120+ more*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on October 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on October 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
Cheapest car insurance company in Louisiana: State Farm
Cheapest car insurance rate in Louisiana: $53
Average monthly liability-only car insurance cost in LA: $106
Average monthly full-coverage car insurance cost in LA: $209
The cheapest car insurers in Louisiana are State Farm, Progressive, and National General, according to Insurify data.
Rates are based on a driver profile with a clean driving record and good-to-excellent credit. If you have an at-fault accident, DUI (called OWIs in Louisiana), or other driving infractions on your record, you may see different rates.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $53 | $117 |
| National General | $63 | $141 |
| Progressive | $63 | $149 |
| USAA | $66 | $148 |
| Allstate | $79 | $174 |
| GEICO | $88 | $197 |
| Direct Auto | $89 | $205 |
| The General | $105 | $334 |
| Bristol West | $120 | $284 |
| Root | $145 | $276 |
| Safeco | $159 | $269 |
Louisiana drivers have specific needs when it comes to car insurance, including affordability, smooth claims processing, and strong customer service ratings. Insurify gathers real user reviews for dozens of insurance companies. Based on our analysis of those reviews, these are the best-rated auto insurers in Louisiana.
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm offers some of the lowest rates for full-coverage car insurance in Louisiana. Full coverage can be a smart way to protect yourself financially against vehicle damage from the state’s many natural disasters, such as floods and tropical cyclones, which liability-only insurance policies don’t cover.
State Farm has the highest Insurify IQ Score out of all insurers analyzed. It also boasts high Insurify scores in the claims handling, coverage options, customer service, and value-for-money categories.
Low full-coverage rates in Louisiana
Lots of discounts available
Great customer service
Just 1.6 out of 5 stars on Trustpilot
No gap insurance unless your loan is through State Farm Bank
Doesn’t offer accident forgiveness
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $148/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
If you want a low-cost minimum liability policy in Louisiana, look to USAA. The insurer boasts high Insurify scores in value-for-money, customer service, and discount availability, and its IQ Score is one of the highest.
Just note that only active-duty military members, veterans, and their families are eligible for coverage. But Louisiana does have a large military presence, with six bases inside its borders.
Low premiums in Louisiana
Lots of discounts available
Great customer service
Available only for members of the military community
No 24/7 customer phone support
Only 1.3 out of 5 stars on Trustpilot
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $128/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $207/mo |
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Louisiana drivers looking for discounts to lower their car insurance costs will find plenty of savings options with Liberty Mutual. The insurer offers competitive premiums in Louisiana and more than a dozen available discounts, including a multi-car discount. More than 10% of Louisiana drivers have multiple vehicles, Insurify data shows.
Liberty Mutual also offers a discount for active-duty, retired, or reserve members of the military.
Strong Trustpilot rating of 4.2 out of 5 stars
Lots of discounts available
Better Car Replacement coverage available in case of total loss
Doesn’t offer rideshare insurance
Below-average J.D. Power customer satisfaction rating in the Southeast region
Higher-than-expected number of complaints with the National Association of Insurance Commissioners (NAIC)
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $88/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $197/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO claims one of the highest Insurify scores out of all Louisiana insurers when it comes to customer service. It’s also highly rated in claims handling, coverage options, and policy flexibility, and has a top-notch IQ Score. GEICO earned the third-highest score in the Southeast in J.D. Power’s 2026 U.S. Auto Insurance Study.
Its discounts for young drivers (including a 15% discount for getting good grades) are particularly notable, as nearly 23% of Louisiana’s residents are younger than 18.
4.0 rating for overall experience, per Insurify customers
15 advertised discounts, including multi-vehicle
Claim forgiveness coverage available
No gap insurance
Some discounts not available in all states
Comparatively fewer optional coverages
We evaluated insurers operating in Louisiana using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Louisiana drivers, including hurricane exposure, urban congestion, vehicle theft trends, and the availability of local agents throughout the state.
