- Best car insurance companies in Louisiana: Geico
- Cheapest car insurance companies in Louisiana: Southern Farm Bureau
- Average cost of car insurance in Louisiana
- Minimum car insurance requirements in Louisiana
- Cheapest car insurance companies for minimum liability coverage 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
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 3.14. Progressive, 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.
| Company | AM Best | J.D. Power | NAIC | Insurance.com score | Avg. Annual Premium |
|---|---|---|---|---|---|
| Geico | A++ | 847 | 0.91 | 3.14 | $2,983 |
| Progressive | A+ | 828 | 0.65 | 2.87 | $3,065 |
| Farmers | A | 857 | 0.8 | 2.86 | $3,002 |
| State Farm | A++ | 807 | 0.7 | 2.83 | $3,570 |
| Auto Club Enterprises (AAA) | A+ | 819 | 2.21 | 2.04 | $3,473 |
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.
| 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.
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
Most & least expensive ZIP codes for auto insurance in Louisiana
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 70043 | Chalmette | $304 |
| 70780 | St. Gabriel | $303 |
| 70801 | Baton Rouge | $301 |
| 70093 | Belle Chasse | $301 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 71439 | Hornbeck | $217 |
| 71052 | Mansfield | $217 |
| 71071 | Sarepta | $217 |
| 71429 | Florien | $219 |
Minimum car insurance requirements in Louisiana
You need car insurance with minimum coverage levels of 15/30/25 in Louisiana, which costs $711 each year or $59 each month.
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.
| Company | Liability insurance premium | Monthly 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
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. In Louisiana, State Farm offers the cheapest car insurance rates for drivers with an accident, at $2,580 per year. While the USAA is the cheapest auto insurance company for drivers with a speeding ticket at $2,291 per year, it caters to the military community. State Farm is the second cheapest car insurance company for drivers with a speeding ticket at $2,425 per year.
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.
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