In a Nutshell
The average cost of car insurance in Louisiana varies based on individual circumstances such as credit, age, driving history and vehicle. We’ve crunched the data for several different driver profiles and found some of the lowest-cost insurers for drivers in the Pelican State.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
From the French Quarter to the Old State Capitol, Louisiana has a lot to explore. But it’s important to make sure your ride is protected.
We’ve estimated the average cost of car insurance in Louisiana and found some of the cheapest car insurers in the state for several driver needs and profiles, so you can be sure you’re not paying too much for the right coverage.
These calculations are based on minimum coverage for a relatively neutral driver profile — no accidents, tickets or claims, for example — to evenly compare and get a baseline view of insurers’ rates (see our full methodology). The rates you get may be higher or lower given your driving history and other factors that affect car insurance, like your age, vehicle type, mileage and coverage options.
Read on to learn about Louisiana’s average car insurance rates and our findings for the cheapest options.
- Cost of car insurance in Louisiana
- 5 cheapest car insurance companies in Louisiana
- Cheapest state-minimum car insurance in Louisiana
- Cheapest car insurance for good credit in Louisiana
- Cheapest car insurance for poor credit in Louisiana
- Cheapest car insurance for drivers with multiple claims in Louisiana
- Cheapest car insurance for young drivers in Louisiana
- Louisiana auto insurance requirements
- Is usage-based insurance available in Louisiana?
- FAQs about the cheapest car insurance rates in Louisiana
- Methodology
Cost of car insurance in Louisiana
Average monthly premiums for car insurance in Louisiana range from just over $115 up to around $270, depending on the type of coverage and driver profile.
Average monthly auto insurance premiums in Louisiana
| Driver or coverage | Avg. monthly cost |
|---|---|
| State-minimum car insurance in Louisiana | $117.61 |
| Drivers with poor credit in Louisiana | $252.94 |
| Drivers with multiple claims in Louisiana | $269.37 |
| Young drivers in Louisiana | $235.49 |
5 cheapest car insurance companies in Louisiana
Geico offers the best car insurance rates in Louisiana for almost every driver profile we tested. The rates in this article are calculated based on a specific Louisiana driver profile (as detailed in our methodology) to assess insurers evenly and get the best sense of costs for an average driver. Unless otherwise noted, characteristics include a 680 to 719 credit score, a 36- to 45-year-old driver, no tickets or coverage gaps, and a $20,000 to $30,000 car value. Each of our calculations is based on minimum coverage, unless otherwise noted. Your rates could be different — that’s why we’ve also calculated the lowest car insurance options for drivers with different credit scores, ages and other characteristics. Read on for more information.
1. Geico
Geico offers a wide range of coverage options and many opportunities to save money for safe driving habits, safety equipment and customer loyalty. Its mobile app allows users to manage their policies, pay bills, request roadside assistance and more. Read reviews of Geico to learn more.
2. Southern Farm Bureau
Southern Farm Bureau is headquartered in Mississippi and provides car insurance coverage through local independent agents. This insurer offers many standard coverage options, plus classic car coverage and roadside assistance.
3. USAA
USAA is available to military members and their families. USAA auto insurance is available nationwide with various discount opportunities, including unique savings for deployed military members. The USAA app allows members to manage their policy from their mobile devices. USAA offers standard and optional coverage options. Read reviews of USAA to learn more.
4. Progressive
One of the largest insurers in the country, Progressive offers a wide range of insurance products spanning auto, home, life, renters, pet and more. On top of standard car insurance coverage options, potential customers can choose optional add-ons such as rideshare, custom parts, trip interruption and rental car reimbursement coverages. Progressive offers many ways to save and has discounts for good driving behavior, loyalty, how you buy your premium and more. Read reviews of Progressive to learn more.
5. Automobile Club of Missouri
The Automobile Club of Missouri is a member of the American Automobile Association, commonly called AAA. The company offers a range of car insurance coverage options and various ways to save, including bundling and multi-vehicle discounts. You can get a quote online, and you may get additional benefits for becoming a AAA member.
Cheapest state-minimum car insurance in Louisiana
Louisiana drivers must carry at least 15/30/25 coverage to register and legally drive their car. This is considered state-minimum insurance and is usually the least expensive coverage you can select.
