Cheap Louisiana Car Insurance

Find affordable auto insurance that works for you in Louisiana. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Here's what you need to know when driving in Louisiana

Across the Pelican State, there are 128,532 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel. Keep reading to discover which companies offer the cheapest average insurance premiums in Louisiana based on the most common rating factors. 


 

Affordable insurance companies in Louisiana

What's the cheapest car insurance in Louisiana?
RankCompany NameAvg. Annual Premium
1Southern Farm Bureau$1,636
2USAA$1,856
3MetLife$1,873
4State Farm$2,163
5Cal Casualty$2,292
6Progressive$2,336
7GEICO$2,931
8Safe Auto$2,972
9Allstate$3,415
10Metropolitan$3,692

Compare quotes from dozens of insurance companies that provide coverage throughout Louisiana. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Louisiana

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Louisiana drivers without a recent at-fault accident typically save 31% on their car insurance premiums, which approaches the national average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$44117.10%
No Accidents$97331.24%
Good Credit$1,73944.83%

 

Cheap auto insurance for young drivers in Louisiana

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. Louisiana is an extraordinarily expensive state in which to insure a teen driver: the average teen will pay $10,107 per year in Louisiana, compared to just $4,900 annually across the US. Teens are approximately four times more expensive to insure than the average Louisiana driver.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$12,433$11,617
17$11,979$9,723
18$11,364$8,350
19$10,217$5,181

 

Cheap auto insurance for bad drivers in Louisiana

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 33% after a DUI, 31% after an at-fault accident, and 17% after a speeding ticket in Louisiana. The post-citation penalties assessed by car insurance companies in Louisiana roughly align with national averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$3,11331.24%
DUI$3,24233.99%
Speeding Violation$2,58217.10%
Bad Credit$3,88044.83%

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Top rated car insurance companies in Louisiana

Every car insurance company emphasizes its low costs. But as with any service, the lowest cost car insurance option isn't always the best option. Considering the financial stakes, it's worth doing the research to purchase an auto insurance policy that protects your vehicle completely after an accident. Hunt for the best value, instead of settling for the cheapest auto insurance in Louisiana.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AllstateAbove averageAverageSuperior4.3 / 5
Cal CasualtyN/AN/AGoodN/A
GEICOAverageAverageSuperior4.4 / 5
Liberty MutualBelow averageAbove averageGood4.2 / 5
MetLifeExcellentBelow AverageExcellentN/A
ProgressiveBelow averageBelow averageExcellent4.3 / 5
Safe AutoN/AN/AN/AN/A
Southern Farm BureauN/AN/ASuperiorN/A
State FarmAbove averageAbove averageSuperior4.5 / 5
USAAExcellentExcellentSuperior4.6 / 5

 

Louisiana auto insurance laws

In Louisiana, drivers are required to maintain the below liability coverage levels:

  • Bodily Injury: $15,000 per person
  • Bodily Injury: $30,000 per accident
  • Property Damage: $25,000 per accident

Optional coverage in Louisiana (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Personal Injury Protection (PIP)
  • Additional Personal Injury Protection (APIP)
  • Passenger Personal Injury Protection
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

For the minimum allowed coverage in Louisiana, prepare to pay an average of $1,339 per year. These rates are more expensive than the nationwide average by 104%. If you want more comprehensive coverage, you can select a policy with comprehensive and collision coverage, which will protect against costs incurred by car-versus-car collisions, auto theft, or weather conditions. Better auto insurance coverage comes with a cost: in Louisiana, a comprehensive policy with a $1,000 deductible costs $2,059, 54% more than liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 66% more than you would for liability-only coverage.

Learn more about auto insurance requirements in Louisiana.

