Cheap Auto Insurance Quotes in Louisiana (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

 

Get Jazzed for Cheap Car Insurance

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.

CityCheapest CarrierQuote
State FarmState Farm
$277/mo
State FarmState Farm
$144/mo
AllstateAllstate
$140/mo
AllstateAllstate
$174/mo
State FarmState Farm
$214/mo
ProgressiveProgressive
$198/mo
GEICOGEICO
$148/mo
State FarmState Farm
$239/mo
ProgressiveProgressive
$199/mo
ProgressiveProgressive
$224/mo
ProgressiveProgressive
$181/mo
ProgressiveProgressive
$259/mo
State FarmState Farm
$191/mo
AllstateAllstate
$150/mo
ProgressiveProgressive
$227/mo
AllstateAllstate
$140/mo
AllstateAllstate
$176/mo

Louisiana Driving Facts

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.

louisiana

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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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.

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.

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

Lafayette

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

Most Patriotic City

New Orleans

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.