Cheap Louisiana Car Insurance

Compare the best rates from 3 car insurance companies in Louisiana.

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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.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Louisiana?
RankCompany NameAvg. Annual Premium
1USAA$1,610
2MetLife$1,873
3GEICO$1,926
4Progressive$1,966
5Safeway$2,176
6Southern Farm Bureau$2,226
7Cal Casualty$2,292
8State Farm$2,407
9Safe Auto$2,601
10Allstate$3,005
11Encompass$3,202
12Liberty Mutual$3,682

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Cheap 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 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 Car 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%

What are the Best Car Insurance Companies in Louisiana?

Every car insurance company emphasizes its low costs. But as with any service, the cheapest 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.

Review local and national auto insurance companies' financial strength and claims satisfaction levels to better understand the level of service you'll receive. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Poor" to "Superior" — assesses an insurer's financial stability and ability to meet its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
Cal CasualtyNot RatedExcellent
EncompassNot RatedSuperior
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Progressive3Superior
SafewayNot RatedExcellent
Southern Farm BureauNot RatedSuperior
State Farm3Superior
USAA5Superior

 

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What is the Best Auto Insurance Coverage in Louisiana?

The minimum insurance requirement in Louisiana is $15,000 Bodily Injury per person, $30,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

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.

Compare average rates for liability-only versus comprehensive coverage tiers below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Louisiana$1,338.74$2,058.85$2,228.43
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Louisiana

In Louisiana, the state minimum coverage requirement is liability with limits of:
  • 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

Liability coverage is legally required in Louisiana and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Louisiana, the minimum is listed as 15/30/25 and explained below:

  • $15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Louisiana but higher coverage amounts are available with most companies.

Louisiana Auto Insurance FAQs

Why is car insurance so expensive in Louisiana?

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.

How long you can go without car insurance in Louisiana?

This is a difficult question to answer. If you have an established car insurance policy and have recently purchased a new vehicle, coverage may transfer to the new vehicle for a short period of time — typically two to four weeks. However, if you do not have an established policy and you're driving uninsured, you can be ticketed at any time. Even if you've been insured for one day, the penalty is the same if you've been driving uninsured for years.

When should you add children to car insurance in Louisiana?

If your children are licensed and will be driving your vehicle, you should add them to your insurance policy.

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 Ruston, Louisiana, and the most expensive in New Orleans, Louisiana.

RankCityAvg. Annual Premium
1New Orleans$3,686
2Harvey$3,354
3Kenner$3,042
4Metairie$2,975
5Baton Rouge$2,766
6Central$2,678
7Prairieville$2,668
8Slidell$2,546
9Marrero$2,519
10Alexandria$2,510
11Terrytown$2,505
12Hammond$2,443
13Lafayette$2,360
14Monroe$2,333
15Houma$2,292
16New Iberia$2,247
17Lake Charles$2,232
18Bayou Cane$2,214
19Sulphur$2,176
20Shenandoah$2,161
21Shreveport$2,135
22Laplace$2,011
23Bossier City$1,980
24Natchitoches$1,954
25Ruston$1,921

Recent Louisiana Car Insurance Questions and Answers

My insurance company held me 10% responsible for not taking “evasive action.” Will the 10% charge likely cause a higher rate elsewhere?

My car was totaled after being struck broadside by a vehicle that ran a stop sign. I was not charged, ...

AUG 12, 2019
|
NEW ORLEANS, LA
Can my ex-husband insure my car in his name or on his policy?

My license is flagged due to no insurance. My insurance is $503 for 1 vehicle so I couldn’t afford it. ...

JUL 08, 2019
|
BATON ROUGE, LA
Can I get car insurance with a state ID in Louisiana?

I’m not sure of the status of my license currently, but I need car insurance....

MAY 19, 2019
|
METAIRIE, LA
Could my parents’ premium increase if I reported an accident to the insurance company but decided to repair the car out of pocket?

While in Louisiana on a drive from New York to Texas, I hit a huge object (an 18-wheeler tire). It ...

MAY 07, 2019
|
OTISVILLE, NY

Driving Laws

Louisiana Texting and Driving Laws

  • Ban on hand-held cell phones for Learner or Intermediate License (regardless of age)
  • Ban on all cell phones for school bus drivers, 1st year of License, and drivers <18 years old
  • Ban on text messaging for all drivers

Louisiana DUI Laws

The lookback period in Louisiana is 10 years. Repeated DWI offenses within this time period will result in harsher penalties and fines. First and second offenses are deemed misdemeanors. Subsequent offenses will be considered felonies.

Drivers whose BAC is 0.20% or higher are subject to enhanced fines and penalties as well.

A DWI leading to the death of another can result in the offender spending up to 30 years in prison, in addition to enhanced fines and penalties.

First-time DWI offenses in Louisiana lead to:

  • Up to six months in jail
  • Up to $1,000 in fines, plus court costs
  • License suspension for one year

How Do Tickets Impact Car 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 Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Louisiana area, while also getting an insider view of the Pelican State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

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