Cheap Auto Insurance for High-Risk Drivers in Louisiana (Best 10 Companies for Savings in 2024)
State Farm, USAA, and Progressive are the top insurers for cheap auto insurance for high-risk drivers in Louisiana, with the affordable rates at $36/mo. These top providers excels in serving military members and they stands out for its qualifying coverage and customer service for high-risk drivers in Louisiana.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: Aug 27, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The top insurer for the cheap auto insurance for high-risk drivers in Louisiana is with State Farm, USAA, and Progressive, offering affordable rates at $36 per month.
These top three providers not only offer competitive rates but also ensure quality coverage and exceptional support tailored for high-risk drivers in Louisiana.
Our Top 10 Company Picks: Cheap Auto Insurance for High-Risk Drivers in Louisiana
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $36 B Customer Service State Farm
#2 $42 A++ Military Members USAA
#3 $68 A+ Qualifying Coverage Progressive
#4 $77 A++ Online Tools Geico
#5 $78 A Costco Members American Family
#6 $87 A++ Bundling Policies Travelers
#7 $110 A+ Minimum Coverage Safe Auto
#8 $115 A+ Free SR-22 Dairyland
#9 $125 A High-Risk Coverage The General
#10 $132 A Unique Benefits Liberty Mutual
By comparing quotes from these companies, you can find the best possible deal on Louisiana high-risk auto insurance and ensure you get both value and quality in your coverage.
Avoid expensive auto insurance premiums by entering your ZIP code above to see the cheapest rates for you.
- State Farm is the top pick for cheap high-risk drivers in Louisiana
- High-risk drivers in Louisiana can get quality coverage starting at $36/month
- Compare quotes from top providers to find the best deal for your auto insurance
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#1 – State Farm: Top Overall Pick
Pros
- Outstanding Support: State Farm is known for its excellent support for high-risk drivers in Louisiana, providing a smooth insurance experience. Find out more in our State Farm review.
- Cheap Minimum Coverage: For high-risk drivers in Louisiana, State Farm offers some of the most budget-friendly rates starting at $36/month.
- Diverse Policy Options: State Farm provides a broad spectrum of policy options that accommodate the unique needs of high-risk drivers in Louisiana, including various add-ons and endorsements.
Cons
- Strict Underwriting: State Farm’s strict underwriting may still make it difficult for high-risk drivers in Louisiana to secure coverage, despite their strong customer service.
- Policy Availability May Vary: Access to specialized high-risk insurance policies from State Farm might be inconsistent depending on the driver’s specific situation in Louisiana.
#2 – USAA: Best for Military Members
Pros
- Consistently Low Rates: USAA is known for offering some of the lowest auto insurance rates for high-risk drivers in Louisiana, helping to reduce the financial burden of higher premiums.
- Exceptional Member-Only Discounts: High-risk drivers in Louisiana who are eligible for USAA can take advantage of exclusive discounts designed specifically for military-affiliated individuals.
- Strong Reputation for Service: USAA is known for its excellent service, making it a great option for high-risk drivers in Louisiana needing reliable support, which you can learn about in our USAA review.
Cons
- Limited Physical Locations: For high-risk drivers in Louisiana who prefer in-person service, USAA’s lack of local branches may be a disadvantage, as most services are handled online or over the phone.
- Limited Non-Military Incentives: High-risk drivers in Louisiana who are not eligible for military-related benefits may find fewer incentive opportunities with USAA.
#3 – Progressive: Best for Qualifying Coverage
Pros
- Qualifying Coverage: Progressive provides flexible coverage tailored for high-risk drivers in Louisiana. For a complete list, read our Progressive review.
- Discounts Based on Driving Behavior: Progressive Snapshot provides potential savings through usage-based insurance for high-risk drivers in Louisiana who demonstrate safe driving habits.
- Incentives for Academic Achievements: Young drivers are considered high-risk in Louisiana , but those with good grades get 10% off their insurance and more.
Cons
- Potentially Higher Rates for Severe Risks: High-risk drivers in Louisiana with more severe driving issues might encounter higher premiums with Progressive compared to other insurers.
