Cheapest Car Insurance Quotes in Louisiana (2024)
Farm Bureau has the best cheap car insurance in Louisiana, at $145 per month for full coverage.
Find Cheap Auto Insurance Quotes in Louisiana
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 in Louisiana: Farm Bureau
Farm Bureau offers the cheapest full coverage quotes in Louisiana, charging $145 per month. That's 36% less than the state average.
The average cost of full coverage car insurance in Louisiana is $227 per month, or $2,719 per year.
USAA also has very affordable rates for drivers that qualify. Its average price for full coverage is $144 per month.
Find Cheap Auto Insurance Quotes in Louisiana
Cheapest full coverage insurance in Louisiana
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $145 |
| State Farm | $219 |
| Progressive | $226 |
| Allstate | $243 |
| Safeway | $257 |
*USAA is only available to current and former military members and their families.
Geico is among the most affordable insurance companies in most states, but its rates in Louisiana are expensive. The company's average rate of $353 per month for full coverage auto insurance is $126 per month higher than the state average.
Cheapest liability car insurance quotes in Louisiana: Farm Bureau
Farm Bureau has the cheapest car insurance quotes in Louisiana. A minimum coverage policy from Farm Bureau costs $56 per month, or $666 per year, 26% less expensive than the state average.
The average cost of car insurance in Louisiana is $79 per month, or $948 per year, for minimum liability.
Louisiana drivers with military ties can find even cheaper rates from USAA, which has an average rate of $54 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 |
|---|---|
| Farm Bureau | $56 |
| Progressive | $69 |
| State Farm | $74 |
| Allstate | $81 |
| Geico | $103 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Louisiana
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 $144 per month, which is 43% less than the state average.
The average cost of minimum liability insurance for an 18-year-old driver in Louisiana is $253 per month.
Farm Bureau has excellent prices for teens who need full coverage insurance. Its rates are less than half as expensive as the next-best widely available option, State Farm.
Cheapest Louisiana car insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $144 | $277 |
| State Farm | $260 | $629 |
| Geico | $270 | $857 |
| Allstate | $273 | $735 |
| Safeway | $312 | $635 |
Teens who've enlisted in the military and their families may be able to find cheaper quotes from USAA. At $115 per month, minimum coverage from USAA costs less than half the average rate 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 three 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 buying a policy by yourself.
Cheapest car insurance after a speeding ticket: Farm Bureau
Farm Bureau has the most affordable full coverage insurance quotes for people with a recent speeding ticket, with an average price of $164 per month. That's only 13% more expensive than a Farm Bureau policy for a driver with a clean record.
Company | Monthly rate |
|---|---|
| Farm Bureau | $164 |
| State Farm | $234 |
| Safeway | $263 |
| Progressive | $291 |
| Allstate | $315 |
Louisiana drivers usually experience a 23% increase in insurance rates after a single speeding ticket.
Cheapest car insurance after an accident: Farm Bureau
Farm Bureau offers the cheapest quotes for Louisiana drivers with a recent at-fault accident, charging $185 per month for a full coverage policy. That's $66 less per month than State Farm, the second-cheapest option.
Best rates after a car accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $185 |
| State Farm | $251 |
| Safeway | $317 |
| Progressive | $356 |
| Allstate | $370 |
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 after an accident, Geico, raises rates by 58%, to $557 per month.
Cheapest car insurance for young drivers after a ticket or accident: Farm Bureau
Farm Bureau is the best insurance company for a young driver who's recently received a speeding ticket or been at fault in a crash. Minimum coverage insurance from Farm Bureau costs $169 per month after a ticket, which is $115 less per month than the second-cheapest minimum coverage option, State Farm.
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $169 | $189 |
| State Farm | $284 | $313 |
| Safeway | $327 | $403 |
| Allstate | $362 | $444 |
| Progressive | $422 | $468 |
On average, car insurance quotes in Louisiana go up by 22% for young drivers after a single speeding ticket. And a recent accident will result in an average increase of 35%.
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 $191 per month for full coverage car insurance. That's 57% cheaper than the state average, which is $446 per month.
Cheap DUI car insurance in Louisiana
Company | Monthly rate |
|---|---|
| Farm Bureau | $191 |
| Allstate | $315 |
| Progressive | $326 |
| Safeway | $339 |
| Geico | $740 |
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 nearly double after a single DUI.
Cheap car insurance for drivers with poor credit: Allstate
The most affordable quotes for drivers with bad credit are from Allstate. A full coverage policy from Allstate costs around $243 per month — 44% cheaper than average.
Best affordable car insurance for bad credit
Company | Monthly rate |
|---|---|
| Allstate | $243 |
| Safeway | $257 |
| Farm Bureau | $258 |
| Progressive | $430 |
| Geico | $531 |
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 90% more for car insurance in Louisiana than drivers with good credit.
Best car insurance companies in Louisiana
USAA has the best rating from our editors, the best customer service score and the best financial strength rating among insurance companies in Louisiana.
Drivers who aren't eligible for USAA should consider State Farm and Farm Bureau. All three companies earn top marks, making them excellent choices for drivers.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Farm Bureau | NR | A | |
| Geico | 835 | A++ | |
| Allstate | 824 | 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 pay the least for full coverage auto insurance in the state, while New Orleans residents pay the most.
In Louisiana, auto insurance rates fluctuate by up to $170 per month between cities.
People living in Hornbeck, a small town near the Texas border, pay around $174 per month for a full coverage policy. New Orleans drivers pay about double that for insurance — a policy costs $344 per month, on average. Car insurance rates are generally more expensive in cities, where there's more traffic and car theft.
Average cost of full coverage car insurance by city
City | Monthly rate | % from average |
|---|---|---|
| Abbeville | $221 | -2% |
| Abita Springs | $227 | 0% |
| Acme | $223 | -2% |
| Addis | $267 | 18% |
| Aimwell | $201 | -11% |
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 and $30,000 per accident |
| Property damage liability | $25,000 |
What's the best car insurance to get in Louisiana?
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.
Frequently asked questions
Who has the cheapest car insurance in Louisiana?
Farm Bureau has the cheapest car insurance quotes in Louisiana, at $56 per month for minimum coverage and $145 per month for full coverage.
How much is car insurance per month in Louisiana?
The average rate for car insurance in Louisiana is $79 per month for a minimum coverage policy and $227 per month for a full coverage policy.
Does Louisiana have the highest car insurance costs in the country?
Louisiana is the fourth-most expensive state in the country for a full coverage auto insurance policy, with an average rate of $227 per month. Michigan has the highest rates across the country. 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?
A full coverage car insurance policy in New Orleans costs $344 per month, which makes it the most expensive city in the state for car insurance. By comparison, car insurance costs an average of $277 per month in the second-largest city, 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
ValuePenguin collected thousands of rates from ZIP codes across Louisiana for the state's largest insurers. Rates are for a 30-year-old male with good credit who drives a 2015 Honda Civic EX.
Unless otherwise noted, quotes are based on a full coverage policy with collision, comprehensive and higher liability limits than the state minimums.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 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.
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.