Cheapest Auto Insurance in Louisiana (2024)
Louisiana drivers can find the cheapest auto coverage from State Farm, with liability-only rates averaging $65 per month.
Excellent
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 21, 2024
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Table of contents
Drivers in the Pelican State pay about $247 per month, on average, for full-coverage car insurance and around $133 for liability-only coverage.
Louisiana has some of the most expensive car insurance costs in the country. The state’s risk of damage from extreme weather contributes to its higher insurance costs. Weather-related disasters cost the state about $6.9 billion per year, according to data from the National Centers for Environmental Information.
But comparing car insurance quotes could help Louisiana drivers find the cheapest rates available to them.
Quick Facts
Louisiana drivers pay an average of $2,967 per year for full-coverage car insurance.
Louisiana requires all drivers to carry a minimum amount of liability car insurance — but nearly 12% of state drivers are uninsured, according to data from the Insurance Research Council.
Your credit score can affect how much you pay for car insurance in Louisiana.
Find Cheap Car Insurance in Louisiana
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Cheapest car insurance companies in Louisiana
State Farm has the cheapest rates for Louisiana drivers. However, this doesn’t mean it’s the best car insurance company for you. Your auto insurance cost may be higher or lower depending on various factors, such as the type of car you drive, your age, and your credit history. Always compare quotes before buying a policy.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $111 | $65 | Cheap rates |
| USAA | 9.4 | $140 | $82 | Military members |
| Allstate | 8.9 | $181 | $106 | Drivers with poor credit |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurance for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $111/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
The average monthly cost of a liability-only policy from State Farm is $65 — less than the state average. State Farm also has the highest Insurify Quality (IQ) Score among the cheapest insurers, making it a top choice for customer satisfaction, cost, financial strength, and availability. From Abbeville to Zachary, you’ll find an exclusive State Farm agent in 122 Louisiana cities.
Pros
Savings of up to 30% possible via safe driver discount
Mobile app allows for easy policy management
Above-average customer satisfaction ratings in the J.D. Power 2022 U.S. Auto Insurance Study[1]
Cons
Must go through a State Farm agent to buy a policy
Gap insurance not available
57 complaints in Louisiana in 2022, according to the National Association of Insurance Commissioners (NAIC)[2]
Best insurance for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Active-duty military members, veterans, and their families can benefit from USAA’s competitive rates, various coverage options, and discounts. With an IQ Score of 4.3 out of 5, the company earns high marks for customer satisfaction, financial strength, company transparency, and affordable premiums. The average liability-only policy cost from USAA in Louisiana is $82 per month.
Pros
Flexible policy options and discounts for customizing coverage
Few complaints in Louisiana in 2022, according to the NAIC
Ranked well above average in the J.D. Power 2022 U.S. Auto Insurance Study in the Central region
Cons
Only available to members of the military community
No local offices in Louisiana
Limited customer service hours
Best insurance for coverage variety: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $106/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $181/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate offers numerous ways for drivers to customize their coverages, including adding a rideshare insurance policy if you drive for Uber, Lyft or another rideshare company.
Pros
Customizable policy options and discounts
65 Allstate agents throughout the state
Rideshare insurance is available
Cons
More expensive average premiums than other insurers in Louisiana
67 complaints in Louisiana in 2022, according to the NAIC
Ranked below average in the J.D. Power 2022 U.S. Auto Insurance Study in the Central region
)
Learn More: The 10 Best Car Insurance Companies
How to get the cheapest car insurance in Louisiana
Getting cheap car insurance in Louisiana can be tricky, considering the average premium is nearly 50% higher than the national average, but it’s possible. When setting rates, insurers evaluate your driving record, coverage needs, age, ZIP code, vehicle type, and other factors.
The Louisiana Department of Insurance suggests these tips to help you find a policy that fits your budget:
Shop around. Get multiple insurance quotes to find the best deal.
Raise your deductible. Choosing a higher deductible can lower your premium.
Apply for discounts. Save money with discounts, such as those offered to good students or safe drivers.
Bundle benefits. Bundle your car insurance with other policies, like home or renters insurance, for potential savings.
Drive safely. Maintain a clean driving record to get the cheapest rates.
Cheapest liability-only car insurance in Louisiana: State Farm
Liability-only car insurance covers damages or injuries you cause to others in a car accident but doesn’t include vehicle repairs or medical costs. While it fulfills the legal requirements for minimum coverage, liability-only coverage may leave you vulnerable to a large financial loss from an at-fault accident.
