A note from our editor: Are you looking for auto insurance for the very first time? Or are you trying to lower your monthly insurance premiums by shopping around for insurance companies? This article is a good place to start your research on car insurance. While you won’t see the exact rates we found, you can get an idea of which insurers offer the lowest premiums in your state.
Louisiana is a state with a lot of things to see and do. From the French Quarter, to the Old State Capitol. It’s vital to protect your vehicle.
We have estimated the average price of car insurance in Louisiana. We also found the best car insurers for different driver profiles and needs.
The calculations are based upon a minimum level of coverage and a driver profile that is relatively neutral — without accidents, tickets, or claims — in order to compare rates fairly (see the full methodology). Your rates may vary depending on your driving record and other factors such as your age, your vehicle type, your mileage, and your coverage options.
Learn about the average auto insurance rates in Louisiana and how to find the lowest prices.
Cost of auto insurance in Louisiana
The average monthly premium for auto insurance in Louisiana can range anywhere from $100 to $245 depending on the coverage type and driving profile.
Average monthly car insurance premiums in Louisiana
|
Driver coverage |
Avg. Monthly cost |
|---|---|
| Louisiana minimum auto insurance requirements | $105.00 |
| Louisiana drivers with bad credit | $200.65 |
| Louisiana drivers with multiple claims | $245.35 |
| Young drivers in Louisiana | $172.90 |
Based upon our standard driver profile, minimum coverage and unless otherwise stated
Five cheapest auto insurance companies in Louisiana
Geico has the lowest rates for car insurance in Louisiana, and this is true for nearly every driver profile that we tested. These rates are based on the Louisiana driver profile described in our methodology to compare insurers fairly and give a good idea of average costs. Except where otherwise stated, the characteristics are a credit score between 680 and 719, a driver aged 36 to 45, no tickets, gaps in coverage, or a car worth $20,000 to $30,000. Our calculations are based on the minimum coverage unless otherwise stated. We’ve calculated the lowest rates for different drivers based on their credit scores, age and other characteristics. Continue reading for more details.
1. Geico
Geico can offer basic auto insurance to our Louisiana driver profile for as little as $46,92 per month. Geico provides standard coverage options like bodily injury and property damage liability, and optional add-ons like medical payments, collision, comprehensive and uninsured/underinsured motorist coverages. Geico offers a variety of discounts, including those for driving affiliations, driver education and loyalty, safety gear, and driving habits.
Geico reviews are available.
2. USAA
Our Louisiana driver could get a monthly minimum coverage policy with USAA for as low as $73.95. For our driver to qualify for USAA car insurance, he or she would need to be a USAA Member. This is open to U.S. Military members, their spouses, and children who are USAA Members. USAA provides optional coverages like collision, comprehensive, and uninsured driver in addition to the state minimums. It offers discounts when you bundle policies and vehicles together, are a good student or set up automatic payments. The company offers military members a variety of options, including discounts for parking your vehicle on base or flexible payment plans.
Reviews of USAA auto insurance are available.
3. Southern Farm Bureau
Southern Farm Bureau would be able to offer a Louisiana driver profile an insurance policy with basic coverage for around $79.19 a month. Southern Farm Bureau, headquartered in Mississippi, sells policies via local agents. They offer car, ATV and motorcycle insurance, as well as camping trailer, RV and camping trailer. Southern Farm Bureau offers a phone app for tech-savvy customers. It allows them to access their account information, make a claim, get in touch with an agent, and request roadside assistance. App users can also access Farm Bureau’s rewards program for deductibles.
4. State Farm
State Farm’s network of over 19,000 agents could provide our Louisiana driver profile with a basic policy as low as $101,17 per month. You can choose from optional coverages such as collision, comprehensive coverage, liability coverage, uninsured driver coverage, car rental coverage, and travel expenses. Discounts include those for accident-free driving, defensive driving courses, good students, anti-theft equipment and vehicle safety.
State Farm auto insurance reviews.
5. Allstate
Allstate can offer our Louisiana driver profile an affordable minimum coverage policy starting at $108.31 per monthly. There are also a variety of discounts for having anti-lock breaks and anti-theft devices, driving safely, and making choices such as setting up automatic withdrawals or going paperless.
Allstate auto insurance reviews are available.
Cheapest minimum state car insurance in Louisiana
Louisiana drivers are required to carry 15/30/25 insurance coverage in order to legally register their vehicle and drive it. This coverage is the state minimum and usually the least expensive.
Below are the companies that offer the lowest rates to drivers who want the minimum coverage required by their state.
5 Cheapest Car Insurance Companies in Louisiana that offer State Minimum Coverage
|
1 |
Geico | $46.92/month |
|
2 |
USAA | $73.95/month |
|
3 |
Southern Farm Bureau | $79.19/month |
|
4 |
State Farm | $101.17/month |
|
5 |
Allstate | $108.31/month |
Based upon our standard driver profile in Louisiana
Cheapest auto insurance for Louisiana residents with good credit
The rates that you pay for car insurance are affected by several factors. Your credit score is one of these factors. Drivers with good credit typically pay lower premiums for car insurance than those with bad credit.
