Cheap Car Insurance in Louisiana (2022)

The cheapest full-coverage auto insurance in Louisiana: LA Farm Bureau at $103 a month and USAA, $162 a month.

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Louisiana Farm Bureau offers the cheapest car insurance in Louisiana, charging an average $58 a month for minimum coverage, while the next-best rates are available from State Farm and USAA. Since auto insurance can be expensive, it’s important to compare quotes when you shop for a policy. Read on for more about finding cheap car insurance in Louisiana.

In this article

Which company offers the cheapest car insurance in Louisiana?

Louisiana Farm Bureau offers the cheapest rates on car insurance to a wide range of Louisiana drivers, including those with clean records, those with certain prior incidents, teens and seniors.

Cheapest minimum-coverage car insurance in Louisiana

Louisiana Farm Bureau offers the cheapest minimum-coverage car insurance in Louisiana, with rates averaging $693 a year, or $58 a month. This is less than half the state average of $136 a month.

The next-best rates are available from USAA, $87 a month, and State Farm, $91 a month. USAA is only available to the military community, but we include the organization in our analysis for reference.

Insurance companies evaluate several factors to determine your rate, including your age, location, the characteristics of your vehicle, your driving record, insurance history and credit.

Since insurance companies weigh each factor differently and offer different discounts, you may qualify for a considerably lower rate with one company than you do with others. This is why it’s best to compare quotes from multiple companies when you shop.

Cheapest minimum-coverage car insurance
Company Annual Monthly
Louisiana Farm Bureau $693 $58
State Farm $1,095 $91
State average $1,632 $136
Progressive $1,674 $140
Allstate $1,816 $151
Safeway $2,389 $199
GEICO $2,719 $227
USAA $1,038 $87
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Minimum coverage car insurance meets Louisiana's 15/30/25 liability requirements, which include:

  • Bodily insurance liability limits of $15,000 per person and $30,000 per accident.
  • A property damage liability limit of $25,000 per accident.

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Cheapest full-coverage car insurance in Louisiana

Louisiana Farm Bureau offers the cheapest full-coverage car insurance in Louisiana, $103 a month, followed by USAA, $162 a month, and State Farm, $176 a month.

The average cost of full-coverage car insurance in Louisiana is $285 a month.

Cheapest full-coverage car insurance
Company Annual Monthly
Louisiana Farm Bureau $1,232 $103
State Farm $2,108 $176
Safeway $3,128 $261
State average $3,423 $285
Progressive $3,647 $304
Allstate $4,719 $393
GEICO $7,178 $598
USAA $1,949 $162
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

For our analysis, full coverage includes following coverages and limits:

  • Bodily injury liability with limits of $100,000 per person and $300,000 per accident.
  • Property damage liability with a $100,000 limit.
  • Collision coverage with a $500 deductible.
  • Comprehensive coverage with a $500 deductible.

Collision covers damage to your vehicle from a collision with a vehicle or object, and comprehensive covers damage from all other causes, plus theft.

Neither collision nor comprehensive coverage is required by the state, but both are usually required for financed and leased vehicles.

Cheapest car insurance for Louisiana drivers with an accident history

The cheapest rates on full-coverage car insurance for drivers with an accident history are available from Louisiana Farm Bureau, $132 a month, State Farm, $207 a month, and USAA, $245 a month.

In Louisiana, an accident increases the average cost of full-coverage car insurance 57% to $447 a month.

Cheapest car insurance for drivers with an accident history
Company Annual Monthly
Louisiana Farm Bureau $1,580 $132
State Farm $2,489 $207
Safeway $3,861 $322
State average $5,368 $447
Allstate $6,312 $526
Progressive $6,788 $566
GEICO $13,607 $1,134
USAA $2,941 $245
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for Louisiana drivers with a DUI

Louisiana drivers with a DUI can find the cheapest car insurance from Louisiana Farm Bureau, $139 a month; State Farm, $192 a month; and USAA, $258 a month.

A DUI raises the average price of car insurance in Louisiana 53% to $436 a month.

Cheapest car insurance for drivers with a DUI
Company Annual Monthly
LA Farm Bureau $1,674 $139
State Farm $2,298 $192
Safeway $4,118 $343
State average $5,226 $436
Allstate $5,756 $480
Progressive $5,806 $484
GEICO $13,843 $1,154
USAA $3,090 $258
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for drivers with a speeding ticket

Louisiana Farm Bureau also offers the cheapest car insurance to drivers with a speeding ticket, $118 a month for full coverage. The next-lowest rates are available from State Farm, $192 a month, and USAA, $209 a month.