- Limited Availability of Certain Discounts: Some discounts offered by Progressive may not be available to all high-risk drivers in Louisiana, depending on their driving history or other factors.
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#4 – Geico: Best for Online Tools
Pros
- Highly Competitive Pricing: Geico is known for offering affordable high-risk auto insurance in Louisiana starting at $77/month.
- Broad Accessibility: Geico’s extensive online network and straightforward application process make it a viable option for a wide range of high-risk drivers in Louisiana.
- Efficient Claims Process: Geico’s fast online claims process helps high-risk drivers in Louisiana resolve issues quickly. Read more in our review of Geico.
Cons
- Less Personalized Service: The emphasis on low-cost solutions at Geico might result in less personalized customer service for high-risk drivers in Louisiana.
- Limited Discounts: Geico’s online tools may lack discounts for high-risk drivers, leading to potentially higher costs compared to competitors.
#5 – American Family: Best for Costco Members
Pros
- Exclusive Savings for Costco Members: American Family provides special discounts for Costco members, which can be especially beneficial for high-risk drivers in Louisiana.
- Customizable Insurance Packages: High-risk drivers in Louisiana can get tailored insurance packages from American Family to meet their specific needs. Learn more in our American Family review.
- Solid Support Network: American Family provides strong customer service, which can be a significant benefit for high-risk drivers in Louisiana seeking reliable assistance.
Cons
- Membership-Based Discounts: To access certain discounts, high-risk drivers in Louisiana must be Costco members, which might not apply to everyone.
- Limited High-Risk Focus: American Family’s standard policies may not cater as well to the needs of high-risk drivers in Louisiana as specialized insurers do.
#6 – Travelers: Best for Bundling Policies
Pros
- Savings Through Policy Bundling: Travelers offers cost-saving opportunities through policy bundling, which can be beneficial for high-risk drivers in Louisiana needing multiple types of insurance.
- Extensive Coverage Options: High-risk drivers in Louisiana can find tailored coverage options with Travelers, which you can check out in our Travelers review.
- Discounts for New and Hybrid Vehicles: Travelers provides discounts for drivers of new or hybrid vehicles, which can be advantageous for high-risk drivers in Louisiana who own such cars.
Cons
- Higher Premiums for Severe High-Risk Cases: Travelers may have elevated premiums for high-risk drivers in Louisiana with more severe driving records, potentially impacting affordability.
- Complex Bundling Process: While bundling policies can offer savings, it may also create a more complicated policy management experience for high-risk drivers in Louisiana.
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#7 – SafeAuto: Best for Minimum Coverage
Pros
- No-Frills Coverage: SafeAuto’s focus on minimum coverage can be advantageous for high-risk drivers in Louisiana who are seeking to meet legal requirements at a lower cost.
- Accessibility for Basic Coverage Needs: SafeAuto insurance policies are designed to be accessible for high-risk drivers in Louisiana who need essential coverage without additional complexities.
- Quick Policy Issuance: High-risk drivers in Louisiana can quickly obtain coverage through SafeAuto, which is beneficial for those needing immediate insurance.
Cons
- Less Comprehensive Support: SafeAuto may not offer as extensive support for high-risk drivers in Louisiana compared to other insurers that provide more comprehensive coverage options.
- Potential Variability in Customer Service: The quality of customer service at SafeAuto may vary, which can affect the overall satisfaction of high-risk drivers in Louisiana.
#8 – Dairyland: Best for Free SR-22 Filings
Pros
- Free SR-22 Filings: Dairyland will process SR-22 auto insurance for free for high-risk drivers in Louisiana who need it. It costs between $15-$30 at other companies.
- Adaptable Insurance Policies: High-risk drivers in Louisiana can benefit from Dairyland’s flexible insurance policies, which you can read more about in our review of Dairyland.
- Competitive Rates for Diverse Needs: Dairyland provides competitive rates, which can help high-risk drivers in Louisiana manage their insurance expenses effectively.
Cons
- Higher Rates: Because Dairyland focuses on high-risk car insurance, Louisiana drivers will likely find cheaper coverage elsewhere.
