Car Insurance in Louisiana
- Southern Farm Bureau offers the cheapest full coverage in Louisiana
- Compare the cheapest car insurance quotes in LA from Progressive, Allstate, Liberty Mutual and Nationwide (+other top companies)
Car insurance quotes in Louisiana
Louisiana car insurance costs $1,635 on average. This is 51% more expensive than the U.S. national average.[1] It's likely because of these extreme average rates that 38% of Zebra customers in Louisiana used our service because they feel they are paying too much for their current car insurance policies.[2]
Auto insurance rates are influenced by various factors, such as a driver's age and driving record. To help you secure an affordable policy, The Zebra's experts have analyzed the average car insurance rates in Louisiana based on these key rating factors. Read on to learn how much auto insurance costs in Louisiana based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.
- Southern Farm Bureau offered the cheapest full insurance coverage in Louisiana at $197/mo.
- See the other cheapest full coverage insurance companies and best discounts in LA ↓
- GEICO offered the cheapest liability insurance coverage in Louisiana at $54/mo.
- See the other cheapest liability coverage insurance companies in LA ↓
- Of the insurance companies that operate in Louisiana, Shelter received the highest score in the Southeast region from J.D. Power's Auto Insurance Study.[3]
- Read about the rest of the top and best companies in LA ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in Louisiana to name GEICO as the best overall company for Louisiana drivers.
- Read more about why we consider GEICO a good choice for most Louisianans ↓
Cheap full coverage insurance in Louisiana
Full coverage car insurance in Louisiana costs $1,635 for a six month policy. 64% of our Louisiana customers choose full coverage for their vehicles.Â
Although full coverage is significantly more expensive than liability-only insurance in Louisiana, The Zebra generally advises adding comprehensive and collision coverage if your vehicle is valued at $4,000 or more. Liability-only insurance won't sufficiently protect you from the financial impact of accidents, theft, vandalism, or weather-related damage.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Southern Farm Bureau | $1,183 | $197 |
| USAA | $1,294 | $216 |
| GEICO | $1,378 | $230 |
| Safeway | $1,534 | $256 |
| Progressive | $1,641 | $274 |
| State Farm | $2,168 | $361 |
| Allstate | $2,851 | $475 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Zebra Tip: Search out these car insurance discounts
- Payment options: Paid-in-full, advance purchase, automatic payments
- Driver discounts:Â Good driver, good student, homeowner, bundling, military
- Vehicle discounts:Â Anti-theft devices, telematics, new vehicle
Cheap liability insurance in Louisiana
Liability coverage in Louisiana will cost you about $557 for a six-month policy. This is marginally cheaper than full coverage, but will leave gaps in protection. Only 36% of Louisiana drivers opt for minimum coverage.
In order to drive legally in the state of Louisiana, you must carry at least the minimum liability limits of 15/30/25, meaning $15,000 of bodily injury coverage per person, $30,000 per accident, and $25,000 of property damage coverage. The table below shows average rates from top Louisiana companies for state minimum coverage.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $325 | $54 |
| Southern Farm Bureau | $406 | $68 |
| USAA | $427 | $71 |
| Progressive | $492 | $82 |
| State Farm | $614 | $102 |
| Safeway | $667 | $111 |
| Allstate | $811 | $135 |
Source: The Zebra
Zebra tip: Is the required liability insurance in Louisiana enough?
With the especially low minimum requirements of 15/30/25, Louisiana state requirements do not provide enough coverage for most drivers. The Zebra recommends carrying limits of 50/100/50 if possible, and opting for full coverage if it's in your budget.Â
Renata Balasco — Licensed insurance advisor and senior content specialist at The Zebra
Updating data...
| Company | Liability coverage | Full coverage |
|---|---|---|
| GEICO | $325 | $1,378 |
| Southern Farm Bureau | $406 | $1,183 |
| USAA | $427 | $1,294 |
| Progressive | $492 | $1,641 |
| State Farm | $614 | $2,168 |
| Safeway | $667 | $1,534 |
| Allstate | $811 | $2,851 |
Source: The Zebra
Find the best coverage and price in Louisiana with The Zebra.
What are the best car insurance companies in Louisiana?
We ranked GEICO as the top car insurance provider in Louisiana, drawing on consumer reviews, third-party ratings from sources like J.D. Power and AM Best, as well as details on discounts and coverage options. Below, you'll find the pros and cons of GEICO, along with other highly-rated insurers in Louisiana.
Though competition is stiff, GEICO is our top choice for car insurance providers in Louisiana. GEICO offers consistent and competitive car insurance rates, plenty of coverage options and discounts, and positive reviews from the Zebra Customer Satisfaction Survey.[4]
-
Affordable rates in an otherwise expensive state
-
Robust list of coverage options
-
Several other insurance products available, making way for bundling opportunities.
-
Few physical offices for those who prefer in-person interactions
-
Above average number of customer complaints reported to the NAIC
Best car insurance in Louisiana — honorable mentions
Although GEICO earned the top spot, these other insurers also performed strongly. Our rankings are based on cost, ratings from the J.D. Power auto insurance survey, and insights from The Zebra's Customer Satisfaction Survey.
