Best Louisiana Auto Insurance in 2024 (Check Out the Top 10 Companies)

The best Louisiana auto insurance can be found with State Farm, Allstate, and Progressive with rates starting at $33 per month. State Farm is the top pick, with affordable premiums and diverse policy options. Comparing auto insurance quotes ensures you get the best deal. Find out how much car insurance in Louisiana costs per month and save!

Our Top 10 Company Picks: Best Louisiana Auto Insurance

Our guide covers Louisiana’s auto insurance laws, rates, and coverage grace periods to help you find the best coverage. Start saving on your auto insurance by entering your ZIP code above and comparing quotes.

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#1 – State Farm: Top Overall Pick

Pros

• Extensive Coverage Options: State Farm offers a wide range of coverage options tailored to different needs.
• Strong Financial Stability: A financially stable company with a strong track record in paying claims promptly.
• Discount Opportunities: Numerous discounts available, including multi-policy and good student discounts. For discounts read our State Farm auto insurance discounts.

Cons

• Higher Premiums for Young Drivers: Young drivers may face higher premiums compared to some competitors.
• Variable Customer Service: Customer service experiences can vary depending on the local agent.

#2 – Allstate: Best for Customizable Polices

Pros

• Highly Customizable Policies: Allstate offers extensive options to tailor policies to specific needs.
• Innovative Tools: Features like Drivewise reward safe driving with potential premium discounts. Learn more about their discounts in our Allstate auto insurance review.
• Strong Digital Presence: Easy access to policy management and claims via mobile app.

Cons

• Higher Premiums: Can be more expensive compared to some competitors, especially for full coverage.
• Complex Discounts: Some discounts may require enrollment in specific programs or conditions.

#3 – Progressive: Best for Cheap Rates

Pros

• Competitive Pricing: Known for offering some of the lowest rates in the market.
• Snapshot Program: Discounts available based on driving habits tracked through their Snapshot program.
• Strong Online Experience: Progressive auto insurance review boasts the company’s excellent online and mobile app experience.

Cons

• Customer Service Concerns: Some customers report issues with claims processing and customer service.
• Limited Local Agents: Relies more on online and phone support, which may not suit all customers.

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#4 – Nationwide: Best for Many Discounts

Pros

• Wide Array of Discounts: Nationwide offers numerous discounts, including accident-free and defensive driving.
• Good Customer Service: Generally positive reviews for customer service and claims handling.
• Educational Resources: Provides tools and resources to help customers understand insurance options.
• Claims Service: Highly rated claims service. For more information, read our Nationwide auto insurance review.

Cons

• Higher Premiums: Premiums can be higher compared to discount-focused competitors.
• Coverage Options: Some policies may have less flexibility in coverage options compared to other providers.

#5 – Geico: Best for Usage Discount

Pros

• Online Convenience: Geico excels in online policy management and customer service, offering easy access to account information and support.
• Fast Claim Processing: Known for its efficient and straightforward claims process, providing quick resolutions for policyholders.
• Wide Range of Discounts: As mentioned in our Geico auto insurance review, the company offers significant savings through innovative programs like DriveEasy and Pay-Per-Mile, which adjust premiums based on driving habits.

Cons

• Limited Local Agents: Geico primarily operates through direct sales channels and online interactions, which may not suit customers preferring face-to-face interactions with local agents.
• Potentially Higher Renewal Rates: Some policyholders report premium increases upon policy renewal, which can offset initial savings garnered from discounts.

#6 – USAA: Best for Add-on Coverages

Pros

• Comprehensive Coverage: Offers extensive coverage options tailored for military members and their families.
• Excellent Customer Service:  As outlined in USAA auto insurance review, the company consistently receives high marks for customer satisfaction.
• Financial Stability: Known for its strong financial standing and reliability in paying claims.

Cons

• Membership Restrictions: Only available to military personnel, veterans, and their families.
• Limited Accessibility: Not available to the general public, limiting options for non-military individuals.

