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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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?
Rank Company Name Avg. Annual Premium
1 Southern Farm Bureau $1,636
2 USAA $1,856
3 MetLife $1,873
4 State Farm $2,163
5 Cal Casualty $2,292
6 Progressive $2,336
7 GEICO $2,931
8 Safe Auto $2,972
9 Allstate $3,415
10 Metropolitan $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 $441 17.10%
No Accidents $973 31.24%
Good Credit $1,739 44.83%

 

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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $3,113 31.24%
DUI $3,242 33.99%
Speeding Violation $2,582 17.10%
Bad Credit $3,880 44.83%

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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)

Allstate Average Average Superior 4.3 / 5
Cal Casualty N/A N/A Good N/A
GEICO Average Average Superior 4.4 / 5
Liberty Mutual Average Above average Good 4.2 / 5
MetLife N/A Below Average Excellent N/A
Progressive Below average Below average Excellent 4.3 / 5
Safe Auto N/A N/A N/A N/A
Southern Farm Bureau N/A N/A Superior N/A
State Farm Above average Above average Superior 4.5 / 5
USAA Excellent Excellent Superior 4.6 / 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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $3,505 50% $1,166
Refused Breathalyzer/Chemical Test $3,421 46% $1,082
DUI $3,421 46% $1,082
Racing $3,505 50% $1,166
Reckless Driving $3,505 50% $1,166
Driving with a Suspended License $3,518 50% $1,179
At-Fault Accident $3,330 42% $991
Driving with an Open Container $3,145 34% $807
Operating a Vehicle Without Permission $3,137 34% $799
Passing a School Bus $2,849 22% $511
Improper Passing $2,849 22% $511
Following Too Closely $2,849 22% $511
Speeding $2,855 22% $517
Failure to Stop at a Red Light $2,849 22% $511
Illegal Turn $2,849 22% $511
Driving Wrong Way/Wrong Lane $2,806 20% $468
Failure to Yield $2,849 22% $511
Speeding in a School Zone $2,815 20% $477
Driving Too Slowly $2,815 20% $477
Distracted Driving $2,685 15% $347
Driving with Expired Registration $2,507 7% $169
Failure to Show Documents $2,507 7% $169
Not-at-Fault Accident $2,364 1% $25
Failure to Use Child Safety Restraint $2,507 7% $169
Failure to Wear a Seat Belt $2,469 6% $130
Driving Without Lights $2,507 7% $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.

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

 

RECENT QUESTIONS

What happens if you can't afford full coverage on a financed vehicle?

Sorry to hear about the situation. Rates for 18-year-olds tend to be high to begin with.
Jun 25, 2020 New Orleans, LA

May I get insurance with another person different last names?

Yes, you can add anyone to your insurance policy that will be driving your vehicle or that has regular access to your vehicle. In fact, you're required to add anyone that will be driving your vehicle or any vehicle listed on your policy.
Jan 9, 2019 Riverridge, LA

Do I have to list my spouse on my policy if she isn't driving?

Your spouse must be listed on your insurance policy regardless of driving status. Since insurance is all about properly rating risk, companies will require that your spouse be listed on your policy to know who they are and are not covering.
Feb 14, 2016 Lake Charles, LA

Is my insurance company responsible for balance after I've paid deductible?

Yes, if the damage is more than your deductible, then your insurance company should pay the remainder of the damages. There are some plans that will not transfer coverage to another vehicle but this is not common.
Sep 21, 2018 New Orleans, LA

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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.