How did we pick what company has the "Best Value" in Louisiana?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Louisiana
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Car insurance price trends in Louisiana
After hitting a peak in 2021, car insurance rates in Louisiana have remained relatively stable, but they’re still among the highest in the nation. Several factors contribute to this, including general inflation, the state's severe weather conditions, and high accident rates. Additionally, many Louisiana drivers opt for minimal car insurance coverage, often turning to litigation after an accident. Insurers typically settle these lawsuits quickly, which then prompts them to raise rates, driving up premiums for everyone.[5]
| Year | Avg. Annual Premium — Louisiana | Yearly Change — Louisiana |
|---|---|---|
| 2024 | $2,793 | $197 |
| 2023 | $2,596 | -$106 |
| 2022 | $2,702 | -$563 |
| 2021 | $3,265 | $961 |
| 2020 | $2,304 | $42 |
| 2019 | $2,262 | -$106 |
| 2018 | $2,368 | $572 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Overpaying for car insurance? Compare quotes to discover how much you can save.
Louisiana auto insurance quotes after an accident or ticket
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. In Louisiana, an at-fault accident in recent years could see your car insurance rates increase by $1,481 per year.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Southern Farm Bureau | $1,394 | $232 |
| USAA | $1,878 | $313 |
| Safeway | $1,890 | $315 |
| GEICO | $2,222 | $370 |
| State Farm | $2,632 | $439 |
| Progressive | $2,678 | $446 |
| Allstate | $3,745 | $624 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
While you hope to never need your insurance, a seamless claims process is essential when the time comes. In J.D. Power's Claims Satisfaction Study, Amica earned the highest marks in the nation.[6] Available in Louisiana, Amica is a great choice for drivers who value a smooth claims process.
Any violations on your driving record can lead to a significant increase in your insurance premiums. Even if the accident wasn't your fault, your insurer now considers you a higher risk. The more severe the infraction, the greater the rate hike you'll experience.
Take a look at the table below to see average rate increases based on different types of violations.
Source: The Zebra
The Zebra's guide to Louisiana car insurance laws for high-risk drivers
If you have violations such as reckless driving or a DUI, you'll need to adjust your insurance policy accordingly.
Check out our guide on Louisiana's car insurance requirements for more information. You can also find quick explanations on how DUIs and SR22s impact your insurance below.
Louisiana DUI laws
In Louisiana, a DUI offense can increase your annual car insurance premium by an average of $2,860. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Louisiana
If you're convicted of a DUI or DWI violation in Louisiana, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Louisiana, Southern Farm Bureau, advertises annual rates 55% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Louisiana is Safeway, while the priciest firm is Allstate.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Southern Farm Bureau | $1,386 | $231 |
| Safeway | $2,019 | $337 |
| USAA | $2,061 | $344 |
| Progressive | $2,332 | $389 |
| State Farm | $3,050 | $508 |
| GEICO | $3,121 | $520 |
| Allstate | $3,451 | $575 |
Source: The Zebra
Louisiana SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Louisiana to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Louisiana might require some research, but it could pay off in the end.
Â
How to acquire an SR-22 in Louisiana
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company and ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
Â
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
Â
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find your best value insurance match with The Zebra.
Cheap auto insurance for teens and young drivers in Louisiana
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 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. In Louisiana, teen drivers pay especially high rates: $10,726 per year — that's $4,197 more than the nationwide average and over three times as much as a typical Louisiana driver.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Southern Farm Bureau | $3,156 | $526 |
| Safeway | $3,444 | $574 |
| USAA | $3,679 | $613 |
| GEICO | $4,051 | $675 |
| Allstate | $6,579 | $1,096 |
| State Farm | $7,339 | $1,223 |
| Progressive | $8,723 | $1,454 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Safeway | $3,659 | $610 |
| Southern Farm Bureau | $3,866 | $644 |
| GEICO | $4,998 | $833 |
| USAA | $5,717 | $953 |
| Allstate | $7,589 | $1,265 |
| State Farm | $10,224 | $1,704 |
| Progressive | $12,010 | $2,002 |
Source: The Zebra
Car insurance in popular Louisiana cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Shreveport, Louisiana, and the most expensive in New Orleans, Louisiana.
Have a look at the table below to see average car insurance costs in some of Louisiana's biggest cities.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Shreveport | $1,513 | $252 |
| Lafayette | $1,699 | $283 |
| Baton Rouge | $1,917 | $320 |
| Metairie | $1,960 | $327 |
| New Orleans | $2,511 | $418 |
Source: The Zebra
Louisiana car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Louisiana auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 Auto Insurance Study. J.D. Power
2024 Customer Satisfaction Survey. The Zebra
The 4 big reasons Louisiana's car insurance rates are so high. KPEL
2023 U.S. Auto Claims Satisfaction Study. J.D. Power
Related content
- Car Insurance with a DUI in Louisiana
- Average Cost of Car Insurance in Louisiana
- Lafayette, LA Car Insurance
- Car Insurance for High-Risk Louisiana Drivers
- Shreveport, LA Car Insurance
- Car Insurance in Baton Rouge, LA
- Car Insurance in New Orleans, LA
- Louisiana Car Insurance Laws
- Temporary Car Insurance in Louisiana
RECENT QUESTIONS
Other people are also asking...
What should I do with my car insurance after I pay off my car loan?
Do I have to list my spouse on my policy if she isn't driving?
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 editorial 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.