Cheap Auto Insurance Quotes in Louisiana (November 2021)

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Whether you’re in town for Mardis Gras, the NOLA Jazz & Heritage Festival, or the Voodoo Experience or are lucky enough to call Louisiana home, you know about the rich culture and history of the Pelican State. From culinary delicacies to a music scene like no other, driving through Louisiana's 120,000+ miles of roadway provides a true taste of the South.Before you hit the road, though, you’ve got to make sure your car insurance is up to par to Louisiana law. With every company claiming to have the most coverage, lowest rates, or best customer service, how do you know what’s the best option for you and your lifestyle?

Cheapest Car Insurance in Louisiana

Here are the cheapest carriers in Louisiana for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Louisiana.

Best Car Insurance in Louisiana

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Louisiana. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Louisiana

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Louisiana to find you the cheapest quotes in each of these metropolitan areas.

Who drives in New Orleans, you might ask? Louisiana's most populous city is home to some reckless drivers, according to local custom. Traffic lights and are apparently rarely heeded, and blinkers are more or less ignored when driving downtown.

Quotes by Top Carriers
Quotes ($/mo)
$277
$384
$594
State FarmProgressiveAmerican Family
Monthly $
CityCheapest Carrier
State FarmState Farm
$277/mo
State FarmState Farm
$144/mo
AllstateAllstate
$140/mo
AllstateAllstate
$174/mo
State FarmState Farm
$214/mo
Progressive
$198/mo
GEICO
$148/mo
State FarmState Farm
$239/mo
Progressive
$199/mo
Progressive
$224/mo
Progressive
$181/mo
Progressive
$259/mo
State FarmState Farm
$191/mo
AllstateAllstate
$150/mo
Progressive
$227/mo
AllstateAllstate
$140/mo
AllstateAllstate
$176/mo
Progressive
$159/mo

Cheapest Liability Auto Insurance in Louisiana

For drivers in Louisiana, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Louisiana. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Louisiana.

Cheapest Full Coverage Auto Insurance in Louisiana

For drivers in Louisiana, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Louisiana. The following are the best insurance rates from carriers that offer full coverage auto insurance in Louisiana.

Louisiana Driving Facts

louisiana

Minimum Car Insurance Requirements in LA

All motor vehicles operated or parked on Louisiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Louisiana are as follows:

  • $15,000 per person/$30,000 per accident for Bodily Injury (BI)

Bodily injury liablity coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Louisiana state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Louisiana law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Louisiana is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Cheapest Car Insurance Quotes in Louisiana by Profile

Here are the cheapest insurance companies in Louisiana based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Louisiana drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Allstate offers the best options for good drivers in Louisiana, at $140 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Insurance Company
Allstate
$140/mo
State Farm
$144/mo
GEICO
$148/mo
Progressive
$148/mo
The General
$217/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
Insurance Company
Southern Farm Bureau
$75/mo
State Farm
$87/mo
USAA
$100/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
Insurance Company
USAA
$93/mo
State Farm
$95/mo
Allstate
$110/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
Insurance Company
Southern Farm Bureau
$75/mo
USAA
$75/mo
State Farm
$87/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Louisiana, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. GEICO offers the cheapest car insurance rates for young drivers, averaging $54 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Louisiana 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Louisianians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
GEICO
$54/mo
USAA
$63/mo
Allstate
$70/mo

SR‌-22 Insurance in Louisiana

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Louisiana on your behalf.

LA DMV Information

The Louisiana Office of Motor Vehicles has dozens of outposts around the state, operating from 8:00 AM to 4 PM, with some special early morning, evening, and Saturday hours. 

At the Office of Motor VehiclesLouisiana residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. For the shortest wait times, avoid planning your visit on Mondays and Fridays, or during lunch hours.

Regardless of where you live in Louisiana, a DPS shouldn’t be too far. Louisiana residents may be able to skip their visit altogether and get what they need through their online portal. Visitors may also utilize the services provided by the Louisiana Department of Insurance while visiting their local Office of Motor Vehicles.

