Cheapest car insurance for high-risk drivers in Louisiana

Cheapest car insurance in Louisiana for a bad driving record

Southern Farm Bureau, Safeway Insurance, Progressive provides affordable car insurance for high-risk drivers with bad driving record in Louisiana.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning youll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

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?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Louisiana, high-risk car insurance costs $4,585 per year. However, you can get rates as low as $2,709 annually from Southern Farm Bureau.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

Read on as we explain high-risk car insurance factors and rates below.

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 high-risk for insurance 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.

Cheapest car insurance in Louisiana with a DUI

Although many insurance companies provide coverage after a DUI, Southern Farm Bureau offers the most affordable rate at $2,684 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Louisiana for drivers with a clean record versus those with a DUI.

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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Cheapest car insurance in Louisiana with multiple tickets

The cheapest insurer for drivers with multiple tickets is Southern Farm Bureau, with rates averaging $2,352 annually or $196 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your 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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Cheapest car insurance in Louisiana with a reckless driving conviction

Southern Farm Bureau offers the most affordable rates for drivers with reckless driving convictions, averaging $2,684 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those 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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Cheapest car insurance in Louisiana with bad credit

The cheapest Louisiana insurer for bad credit is Southern Farm Bureau, with rates averaging $3,832 per year or $319 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

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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Cheapest car insurance after an accident in Louisiana

Southern Farm Bureau has the lowest rates after an accident at $2,647 a year. Safeway Insurance also has affordable rates at $3,931 a year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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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Cheapest car insurance in Louisiana by city

Ruston has the cheapest car insurance rates in Louisiana at $3,930 per year. But the most expensive city is Alexandria with rates of $5,179 per year.

Your location in Louisiana also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.

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 to reduce car insurance rates in Louisiana for a bad driving record

Finding affordable car insurance in Louisiana is possible, even with a bad driving record. Ways to lower car insurance rates include:

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.

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 California depends 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.

Louisiana car insurance laws 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.

Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance 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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.