Louisiana Auto Insurance (2023)
Louisiana car insurance is more expensive than the national average, but comparing rates can help you find the best price.
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UPDATED: Dec 21, 2022
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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: Dec 21, 2022
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.
On This Page
- All Louisiana drivers must carry bodily injury and property damage liability insurance
- It can be harder for drivers to find cheap car insurance with infractions like DUIs
- Drivers should compare quotes to find the cheapest rates
Searching for cheap car insurance in Louisiana isn’t as simple as googling the best auto insurance companies.
While a Louisiana auto insurance company may be advertised as cheap, it can be more expensive for drivers with certain infractions on their record or for drivers who want additional insurance coverage.
To help guide you through which companies are actually the cheapest in Louisiana, we will go over everything from the cheapest companies for minimum liability insurance to the cheapest companies for DUIs.
Table of Contents
Cheap Auto 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 for Minimum Liability Insurance
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.
Insurance Company | Average Minimum Coverage Rates | |
---|---|---|
Allstate | $61 | |
American Family | $44 | |
Farmers | $53 | |
Geico | $31 | |
Liberty Mutual | $68 | |
Nationwide | $44 | |
Progressive | $39 | |
State Farm | $33 | |
Travelers | $37 | |
Average | $45 | |
Get Your Rates Quote Now |
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 for Full Coverage Insurance
Full coverage auto insurance better protects drivers after an accident, but it comes with a higher price tag. However, choosing one of the cheaper companies can reduce your rates.
Insurance Company | Average Full Coverage Rates | |
---|---|---|
Allstate | $160 | |
American Family | $117 | |
Farmers | $139 | |
Geico | $80 | |
Liberty Mutual | $173 | |
Nationwide | $115 | |
Progressive | $105 | |
State Farm | $86 | |
Travelers | $99 | |
Average | $120 | |
Get Your Rates Quote Now |
The cost difference between the cheapest and most expensive companies can be thousands of dollars. For example, Allstate’s average rate is well over $2,000 more than USAA’s average rate in Louisiana.
Cheapest for At-Fault Accident Insurance
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.
Insurance Company | Rates with an Accident | Rates with a Clean Record | ||
---|---|---|---|---|
Allstate | $225 | $160 | ||
American Family | $176 | $117 | ||
Average | $172 | $120 | ||
Farmers | $198 | $139 | ||
Geico | $132 | $80 | ||
Liberty Mutual | $234 | $173 | ||
Nationwide | $161 | $115 | ||
Progressive | $186 | $105 | ||
State Farm | $102 | $86 | ||
Travelers | $139 | $99 | ||
Get Your Rates Quote Now |
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 for DUI Insurance
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.
Insurance Company | Rates with a DUI | Rates with a Clean Record | ||
---|---|---|---|---|
State Farm | $112 | $86 | ||
Progressive | $140 | $105 | ||
Farmers | $192 | $139 | ||
American Family | $194 | $117 | ||
Travelers | $206 | $99 | ||
Geico | $216 | $80 | ||
Nationwide | $234 | $115 | ||
Allstate | $270 | $160 | ||
Liberty Mutual | $313 | $173 | ||
Average | $209 | $120 | ||
Get Your Rates Quote Now |
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 Insurance 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.
Insurance Company | Rates with Poor Credit | Rates with Fair Credit | Rates with Good Credit |
---|---|---|---|
American Family | $203 | $136 | $116 |
Average | $226 | $148 | $123 |
Farmers | $269 | $161 | $140 |
Geico | $148 | $100 | $82 |
Liberty Mutual | $355 | $226 | $177 |
Nationwide | $166 | $133 | $120 |
Progressive | $206 | $138 | $109 |
State Farm | $200 | $118 | $91 |
Travelers | $194 | $128 | $107 |
USAA | $129 | $76 | $63 |
Get Your Rates Quote Now |
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 for Young Driver Insurance
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. Learn how to find cheap auto insurance rates online.
Insurance Company | 16-Year-Old Male With a Clean Record | 16-Year-Old Female With a Clean Record | 18-Year-Old Male with a Clean Record | 18-Year-Old Female with a Clean Record |
---|---|---|---|---|
Allstate | $638 | $608 | $519 | $448 |
American Family | $480 | $390 | $390 | $288 |
Farmers | $742 | $778 | $603 | $573 |
Geico | $312 | $298 | $254 | $220 |
Liberty Mutual | $778 | $716 | $633 | $528 |
Nationwide | $476 | $411 | $387 | $303 |
Progressive | $814 | $801 | $662 | $591 |
State Farm | $349 | $311 | $284 | $229 |
Travelers | $897 | $709 | $729 | $523 |
Average | $610 | $558 | $496 | $411 |
Get Your Rates Quote Now |
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 Cities in Louisiana for Insurance
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.
New Orleans is the most expensive city for car insurance, costing thousands of dollars more on average than cities like Shreveport. If you live in New Orleans, make sure to get plenty of car insurance quotes to make sure you are getting the best deal.
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Louisiana 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.
Minimum Insurance Required in Louisiana
Every driver in Louisiana must carry bodily injury and property damage liability insurance. If you cause an accident, bodily injury liability will pay for any injuries to other parties, and property damage liability will pay 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
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. Because of this, we highly recommend drivers carry more than the minimum amount required in their state.
Optional 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 coverage. This coverage helps if your car is damaged in a non-accident-related event, like severe weather or vandalism.
- Collision coverage. Collision coverage 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. This 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. This coverage allows you to be reimbursed after an accident by your own insurance company if the at-fault individual does not carry proper Indiana-mandated liability coverage.
- Rental car reimbursement. If your car is in the shop due to a covered event, your insurance company will reimburse you for the cost of a rental vehicle up to a certain amount.
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 Insurance in Louisiana
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 in order to apply for the mandated SR-22 insurance. Non-owner car insurance is often cheaper than regular insurance, so you may find it easier to find cheap insurance in Louisiana when shopping for non-owner insurance.
The Final Word on the Cheapest Auto Insurance in Louisiana
Getting car insurance quotes from multiple companies is the best way to find the cheapest rates in Louisiana. 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.
To start saving on auto insurance in Louisiana, use our free quote comparison tool to find the best insurance rates in your area.
Frequently Asked Questions
Which company has the cheapest auto insurance in Louisiana?
Some of the cheapest companies in Louisiana are USAA and Southern Farm Bureau. However, which is the cheapest company for you will depend on your individual driver profile and coverage needs, which is why it’s so important to shop around and get quotes.
How much is car insurance in Louisiana?
Car insurance in Louisiana is more expensive than the national insurance average, partly because Louisiana is a higher-risk state due to flooding and other risk factors. You can expect to pay higher insurance rates in Louisiana, even if you buy from one of the cheapest companies.
What is the minimum auto insurance in Louisiana?
All drivers must carry bodily injury and property damage liability insurance. Not carrying these coverages can result in fines, SR-22 insurance, suspended licenses, and more.
Is Louisiana considered a no-fault state?
No, Louisiana is not considered a no-fault state. This means that the driver who caused the accident is responsible for other drivers’ medical and property damage bills.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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.