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How tickets change insurance rates in Louisiana

When you receive a ticket your auto insurance rates will probably rise. By how much depends on the specific citation, your insurer's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below car insurance costs in Louisiana after a few common violations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$3,50550%$1,166
Refused Breathalyzer/Chemical Test$3,42146%$1,082
DUI$3,42146%$1,082
Racing$3,50550%$1,166
Reckless Driving$3,50550%$1,166
Driving with a Suspended License$3,51850%$1,179
At-Fault Accident$3,33042%$991
Driving with an Open Container$3,14534%$807
Operating a Vehicle Without Permission$3,13734%$799
Passing a School Bus$2,84922%$511
Improper Passing$2,84922%$511
Following Too Closely$2,84922%$511
Speeding$2,85522%$517
Failure to Stop at a Red Light$2,84922%$511
Illegal Turn$2,84922%$511
Driving Wrong Way/Wrong Lane$2,80620%$468
Failure to Yield$2,84922%$511
Speeding in a School Zone$2,81520%$477
Driving Too Slowly$2,81520%$477
Distracted Driving$2,68515%$347
Driving with Expired Registration$2,5077%$169
Failure to Show Documents$2,5077%$169
Not-at-Fault Accident$2,3641%$25
Failure to Use Child Safety Restraint$2,5077%$169
Failure to Wear a Seat Belt$2,4696%$130
Driving Without Lights$2,5077%$169

 

Louisiana car insurance FAQs

Who really has the cheapest insurance in Louisiana?

The cheapest providers in Louisiana are Southern Farm Bureau ($818) and USAA at ($928). Bear in mind, this data is based on an average driver profile and won't necessarily reflect the rate you receive. Use this data as a jumping-off point for your search for car insurance in Louisiana.

How much is auto insurance in Louisiana?

Car insurance in Louisiana is expensive. In 2019, Louisiana insurance premiums were 60% or $831 above the average rate in the U.S. Last year, the average rate for insurance was $1,114 for a six-month premium. One of the reasons car insurance is expensive in Louisiana is the state's location. Because of Louisiana's proximity to the Gulf of Mexico and its history of major floods, car insurance companies see the area as "high-risk" and charge more than the national average for car insurance.

What is Louisiana's minimum auto insurance?

The minimum auto insurance coverage in Louisiana requires $15K/$30K of bodily injury per person, per incident. The state also requires $25K in property damage per accident. If you have a loan or lease, you will also be required to carry comprehensive and collision coverage.

How much does car insurance cost in Louisiana cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Bossier City, Louisiana, and the most expensive in New Orleans, Louisiana.

RankCityAvg. Annual Premium
1New Orleans$3,735
2Kenner$2,967
3Metairie$2,907
4Baton Rouge$2,855
5Alexandria$2,542
6Monroe$2,426
7Lafayette$2,400
8Lake Charles$2,325
9Shreveport$2,194
10Bossier City$2,034

 

Recent Questions:

Are there car insurance companies that don't use credit?

Outside of the states of California, Hawaii, and Massachusetts, which do not allow credit to be used in insurance pricing, most companies will use credit to determine your rate. You might consider speaking with a local agent in your area about where you can find a company that doesn't use credit, but it may be difficult or even impossible to find a provider in your area.
Mar 24, 2017 Natchitoches, LA

Does The Zebra offer quotes in every state?

Our website is live in all 50 states and designed to help shoppers save time by showing multiple options regardless of state to point them to their best option. We also have an in-house agency that is live in 9 states and we are constantly expanding our footprint to provide more options for people in more states.
May 4, 2016 Baton Rouge, LA

If an accident does not show up on my MVR, will my insurance company still charge me for the accident?

It may still be listed on your CLUE report if the accident was reported to insurance, but there is a chance that the accident may not yet be listed on your report. It's also possible that there could have been a clerical error and it never got listed.
Oct 21, 2016 Lake Charles, LA

If I'm on social security can that lower my car insurance

Unfortunately, your income isn't a rating factor for your car insurance. While there are some programs for low-income drivers, that might help you, I don't know any based in Louisiana.
Jun 16, 2018 Matairie, LA

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.