A speeding ticket increases the average cost of full-coverage car insurance in Louisiana 21% to $346 a month.

Cheapest car insurance for drivers with a speeding ticket
Company Annual Monthly
Louisiana Farm Bureau $1,414 $118
State Farm $2,298 $192
Safeway $3,220 $268
State average $4,147 $346
Progressive $5,093 $424
Allstate $5,291 $441
GEICO $9,207 $767
USAA $2,510 $209
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Who offers the cheapest car insurance to Louisiana teens?

Louisiana Farm Bureau offers the cheapest car insurance for teens, charging 18-year-olds $139 a month for minimum coverage and $242 a month for full coverage.

The next-lowest rates for 18-year-olds are available from USAA, which charges $167 a month for minimum coverage and $336 for full coverage, and State Farm, which charges $274 a month for minimum coverage and $544 for full coverage.

In Louisiana, teens pay more than three times the average rate for car insurance.

Cheapest minimum-coverage car insurance for 18-year-olds
Company Annual Monthly
Louisiana Farm Bureau $1,666 $139
State Farm $3,285 $274
Allstate $3,862 $322
State average $5,052 $421
Safeway $5,825 $485
GEICO $7,989 $666
Progressive $10,739 $895
USAA $1,998 $167
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest full-coverage car insurance for 18-year-olds
Company Annual Monthly
Louisiana Farm Bureau $2,898 $242
State Farm $6,526 $544
Safeway $8,159 $680
Allstate $10,856 $905
State average $11,519 $960
GEICO $23,468 $1,956
Progressive $24,685 $2,057
USAA $4,038 $336
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Teens have the highest crash rates among age groups, and this is the main reason why insurance companies charge such high rates to teen drivers.

If you are a teen, you can usually save money by being added to your parent or guardian’s policy. If you maintain a clean driving record and start to build up good credit, you’ll start qualifying for more reasonable rates in your 20s.

Many insurance companies offer discounts to teens who maintain good grades and/or complete an approved driver safety class.

Who offers the cheapest car insurance to Louisiana seniors?

Louisiana Farm Bureau also offers the cheapest car insurance for seniors in Louisiana, charging 65-year-olds $67 a month for minimum coverage and $116 a month for full coverage.

The next-best minimum-coverage rates are available from State Farm, $99 a month, and USAA, $103 a month. The same two companies offer the next-best rates for full coverage, with State Farm charging $183 a month and USAA charging $185 a month.

The average cost of car insurance for 65-year-olds in Louisiana is $142 a month for minimum coverage and $282 a month for full coverage.

Cheapest minimum-coverage car insurance for 65-year-olds
Company Annual Monthly
Louisiana Farm Bureau $800 $67
State Farm $1,182 $99
State average $1,703 $142
Allstate $1,929 $161
Progressive $1,993 $166
Safeway $2,105 $175
GEICO $2,674 $223
USAA $1,235 $103
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest full-coverage car insurance for 65-year-olds
Company Annual Monthly
Louisiana Farm Bureau $1,396 $116
State Farm $2,198 $183
Safeway $2,686 $224
State average $3,385 $282
Progressive $4,063 $339
Allstate $4,640 $387
GEICO $6,492 $541
USAA $2,220 $185
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

As a group, seniors have a higher accident rate than middle-aged drivers, which is why you may see your insurance rates inch up as you reach your retirement years.

Some insurance companies offer discounts to seniors who complete an approved mature-driver safety course. Depending on the company, you may be able to complete the course online.

Car insurance rates in Louisiana by city

Among Louisiana’s 10 largest cities, insurance rates range from $98 in Bossier City to $176 in New Orleans.

Insurance companies tend to charge higher rates in dense cities, where the likelihood of car accidents and vehcle theft is greater than it is in rural areas.

Minimum-coverage car insurance rates in Louisiana’s largest cities
City Annual Monthly
Alexandria $1,588 $132
Baton Rouge $1,785 $149
Bossier City $1,181 $98
Kenner $1,840 $153
Lafayette $1,535 $128
Lake Charles $1,493 $124
Metairie $1,795 $150
Monroe $1,465 $122
New Orleans $2,108 $176
Shreveport $1,298 $108
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

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How do car insurance laws work in Louisiana?

