Car Insurance in Louisiana
- GEICO has the cheapest full coverage at $234/mo.
- GEICO offers the cheapest liability at $56/mo.
Enter your ZIP code to start your search for Louisiana car insurance:
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- 5 years of experience in the insurance industry
Car insurance quotes in Louisiana
If you're shopping around for car insurance quotes in Louisiana, you may see some high rates. On average, Louisiana car insurance costs $1,866 — 60% more expensive than the U.S. national average.[1] However, just because you live in the Bayou State doesn't mean you'll pay these rates. Factors like age and driving history can impact your premiums.
Our data shows that 38% of Louisianans feel they're overpaying for car insurance, which is no surprise given the state's high average insurance cost.[2] Despite that, many are willing to pay a premium for better coverage and customer service.
Want to know what you'll pay? Keep reading to find out what you can expect to pay, or enter your ZIP code above for free quotes from top insurers in Louisiana.
Cheapest full coverage in LA
- GEICO offers the cheapest full coverage in Louisiana at $234/mo.
Cheapest liability coverage in LA
- GEICO offers the cheapest liability coverage in Louisiana at $56/mo.
Best customer service in LA
- Nationwide scored a 691 in JD Power's 2026 study — the highest in Louisiana.[3]
Cheapest full coverage insurance in Louisiana
The average cost of full coverage car insurance in Louisiana is $1,866 for a 6-month policy.[1] Based on our standard user profile, GEICO offers the cheapest full coverage insurance options in Louisiana.
Even though full coverage costs significantly more than liability-only insurance, including collision and comprehensive coverage is recommended to protect your vehicles against accidents, theft, vandalism, and weather-related damage.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $1,403 | $234 |
| USAA | $1,506 | $251 |
| Safeway | $1,512 | $252 |
| Safe Auto | $1,883 | $314 |
| State Farm | $2,134 | $356 |
| Automobile Club of Missouri | $2,137 | $356 |
| Encompass | $2,215 | $369 |
| Progressive | $2,678 | $446 |
| Allstate | $3,553 | $592 |
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.
Based on our data, 64% of Louisiana drivers carry full coverage instead of state-mandated minimum coverage.[2] Louisiana requires minimum liability limits of 15/30/25. Learn more about car insurance requirements in the state of Louisiana with our helpful guide.
When you're getting a quote, ask about the following discounts to help offset higher than average premiums in the Bayou State:
- Payment options: Paid-in-full, advance purchase, automatic payments
- Driver discounts: Good driver, good student, homeowner, bundling, military
- Vehicle discounts: Anti-theft devices, telematics, new vehicle
Drew Pitt, Insurance writer at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $505 | $1,506 |
| State Farm | $650 | $2,134 |
| Southern Farm Bureau | $459 | $1,391 |
| Safeway | $709 | $1,512 |
| Progressive | $958 | $2,678 |
| MetLife | $1,401 | $2,154 |
| GEICO | $337 | $1,403 |
| Encompass | $1,056 | $2,215 |
| Automobile Club of Missouri | $513 | $2,137 |
| Allstate | $1,012 | $3,553 |
Source: The Zebra
What are the best car insurance companies in Louisiana?
We ranked Nationwide 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.
Add another auto insurance company to the tool below to see how it stacks up against our pick.
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Cheapest liability insurance in Louisiana
Liability coverage in Louisiana costs an average of $672 for a six-month policy.[1] This is significantly cheaper than full coverage, but will leave gaps in protection. Only 36% of Louisiana drivers opt for minimum coverage.
If you're searching for the most affordable liability coverage in Louisiana, start by looking at GEICO. They're known to offer some of the lowest rates in the state.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $337 | $56 |
| USAA | $505 | $84 |
| Automobile Club of Missouri | $513 | $86 |
| State Farm | $650 | $108 |
| Safeway | $709 | $118 |
| Safe Auto | $730 | $122 |
| Progressive | $958 | $160 |
| Allstate | $1,012 | $169 |
| Encompass | $1,056 | $176 |
Source: The Zebra
Local insights
Drivers near you in Louisiana chime in
"For us, Progressive is by far the cheapest rate. I’ve priced large and small companies. We just have liability 100/300, not comprehensive. About $69 per month per car for 3 cars."
-Reddit user on r/Louisiana
"Living in New Orleans, make sure you have comprehensive coverage and uninsured motorist coverage. Flooding, storms, and uninsured drivers are pretty common risks here, so those coverages can save you a lot of trouble later."
-Reddit user on r/Louisiana
Find the best coverage and price in Louisiana with The Zebra.
Car insurance in popular Louisiana cities
Car insurance companies calculate your rate based on several factors, and the location of the vehicle is one of the most impactful. The cheapest car insurance is found in Bossier City, 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 largest cities.
Source: The Zebra
Updating data...
Source: The Zebra
Real people. Real help. Right here.