- Limited Standard Coverage Options: High-risk drivers in Louisiana may find that Dairyland’s standard offerings do not fully address their insurance needs compared to more comprehensive providers.
#9 – The General: Best for High-Risk Coverage
Pros
- Targeted Coverage for High-Risk Drivers: The General specializes in coverage for high-risk drivers in Louisiana, addressing specific challenges and risks.
- Flexible Payment Plans: High-risk drivers in Louisiana can benefit from The General’s flexible payment options, making insurance more manageable financially. Discover our The General review for a full list.
- Accessible Insurance Solutions: The General’s policies are designed to be accessible for high-risk drivers in Louisiana, including those with problematic driving histories.
Cons
- Fewer Discounts Available: The General may offer fewer discounts for high-risk drivers in Louisiana, which could limit opportunities to reduce overall insurance costs.
- Variable Customer Service: The quality of customer service at The General can be inconsistent, which might affect the experience of high-risk drivers in Louisiana.
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#10 – Liberty Mutual: Best for Unique Benefits
Pros
- Unique Coverage Perks: Liberty Mutual provides unique benefits and discounts for high-risk drivers in Louisiana. Learn more in our Liberty Mutual review.
- Highly Customizable Policies: High-risk drivers in Louisiana can benefit from Liberty Mutual’s highly customizable insurance plans that can be tailored to individual needs.
- Bundling Discounts: Liberty Mutual provides discounts for bundling multiple policies, which can be advantageous for high-risk drivers in Louisiana who need comprehensive coverage.
Cons
- Potentially Higher Premiums: Liberty Mutual’s specialized coverage and benefits might come with higher premiums for high-risk drivers in Louisiana.
- Complex Policy Management: The extensive range of customizable options might lead to a more complex policy management process for high-risk drivers in Louisiana.
Monthly Auto Insurance Rates for High-Risk Drivers in Louisiana
What are the recommended auto insurance coverage levels? Louisiana law requires at least 15/20/25 in liability coverage, but you’ll need to carry more if you’re leasing your vehicle. This table compares monthly high-risk insurance rates in Louisiana across various providers, showing both minimum and full coverage costs.
Louisiana High-Risk Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
American Family $78 $292
Dairyland $115 $240
Geico $77 $288
Liberty Mutual $132 $295
Progressive $68 $253
Safe Auto $110 $235
State Farm $36 $135
The General $125 $250
Travelers $87 $325
USAA $42 $156
Rates vary significantly, with State Farm offering the lowest rates for both coverage levels, while Travelers has the highest. For minimum coverage, State Farm’s rate is $36/month, while for full coverage, it’s $135/month. In contrast, Travelers’ monthly rates are $87 for minimum coverage and $325 for full.
State Farm consistently offers the best rates and comprehensive coverage for high-risk drivers in Louisiana.Michelle Robbins Licensed Insurance Agent
Navigating auto insurance as a high-risk driver in Louisiana can be challenging, but understanding your options for coverage can help you save significantly. Learn more in our guide to different types of auto insurance.
Unpacking the High Costs of Louisiana’s High-Risk Auto Insurance
Understanding what drives high-risk auto insurance costs is also crucial. Factors such as credit score, vehicle type, location, and driving history play significant roles in determining insurance premiums:
- Credit Score: In Louisiana, insurance companies may use credit scores to assess risk. Learn how credit scores affect auto insurance rates.
- Vehicle Type: The make, model, and age of the vehicle impact insurance costs. High-risk drivers with expensive or high-performance cars often face higher premiums.
- Location: Insurance rates can vary by geographic location within Louisiana. Areas with higher crime rates or more traffic congestion can lead to higher insurance costs for high-risk drivers.
- Driving History: A record of accidents, traffic violations, or previous claims can significantly increase premiums. High-risk drivers with a history of these issues often face higher rates.
Louisiana is one of the most expensive states for car insurance, and being a high-risk driver will only increase your insurance costs. That’s because having accidents or speeding tickets on your record leads insurers to believe that you’re more likely to be in an accident.
By being aware of these factors, high-risk drivers in Louisiana can better navigate their insurance options. Whether it’s improving your driving record or adjusting coverage levels, understanding how these elements affect your costs can help you find the most suitable and affordable high-risk insurance policy.