The cheapest insurer for liability-only car insurance in Louisiana is State Farm, with an average cost of $65 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $65 |
| USAA | $82 |
| National General | $93 |
| Allstate | $106 |
| GEICO | $106 |
| Direct Auto | $117 |
| Progressive | $126 |
| Clearcover | $162 |
| The General | $176 |
| Bristol West | $213 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Louisiana: State Farm
Liability coverage is enough to drive legally, but sometimes you may want more security. Full coverage includes liability-only insurance, as well as collision and comprehensive coverage. It can give you extra security if you drive a newer or pricier car or want more financial protection against accidents, theft, or other damage.
State Farm offers the cheapest full-coverage policies in the Pelican State, with monthly rates averaging $111.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $111 |
| USAA | $140 |
| Allstate | $181 |
| GEICO | $182 |
| National General | $186 |
| Progressive | $215 |
| Direct Auto | $216 |
| Clearcover | $259 |
| Safeco | $291 |
| The General | $354 |
| Bristol West | $423 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Louisiana
Drivers using Insurify have found quotes as cheap as $65/mo for liability only and $109/mo for full coverage in Louisiana.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Louisiana
Louisiana is a pure comparative fault state.[3] It means you can collect financial compensation even if you were partly responsible for a car accident. The law helps ensure you’re covered if you make a mistake behind the wheel. But drivers usually have a one-year time limit on filing a lawsuit after an accident.
“Insurers pay up to twice the amount in claim payments for bodily injury claims and property damage claims in Louisiana than they do in most of the rest of the country,” says John Ford, deputy commissioner of public affairs for the Louisiana Department of Insurance.
Below are Louisiana’s minimum liability car insurance requirements:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $15,000 per person, $30,000 per accident |
| Property damage liability | $25,000 per accident |
Though Louisiana doesn’t require these coverages, they can offer extra, useful protection for you and your vehicle.
Collision and comprehensive
Collision and comprehensive coverages are part of full-coverage car insurance. Collision insurance can pay for damages from an at-fault accident with other vehicles, as well as collisions with objects like trees, fences, and light poles. It can also cover damage from rollover accidents. Comprehensive pays for damages caused by non-collision events, such as theft, fire, flood, or severe weather.
Medical payments coverage
If you get into an accident, medical payments coverage takes care of your medical expenses, regardless of who’s at fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist insurance covers you when another driver doesn’t have insurance or doesn’t have enough coverage. Louisiana requires all insurance companies to offer this coverage, but drivers can decline to purchase it.
Roadside assistance
If you find yourself stuck on the side of the road, roadside assistance coverage can pay to tow your vehicle to a repair shop or another location.
Full coverage
Full coverage typically includes collision and comprehensive insurance to cover repairs or replacement after an accident, theft, fire, or other event.
Rideshare insurance
If you drive for a rideshare company, rideshare insurance fills coverage gaps left by your personal car insurance and the rideshare company’s insurance.[4]
Cheapest car insurance for drivers with an incident
An incident is an at-fault accident, speeding ticket, DUI/DWI, or another moving violation that can negatively affect your driving record and car insurance rates.
“At-fault accidents and violations are used in premium calculations because they are predictive of a driver’s risk level,” Ford says. A speeding ticket can raise rates more than $500 for liability insurance, while a DUI can add nearly $900 to your premiums.
“Each insurer treats incidents differently, but the overall frequency of incidents can raise premiums in a geographic area,” says Ford. “For example, cities with higher instances of auto theft would likely see higher premiums for comprehensive coverage relative to cities with lower instances of auto theft.”
Find Cheap Car Insurance in Louisiana
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Based on 3,806+ reviews
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Drivers with speeding tickets pay almost five times as much for liability-only car insurance than good drivers with clean records.
Louisiana drivers with a speeding ticket pay an overall monthly average of $274 for car insurance.
Affordable coverage can be difficult to find if you have a speeding ticket, but it’s not impossible. You need to take the time to compare car insurance quotes from multiple insurers, like the ones in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $145 |
| USAA | $185 |
| Allstate | $239 |
| GEICO | $240 |
| National General | $247 |
| Progressive | $282 |
| Direct Auto | $285 |
| Clearcover | $344 |
| The General | $476 |
| Bristol West | $562 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
An at-fault accident can lead to higher rates — drivers in Louisiana with an at-fault accident pay a monthly average of $202 for liability-only insurance.