Louisiana car insurance costs an average of $106 per month for liability-only coverage and $209 monthly for a full-coverage policy. Louisiana’s rates are higher than national averages, which sit at $99 and $187, respectively.
Louisiana’s car insurance rates are higher due, in part, to the state’s vulnerability to natural disasters and extreme weather. The state experienced more than 100 $1 billion weather and climate disaster events from 1980 to 2024, according to the National Centers for Environmental Information.[1]
Other factors that help account for Louisiana’s high car insurance costs include a high frequency of injury claims, uninsured motorists, and a high rate of claims-related lawsuits.[2]
Minimum-coverage policies start as low as $53/mo.
Car insurance quotes vary widely across Louisiana cities, from coastal New Orleans, where full coverage averages $244 per month, to the state’s cheapest rates in Bossier City. Bossier’s location in the northwestern part of the state makes it less susceptible to hurricane damage, which may help contribute to its lower rates.
The following table shows average car insurance rates across multiple Louisiana cities.
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Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Bossier City | $85 | $171 |
| Shreveport | $90 | $174 |
| Houma | $95 | $153 |
| Lake Charles | $107 | $204 |
| Alexandria | $109 | $178 |
| Lafayette | $111 | $190 |
| Slidell | $113 | $200 |
| Baton Rouge | $129 | $227 |
| Metairie | $130 | $211 |
| New Orleans | $136 | $244 |
See how the Louisiana cities with the highest car insurance premiums compare below:
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Lafayette | $111 | $190 |
| Slidell | $113 | $200 |
| Baton Rouge | $129 | $227 |
| Metairie | $130 | $211 |
| New Orleans | $136 | $244 |
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
Car insurance can vary widely. Your age, gender, driving record, vehicle, credit, and location all matter (even within the same state), and the insurance company you choose matters, too.
To make sure you get the best car insurance rates in Louisiana, be sure to:
Get quotes from several different insurers.
Make sure you’re selecting the same coverages and coverage amounts across each quote request.
Check that the policy limits and deductible are comparable.
Quality can vary among insurers, so make sure to check ratings and reviews. Consider the financial stability of the companies as well. You can also ask friends and family for recommendations.
Like most states, Louisiana requires that its drivers carry a minimum amount of liability insurance:[3]
Per Louisiana state law, drivers must have at least:
$15,000 in bodily injury liability per person
$30,000 in bodily injury liability per accident
$25,000 in property damage liability
These tend to be on the low end compared to other states’ minimums. Louisiana doesn’t require uninsured motorist coverage or personal injury protection (PIP) coverage, as some states do.
The state also has the Louisiana Automobile Insurance Plan, which is designed to help high-risk drivers find insurance.[4]
Louisiana has some of the highest car insurance costs in the country, Insurify data shows. Rates can be particularly burdensome in Louisiana due to the state’s relatively low average household income.
Here are some steps you can take to ensure you find affordable coverage:
Compare rates from multiple insurers. Car insurance rates vary widely in Louisiana. The average liability rate from the state’s most expensive insurer is about 198% more than rates from its cheapest, Insurify data shows. Your driving history will be the biggest factor in your rates, and different insurers weigh certain aspects of your driving record differently.
Avoid highly stolen car models. If you’re car shopping, avoid models that are prone to theft. Chevy Silverados, Honda Accords, and Hyundai Sonatas are the most stolen vehicles in Louisiana and will likely come with higher insurance premiums as a result.
Improve your credit. Louisiana insurers can use credit (specifically, your credit-based insurance score) to price your insurance policy. The average credit score in Louisiana is just 686, according to Experian. That’s much lower than in many other states. Having a good credit score could help reduce your premiums.
Bundle auto with renters or homeowners. Most insurers offer significant discounts if you buy more than one type of policy from them. It’s called bundling, and you can do it with auto and homeowners insurance, or auto and renters insurance.
