- Average cost of car insurance in Louisiana
- Best car insurance companies in Louisiana
- Cheapest car insurance companies in Louisiana
- Cheapest car insurance cost in Louisiana by age
- Cheapest car insurance companies in Louisiana by driver profile
- Compare auto insurance rates by city in Louisiana
- Methodology
- Compare auto insurance rates with other states
Average cost of car insurance in Louisiana
The average car insurance rate 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.
Best car insurance companies in Louisiana
Geico is the best car insurance company in Louisiana, based on an analysis by Insurance.com, with an overall rating of 3.14.
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.
Company | AM Best | Avg. Annual Premium | J.D. Power | NAIC | Insurance.com score |
---|---|---|---|---|---|
Geico | A++ | $2,983 | 847 | 0.91 | 3.14 |
Progressive | A+ | $3,065 | 828 | 0.65 | 2.87 |
Farmers | A | $3,002 | 857 | 0.8 | 2.86 |
State Farm | A++ | $3,570 | 807 | 0.7 | 2.83 |
Auto Club Enterprises (AAA) | A+ | $3,473 | 819 | 2.21 | 2.04 |
Cheapest car insurance companies in Louisiana
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 price quotes from all the major Louisiana insurance providers and compiled 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 $2,121 annually or $177 a month, on average, for full coverage. USAA offers cheaper rates if you are eligible.
Company | State minimum liability | 50/100/50 liability | 100/300/100 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 |
USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
Average auto insurance rates in LouisianaMost & least expensive ZIP codes for auto insurance in Louisiana
Most Expensive
Zip Code | City | Highest Rate |
---|---|---|
70145 | New Orleans | $364 |
70146 | New Orleans | $364 |
70117 | New Orleans | $362 |
70116 | New Orleans | $344 |
Least Expensive
Zip Code | City | Lowest Rate |
---|---|---|
71071 | Sarepta | $169 |
71001 | Arcadia | $169 |
71064 | Plain Dealing | $170 |
71426 | Fisher | $171 |
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 $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.
Age | Company | Avg annual premium |
---|---|---|
Teens (16-19) | Southern Farm Bureau | $4,538 |
Teens (16-19) | USAA* | $5,083 |
Teens (16-19) | Safeway Insurance | $7,912 |
Teens (16-19) | LA Farm Bureau | $8,833 |
Teens (16-19) | State Farm | $9,805 |
Teens (16-19) | Progressive | $9,849 |
Teens (16-19) | Geico | $10,586 |
Teens (16-19) | Farmers | $11,215 |
Teens (16-19) | Auto Club Enterprises (AAA) | $11,240 |
Teens (16-19) | Allstate | $14,679 |
Young Adults (20-24) | USAA* | $2,878 |
Young Adults (20-24) | Southern Farm Bureau | $3,144 |
Young Adults (20-24) | Geico | $4,583 |
Young Adults (20-24) | Safeway Insurance | $4,694 |
Young Adults (20-24) | Progressive | $4,850 |
Young Adults (20-24) | LA Farm Bureau | $5,218 |
Young Adults (20-24) | Farmers | $5,482 |
Young Adults (20-24) | State Farm | $5,573 |
Young Adults (20-24) | Auto Club Enterprises (AAA) | $5,632 |
Adults (25-60) | USAA* | $2,000 |
Adults (25-60) | Southern Farm Bureau | $2,231 |
Adults (25-60) | Geico | $2,932 |
Adults (25-60) | LA Farm Bureau | $2,969 |
Adults (25-60) | Farmers | $2,998 |
Adults (25-60) | Progressive | $3,044 |
Adults (25-60) | Safeway Insurance | $3,121 |
Adults (25-60) | Auto Club Enterprises (AAA) | $3,536 |
Adults (25-60) | State Farm | $3,566 |
Seniors (65-75) | USAA* | $2,045 |
Seniors (65-75) | Southern Farm Bureau | $2,363 |
Seniors (65-75) | Farmers | $2,634 |
Seniors (65-75) | Safeway Insurance | $2,797 |
Seniors (65-75) | Geico | $2,817 |
Seniors (65-75) | LA Farm Bureau | $2,874 |
Seniors (65-75) | Progressive | $2,994 |
Seniors (65-75) | State Farm | $3,472 |
Seniors (65-75) | Auto Club Enterprises (AAA) | $3,635 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Louisiana by driver profile
Drivers with 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 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.
Company | Clean record | Accident | Speeding Ticket |
---|---|---|---|
USAA* | $1,733 | $2,961 | $2,291 |
State Farm | $2,270 | $2,580 | $2,425 |
Progressive | $3,117 | $6,018 | $4,304 |
Auto Club Enterprises (AAA) | $4,094 | $7,283 | $6,094 |
Geico | $4,771 | $9,161 | $8,493 |
*USAA offers car insurance only to military members, veterans and their families.
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.
City | Annual insurance premium |
---|---|
Alexandria | $3,256 |
Atlanta | $2,597 |
Baton Rouge | $3,166 |
New Orleans | $2,949 |
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.
Compare auto insurance rates with other states
- Cheapest home and auto insurance bundle in Louisiana
- Louisiana homeowners insurance crisis: What you need to know
- Louisiana gap insurance: Everything you need to know
- Best condo insurance in Louisiana
- Best and cheapest renters insurance in Louisiana
- Best and cheapest homeowners insurance in Louisiana for 2024