But you can still find ways to keep your rates low. Look for an insurance company that offers an accident forgiveness program or specializes in serving high-risk drivers. Another option is to shop around, since insurance quotes for Louisiana drivers with an at-fault accident can vary quite a bit among insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $154 |
| USAA | $196 |
| Allstate | $253 |
| GEICO | $255 |
| National General | $259 |
| Progressive | $302 |
| Direct Auto | $308 |
| Clearcover | $388 |
| The General | $503 |
| Bristol West | $590 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI/DWI: State Farm
The Louisiana Department of Transportation reports that 40% of fatal highway traffic accidents involve alcohol.[5] Drivers in Louisiana who have been convicted of a DUI or DWI can expect to pay an average of $229 for liability-only coverage and $425 for a full-coverage policy.
Navigating car insurance after driving under the influence can feel overwhelming. You might want to look for an insurance company that offers a discount for completing a defensive driving course or practicing safe driving habits.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $187 |
| USAA | $236 |
| Allstate | $305 |
| GEICO | $307 |
| National General | $313 |
| Progressive | $362 |
| Direct Auto | $364 |
| Clearcover | $436 |
| The General | $596 |
| Bristol West | $713 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Car insurance rates follow a pattern as people get older. After age 35, rates usually drop as drivers gain experience and become more responsible. But around age 70, premiums start to go up again. Most of Louisiana’s seniors face high car insurance costs, on average, highlighting the importance of finding reliable, affordable auto insurance options.
Senior drivers in Louisiana pay an overall monthly average of $150 for car insurance. Explore more options for senior drivers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Progressive | $104 |
| Direct Auto | $127 |
| Clearcover | $192 |
| The General | $229 |
| Bristol West | $264 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
It’s no secret that getting car insurance as a teenager can be expensive. “Because teens have the least amount of driving experience and the highest rate of accidents of any demographic, they pay the highest average rates across the U.S.,” says Mark Friedlander, corporate communications director at the Insurance Information Institute.
A liability-only policy costs teen drivers in Louisiana $277 per month, on average, while full-coverage insurance is even more expensive, averaging $515 per month.
Teenage drivers pay significantly more for auto insurance than Louisiana’s average. But plenty of teen-focused discounts are available, including good student discounts and student away-at-school discounts, which are available if a college student in your household is attending and residing at a school more than 100 miles from home without a vehicle.
Teens can also save money by staying on their parents’ insurance policies, driving a safe car, choosing a higher deductible, or buying an inexpensive older vehicle to avoid needing to pay for collision and comprehensive coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| National General | $402 |
| Progressive | $419 |
| Direct Auto | $437 |
| Clearcover | $526 |
| The General | $630 |
| Bristol West | $794 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Keep Reading: What Are the Best Cars for Teens to Drive?
Find Cheap Car Insurance in Louisiana
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Louisiana car insurance quotes by credit tier
Your credit history can affect how much you pay for car insurance in Louisiana. If you have a poor credit score, you’ll pay about twice as much for a policy as someone with an excellent or good credit score.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Louisiana car insurance FAQs
Finding the best car insurance in Louisiana can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in the Bayou State.
How much is car insurance in Louisiana?
The average cost of car insurance in Louisiana is $190 per month. Drivers pay $133 per month for liability coverage and $247 per month for full coverage. Your average rates ultimately depend on your driving record, credit history, marital status, age, location, and more.
Who has the cheapest car insurance in Louisiana?
The cheapest car insurance companies in Louisiana are State Farm, USAA, and National General. Their liability-only rates average $65, $82, and $93 per month, respectively. But the cheapest insurer for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and chosen coverage levels.
What are the best car insurance companies in Louisiana?
State Farm is the best car insurance company in Louisiana, with an IQ Score of 4.4 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by USAA, with an IQ Score of 4.4 and an AM Best financial strength rating of A++. USAA is only available to military members and their families, however.
How much car insurance do you need in Louisiana?
Louisiana requires drivers to carry $15,000 per person and $30,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability coverage.
Is Louisiana a no-fault state?
No. Louisiana is a pure comparative fault state, meaning drivers can collect financial compensation even if they were partly responsible for an accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- J.D. Power. "2022 U.S. Auto Insurance Study."
- National Association of Insurance Commissioners. "State Farm Mut Auto Ins Co."
- NOLO. "Louisiana Car Accident Laws."
- Consumer's Guide to Auto Insurance. "Louisiana Department of Insurance."
- Louisiana Department of Transportation & Development. "997 fatalities on Louisiana highways in 2021; DOTD and safety partners urge motorists to drive safely."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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