Best car insurance companies in Louisiana: Geico

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

Best car insurance in Louisiana
Company AM BestJ.D. PowerNAICInsurance.com scoreAvg. Annual Premium
GeicoA++8470.913.14$2,983
ProgressiveA+8280.652.87$3,065
FarmersA8570.82.86$3,002
State FarmA++8070.72.83$3,570
Auto Club Enterprises (AAA)A+8192.212.04$3,473

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies 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 $2,121 annually or $177 a month. USAA offers cheaper rates if you are eligible. Southern Farm Bureau also offers the cheapest liability auto insurance and state minimum insurance in Louisiana at an average rate of $916 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.

Cheapest car insurance in Lousiana
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
Data refreshed as of May 2024
Read our full methodology

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

Data refreshed as of May 2024
Read our full methodology

Average cost of car insurance in Louisiana

The average cost of car insurance 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.

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
$71 State minimum
$281 Full coverage
$136 Liability only

Most & least expensive ZIP codes for auto insurance in Louisiana

Most Expensive

Zip CodeCityHighest Rate
70043Chalmette$304
70780St. Gabriel$303
70801Baton Rouge$301
70093Belle Chasse$301

Least Expensive

Zip CodeCityLowest Rate
71439Hornbeck$217
71052Mansfield$217
71071Sarepta$217
71429Florien$219
Data refreshed as of May 2024
Read our full methodology

Louisiana car insurance requirements

You need car insurance with minimum coverage levels of 15/30/25 in Louisiana, which costs $711 each year or $59 each month.

Minimum liability insurance 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 $421 per year or $35 each month. 

Here are the most affordable car insurance companies for state minimum coverage in Louisiana.

State minimum auto insurance coverage in Louisiana, LA
Company Liability insurance premiumMonthly liability insurance premium
Southern Farm Bureau$421$35
Geico$488$41
USAA*$560$47
Progressive$606$51
Auto Club Enterprises (AAA)$810$67
LA Farm Bureau$846$70
State Farm$896$75
Safeway Insurance$1,035$86
Farmers$1,273$106
Allstate$1,476$123

*USAA offers coverage only to military veterans and their family

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in Louisiana by age

Southern Farm Bureau
Cheapest for teens
$4,538/yr
Learn more
Southern Farm Bureau
Cheapest for adults
$2,231/yr
Learn more
Southern Farm Bureau
Cheapest for seniors
$2,363/yr
Learn more

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.

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.

Age group
Teen
Age
16
Table
Graph
Southern Farm Bureau$6,195$516
USAA$7,456$621
Safeway Insurance$8,604$717
LA Farm Bureau$9,656$805
State Farm$11,724$977
Auto Club Enterprises (AAA)$13,825$1,152
Farmers$14,628$1,219
Progressive$15,087$1,257
Allstate$15,253$1,271
Geico$15,628$1,302
Yearly premium

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

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in Louisiana by driver profile

Southern Farm Bureau
Cheapest for at-fault accident
$2,647/yr
Learn more
Southern Farm Bureau
Cheapest for DUI
$2,684/yr
Learn more
Southern Farm Bureau
Cheapest for speeding ticket
$2,352/yr
Learn more

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 $2,647 per year.

Southern Farm Bureau is also the cheapest car insurance company for drivers with a speeding ticket at $2,352 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. 

Cheapest car insurance in Louisiana for drivers with tickets and accidents
CompanyClean record AccidentSpeeding Ticket
Southern Farm Bureau$2,121$2,647$2,352
USAA*$1,973$2,973$2,532
Safeway Insurance$3,191$3,931$3,243
State Farm$3,570$4,050$3,794
Farmers$3,002$4,974$5,077
Auto Club Enterprises (AAA)$3,473$5,059$4,553
Progressive$3,065$5,149$3,982
Geico$2,983$6,043$5,637

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

Data refreshed as of May 2024
Read our full methodology

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
Data refreshed as of May 2024
Read our full methodology

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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