If you’re new to Louisiana, you should know about the state’s comparative fault and “no pay, no play” car insurance laws, as well as the car insurance coverages that are available to Louisiana drivers and how SR-22 filings work.

Comparative fault

With comparative fault, a Louisiana driver who causes an accident is responsible for the other parties’ medical costs and car repairs in an amount that matches their share of responsibility for the accident.

For example, if you are 100% responsible for causing an accident, you are liable for all of the other party’s medical and car repair expenses. If an investigation determines that the other driver is 25% responsible for the accident, you are only responsible for 75% of the other party’s costs.

If your share of costs from an accident exceeds your policy’s limits, you may have to tap into your savings or other assets to cover the difference. This is the main reason to consider coverages and/or limits that exceed the state’s minimum requirements.

No pay, no play

Louisiana’s no pay, no play car insurance law limits the amounts that an uninsured driver can receive for their own medical and car repair costs after an accident caused by someone else.

Under no pay, no play, an uninsured motorist does not receive compensation for their first $15,000 in medical costs and first $25,000 in car repairs from the at-fault driver.

Car insurance coverages available to Louisiana drivers

Here’s a look at the most common car insurance coverages available to Louisiana drivers.

Mandatory and optional car insurance coverages available in Louisiana
Coverage What it covers
Bodily injury liability: required, with limits of at least $15,000 per person/$30,000 per accident Medical treatment for others injured in a car accident you cause.
Property damage liability: required, with a limit of at least $25,000 per accident Repairs to other people’s vehicles or property damaged in an accident you cause.
Medical payments: optional Medical treatment for you and your passengers, regardless of fault.
Collision: optional, but usually required for a loan or lease Damage to your own vehicle in an accident you cause, or by an uninsured motorist.
Comprehensive: optional, but usually required for a loan or lease Damage to your vehicle by any cause other than a collision, plus theft.
Uninsured/underinsured motorist: optional Medical treatment for you and your passengers and car repairs after an accident caused by a driver with no insurance or not enough to cover your claim.
Uninsured/underinsured motorist economic-only coverage: optional Covers medical treatment for you and your passengers after an accident caused by a driver with no insurance or not enough. No coverage for pain and suffering. 
Uninsured/underinsured motorist property damage: optional Up to $25,000 to repair or replace your vehicle after an accident caused by an uninsured motorist; $250 deductible applies.
Towing and labor: optional Roadside assistance and towing if your car breaks down.
Source: Louisiana Department of Insurance

Louisiana’s Office of Motor Vehicles (OMV) requires proof of insurance to renew a vehicle registration. The state also uses an online system to electronically verify the insurance status of registered vehicles.

The penalties for driving without insurance in Louisiana include a possible suspension of your driver's license and/or vehicle registration.

SR-22 filings in Louisiana

Those who commit certain offenses, including driving under the influence (DUI), multiple speeding tickets or accidents, or reckless driving may be required to file an SR-22 form with the OMV. 

If you have an SR-22 order, you should let your insurance company know about it when you purchase your policy. The insurance company can file the form on your behalf, and most charge a small administrative fee for this service.

Aside from the administrative fee, the SR-22 requirement itself won’t increase your insurance rates. However, the offenses on your driving record that led to the SR-22 requirement probably will.

The good news is that your rates will probably come back down as the offense or offenses come off your record, which usually takes three to five years.

Frequently asked questions about Louisiana car insurance

Who has the cheapest car insurance in Louisiana?

Louisiana Farm Bureau has the cheapest rates on car insurance in Louisiana, charging an average $58 a month for minimum-coverage car insurance and $103 a month for full coverage.

How much is car insurance in Louisiana?

On average, Louisiana drivers pay $136 a month for minimum-coverage car insurance and $285 a month for full coverage. Both rates are more than 55% higher than the national averages for each type of coverage.

Why is Louisiana auto insurance so expensive?

Uninsured drivers and lawsuits are blamed for making car insurance so expensive in Louisiana, because these factors increase insurance companies' costs of doing business in the state.

Methodology

In our analysis of Louisiana car insurance rates, we reviewed thousands of policy quotes from the state’s leading insurance companies, obtained through Quadrant Information Services. Unless otherwise noted, our typical driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

Minimum-coverage car insurance policies in our analysis satisfy Louisiana’s 15/30/25 liability insurance requirements.

Full-coverage policies meet the minimum requirement for medical payments coverage and have the following limits and deductibles for liability, collision and comprehensive coverages:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 deductible for collision coverage
  • $500 deductible for comprehensive coverage

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