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#7 – American Family: Best for Military Savings

Pros

• KnowYourDrive Program: Provides a usage-based insurance program that rewards safe driving habits with potential discounts based on driving behavior.
• Strong Financial Stability: The company has a strong financial stability rating, ensuring reliability in handling claims and financial commitments.
• Innovative Programs: Features like KnowYourDrive reward safe driving habits with potential premium reductions. (Read More: American Family Auto Insurance Review).

Cons

• Limited Availability: American Family’s coverage options may be limited in certain regions, affecting accessibility for potential customers.
• Mixed Customer Service Reviews: Customer reviews vary regarding satisfaction with claims processing and overall customer service experience.

#8 – Farmers: Best for Student Savings

Pros

• Customizable Policies: Offers discounts and special rates for young drivers and students.
• Strong Claims Service: Highly rated for claims service. Check out this page Farmers auto insurance review to know more details.
• Local Agents: Strong network of local agents providing personalized service.

Cons

• Cost: Premiums may be higher compared to some competitors, especially for certain demographics.
• Claims Process: Some customers report challenges with claims processing and communication.

#9 – Liberty Mutual: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Offers accident forgiveness, which means your rates won’t increase after your first accident, helping to keep premiums stable.
• Tech-Driven Tools: As mentioned in our Liberty Mutual auto insurance review, the company provides convenient online tools for policy management and claims filing.
• Strong Financial Stability: Liberty Mutual has a strong financial rating, ensuring they can handle claims effectively and reliably.

Cons

• Premiums Can Be Higher: Liberty Mutual’s premiums may be higher compared to some competitors, particularly for drivers with less favorable driving records or specific risk factors.
• Mixed Customer Service Reviews: Customer reviews vary regarding overall satisfaction with claims processing and customer service responsiveness.

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#10 – Travelers: Best for Local Agents

Pros

• Variety of Coverage Options: Provides a range of coverage options, including standard policies and additional features like roadside assistance and rental car reimbursement.
• Strong Financial Ratings: As outlined in our Travelers auto insurance review, Travelers has strong financial stability ratings. A financially secure company with a strong track record.
• Local Agent Network: Travelers boasts a wide network of local agents, offering personalized service and support tailored to your specific needs.

Cons

• Limited Digital Tools: Some customers may find online and mobile services less robust compared to competitors.
• Higher Premiums: Premium rates may be higher compared to insurers with more discount-focused strategies.

Auto insurance rates in Monroe, LA can be affected by local factors such as traffic conditions and vehicle theft, leading to variations compared to nearby areas. For instance, the cost of auto insurance in Monroe may differ from auto insurance in West Monroe due to these regional influences.

Monroe, Louisiana Auto Insurance Monthly Rates by Provider & Coverage Level

To illustrate, monthly premiums for minimum coverage in Monroe range from $55 with Progressive to $64 with Liberty Mutual. For full coverage, the rates vary from $140 with Progressive to $170 with Travelers.

If you’re seeking the best rates, comparing auto insurance quotes in Monroe with those for auto insurance quotes in Slidell can help you find the most competitive options available. Gain deeper insights by perusing our article named, “Does auto insurance pay if my car is stolen?” Start saving on your auto insurance by entering your ZIP code below and comparing quotes

 

Cheapest Louisiana Auto Insurance Companies for Minimum and Full Coverage

For those seeking comprehensive protection, full coverage auto insurance offers extensive benefits following an accident but comes at a higher cost. Conversely, minimum coverage provides essential legal protection with lower premiums.

Monroe, Louisiana Auto Insurance Monthly Rates by Provider & Coverage Level

To manage costs effectively, consider getting auto insurance quotes in Bossier City or exploring options like auto insurance quotes in Houma and auto insurance quotes in Many. Comparing rates from leading providers, such as those offering auto insurance in Monroe, LA, or checking auto insurance quotes in Walker, can help you find the best balance between coverage and cost.

Additionally, reviewing auto insurance rates Monroe and auto insurance West Monroe LA can provide further insights. By examining these options, you can ensure you get the protection you need while staying within your budget. Explore further in our article titled “Cheap Auto Insurance After an Accident.” Get fast and cheap auto insurance coverage today with our quote comparison tool below.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cheapest Louisiana Auto Insurance Companies

To find the cheapest car insurance in Louisiana, we’ve outlined multiple factors that affect car insurance rates and listed which insurance companies are the cheapest for each factor, from minimum coverage to young driver insurance.

