The cost of car insurance in Louisiana can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in Louisiana is $2,487 annually for the profile of a 30-year-old driver.
When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.
- The average cost of auto insurance in Louisiana is $2,487 per year for a 30-year-old driver.
- Southern Farm Bureau is the cheapest car insurance company in Louisiana that offers full coverage policy at about $1,478 per year or $123 monthly.
- In Louisiana, Southern Farm Bureau is the cheapest company for teens, Southern Farm Bureau is the cheapest company for young drivers. On the other hand, Southern Farm Bureau is the cheapest company for adults, and Southern Farm Bureau is the cheapest company for seniors.
- Based on the driving history of a driver in Louisiana, the cheapest company for drivers with a speeding ticket is USAA, and State Farm is the cheapest for drivers with DUI.
- Cheapest car insurance companies in Louisiana
- Cheapest car insurance for teens in Louisiana
- Cheapest car insurance for young drivers in Louisiana
- Cheapest car insurance for adults in Louisiana
- Cheapest car insurance for seniors in Louisiana
- Cheapest car insurance rates in Louisiana by driving record
- Average cost of car insurance in Louisiana
- Compare car insurance by city in Louisiana
Cheapest car insurance companies in Louisiana
Southern Farm Bureau is the cheapest car insurance company in Louisiana that offers full coverage policy at about $1,478 per year or $123 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in Louisiana.
Following is the list of the cheap auto insurance companies and their average annual and monthly premium.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Southern Farm Bureau | $1,478 | $123 |
| USAA | $1,676 | $140 |
| State Farm | $2,181 | $182 |
| Geico | $2,239 | $187 |
| Safeway Insurance | $2,810 | $234 |
| Progressive | $3,026 | $252 |
| Auto Club Enterprises (AAA) | $4,002 | $333 |
Cheapest car insurance for teens in Louisiana
Southern Farm Bureau is the cheapest car insurance provider for teen drivers in Louisiana. It offers insurance at about $3,550 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.
| Company | Average annual premium |
|---|---|
| Southern Farm Bureau | $3,550 |
| USAA | $4,431 |
| State Farm | $6,239 |
| Geico | $6,845 |
| Safeway Insurance | $7,482 |
| Progressive | $17,767 |
| Auto Club Enterprises (AAA) | $23,935 |
Cheapest car insurance for young drivers in Louisiana
The cheapest car insurance company for young drivers in Louisiana is Southern Farm Bureau at about $2,316 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.
| Company | Average annual premium |
|---|---|
| Southern Farm Bureau | $2,316 |
| USAA | $2,503 |
| State Farm | $3,637 |
| Geico | $3,688 |
| Safeway Insurance | $5,013 |
| Progressive | $5,365 |
| Auto Club Enterprises (AAA) | $7,995 |
Cheapest car insurance for adults in Louisiana
According to Insurance.com's rate analysis, Southern Farm Bureau offers the cheapest car insurance for adults in Louisiana. Its average rate is $1,581 annually.
Below are the companies that offer cheap insurance rates for adult drivers in Louisiana.
| Company | Average annual premium |
|---|---|
| Southern Farm Bureau | $1,581 |
| USAA | $1,723 |
| State Farm | $2,228 |
| Geico | $2,348 |
| Safeway Insurance | $2,922 |
| Progressive | $3,100 |
| Auto Club Enterprises (AAA) | $4,128 |
Cheapest car insurance for seniors in Louisiana
Southern Farm Bureau offers the cheapest car insurance for seniors in Louisiana. The average annual premium offered is $1,646. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.
Below is the list of companies that offer the cheapest car insurance for seniors in Louisiana:
| Company | Average annual premium |
|---|---|
| Southern Farm Bureau | $1,646 |
| USAA | $1,709 |
| Geico | $2,113 |
| State Farm | $2,161 |
| Safeway Insurance | $2,549 |
| Progressive | $3,259 |
| Auto Club Enterprises (AAA) | $4,291 |
Cheapest car insurance rates in Louisiana by driving record
The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.
Cheapest auto insurance for drivers with poor credit: USAA
USAA has the cheapest auto insurance for drivers with poor credit at about $7,313 annually. If you have poor credit, getting cheap car insurance can be challenging. But the only way to find affordable auto insurance is by shopping around and comparing quotes from multiple insurers.| Company | Average annual premium |
|---|---|
| USAA | $2,941 |
| Progressive | $5,739 |
| Geico | $6,872 |
| State Farm | $10,258 |
| Auto Club Entreprises | $10,754 |
Cheapest auto insurance for drivers with a speeding ticket: USAA
If you have a speeding ticket on your record, USAA offers the cheapest car insurance at about $4,318 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.
| Company | Average annual premium |
|---|---|
| USAA | $2,198 |
| State Farm | $2,425 |
| Progressive | $4,063 |
| Auto Club Entreprises | $5,518 |
| Geico | $7,387 |
Cheapest auto insurance after an at-fault accident : USAA
USAA offers the cheapest car insurance after an at-fault accident. Its average cost for Louisiana drivers is $5,070 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.| Company | Average annual premium |
|---|---|
| USAA | $2,579 |
| State Farm | $2,580 |
| Progressive | $5,399 |
| Auto Club Entreprises | $6,285 |
| Geico | $8,505 |
Cheapest auto insurance after a DUI : State Farm
If there exists DUI on your driving record, State Farm offers the cheapest auto insurance in Louisiana at $4,876 per year. To find the best deal, it is required to shop around and compare insurance quotes.
The table below lists the cheapest car insurance companies after DUI in Louisiana, along with their average annual premium.
| Company | Average annual premium |
|---|---|
| State Farm | $2,425 |
| USAA | $2,707 |
| Progressive | $4,548 |
| Auto Club Entreprises | $5,842 |
| Geico | $8,858 |
Average cost of car insurance in Louisiana
The average car insurance rate for full coverage in Louisiana is $2,487 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.
The state minimum average rate in Louisiana is $623 annually.
Compare car insurance by city in Louisiana
| Car Insurance in | Alexandria, LA |
| Car Insurance in | Atlanta, LA |
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