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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 $2,969 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.

Cheapest car insurance companies in Louisiana

United Svcs Automobile is the cheapest car insurance company in Louisiana that offers full coverage policy at about $1,364 per year or $114 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.

CompanyAverage annual premiumAverage monthly premium
United Svcs Automobile Assn$1,364$114
State Farm Mutl Automobile Ins$2,270$189
Progressive Security$2,838$236
Metropolitan P&C$2,859$238
Automobile Club Inter-Ins$4,094$341
GEICO Casualty Co$4,387$366

Cheapest car insurance for teens in Louisiana

Louisiana Farm Bureau Cas is the cheapest car insurance provider for teen drivers in Louisiana. It offers insurance at about $5,657 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.

CompanyAverage annual premium
Louisiana Farm Bureau Cas$5,657
State Farm Mut Auto$6,461
Allstate Prop & Cas$6,848
Geico Cas Co$7,778
Safeway Of LA$8,024
Progressive Security$14,274

Cheapest car insurance for young drivers in Louisiana

The cheapest car insurance company for young drivers in Louisiana is Geico at about $2,644 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.

CompanyAverage annual premium
Geico Cas Co$2,644
State Farm Mut Auto$3,933
Louisiana Farm Bureau Cas$4,077
Allstate Prop & Cas$4,127
Progressive Security$4,130
Safeway Of LA$4,853

Cheapest car insurance for adults in Louisiana

According to Insurance.com's rate analysis, Geico offers the cheapest car insurance for adults in Louisiana. Its average rate is $1,998 annually.

Below are the companies that offer cheap insurance rates for adult drivers in Louisiana.

CompanyAverage annual premium
Geico Cas Co$1,998
Louisiana Farm Bureau Cas$2,241
State Farm Mut Auto$2,499
Progressive Security$2,559
Safeway Of LA$2,890
Allstate Prop & Cas$2,903

Cheapest car insurance for seniors in Louisiana

Geico offers the cheapest car insurance for seniors in Louisiana. The average annual premium offered is $2,026. 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:

CompanyAverage annual premium
Geico Cas Co$2,026
Louisiana Farm Bureau Cas$2,105
Progressive Security$2,312
State Farm Mut Auto$2,471
Safeway Of LA$2,504
Allstate Prop & Cas$2,925

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: United

United has the cheapest auto insurance for drivers with poor credit at about $3,005 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.

CompanyAverage annual premium
United$3,005
Progressive$6,232
Metropolitan$7,283
Geico$7,512
State Farm$10,449
Automobile Club Inter-Ins$11,046

Cheapest auto insurance for drivers with a speeding ticket: United

If you have a speeding ticket on your record, United offers the cheapest car insurance at about $2,384 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.

CompanyAverage annual premium
United$2,384
State Farm$2,462
Progressive$4,362
Automobile Club Inter-Ins$5,799
Metropolitan$6,851
Geico$8,547

Cheapest auto insurance after an at-fault accident : State Farm

State Farm offers the cheapest car insurance after an at-fault accident. Its average cost for Louisiana drivers is $2,619 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.

CompanyAverage annual premium
State Farm$2,619
United$2,708
Progressive$5,758
Metropolitan$5,852
Automobile Club Inter-Ins$6,483
Geico$9,407

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 $2,462 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.

CompanyAverage annual premium
State Farm$2,462
United$2,954
Progressive$4,833
Automobile Club Inter-Ins$6,024
Metropolitan$8,094
Geico$9,616

Average cost of car insurance in Louisiana

The average car insurance rate for full coverage in Louisiana is $2,969 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 $693 annually.

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