Here are the insurance companies with the lowest estimated rates for drivers interested in state-minimum coverage.
5 cheapest car insurance companies in Louisiana for state-minimum coverage
| 1 | Geico | $51.10/month |
| 2 | Southern Farm Bureau | $81.72/month |
| 3 | USAA | $108.95/month |
| 4 | Progressive | $114.09/month |
| 5 | Automobile Club of Missouri | $114.48/month |
Cheapest car insurance for good credit in Louisiana
Several factors affect the rates you see for your car insurance. One of those factors is your credit. Typically, drivers with good credit will see lower car insurance premiums than drivers with poor credit.
These companies have the lowest estimated rates on basic coverage for drivers with good credit.
5 cheapest car insurance companies in Louisiana for those with good credit
| 1 | Geico | $44.63/month |
| 2 | Southern Farm Bureau | $69.83/month |
| 3 | Automobile Club of Missouri | $83.85/month |
| 4 | Progressive | $86.15/month |
| 5 | State Farm | $96/month |
Cheapest car insurance for poor credit in Louisiana
Drivers with poor credit often pay higher monthly premiums. But there are other ways to help keep your costs low, even if your credit score isn’t great, like maintaining a record of safe driving and claiming any discounts you’re eligible for.
These five companies have the lowest estimated rates on basic coverage for drivers with poor credit.
5 cheapest car insurance companies in Louisiana for those with poor credit
| 1 | Geico | $63.23/month |
| 2 | Safeway | $130.25/month |
| 3 | Southern Farm Bureau | $152.69/month |
| 4 | Safe Auto | $158.29/month |
| 5 | Progressive | $183.84/month |
Cheapest car insurance for drivers with multiple claims in Louisiana
Your claims history may also determine how much you pay for car insurance. Usually, drivers with several insurance claims on their record will see higher premiums than drivers with no or just a few claims.
The five following companies have the lowest estimated rates on minimum coverage for drivers with multiple claims by insurance companies.
5 cheapest car insurance companies in Louisiana for multiple claims
| 1 | Southern Farm Bureau | $108.25/month |
| 2 | Geico | $133.10/month |
| 3 | Progressive | $271.77/month |
| 4 | Allstate | $276.71/month |
| 5 | Safe Auto | $282.58/month |
Cheapest car insurance for young drivers in Louisiana
Finally, your age affects how much you pay for car insurance, at least for a little while. Insurers generally see younger drivers as riskier to insure, and so policies with drivers under 25 tend to be more expensive.
The companies below have the lowest estimated rates for drivers between the ages of 18 and 21 who are looking for minimum coverage.
5 cheapest car insurance companies in Louisiana for young drivers
| 1 | Geico | $96.56/month |
| 2 | USAA | $205.08/month |
| 3 | Southern Farm Bureau | $213.97/month |
| 4 | Progressive | $219.89/month |
| 5 | Allstate | $229.10/month |
Louisiana auto insurance requirements
Louisiana requires $15,000 per person and at least $30,000 per accident for bodily injury liability, as well as $25,000 of property damage liability. If you have a car loan or lease, your coverage responsibilities will likely be more extensive.
Is usage-based insurance available in Louisiana?
Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. Louisiana drivers may be able to utilize their insurance companies’ UBI programs to save money by recording their safe driving behavior.
FAQs about the cheapest car insurance rates in Louisiana
Drivers in Louisiana are required to carry 15/30/25 liability coverage. That means they need to be insured for at least $15,000 per person and $30,000 per accident of bodily injury liability, plus $25,000 for property damage liability.
Louisiana is considered an at-fault state, which means if you are found to be responsible for an accident, your insurance provider will have to cover the financial damages incurred by the other people involved. But Louisiana is a “no-pay, no-play” state, meaning uninsured drivers are limited in terms of what they can collect regardless of who causes an accident.
Driving without insurance in Louisiana could carry a fine of $500 to $1,000. You could also have your driving privileges suspended, your car impounded, your registration revoked or your license plate canceled.
Methodology
The estimated rates in this article are the lowest estimated rates for basic coverage based on the profile of a driver aged 36 to 45 living in Louisiana. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 and higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on factors such as age, vehicle driving habits, and history.
The average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a Louisiana-mandated 15/30/25 insurance policy.