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).
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
Safeway, Geico and Allstate represent more expensive options for our sample driver.
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.
|Louisiana Farm Bureau||$1,733||$144|
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.
|Louisiana Farm Bureau||$2,220||$185|
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.
|Louisiana Farm Bureau||$1,970||$164|
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.
|Louisiana Farm Bureau||$2,308||$192|
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.
|Louisiana Farm Bureau||$2,480||$207|
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.
|Louisiana Farm Bureau||$1,618||$135|
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.
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.
|1||Louisiana Farm Bureau||$3,319||$1,121|
USAA is excluded from rankings because it is only available to current and former military members and their families.
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.
|Louisiana Farm Bureau||$4,314||$360|
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.
|Louisiana Farm Bureau||$3,836||$320|
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.
Percentage of respondents extremely satisfied with experience
Percentage of respondents who saw customer service as excellent
|N/A||Louisiana Farm Bureau||N/A||N/A|
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.
2019 NAIC complaint index
2020 J.D. Power claims satisfaction
AM Best rating
|Louisiana Farm Bureau||0.36||—||A+|
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++.
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:
State 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 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.
Average annual cost
Percentage difference from average
|Fort Polk North||$2,785||-21.5%|
|Fort Polk South||$2,792||-21.3%|
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.
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
|Southern Farm Bureau||$244.2||-4.4%||-7.6%|
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
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:
|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|
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.