- Cheapest car insurance for high-risk drivers in Louisiana
- Average rates for high-risk drivers in Louisiana by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Louisiana
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Louisiana is State Farm, followed by Progressive and Auto Club Enterprises (AAA).
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $3,731 | $311 |
| Progressive | $4,626 | $386 |
| Auto Club Enterprises (AAA) | $6,553 | $546 |
| Geico | $8,375 | $698 |
| USAA | $2,425 | $202 |
Average rates for high-risk drivers in Louisiana by driving record
Average cost of car insurance in Louisiana for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| State Farm | $2,580 |
| USAA | $2,586 |
| Progressive | $5,448 |
| Auto Club Enterprises (AAA) | $6,285 |
| Geico | $8,920 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Louisiana for a driver with a DUI is State Farm with an average annual of $2,425 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $2,425 | $202 |
| Progressive | $4,605 | $384 |
| Auto Club Enterprises (AAA) | $5,842 | $487 |
| Geico | $9,492 | $791 |
| USAA | $2,713 | $226 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Louisiana, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $2,425 per year or $202 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $2,425 | $202 |
| Progressive | $4,153 | $346 |
| Auto Club Enterprises (AAA) | $5,626 | $469 |
| Geico | $8,435 | $703 |
| USAA | $2,203 | $184 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Louisiana, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $2,425 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $2,425 | $202 |
| Progressive | $4,712 | $393 |
| Auto Club Enterprises (AAA) | $5,842 | $487 |
| Geico | $8,154 | $680 |
| USAA | $2,285 | $190 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Louisiana is Progressive with an average annual cost of $5,982 or $499 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Progressive | $5,982 | $499 |
| Geico | $7,302 | $609 |
| State Farm | $10,258 | $855 |
| Auto Club Enterprises (AAA) | $10,754 | $896 |
| USAA | $2,944 | $245 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
Helpful auto insurance tools and calculators
You might also be interested in- Louisiana car insurance guide
- Cheapest home and auto insurance bundle in Louisiana
- Louisiana homeowners insurance crisis: What you need to know
- Louisiana gap insurance: Everything you need to know
- Best cheap car insurance in Louisiana for 2024
- Best condo insurance in Louisiana for 2024
- Best and cheapest renters insurance in Louisiana
- Best and cheapest homeowners insurance in Louisiana for 2024