 

Cheapest Louisiana Auto Insurance Company for Minimum Coverage

Drivers who wish to lower their insurance costs may opt just to carry minimum liability auto insurance, which all Louisiana drivers must carry to drive legally. This can be a good option for drivers with old cars that aren’t worth much, although drivers with newer, more expensive cars should consider full coverage. 

Shopping around can make minimum insurance coverage cheaper, which leaves more room in your budget for full coverage. 

Liability Auto Insurance Rates by Provider

In Louisiana, Geico and USAA are some of the cheapest companies on average for minimum liability insurance. In contrast, the more expensive companies in Louisiana cost about $500 more than Geico and USAA. Learn more in our Geico auto insurance review.

Cheapest Louisiana Auto Insurance Company for Accidents

At-fault accidents on your record will raise your auto insurance rates in Louisiana, but how much they increase depends on your choice of insurance company. Below, you can see the average insurance rates in Louisiana after an at-fault accident. 

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

Progressive and Allstate have some of the most expensive rates after an at-fault accident, costing thousands of dollars more than companies like USAA. One of the best ways to improve your rates after an at-fault accident is to keep a clean driving record. You will see your rates start to decrease each year you go accident-free, making it easier to get cheap auto insurance in Louisiana. 

Find out more in our Progressive auto insurance review.

Cheapest Louisiana Auto Insurance Company for DUIs

DUIs are another infraction that will raise your insurance rates significantly. If your rate goes up by more than a few hundred, check to see if your insurance rates are still the cheapest. 

The cost of car insurance between companies can range in price by thousands of dollars for drivers with a DUI. USAA has some of the cheapest rates for DUI drivers, as do State Farm and Geico. 

Find out more in our USAA auto insurance review.

Cheapest Louisiana Auto Insurance Company for Drivers With Bad Credit 

Bad credit leads to higher rates at most insurance companies, as bad credit indicates drivers are at a higher risk of not making payments. Missed payments can result in canceled insurance and driving without insurance, which is illegal. However, not all insurance companies will raise rates significantly for poor credit scores. 

Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score

Geico and USAA have the cheapest rates, costing almost $10,000 less than companies like State Farm. If you find your rates have increased due to your credit score, work on improving your credit score and see if a different company will offer a better rate. 

Cheapest Louisiana Auto Insurance Company for Young Drivers

If young drivers have to purchase their own insurance policy because they can’t stay on their parents’ insurance, then finding a cheap auto insurance company is vital. Young drivers pay thousands more than older drivers; due to their inexperience, insurance companies label young drivers as high-risk.

Teen Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender

Young drivers should look into companies like USAA and Geico for insurance and avoid companies like Progressive in order to save thousands of dollars on auto insurance. 

Cheapest Louisiana Auto Insurance Company by City

Another factor that can affect car insurance rates is which city you live in. Insurance companies assess risks based on weather, crime, crashes, and more.

Car insurance in New Orleans, LA has the most expensive rates of all cities in Louisiana, costing thousands of dollars more on average than cities like Shreveport. Read more about Shreveport, LA auto insurance. Get plenty of car insurance quotes in Louisiana for the best deal.

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Louisiana Auto Insurance and DUI Laws

How much insurance you carry and any infractions like DUIs will affect your monthly insurance costs. Read on to learn about Louisiana’s insurance laws and DUI penalties. 

Louisiana Auto Insurance Requirements

Every driver in Louisiana must carry property damage and bodily injury (BIL) liability auto insurance as part of Louisiana car insurance requirements. If you cause an accident, bodily injury liability pays for any injuries to other parties, and property damage liability pays for any damages to other parties property.

All drivers must purchase the following limits: 

• Bodily Injury Liability Insurance: $15,000 per person and $30,000 per accident
• Property Damage Liability Insurance: $25,000 per accident

Read more about the best property damage liability (PDL) auto insurance companies.

