Cheap Louisiana Car Insurance

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

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

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%.

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.

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.

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. 

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.

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.

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.