As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin HalachevVP of Engineering & Data Science
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.
Save up to $852 by comparing quotes from the top 100+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
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.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Cheapest recent rates in Louisiana
Drivers using Insurify have found quotes as cheap as $67/mo for liability only and $116/mo for full coverage in Louisiana.
*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. 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 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in the Pelican State pay about $265 per month, on average, for full-coverage car insurance and around $141 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.
Louisiana drivers pay an average of $3,182 per year for full-coverage car insurance.
Louisiana requires all drivers to carry a minimum amount of liability car insurance — but nearly 12% of state drivers are uninsured, according to data from the Insurance Research Council.
Your credit score can affect how much you pay for car insurance in Louisiana.
Find Cheap Car Insurance in Louisiana
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
Insurance Company
▲▼
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.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best for
▲▼
State Farm
9.3
$116
$70
Cheap rates
USAA
9.4
$146
$87
Military members
Allstate
8.9
$189
$113
Drivers with poor credit
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.
$70/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.
$116/mo
The average monthly cost of a liability-only policy from State Farm is $70 — less than the state average. State Farm also has the highest Insurify Quality (IQ) Score among the cheapest insurers, making it a top choice for customer satisfaction, cost, financial strength, and availability. From Abbeville to Zachary, you’ll find an exclusive State Farm agent in 122 Louisiana cities.
Pros
Savings of up to 30% possible via safe driver discount
Mobile app allows for easy policy management
Above-average customer satisfaction ratings in the J.D. Power 2022 U.S. Auto Insurance Study[1]
Cons
Must go through a State Farm agent to buy a policy
Gap insurance not available
57 complaints in Louisiana in 2022, according to the National Association of Insurance Commissioners (NAIC)[2]
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.
9.4/10
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.
$87/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.
$146/mo
Active-duty military members, veterans, and their families can benefit from USAA’s competitive rates, various coverage options, and discounts. With an IQ Score of 4.3 out of 5, the company earns high marks for customer satisfaction, financial strength, company transparency, and affordable premiums. The average liability-only policy cost from USAA in Louisiana is $87 per month.
Pros
Flexible policy options and discounts for customizing coverage
Few complaints in Louisiana in 2022, according to the NAIC
Ranked well above average in the J.D. Power 2022 U.S. Auto Insurance Study in the Central region
Cons
Only available to members of the military community
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.
8.9/10
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.
$113/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.
$189/mo
Allstate offers numerous ways for drivers to customize their coverages, including adding a rideshare insurance policy if you drive for Uber, Lyft or another rideshare company.
The customer service at the local office is top-notch, especially Emily from Shae's office - she's the best. However, when forwarded to corporate after hours, the service is extremely poor. I've communicated this to Shane in San Diego.
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 $70 per month.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 $116.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 recent rates in Louisiana
Drivers using Insurify have found quotes as cheap as $67/mo for liability only and $118/mo for full coverage in Louisiana.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. 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.”
Find Cheap Car Insurance in Louisiana
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Drivers with speeding ticketspay 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 $298 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: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 accidentcan lead to higher rates — drivers in Louisiana with an at-fault accident pay a monthly average of $216 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: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 $245 for liability-only coverage and $460 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: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 $159 for car insurance. Explore more options for senior drivers in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 $287 per month, on average, while full-coverage insurance is even more expensive, averaging $540 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: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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.
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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Louisiana car insurance FAQs
Finding the best car insurance in Louisiana can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in the Bayou State.
How much is car insurance in Louisiana?
The average cost of car insurance in Louisiana is $203 per month. Drivers pay $141 per month for liability coverage and $265 per month for full coverage. Your average rates ultimately depend on your driving record, credit history, marital status, age, location, and more.
Who has the cheapest car insurance in Louisiana?
The cheapest car insurance companies in Louisiana are State Farm, USAA, and National General. Their liability-only rates average $70, $87, and $96 per month, respectively. But the cheapest insurer for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and chosen coverage levels.
What are the best car insurance companies in Louisiana?
State Farm is the best car insurance company in Louisiana, with an IQ Score of 4.4 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by USAA, with an IQ Score of 4.4 and an AM Best financial strength rating of A++. USAA is only available to military members and their families, however.
How much car insurance do you need in Louisiana?
Louisiana requires drivers to carry $15,000 per person and $30,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability coverage.
Is Louisiana a no-fault state?
No. Louisiana is a pure comparative fault state, meaning drivers can collect financial compensation even if they were partly responsible for an accident.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin HalachevVP of Engineering & Data Science
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.
)
)
){kind=small}
){kind=small}
)
)
){kind=small}
)
)
)
)
State Farm
USAA
Allstate)
)
)
)
)
)
)
)
)