These limits refer to the maximum amount your insurance will pay to other parties. So if you total another person’s car that is worth $30,000, your insurance will only pay $25,000 for damages, leaving you liable for the rest. So, we highly recommend drivers carry more than the minimum amount required in their state.

Optional Auto Insurance Coverages in Louisiana

While lenders require drivers with leases or loans on their cars to carry comprehensive or collision insurance, the following coverages are optional in Louisiana. 

• Comprehensive: Comprehensive auto insurance helps if your car is damaged in a non-accident-related event, like severe weather or vandalism. 
• Collision: Collision auto insurance helps pay for repairs if your car is damaged in an accident. Without collision coverage, you may have to pay for repairs to your vehicle out of pocket. 
• Gap Coverage: Gap insurance helps pay the difference between what you owe on your car and what your car is actually worth after depreciation. 
• Medical Payments (MedPay): MedPay pays for medical bills, doctor’s visits, and other medical costs associated with a covered event. 
• Roadside Assistance: Roadside assistance coverage helps if your car breaks down and you’re in need of certain assistance, like fuel services or flat tire repair.
• Uninsured/Underinsured Motorist Coverage: Uninsured motorist (UM) coverage allows you to be reimbursed after an accident by your own insurance company if the at-fault individual doesn’t carry proper Indiana-mandated liability coverage.
• Rental Car Reimbursement: Rental car reimbursement coverage pays for the cost of a rental vehicle up to a certain amount if your car is in the shop due to a covered event.

If you can afford to add optional coverages to your policy, we highly recommend carrying comprehensive and collision insurance. These coverages will pay for damages to your car after an accident.

DUI Penalties in Louisiana 

If you get a DUI in Louisiana, your insurance company will raise your rates to compensate for you now being a high-risk driver. However, you will also face the following penalties in Louisiana, all of which will cost you time and money. 

• Fines 
• Ignition Interlock Device (IID) 
• Jail Time 
• License Suspension 
• Probation and Substance Abuse Treatment
• SR-22 Certificate 

Penalties will increase in severity with each DUI, so a driver’s first DUI will be much less severe than a driver’s third DUI. 

SR-22 Auto Insurance in Louisiana 

Cheap SR-22 insurance isn’t a type of insurance, but rather a certificate your insurance company provides the state with that proves you are carrying the necessary insurance. If you are currently insured, you can request that your insurance company file the SR-22 certificate.

However, some insurance companies may drop you if you have to file an SR-22 certificate, as you are a high-risk driver. If you have to apply to new insurance companies for insurance, they may charge a fee to file the SR-22 insurance. 

In addition, if you don’t own a car, you will still need to purchase non-owner insurance to apply for the mandated SR-22 in Louisiana. Generally, non-owner car insurance is cheaper than standard coverage.

If you're borrowing a car🚗, the owner's insurance will likely cover you. But if you frequently drive a car not in your name, you may need a different plan 💡to ensure you're covered. https://t.co/27f1xf1ARb has provided an informational guide here👉: https://t.co/mw0HlAO68e pic.twitter.com/DTDvADITAx

— AutoInsurance.org (@AutoInsurance) September 12, 2023

So, you may find it easier to find cheap insurance in Louisiana when shopping for non-owner insurance. 

Find the Cheapest Auto Insurance in Louisiana Today

Find the cheapest Louisiana auto insurance by comparing quotes from the best auto insurance companies. While rates will be more expensive for drivers with DUIs, at-fault accidents, and other infractions on their driving records, comparing companies can save drivers money. Read more about auto insurance for drivers with a bad driving record.

Unveiling the Cost of Auto Insurance in Your City

Examine the varying costs of auto insurance in Louisiana cities. The table below highlights rates in Bastrop, Hammond, Shreveport, Baton Rouge, Lafayette, Singer, Deridder, Monroe, and Slidell.

Louisiana Auto Insurance Cost by City

Start saving on auto insurance in Louisiana by entering your ZIP code into our free quote comparison tool for the cheapest rates in your area.

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