3,447
23Abbeville$3,462
24Ville Platte$3,576
25Slidell$3,578
26Ponchatoula$3,594
27Lake Charles$3,602
28Breaux Bridge$3,612
29Carencro$3,648
30Broussard$3,659
31Youngsville$3,672
32Hammond$3,689
33Pineville$3,691
34Monroe$3,699
35Lafayette$3,720
36Donaldsonville$3,794
37Alexandria$3,796
38Plaquemine$3,874
39Walker$3,955
40Gonzales$3,989
41Marksville$3,996
42St. Gabriel$4,001
43Denham Springs$4,026
44Addis$4,047
45Central$4,219
46Baker$4,258
47Baton Rouge$4,383
48Kenner$4,490
49Gretna$4,935
50New Orleans$5,634

Auto insurance reform in Louisiana

Louisiana lawmakers are attempting to pass a tort reform bill, which will help lower the cost of car insurance in Louisiana. This new proposed bill will potentially lower auto insurance rates by limiting damage lawsuits by individuals injured in car accidents. This would also limit damage claims against insurance companies. The insurance commissioner estimates a potential savings of 10% to 25% for Louisiana drivers.

With Louisiana having the third-highest premiums in the country, drivers could save an average of $140 to $349 a year.

This bill focuses on four components of tort law, which is a wrongful act resulting in injury or damages:

  • Use of jury trials more frequently -- rather than a single judge -- to argue damage claims
  • Limit plaintiffs from suing insurance companies
  • Cap certain damages that can be awarded
  • Increase the amount of time individual parties can file lawsuits for settlement negotiations

Louisiana is one of the few states where individuals can sue the insurance company directly, and this bill may promote more insurers to write policies in this state. With the increase in competition, Louisiana residents may see lower insurance rates.

As of May 2020, this bill will now move to the House, where a similar bill filed by Democratic lawmakers will also be considered.

Below we've calculated a list of potential average savings for the top 50 cities in Louisiana for a minimum coverage policy, which only includes liability insurance. We have shown the annual dollar savings in hypothetical scenarios in which car insurance rates go down by 10% and 25%.

Average Insurance Savings for the Top 50 Louisiana Cities

CityAverage Insurance CostAverage insurance savings (10%)Average insurance savings (25%)
Leesville$989$99$247
Minden$994$99$248
Ruston$994$99$249
Deridder$1,047$105$262
Natchitoches$1,050$105$263
Bossier City$1,150$115$288
Patterson$1,228$123$307
Thibodaux$1,284$128$321
Franklin$1,227$123$307
Jennings$1,203$120$301
Houma$1,292$129$323
Crowley$1,276$128$319
Oakdale$1,196$120$299
Sulphur$1,206$121$302
Mandeville$1,291$129$323
Bastrop$1,212$121$303
Rayne$1,295$130$324
Shreveport$1,244$124$311
Eunice$1,298$130$325
Covington$1,317$132$329
Bogalusa$1,209$121$302
New Iberia$1,349$135$337
Abbeville$1,340$134$335
Ville Platte$1,408$141$352
Slidell$1,353$135$338
Ponchatoula$1,350$135$338
Lake Charles$1,370$137$342
Breaux Bridge$1,428$143$357
Carencro$1,505$151$376
Broussard$1,480$148$370
Youngsville$1,484$148$371
Hammond$1,364$136$341
Pineville$1,441$144$360
Monroe$1,454$145$363
Lafayette$1,534$153$383
Donaldsonville$1,442$144$361
Alexandria$1,518$152$380
Plaquemine$1,498$150$375
Walker$1,564$156$391
Gonzales$1,567$157$392
Marksville$1,554$155$388
St. Gabriel$1,560$156$390
Denham Springs$1,597$160$399
Addis$1,583$158$396
Central$1,684$168$421
Baker$1,746$175$436
Baton Rouge$1,783$178$446
Kenner$1,802$180$451
Gretna$1,952$195$488
New Orleans$2,097$210$524

Methodology

Quotes were collected from hundreds of cities in Louisiana for this study. We profiled a driver who is a 30-year-old male driving a 2015 Honda Civic EX. The driver has a below-fair to poor credit history and bought a full coverage policy with the following characteristics:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

When quoting a Louisiana minimum-coverage policy, our sample driver bought a policy with the limits required by the state, as described above.

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.

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.