Average cost of car insurance in Louisiana

The average car insurance rate in Louisiana is $2,883 a year for a full coverage policy with a coverage level of 100/300/100 and $500 deductibles, according to our most recent rates. For state minimum coverage, the average annual cost in Louisiana is $722.

Best car insurance companies in Louisiana

Geico is the best car insurance company in Louisiana, based on an analysis by Insurance.com, with an overall rating of 3.14

Below is a list of the top Louisiana insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best car insurance companies in Louisiana
Company AM BestAvg. Annual PremiumJ.D. PowerNAICInsurance.com score
GeicoA++$2,9838470.913.14
ProgressiveA+$3,0658280.652.87
FarmersA$3,0028570.82.86
State FarmA++$3,5708070.72.83
Auto Club Enterprises (AAA)A+$3,4738192.212.04

Cheapest car insurance companies in Louisiana

Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be.

We have gathered price quotes from all the major Louisiana insurance providers and compiled a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Southern Farm Bureau is the cheapest auto insurance company in Louisiana, with average rates of $2,121 annually or $177 a month, on average, for full coverage. USAA offers cheaper rates if you are eligible. 

CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
USAA*$566$956$1,973
Southern Farm Bureau$427$916$2,121
Geico$507$1,164$2,983
Farmers$1,159$1,526$3,002
Progressive$596$1,309$3,065
LA Farm Bureau$800$1,148$3,122
Safeway Insurance$918$1,302$3,191
Auto Club Enterprises (AAA)$797$1,752$3,473
State Farm$867$1,525$3,570

USAA offers car insurance only to military members, veterans and their families.

Auto insurance calculator

Average auto insurance rates in Louisiana
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
70117 - New Orleans
For a 30-year-old male
$90 State minimum
$362 Full coverage
$164 Liability only
View most and least expensive zip codes

Most & least expensive ZIP codes for auto insurance in Louisiana

Most Expensive

Zip CodeCityHighest Rate
70145New Orleans$364
70146New Orleans$364
70117New Orleans$362
70116New Orleans$344

Least Expensive

Zip CodeCityLowest Rate
71071Sarepta$169
71001Arcadia$169
71064Plain Dealing$170
71426Fisher$171

Cheapest car insurance cost in Louisiana by age

In Louisiana, as in all states, car insurance rates are higher for teenagers due to their lack of experience on the road.

Southern Farm Bureau offers the cheapest car insurance for teen drivers in Louisiana at $4,538 per year for a full coverage policy. 

Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults. 

In Louisiana, Southern Farm Bureau also offers the cheapest full coverage car insurance for adult and senior drivers at $2,231 per year and $2,363 per year, respectively.

Cheapest car insurance by age in Louisiana
Age Company Avg annual premium 
Teens (16-19)Southern Farm Bureau$4,538
Teens (16-19)USAA*$5,083
Teens (16-19)Safeway Insurance$7,912
Teens (16-19)LA Farm Bureau$8,833
Teens (16-19)State Farm$9,805
Teens (16-19)Progressive$9,849
Teens (16-19)Geico$10,586
Teens (16-19)Farmers$11,215
Teens (16-19)Auto Club Enterprises (AAA)$11,240
Teens (16-19)Allstate$14,679
Young Adults (20-24)USAA*$2,878
Young Adults (20-24)Southern Farm Bureau$3,144
Young Adults (20-24)Geico$4,583
Young Adults (20-24)Safeway Insurance$4,694
Young Adults (20-24)Progressive$4,850
Young Adults (20-24)LA Farm Bureau$5,218
Young Adults (20-24)Farmers$5,482
Young Adults (20-24)State Farm$5,573
Young Adults (20-24)Auto Club Enterprises (AAA)$5,632
Adults (25-60)USAA*$2,000
Adults (25-60)Southern Farm Bureau$2,231
Adults (25-60)Geico$2,932
Adults (25-60)LA Farm Bureau$2,969
Adults (25-60)Farmers$2,998
Adults (25-60)Progressive$3,044
Adults (25-60)Safeway Insurance$3,121
Adults (25-60)Auto Club Enterprises (AAA)$3,536
Adults (25-60)State Farm$3,566
Seniors (65-75)USAA*$2,045
Seniors (65-75)Southern Farm Bureau$2,363
Seniors (65-75)Farmers$2,634
Seniors (65-75)Safeway Insurance$2,797
Seniors (65-75)Geico$2,817
Seniors (65-75)LA Farm Bureau$2,874
Seniors (65-75)Progressive$2,994
Seniors (65-75)State Farm$3,472
Seniors (65-75)Auto Club Enterprises (AAA)$3,635

*USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in Louisiana by driver profile

Drivers with accidents or tickets are considered a higher risk and will pay more for car insurance. 

The severity and frequency of the incidents also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller rate increase than those with multiple major accidents.

Below are average Louisiana rates by company for drivers with accidents and tickets on their driving record. 

Cheapest car insurance companies for tickets and accidents in Louisiana
CompanyClean record AccidentSpeeding Ticket
USAA*$1,733$2,961$2,291
State Farm$2,270$2,580$2,425
Progressive$3,117$6,018$4,304
Auto Club Enterprises (AAA)$4,094$7,283$6,094
Geico$4,771$9,161$8,493

*USAA offers car insurance only to military members, veterans and their families.

Compare auto insurance rates by city in Louisiana

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Louisiana.

CityAnnual insurance premium
Alexandria
$3,256
Atlanta
$2,597
Baton Rouge
$3,166
New Orleans
$2,949

Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets: 

Accidents: 

  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 

Tickets: 

  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 

Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

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