- Best car insurance company in Louisiana: GEICO
- Cheapest car insurance company in Louisiana: Southern Farm Bureau
- Average cost of car insurance in Louisiana
- Louisiana car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Louisiana
- Cheapest car insurance cost in Louisiana by age
- Cheapest car insurance companies in Louisiana by driver profile
- Compare auto insurance rates by city in Louisiana
- Car insurance premium trends in Louisiana
- Methodology
- Compare Louisiana car insurance rates with other states
Best car insurance company in Louisiana: GEICO
GEICO is the best car insurance company in Louisiana, based on our data analysis, with an overall rating of 3.92. Progressive, Farmers, and State Farm are also among the top car insurance companies in Louisiana.
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.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| GEICO | A++ | 651 | 0.69 | $2,983 | 3.92 |
| Farmers | A | 676 | 0.86 | $3,002 | 3.73 |
| State Farm | A++ | 673 | 0.79 | $3,570 | 3.65 |
| Progressive | A+ | 637 | 0.71 | $3,065 | 3.46 |
| USAA | A++ | 759 | 1.18 | $1,973 | 4.5 |
Cheapest car insurance company in Louisiana: Southern Farm Bureau
Based on a rate analysis by Insurance.com, Southern Farm Bureau offers the cheapest full coverage car insurance in Louisiana, with average rates of $2,223 annually or $185 a month. Southern Farm Bureau also offers the cheapest liability auto insurance and state minimum insurance in Louisiana at an average rate of $886 and $427 per year.
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 auto insurance quotes in Louisiana from all the major providers and compiled a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Southern Farm Bureau | $427 | $886 | $2,223 |
| GEICO | $561 | $1,266 | $3,347 |
| Progressive | $683 | $1,795 | $4,218 |
| Farmers | $1,856 | $2,373 | $4,627 |
| Safeway Insurance | $1,057 | $1,520 | $4,679 |
| State Farm | $1,103 | $1,976 | $4,761 |
| Auto Club Enterprises (AAA) | $798 | $2,034 | $4,853 |
| Louisiana Farm Bureau | $1,086 | $1,624 | $5,169 |
| Allstate | $1,862 | $4,023 | $9,726 |
| USAA | $728 | $1,216 | $2,696 |
USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Louisiana
The average cost of car insurance in Louisiana is $4,180 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 $993.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Louisiana
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Harvey | $3,542 | $295 |
| Terrytown | $3,539 | $295 |
| New Orleans | $3,460 | $288 |
| Gretna | $3,442 | $287 |
| Waggaman | $3,415 | $285 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Hodge | $1,300 | $108 |
| Hornbeck | $1,302 | $109 |
| Jonesboro | $1,311 | $109 |
| Many | $1,313 | $109 |
| New Llano | $1,314 | $109 |
The Louisiana Department of Insurance says...
Most Louisiana insurance companies will give discounts to full-time students with a B average or higher. Check with your agent to see if you qualify for any discounts, such as a senior citizen discount.
- The Louisiana Department of InsuranceLouisiana car insurance requirements
You need car insurance with minimum coverage levels of 15/30/25 in Louisiana, which costs $993 each year or $83 each month.
Minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for Louisiana:
- Bodily injury liability (BI): $15,000 per person, $30,000 per accident
- Property damage liability (PD): $25,000 per person
Cheapest car insurance companies for minimum liability coverage in Louisiana
According to Insurance.com, Southern Farm Bureau has the cheapest state minimum liability coverage, at $886 per year or $74 each month.
Here are the most affordable car insurance companies for state minimum coverage in Louisiana.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Southern Farm Bureau | $886 | $74 |
| GEICO | $1,266 | $105 |
| Safeway Insurance | $1,520 | $127 |
| Louisiana Farm Bureau | $1,624 | $135 |
| Progressive | $1,795 | $150 |
| State Farm | $1,976 | $165 |
| Auto Club Enterprises (AAA) | $2,034 | $169 |
| Farmers | $2,373 | $198 |
| Allstate | $4,023 | $335 |
| USAA | $1,216 | $101 |
*USAA offers coverage only to military veterans and their family
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 a 16-year-old driver in Louisiana at $6,430 per year.
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 a 25-year-old and a 65-year-old driver at $2,872 per year and $2,449 per year, respectively.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Southern Farm Bureau | $6,430 | $536 |
| Safeway Insurance | $11,225 | $935 |
| USAA | $13,281 | $1,107 |
| State Farm | $15,083 | $1,257 |
| Louisiana Farm Bureau | $15,198 | $1,267 |
| GEICO | $19,776 | $1,648 |
| Auto Club Enterprises (AAA) | $21,402 | $1,784 |
| Allstate | $23,241 | $1,937 |
| Farmers | $23,572 | $1,964 |
| Progressive | $25,634 | $2,136 |
*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. In Louisiana, Southern Farm Bureau offers the cheapest car insurance rates for drivers with an accident, at $2,776 per year.
Southern Farm Bureau is also the cheapest car insurance company for drivers with a speeding ticket at $2,466 per year in Louisiana.
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.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Southern Farm Bureau | $2,223 | $2,776 | $2,466 |
| Safeway Insurance | $4,679 | $5,765 | $4,756 |
| State Farm | $4,761 | $5,402 | $5,060 |
| Progressive | $4,218 | $7,084 | $5,479 |
| GEICO | $3,347 | $6,779 | $6,324 |
| Auto Club Enterprises (AAA) | $4,853 | $7,070 | $6,363 |
| Farmers | $4,627 | $7,665 | $7,824 |
| USAA | $2,696 | $4,063 | $3,461 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Louisiana
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Louisiana will impact what you pay. Below, we've gathered Louisiana car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Alexandria | $3,256 |
Atlanta | $2,597 |
Baton Rouge | $3,166 |
New Orleans | $2,949 |
Car insurance premium trends in Louisiana
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Louisiana to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
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
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Louisiana car insurance rates with other states
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