Check for discounts. Many Louisiana drivers likely qualify for more than one discount. For example, a teen driver of a military family stationed at Fort Polk might qualify for both a military discount and a good student discount.
See rates from top Louisiana insurance companies
Your specific driving record and personal characteristics will factor into your premiums. See rate quotes that apply to your specific profile below:
Cheap Full-Coverage Car Insurance in Louisiana
Cheapest Liability Car Insurance in Louisiana
SR-22 Insurance in Louisiana: Cost, Requirements, and Cheapest Companies
Louisiana car insurance premiums are actually declining. Premiums in the state fell 2% between the end of 2025 and the middle of 2026, according to Insurify’s Insuring the American Driver report. Insurify data scientists predict rates will end up dropping by about 0.8% — or about $21 — by the end of the year.
The state credits declining premiums to shrinking accident rates in recent years. The state’s largest insurer, State Farm, also announced a nearly 6% rate decrease at the end of 2025. The company underwrites nearly one-third of Louisiana car insurance policies.[5]
State Name | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 | 2026-09 |
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| Louisiana | 2,441 | 2,467 | 2,462 | 2,440 | 2,497 | 2,520 | 2,524 | 2,553 | 2,567 | 2,566 | 2,575 | 2,588 | 2,595 | 2,595 | 2,608 | 2,609 | 2,619 | 2,640 | 2,665 | 2,751 | 2,808 | 2,871 | 2,884 | 2,921 | 2,944 | 2,945 | 2,981 | 3,091 | 3,074 | 3,115 | 3,186 | 3,228 | 3,283 | 3,300 | 3,265 | 3,281 | 3,176 | 3,156 | 3,045 | 2,954 | 2,854 | 2,788 | 2,780 | 2,774 | 2,759 | 2,776 | 2,777 | 2,690 | 2,639 | 2,589 | 2,568 | 2,560 | 2,540 | 2,522 | 2,514 | 2,516 | 2,505 | 2,502 | 2,512 | 2,510 | 2,502 |
| United States | 1,557 | 1,562 | 1,565 | 1,566 | 1,569 | 1,571 | 1,578 | 1,591 | 1,602 | 1,607 | 1,613 | 1,617 | 1,624 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,718 | 1,758 | 1,803 | 1,850 | 1,887 | 1,919 | 1,956 | 1,982 | 2,006 | 2,036 | 2,076 | 2,127 | 2,194 | 2,238 | 2,298 | 2,341 | 2,368 | 2,391 | 2,387 | 2,375 | 2,371 | 2,363 | 2,352 | 2,368 | 2,369 | 2,368 | 2,357 | 2,343 | 2,318 | 2,286 | 2,258 | 2,229 | 2,216 | 2,223 | 2,223 | 2,225 | 2,233 | 2,238 | 2,237 | 2,238 | 2,239 | 2,241 | 2,242 |
Car insurance premiums can vary widely across Louisiana. Use the following information to better understand what rates you may face as a Louisiana driver.
Car insurance costs an average of $209 per month for a full-coverage policy in Louisiana. For liability-only insurance, the state average is $106 per month. Premiums vary by city, too.
The cheapest Louisiana car insurance company is currently State Farm, according to Insurify data. Progressive and National General are also among the most affordable car insurers in the state.
Car insurance discounts vary by insurance company. In Louisiana, where nearly a quarter of the population is younger than 18, common discounts for students, including ones for good grades, may be particularly valuable. And drivers and their families stationed at one of the military bases in the state may find military discounts appealing.
Discounts for having multiple cars on the same policy may also be helpful for Louisiana households that have more than one vehicle.
Significant weather risks, a high number of uninsured drivers, and a higher rate of claims litigation all work to push Louisiana car insurance rates above average.
GEICO is a good car insurance company in Louisiana. It boasts high scores on Insurify’s IQ and internal ratings scales, offers several discounts, and has comparatively low average premiums. Be sure to get quotes from several insurance companies, though. This will help ensure you’re getting the best rate available to you.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
