Car Insurance for Good Drivers in Louisiana

The Zebra
July 15, 2019

Car insurance for good drivers in Louisiana

Many of the factors insurance companies use to set your car insurance rates lie beyond your control, including your gender, age, and location. There are, however, factors you can more easily alter in pursuit of low premiums.

To find affordable car insurance, try to keep your driving record cleaen, your credit score high, and your monthly driving mileage low. Car insurance companies are willing to provide price breaks to customers who present relatively little risk. Exhibiting as little risk as possible behind the wheel — and in everyday life — can result in more affordable rates.

See below example rates from top companies for low-risk customers in Louisiana.

Car insurance rates for drivers with no citations in Louisiana

One of the easiest ways to pay less for auto insurance is to keep your driving record clean. Auto insurance companies view good drivers as less risky customers and in turn, charge them lower premiums. Staying on the right side of the law is a great way to cut your insurance costs.

If you're citation-free, start your search for insurance with Southern Farm Bureau, offering an average annual premium of $1,989. That sums to $-91less than the average car insurance rate for citation-free drivers in Louisiana.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN LOUISIANA
Insurance CompanyAvg. Annual Auto Insurance Rate
Southern Farm Bureau$1,989
GEICO$2,124
Progressive$2,357
Safe Auto$2,607
State Farm$2,666
Metropolitan$3,216
Allstate$3,556
Encompass$3,901

Auto insurance rates for drivers with above-average credit in Louisiana

Auto insurance companies reward clients who maintain a solid credit history. If you have a credit score in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.

If you have a "good" credit score (670-739), your best option for car insurance might be Southern Farm Bureau, offering an average annual rate of $1,989. If your credit score is even better (in the "excellent" range), Progressive could be a good company with which to start your search. Progressive's premiums for clients who have credit scores of 800 or better are $197 per year less than the average car insurance rate for drivers with excellent credit in Louisiana.

Find below a breakdown of auto insurance rates in Louisiana for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN LOUISIANA
Insurance CompanyAvg. Annual Auto Insurance Rate
Southern Farm Bureau$1,989
GEICO$2,124
Progressive$2,357
Safe Auto$2,607
State Farm$2,666
Metropolitan$3,216
Allstate$3,556
Encompass$3,901

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN LOUISIANA
Insurance CompanyAvg. Annual Auto Insurance Rate
Southern Farm Bureau$1,989
GEICO$2,029
Progressive$2,058
Safe Auto$2,367
State Farm$2,444
Metropolitan$2,682
Allstate$3,494
Encompass$3,614

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN LOUISIANA
Insurance CompanyAvg. Annual Auto Insurance Rate
Progressive$1,759
GEICO$1,845
Southern Farm Bureau$1,934
Safe Auto$2,196
Metropolitan$2,214
State Farm$2,244
Allstate$3,319
Encompass$3,460

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Car insurance for low-mileage drivers in Louisiana

The fewer miles you drive, the less likely you are to file an insurance claim. At least that's what car insurance companies think. If you don't exceed the threshold of 7,500 miles per year, you’re likely to save some money on auto insurance each month. Exactly how much you'll save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a Louisiana driver who drives less than 7,500 miles per year, consider GEICO, which offers average annual savings of $31 for low-mileage drivers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN LOUISIANA
Insurance CompanyAvg. Annual Auto Insurance Rate
GEICO$1,867
Southern Farm Bureau$1,989
Progressive$2,357
State Farm$2,449
Safe Auto$2,607
Metropolitan$3,216
Allstate$3,556
Encompass$3,901

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Rates for good drivers in Louisiana — in major cities

Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Auto insurance companies price policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.

Find below a summary of auto insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Shreveport$2,290$2,290$2,001$1,749$2,212
Lafayette$2,401$2,401$2,099$1,831$2,304
Baton Rouge$2,762$2,762$2,415$2,107$2,644
Metairie$2,971$2,971$2,599$2,269$2,851
New Orleans$3,662$3,662$3,203$2,804$3,534

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