Cheapest car insurance for high-risk drivers in Louisiana

Which company has the cheapest car insurance in Louisiana for a bad driving record?

Southern Farm Bureau offers the cheapest average rate in Louisiana for drivers with a poor driving record at $2,709 per year. Safeway Insurance and Progressive also rank among the more affordable insurers for high-risk drivers.

Having accidents, DUIs or traffic tickets on your driving record will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Southern Farm Bureau	$2,121	$2,709
Safeway Insurance	$3,191	$3,629
Progressive	$3,065	$4,198
Auto Club Enterprises (AAA)	$3,473	$5,446
GEICO	$2,983	$5,817
State Farm	$3,570	$5,944
Farmers	$3,002	$6,058
USAA	$1,973	$2,809

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How much is high-risk car insurance in Louisiana?

The average cost of high-risk car insurance in Louisiana is $4,585 annually. However, some insurers offer rates far below the state average, with premiums starting around $2,709 per year.

Not every high-risk factor affects premiums equally. A single speeding ticket may cause only a moderate increase, while multiple violations, at-fault accidents or poor credit can raise rates substantially.

Average annual car insurance rate for At-fault bodily injury accident in Louisiana, LA is $4,258

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Company	Annual premium for clean record	Annual premium after violation
Southern Farm Bureau	$2,121	$2,647
USAA	$1,973	$2,973
Safeway Insurance	$3,191	$3,931
State Farm	$3,570	$4,050
Auto Club Enterprises (AAA)	$3,473	$5,059
Progressive	$3,065	$5,149
Farmers	$3,002	$5,245
GEICO	$2,983	$5,452

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Average annual rate

People ask

Who is considered a high-risk driver in Louisiana?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

What company offers the cheapest car insurance in Louisiana after a DUI?

Southern Farm Bureau has the cheapest average DUI insurance rates in Louisiana at $2,684 annually.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade, in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Louisiana.

Company	Average annual premium for clean record	Annual premium for a DUI
Southern Farm Bureau	$2,121	$2,684
Progressive	$3,065	$3,439
State Farm	$3,570	$3,794
Safeway Insurance	$3,191	$4,207
Auto Club Enterprises (AAA)	$3,473	$4,719
GEICO	$2,983	$6,385
Farmers	$3,002	$7,270
USAA	$1,973	$3,177

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What is the cheapest car insurance in Louisiana with multiple tickets?

Southern Farm Bureau is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $2,352 a year or $196 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.

This table shows Louisiana drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Southern Farm Bureau	$2,121	$2,352
Safeway Insurance	$3,191	$3,243
State Farm	$3,570	$3,794
Progressive	$3,065	$3,982
Auto Club Enterprises (AAA)	$3,473	$4,553
Farmers	$3,002	$5,077
GEICO	$2,983	$5,637
USAA	$1,973	$2,532

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Expert's Insight Two minor tickets can sometimes cost you more on your insurance than one major violation.

Which company offers the cheapest insurance for reckless driving in Louisiana?

Southern Farm Bureau provides the cheapest average reckless driving insurance rates in Louisiana at $2,684 per year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
Southern Farm Bureau	$2,121	$2,684
State Farm	$3,570	$3,794
Safeway Insurance	$3,191	$4,207
Progressive	$3,065	$4,422
Auto Club Enterprises (AAA)	$3,473	$4,719
GEICO	$2,983	$7,060
Farmers	$3,002	$7,270
USAA	$1,973	$2,644

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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Louisiana?

Southern Farm Bureau offers the lowest average car insurance rates in Louisiana for drivers with bad credit, at $3,832 per year or $319 per month. Even with bad credit, drivers can still find affordable auto insurance coverage.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer’s perspective, higher risk means an increased chance of filing a 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., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects Louisiana car insurance.

Company	Annual premium for good credit	Annual premium for bad credit
Southern Farm Bureau	$2,121	$3,832
GEICO	$2,983	$4,543
Progressive	$3,065	$5,377
Farmers	$3,002	$6,579
Auto Club Enterprises (AAA)	$3,473	$9,581
State Farm	$3,570	$16,695
USAA	$1,973	$3,439

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What company has the cheapest car insurance in Louisiana after an accident?

Southern Farm Bureau has the cheapest average post-accident insurance rates in Louisiana at $2,647 per year. Safeway Insurance also offers below-average rates after an at-fault crash.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Southern Farm Bureau	$2,121	$2,647	$2,916
Safeway Insurance	$3,191	$3,931	$5,998
State Farm	$3,570	$4,050	$4,050
Farmers	$3,002	$4,974	$6,678
Auto Club Enterprises (AAA)	$3,473	$5,059	$8,462
Progressive	$3,065	$5,149	$7,104
GEICO	$2,983	$6,043	$9,581
USAA	$1,973	$2,973	$4,730

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Louisiana?

Ruston has the cheapest average high-risk car insurance rates in Louisiana at $3,930 per year. In comparison, drivers in Alexandria pay the highest average rates at $5,179 annually.

Where you live in Louisiana also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

City	Average annual premium for clean record	Annual premium for high-risk driver
Ruston	$2,480	$3,930
Leesville	$2,521	$4,085
Atlanta	$2,597	$4,128
Sikes	$2,605	$4,144
New Orleans	$2,949	$4,689
Port Allen	$2,975	$4,717
Bogalusa	$2,980	$4,729
Scott	$3,040	$4,799
Baton Rouge	$3,166	$5,030
Alexandria	$3,256	$5,179

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How can high-risk drivers lower their car insurance rates in Louisiana?

High-risk drivers in Louisiana can find lower rates by shopping around, avoiding further violations and taking a defensive driving course. Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

People ask

How long are you considered a high-risk driver in Louisiana?

Three years is common, but how long you are considered a high-risk driver in Louisianadepends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are Louisiana's insurance requirements for high-risk drivers?

If you're considered a high-risk driver in Louisiana, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

An SR-22 is not an insurance policy and doesn't require special coverage, but rates are much higher for high-risk drivers, and not all carriers insure such drivers.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

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.

All base rate 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

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Louisiana

Can high-risk drivers get full coverage car insurance in Louisiana?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Louisiana?

Although the SR-22 doesn't increase your rates, the reason for needing it does, since only drivers with major violations require an SR-22; rates will go up. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.

Will my car insurance rates go down after three years in Louisiana?

It's likely that your insurance will go down after three years, although, depending on the violation, you may still be paying higher rates than you were before it happened.