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Southern Farm Bureau offers the cheapest auto insurance rates in Louisiana at about $1,478 a year or $123 monthly, on average, which is below the average Louisiana car insurance rate of $2,487 a year. 

Cheap isn’t everything, and an Insurance.com analysis of rates, complaints, and financial stability found Geico to be the best insurance company in Louisiana.

Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your average annual car insurance cost. 

Read on to compare Louisiana insurance rates by company, age, and more.

Key takeaways

  • Geico is the best car insurance company in Louisiana overall, with below-average rates and a low complaint ratio.
  • Southern Farm Bureau is the cheapest car insurance company in Louisiana at $1,478 per year.
  • Southern Farm Bureay has the cheapest car insurance rates for teen drivers in Louisiana. 

Average cost of car insurance in Louisiana

The average car insurance rate in Louisiana is $2,487 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Louisiana is $623.

Best car insurance companies in Louisiana

Geico is the best car insurance company in Louisiana, based on a 2023 analysis by Insurance.com, with an overall rating of 4.28. 

USAA came in second, but is only available to military members and their families.  

Below is a full 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 companies in Louisiana
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
USAAA++$ 1,6760.994.44
GeicoA++$ 2,2390.774.28
State FarmA++$ 2,1810.524.18
ProgressiveA+$ 3,0260.733.57
Auto Club Enterprises (AAA)A+$ 4,0020.922.9

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

Cheapest car insurance companies in Louisiana

Don't just go with the first insurer you come across. 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 in rates from one company to another.

We have gathered price quotes from all the major insurance providers in Louisiana and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Southern Farm Bureau is the cheapest auto insurance company in Louisiana, with average rates of $1,478 annually or $123 a month, on average, for full coverage. 

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
Southern Farm Bureau$ 333$ 656$ 1,478
USAA*$ 484$ 803$ 1,676
State Farm$ 531$ 1,012$ 2,181
Geico$ 448$ 920$ 2,239
Safeway Insurance$ 1,075$ 1,509$ 2,810
Progressive$ 647$ 1,255$ 3,026
Auto Club Enterprises (AAA)$ 845$ 1,874$ 4,002

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

Auto insurance calculator

Average auto insurance rates in Alabama
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Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

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Cheapest car insurance cost in Louisiana by age

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 $3,499 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 $1,606 per year and $1,652 per year, respectively.  

Cheapest car insurance by age in Louisiana
Age (group) Company Group Avg. Annual Premium
Teens (16-19)Southern Farm Bureau$ 3,499
Teens (16-19)USAA$ 4,326
Teens (16-19)State Farm$ 5,635
Teens (16-19)Geico$ 6,757
Teens (16-19)Safeway Insurance$ 6,802
Teens (16-19)Progressive$ 16,915
Teens (16-19)Auto Club Enterprises (AAA)$ 21,062
Young Adults (20-24)Southern Farm Bureau$ 2,309
Young Adults (20-24)USAA$ 2,446
Young Adults (20-24)State Farm$ 3,374
Young Adults (20-24)Geico$ 3,776
Young Adults (20-24)Safeway Insurance$ 4,516
Young Adults (20-24)Progressive$ 5,060
Young Adults (20-24)Auto Club Enterprises (AAA)$ 7,279
Adults (25-55)Southern Farm Bureau$ 1,606
Adults (25-55)USAA$ 1,720
Adults (25-55)State Farm$ 2,210
Adults (25-55)Geico$ 2,523
Adults (25-55)Safeway Insurance$ 2,833
Adults (25-55)Progressive$ 3,140
Adults (25-55)Auto Club Enterprises (AAA)$ 4,095
Seniors (60-75)Southern Farm Bureau$ 1,652
Seniors (60-75)USAA$ 1,698
Seniors (60-75)State Farm$ 2,161
Seniors (60-75)Geico$ 2,237
Seniors (60-75)Safeway Insurance$ 2,490
Seniors (60-75)Progressive$ 3,064
Seniors (60-75)Auto Club Enterprises (AAA)$ 4,291

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

Cheapest car insurance companies in Louisiana by driver profile

Drivers who have accidents or tickets are considered a higher risk and will pay more for car insurance. 

The severity and frequency of the incidents also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to 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 companies for tickets and accidents in Louisiana 
CompanyClean recordAccidentTicket
USAA*$ 1,730$ 2,579$ 2,198
State Farm$ 2,270$ 2,580$ 2,425
Progressive$ 3,020$ 5,399$ 3,959
Auto Club Enterprises$ 4,094$ 6,285$ 5,518
Geico$ 4,492$ 8,505$ 6,515

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


Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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: 


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 


  • 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.  

Compare auto insurance rates by city in Louisiana

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