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Strategies to Lower High-Risk Insurance Premiums in Louisiana
By comparing rates and available discounts, high-risk drivers in Louisiana can better manage their insurance costs. Explore these savings opportunities to find the best coverage that suits your needs and budget.
American Family, Geico, and State Farm offer discounts for good drivers and defensive driving courses. Dairyland and Safe Auto provide savings for multi-policy holders and safety features. Liberty Mutual and USAA include military discounts, while Progressive offers usage-based and good student discounts. Travelers supports hybrid or new car owners.
If you’re a high-risk driver in Louisiana, the best ways to lower your auto insurance rates are by improving driving habits, taking defensive driving courses, and comparing quotes from multiple insurers. Opting for a higher deductible, bundling policies, and maintaining a good credit score can positively impact premiums.
Premier Auto Insurance Providers for High-Risk Drivers in Louisiana
State Farm, USAA, and Progressive stand out as the best auto insurance companies for high-risk drivers in Louisiana. Cheap auto insurance for high-risk drivers in Louisiana starts at $36 per month with State Farm.
To reduce insurance costs, high-risk drivers should consider improving driving habits, taking defensive driving courses, comparing quotes, opting for higher deductibles, and maintaining a good credit score. Discounts for good driving, multi-policy bundling, and safety features will also lower high-risk car insurance rates in Louisiana.
Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.
Frequently Asked Questions
How much is high-risk insurance in Louisiana?
High-risk insurance in Louisiana typically starts at around $36 per month for basic coverage, though rates can vary significantly based on factors like driving history, credit score, and vehicle type. Providers such as State Farm, USAA, and Progressive offer competitive rates for high-risk drivers.
Who has the cheapest auto insurance in Louisiana?
State Farm is often cited as having some of the cheapest auto insurance rates for high-risk drivers in Louisiana. However, it’s crucial to compare quotes from multiple providers, including USAA, Progressive, and Geico, to find the best rate for your specific situation.
Enter your ZIP code below to get personalized insurance quotes tailored to your needs and budget.
What is the best high-risk insurance?
For high-risk drivers in Louisiana, State Farm, USAA, and Progressive are considered among the best options. They offer competitive rates and quality coverage tailored for high-risk situations, including comprehensive auto insurance and affordable policy options.
Who has the cheapest insurance rates in Louisiana?
State Farm frequently offers the lowest insurance rates in Louisiana, especially for high-risk drivers. To ensure you get the most affordable rate, it’s advisable to compare quotes from several insurers and consider factors like discounts and coverage options.
What auto insurance is required in Louisiana?
In Louisiana, drivers are required to have liability insurance with minimum coverage levels of $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $25,000 for property damage. This is to ensure that drivers can cover damages and injuries they cause in an accident.
What is full coverage insurance in Louisiana?
Full coverage insurance in Louisiana typically includes liability coverage as well as comprehensive and collision insurance. Comprehensive covers damage to your vehicle from non-collision events (e.g., theft, vandalism), while collision covers damage from accidents, regardless of fault.
How much is the average insurance in Louisiana?
The average car insurance rate in Louisiana varies but is generally higher than the national average due to factors like high accident rates and weather conditions.
Is it illegal to not have auto insurance in Louisiana?
Yes, it is illegal to drive without auto insurance in Louisiana. The state requires all drivers to carry at least the minimum liability insurance to legally operate a vehicle and avoid penalties, fines, and potential vehicle impoundment.
How much is car insurance in Louisiana per month?
Monthly car insurance rates in Louisiana can vary widely based on factors like coverage level and driver profile. For high-risk drivers, rates can start at around $36 for basic coverage, while full coverage may cost more, with averages around $135 per month.
Why does Louisiana have such high auto insurance?
Louisiana has some of the highest car insurance rates in the country due to factors like frequent severe weather, high rates of uninsured drivers, and a high incidence of accidents. These factors contribute to higher overall costs for insurance in the state.
Wondering if another provider has lower rates? Find out by entering your ZIP code into our free quote comparison tool below.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