Eric began his insurance career at The Zebra in 2020, starting in an unlicensed role assisting customers before earning his Property & Casualty licen…
Credentials
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Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
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- 7+ years insurance experience
Riliey brings 10 years of insurance experience, starting her career at a commercial brokerage before moving into personal lines at State Farm, where …
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- Licensed Insurance Agent — Life and Health
Louisiana auto insurance quotes after an accident or ticket
Your driving history plays a big part in how much you'll pay for car insurance in Louisiana. Auto insurance companies check for previous accidents to determine if you're a high-risk driver, so even a single accident can sharply increase your rate. Take a look at how much the average cost of coverage in Louisiana changes after an at-fault accident.
Updating data...
| Company | No violations | With at-fault accident |
|---|---|---|
| Allstate | $3,495 | $4,517 |
| Automobile Club of Missouri | $2,111 | $3,310 |
| USAA | $1,328 | $1,930 |
| Safeway | $1,528 | $1,884 |
| GEICO | $1,387 | $2,232 |
| MetLife | $1,948 | $3,190 |
| Safe Auto | $1,886 | $2,637 |
| State Farm | $2,084 | $2,515 |
| Southern Farm Bureau | $1,420 | $1,669 |
| Encompass | $2,201 | $3,450 |
| Progressive | $1,657 | $2,672 |
Source: The Zebra
Source: The Zebra
The Zebra's guide to Louisiana car insurance laws for high-risk drivers
Louisiana drivers with serious infractions like a DUI or reckless driving charge, face more than just fines. These infractions cause insurance companies to view them as high-risk drivers. This can lead to steep premium increases, policy cancellations, and difficulty finding coverage.
Knowing Louisiana's car insurance requirements is crucial for maintaining legal compliance while on the road. Our comprehensive guide lays out the essentials of auto insurance in Louisiana, from mandatory coverage to the penalties for non-compliance, to help you navigate the complexities of high-risk auto insurance.
Louisiana DUI laws
In Louisiana, a DUI offense can increase your by a significant amount. In fact, a DUI causes a bigger premium increase than any single road violation — including at-fault accidents, 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, take some time to carefully consider your options. Auto insurance premiums following a DUI vary significantly by insurer. Check out the following table to see average rates that top insurers offer drivers with a DUI in Louisiana:
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Safeway | $2,012 | $335 |
| Progressive | $2,187 | $365 |
| Safe Auto | $2,637 | $439 |
| USAA | $2,656 | $443 |
| State Farm | $2,905 | $484 |
| Automobile Club of Missouri | $3,068 | $511 |
| GEICO | $3,124 | $521 |
| Allstate | $4,172 | $695 |
| Encompass | $11,646 | $1,941 |
Source: The Zebra
Louisiana SR-22 insurance
After a violation like a DUI conviction, driving without insurance, driving with a suspended license, getting too many points on your license, or an at-fault collision, you may be required to add an SR-22 to your insurance policy. An SR-22 is a form that your insurance company files with the state of Louisiana to verify that you remain insured.
Finding affordable auto insurance with an SR-22 in Louisiana may take more time than usual, but could end up saving you a lot.
How to acquire an SR-22 in Louisiana
For currently insured drivers
If you currently have auto insurance, adding an SR-22 certificate to your policy is simple. Reach out to your car insurance company and ask them to file an SR-22 request. If they are not willing to file this request, you'll need to search for a new insurer.
For uninsured drivers
When you file for a new policy with an SR-22 requirement in place, you may have to pay an up-front fee to cover your high-risk driving profile and the SR-22 request. Some insurers may not offer you a policy while you have an SR-22, while others are happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it harder to obtain an SR-22, as you need to provide proof of insurance to get the certificate. In this situation, you can buy a non-owners car insurance policy prior to filing an SR-22 request. Non-owners doesn't protect against material damage to your vehicle, so it tends to be cheaper than traditional coverage.
Find your best value insurance match with The Zebra.
How have car insurance costs in Louisiana changed?
Louisiana's car insurance market has been a bit of a rollercoaster over the past decade, with premiums changing due to economic conditions, evolving risks, and regulatory changes. Rates have seen significant increases, such as the $963 average annual premium uptick between 2020 and 2021, and major drops, like the $563 annual premium decrease between 2021 and 2022.
In general, the cost of car insurance in Louisiana has gone up over the past decade. However, people who shopped around were better able to take advantage of occasional rate dips to save money on car insurance:
| Year | Avg. Annual Premium — Louisiana |
|---|---|
| 2026 | $3,269 |
| 2025 | $3,438 |
| 2024 | $2,793 |
| 2023 | $2,596 |
| 2022 | $2,702 |
| 2021 | $3,265 |
| 2020 | $2,304 |
| 2019 | $2,262 |
| 2018 | $2,368 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Louisiana car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Louisiana auto insurance.
-
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
-
2025 Auto Insurance Study. J.D. Power
2025 Auto Insurance Study. J.D. Power
-
House Bill No. 434 Louisiana State Legislature
House Bill No. 434 Louisiana State Legislature
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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.
