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.

Companies Quotes
State Farm

State Farm

$144 /mo
Progressive

Progressive

$148 /mo
The General

The General

$217 /mo
Liberty Mutual

Liberty Mutual

$297 /mo
American Family

American Family

$459 /mo

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.

Companies Insurify
Composite Score
Quotes

American Family

92
$459 /mo

State Farm

84
$144 /mo

Liberty Mutual

84
$297 /mo

Progressive

82
$148 /mo

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.

Louisiana Driving Facts

Louisiana's minimum liability car insurance limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

dui
States with Most
DUIs Rank
#37
moving violations
States with Most
Moving Violations Rank
#39
popular car
State's
Most Popular Car
Ford F-Series Pickup
speeding violations
States with Most
Speeding Tickets Rank
#44
suspended licenses
States with Most
Suspended Licenses Rank
#31

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.

green city award

New Orleans


most patriotic
% of Hybrids/Electrics 2%

Most Patriotic City

Lake Charles

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 Rankings

18% Rural Roads in
Poor Condition

#17 Ranked

15% Structurally Deficient
Rural Bridges

#9 Ranked

2% Fatality Rate per 100M VMT
on Rural Roads

#12 Ranked