Insurify Insights: How Louisiana Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Louisiana drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Louisiana

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Louisiana drivers rank 38 in the number of car accidents per driver.

  • Rank of States: #38
  • Percent of drivers in Louisiana with an accident: 9.35%
  • Drivers in LA with an accident in their driving history paid on average 50% more than drivers with a clean record

Speeding Louisiana

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Louisiana drivers rank 45 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #45
  • Percent of drivers in Louisiana with a speeding ticket: 6.95%
  • Drivers in LA with a speeding ticket in their driving history paid on average 35.87% more than drivers with a clean record

DUI/DWIs Louisiana

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Louisiana drivers rank 48 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #48
  • Percent of drivers in Louisiana with a DUI: 1.11%
  • Drivers in LA with a DUI in their driving history paid on average 4.71% more than drivers with a clean record

Most Popular Vehicle Louisiana

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Louisiana is the Nissan Altima.

Rude Louisiana

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Louisiana drivers rank 28 in rude driving infractions.

  • Rank of States: #28
  • Percent of drivers in Louisiana with a reckless driving violation: 1.42%
  • Drivers in LA with a reckless driving violation in their driving history paid on average 29.71% more than drivers with a clean record.

Safest Drivers Louisiana

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Louisiana drivers rank 5 in clean driving records across all fifty states.

  • Rank of States: #5
  • Percent of drivers in Louisiana with clean record: 84.39%

Street Racing Louisiana

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Louisiana drivers rank 39 in street racing violations per driver.

  • Rank of States: #39
  • Percent of drivers in Louisiana with a street racing violation: --%

Failure to Yield the Right of Way Louisiana

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Louisiana drivers rank 29 in failure to yield violations per driver across all fifty states.

  • Rank of States: #29
  • Percent of drivers in Louisiana with a failure to yield violation: 0.35%
  • Drivers in LA with a failure to yield violation in their driving history paid on average 38.41% more than drivers with a clean record

Reckless Drivers Louisiana

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Louisiana drivers rank 44 in the number of reckless driving offenses per driver.

  • Rank of States: #44
  • Percent of drivers in Louisiana with a reckless driving offense: 0.05%

Hybrid/Electric Vehicle Ownership Louisiana

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Louisiana drivers rank 44 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #44
  • Percent of drivers in Louisiana with a hybrid/electric vehicle: 0.56%

Greenest Cities in Louisiana

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

Rising sea levels by southeast Louisiana are threatening to destroy many marshland communities. Some Louisianans say that environmental impact bonds can help with wetland restoration efforts. The state of Louisiana offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers. Companies, and their employees, that administer "green" capital infrastructure projects are eligible for tax credits.

Greenes Cities

Chalmette

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Baton Rouge

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Lake Charles won Insurify's Most Patriotic Cities Award for the state of Louisiana. Cause for celebration, perhaps? The locals are no strangers to that. Lake Charles is home to the second largest Mardi Gras festival in the state - behind New Orleans, of course.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Louisiana is vital for all car insurance shoppers hitting the road in The Pelican State.

road with cars illustration

Road Rankings

18%Rural Roads in
Poor Condition

#11
Ranked

15%Structurally Deficient
Rural Bridges

#5
Ranked

2%Fatality Rate per 100M VMT
on Rural Roads

#6
Ranked


FAQs - Louisiana Car Insurance

Is my car covered if damaged in a natural disaster?

As Louisianans know all too well, expect the unexpected with mother nature. If you want to ensure your vehicle is covered if damaged after a storm, hurricane, or flood, it’s important to get full coverage car insurance, including comprehensive coverage. This coverage will bring peace of mind during extreme weather events.

Why is my car insurance so expensive in Louisiana?

Thanks to the Bayou State’s s location sandwiched next to the Gulf of Mexico and history of major flooding and other natural disasters, car insurance companies take on greater risk by insuring your vehicle. These high-risk factors result in more expensive monthly premiums. Fret not, though—use a car insurance comparison site like Insurify to find the cheapest quotes in the state!

Who has the cheapest car insurance in Louisiana?

The best way to get the cheapest car insurance in Louisiana and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.


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