Cheapest Auto Insurance in Louisiana (2023)

Drivers in the Pelican State pay about $321 per month, on average, for full-coverage car insurance and around $157 for liability-only coverage.

Louisiana has some of the most expensive car insurance costs in the country. The state’s risk of damage from extreme weather contributes to its higher insurance costs. Weather-related disasters cost the state about $6.9 billion per year, according to data from the National Centers for Environmental Information.

But comparing car insurance quotes could help Louisiana drivers find the cheapest rates available to them.

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Cheapest car insurance companies in Louisiana

State Farm has the cheapest rates for Louisiana drivers. However, this doesn’t mean it’s the best car insurance company for you. Your auto insurance cost may be higher or lower depending on various factors, such as the type of car you drive, your age, and your credit history. Always compare quotes before buying a policy.

Best insurance for cheap rates: State Farm

Best insurance for military members: USAA

Best insurance for coverage variety: Allstate

How to get the cheapest car insurance in Louisiana

Getting cheap car insurance in Louisiana can be tricky, considering the average premium is nearly 50% higher than the national average, but it’s possible. When setting rates, insurers evaluate your driving record, coverage needs, age, ZIP code, vehicle type, and other factors.

The Louisiana Department of Insurance suggests these tips to help you find a policy that fits your budget:

• Shop around. Get multiple insurance quotes to find the best deal.

• Raise your deductible. Choosing a higher deductible can lower your premium.

• Apply for discounts. Save money with discounts, such as those offered to good students or safe drivers.

• Bundle benefits. Bundle your car insurance with other policies, like home or renters insurance, for potential savings.

• Drive safely. Maintain a clean driving record to get the cheapest rates.

Cheapest liability-only car insurance in Louisiana: State Farm

Liability-only car insurance covers damages or injuries you cause to others in a car accident but doesn’t include vehicle repairs or medical costs. While it fulfills the legal requirements for minimum coverage, liability-only coverage may leave you vulnerable to a large financial loss from an at-fault accident.

The cheapest insurer for liability-only car insurance in Louisiana is State Farm, with an average cost of $76 per month.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	76
USAA	96
Allstate	124
GEICO	124
Direct Auto	140
Progressive	147
Clearcover	147
The General	159
Bristol West	237

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Louisiana: State Farm

Liability coverage is enough to drive legally, but sometimes you may want more security. Full coverage includes liability-only insurance, as well as collision and comprehensive coverage. It can give you extra security if you drive a newer or pricier car or want more financial protection against accidents, theft, or other damage.

State Farm offers the cheapest full-coverage policies in the Pelican State, with monthly rates averaging $117.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	117
USAA	147
Allstate	190
GEICO	191
Direct Auto	201
Safeco	223
Progressive	226
Clearcover	233
The General	269
Bristol West	404

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Louisiana

Louisiana is a pure comparative fault state.^[3] It means you can collect financial compensation even if you were partly responsible for a car accident. The law helps ensure you’re covered if you make a mistake behind the wheel. But drivers usually have a one-year time limit on filing a lawsuit after an accident.

“Insurers pay up to twice the amount in claim payments for bodily injury claims and property damage claims in Louisiana than they do in most of the rest of the country,” says John Ford, deputy commissioner of public affairs for the Louisiana Department of Insurance.

Below are Louisiana’s minimum liability car insurance requirements:

Though Louisiana doesn’t require these coverages, they can offer extra, useful protection for you and your vehicle.

• 

  Collision and comprehensive

  Collision and comprehensive coverages are part of full-coverage car insurance. Collision insurance can pay for damages from an at-fault accident with other vehicles, as well as collisions with objects like trees, fences, and light poles. It can also cover damage from rollover accidents. Comprehensive pays for damages caused by non-collision events, such as theft, fire, flood, or severe weather.

• 

  Medical payments coverage

  If you get into an accident, medical payments coverage takes care of your medical expenses, regardless of who’s at fault.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist insurance covers you when another driver doesn’t have insurance or doesn’t have enough coverage. Louisiana requires all insurance companies to offer this coverage, but drivers can decline to purchase it.

• 

  Roadside assistance

  If you find yourself stuck on the side of the road, roadside assistance coverage can pay to tow your vehicle to a repair shop or another location.

• 

  Full coverage

  Full coverage typically includes collision and comprehensive insurance to cover repairs or replacement after an accident, theft, fire, or other event.

• 

  Rideshare insurance

  If you drive for a rideshare company, rideshare insurance fills coverage gaps left by your personal car insurance and the rideshare company’s insurance.^[4]

Cheapest car insurance for drivers with an incident

An incident is an at-fault accident, speeding ticket, DUI/DWI, or another moving violation that can negatively affect your driving record and car insurance rates.