The companies that offer the lowest rates for basic coverage to drivers with good credit are listed below.
Five of the cheapest auto insurance companies in Louisiana that accept good credit
|
1 |
Geico | $41.45/month |
|
2 |
USAA | $65.88/month |
|
3 |
Southern Farm Bureau | $67.69/month |
|
4 |
State Farm | $68.78/month |
|
5 |
Automobile Club of Missouri | $80.42/month |
Based upon our standard driver profile and adjusted to show basic coverage for Louisiana drivers with credit scores of 720 or more
Cheapest auto insurance for bad credit in Louisiana
Poor credit drivers often pay higher premiums each month. There are ways to keep your insurance costs down, even if you have a low credit score. For example, maintaining a safe driving record and claiming all discounts that you qualify for.
The five companies below offer the lowest rates for basic coverage to drivers with bad credit.
5 Cheapest Car Insurance Companies in Louisiana for People with Poor Credit
|
1 |
Geico | $57.73/month |
|
2 |
Allstate | $126.75/month |
|
3 |
USAA | $127.60/month |
|
4 |
Safeway | $140.33/month |
|
5 |
Southern Farm Bureau | $147.89/month |
Based upon our standard driver profile and adjusted to show basic coverage for Louisiana drivers with credit scores below 580
Cheapest auto insurance in Louisiana for drivers who have multiple claims
You may also pay more for insurance if you have a history of claims. Drivers with a history of insurance claims will usually pay higher premiums.
Five companies offer the lowest rates for minimum coverage when it comes to drivers who have multiple insurance claims.
5 Cheapest Car Insurance Companies in Louisiana for Multiple Claims
|
1 |
Southern Farm Bureau | $105.31/month |
|
2 |
Geico | $115.84/month |
|
3 |
State Farm | $174.71/month |
|
4 |
Allstate | $183.23/month |
|
5 |
USAA | $199.89/month |
Based upon our standard driver profile and adjusted to show basic coverage for a Louisiana motorist with two claims rather than zero claims
Cheapest auto insurance for young drivers in Louisiana
Your age will affect the cost of your car insurance for a while. Insurance companies view younger drivers as more risky, so they tend to charge higher rates for policies that include drivers under the age of 25.
Below are the companies that offer the lowest rates estimated for drivers aged between 18 and 21 years old who want minimum coverage.
Five cheapest auto insurance companies for young drivers in Louisiana
|
1 |
Geico | $81.17/month |
|
2 |
USAA | $117.08/month |
|
3 |
Allstate | $146.77/month |
|
4 |
Southern Farm Bureau | $149.39/month |
|
5 |
State Farm | $156.00/month |
Based upon our standard driver profile and adjusted to show basic coverage for an 18-21 year old Louisiana driver instead of a 36-45 year old
Louisiana auto insurance requirements
Louisiana’s requirements for bodily injury liability are $15,000 per person, and $30,000 minimum per accident. Property damage liability is also $25,000 in Louisiana. Your coverage obligations will be greater if you have a loan or a lease on a vehicle.
Is usage-based coverage available in Louisiana?
A usage-based policy is a form of car insurance that lets customers pay premiums according to their driving habits. Louisiana drivers can save money with their insurance company’s UBI program by recording safe driving behaviors.
FAQs on the lowest car insurance rates in Louisiana
What is the minimum car insurance coverage in Louisiana?
Louisiana drivers are required to have 15/30/25 coverage for liability. This means that they must be insured at least for bodily injury liability of $15,000 per person, $30,000 per accident and $25,000 property damage liability.
Is Louisiana a no-fault state?
Louisiana is a state that considers you to be at fault for any accidents. If this happens, your insurance company will cover the financial losses incurred by others. Louisiana, however, is a state that has a “no pay, no play” policy, which means uninsured motorists are restricted in what they can claim, regardless of who caused the accident.
What is the fine for driving without insurance in Louisiana?
Louisiana fines for driving without insurance range from $500 to $1,000. Your driving privileges could be suspended, and your car may also be impounded. You might have your registration revoked, or your license plates canceled.
Methodology
These rates are based on a profile of a 36-45 year old driver living in Louisiana. The rates shown assume that there is only one driver on the policy, with no traffic tickets and no coverage lapses. This estimate assumes that the vehicle is worth between $20,000 to $30,000, and has a mileage of 12,000-15,000 per year. The estimated rates for insurance with good credit are based on scores above 720. Insurance rates are estimated for those with scores between 350 and 579. The estimated rates for young drivers are those aged 18 to 21. The estimated rates for multiple claims are based on the first two claims.
Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies when calculating its rates. These are only estimates meant to be used as a comparison tool and a reference. Rates may vary based on factors like age, driving habits and history.
The average monthly premium includes coverages for bodily injury, property damages, uninsured drivers, personal injury protection and collision and comprehensive. The average monthly cost of state-minimum auto insurance in Louisiana includes the 15/30/25 policy.