“At-fault accidents and violations are used in premium calculations because they are predictive of a driver’s risk level,” Ford says. A speeding ticket can raise rates more than $500 for liability insurance, while a DUI can add nearly $900 to your premiums.

“Each insurer treats incidents differently, but the overall frequency of incidents can raise premiums in a geographic area,” says Ford. “For example, cities with higher instances of auto theft would likely see higher premiums for comprehensive coverage relative to cities with lower instances of auto theft.”

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Drivers with speeding tickets pay almost five times as much for liability-only car insurance than good drivers with clean records.

Louisiana drivers with a speeding ticket pay an overall monthly average of $342 for car insurance.

Affordable coverage can be difficult to find if you have a speeding ticket, but it’s not impossible. You need to take the time to compare car insurance quotes from multiple insurers, like the ones in the table below.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	167
USAA	210
Allstate	272
GEICO	273
Direct Auto	287
Progressive	323
Clearcover	333
The General	384
Bristol West	577

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm 

An at-fault accident can lead to higher rates — drivers in Louisiana with an at-fault accident pay a monthly average of $237 for liability-only insurance.

But you can still find ways to keep your rates low. Look for an insurance company that offers an accident forgiveness program or specializes in serving high-risk drivers. Another option is to shop around, since insurance quotes for Louisiana drivers with an at-fault accident can vary quite a bit among insurers.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	177
USAA	222
Allstate	287
GEICO	288
Direct Auto	304
Progressive	341
Clearcover	352
The General	406
Bristol West	610

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI/DWI: State Farm

The Louisiana Department of Transportation reports that 40% of fatal highway traffic accidents involve alcohol.^[5] Drivers in Louisiana who have been convicted of a DUI or DWI can expect to pay an average of $268 for liability-only coverage and $549 for a full-coverage policy.

Navigating car insurance after driving under the influence can feel overwhelming. You might want to look for an insurance company that offers a discount for completing a defensive driving course or practicing safe driving habits.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	200
USAA	251
Allstate	325
GEICO	327
Direct Auto	344
Progressive	386
Clearcover	398
The General	460
Bristol West	691

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Car insurance rates follow a pattern as people get older. After age 35, rates usually drop as drivers gain experience and become more responsible. But around age 70, premiums start to go up again. Most of Louisiana’s seniors face high car insurance costs, on average, highlighting the importance of finding reliable, affordable auto insurance options.

Senior drivers in Louisiana pay an overall monthly average of $187 for car insurance. Explore more options for senior drivers in the table below.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Direct Auto	121
Progressive	136
Clearcover	141
The General	162
Bristol West	244

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

It’s no secret that getting car insurance as a teenager can be expensive. “Because teens have the least amount of driving experience and the highest rate of accidents of any demographic, they pay the highest average rates across the U.S.,” says Mark Friedlander, corporate communications director at the Insurance Information Institute.

A liability-only policy costs teen drivers in Louisiana $300 per month, on average, while full-coverage insurance is even more expensive, averaging $614 per month.

Teenage drivers pay significantly more for auto insurance than Louisiana’s average. But plenty of teen-focused discounts are available, including good student discounts and student away-at-school discounts, which are available if a college student in your household is attending and residing at a school more than 100 miles from home without a vehicle.

Teens can also save money by staying on their parents’ insurance policies, driving a safe car, choosing a higher deductible, or buying an inexpensive older vehicle to avoid needing to pay for collision and comprehensive coverage.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Direct Auto	384
Progressive	432
Clearcover	446
The General	514
Bristol West	772

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Louisiana car insurance quotes by credit tier

Your credit history can affect how much you pay for car insurance in Louisiana. If you have a poor credit score, you’ll pay about twice as much for a policy as someone with an excellent or good credit score.

Louisiana car insurance FAQs

Insurify Insights

How Louisiana Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Louisiana below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Louisiana drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Louisiana

#37

State with the Most Speeding Tickets Rank

#32

State with the Moving Violations Rank

#45

State with the Most DUIs Rank

#21

State with the most Suspended Licenses

• Accidents in 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. Louisiana is the #22 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #22
  • Percent of drivers in Louisiana with an accident: 8.9%
• DUIs in Louisiana

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Louisiana is the #45 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #45
  • Percent of drivers in Louisiana with a DUI: 0.9%
• Reckless Driving in 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. Louisiana is the #39 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #39
  • Percent of drivers in Louisiana with a reckless driving offense: 1%
• Rude Driving in Louisiana

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Louisiana is the #40 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #40
  • Percent of drivers in Louisiana with a rude driving violation: 1.1%
• Speeding in Louisiana

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Louisiana is the #37 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #37
  • Percent of drivers in Louisiana with a speeding ticket: 7.1%
• Failure to Yield Rates in Louisiana

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Louisiana is the #36 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #36
  • Percent of drivers in Louisiana with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.