Cheap Car Insurance for Bad Credit Drivers in Louisiana:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Companies for Drivers With Bad Credit in Louisiana (2022)

For drivers with bad credit in Louisiana, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Louisiana. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Louisiana.

Bad Credit Car Insurance in Louisiana

A poor credit score can negatively impact your financial well-being, especially when you need to borrow money for a car or house. Bad credit can also raise your insurance rates. A few states prohibit car insurance companies from using a driver's credit history as a factor in determining their rate. Unfortunately, Louisiana is not one of those states. Most companies will run your credit if you try to get coverage.

While a poor credit score won't prevent you from getting coverage like it might a loan, you should expect to pay a higher insurance premium.

Louisiana Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$266
$297
$299
$324
ExcellentGoodAveragePoor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Louisiana?

Drivers with bad credit pay almost 6 percent more than average for car insurance in Louisiana. Credit scores are just one factor companies look at when determining car insurance rates, however. According to the Insurance Information Institute, companies will review your driving record and claims history along with your total debt and payment history when they set your rate. Insurers use your credit score to figure out your risk level and likelihood that you'll file a claim in the future.

$297
$316
Avg. Monthly Cost - for Drivers with Good CreditAvg. Monthly Cost - for Drivers with Bad Credit
$19 ▴Monthly Impact of Bad Credit on Rates
6.40% ▴Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Louisiana?

It is possible to get car insurance without a credit check in Lousiana. There's a catch, however. Car insurance companies that don't check credit scores often charge higher premiums. Insurance companies that run credit checks do so to calculate how much risk comes with covering a driver. Without that check, the risk calculation is incomplete, and companies will charge more for coverage to compensate for that.

You may not want to go through a credit check, but it might be worth it to see if you can pay less for coverage with a standard car insurance company in Lousiana.

Louisiana Car Insurance Rates by Credit Tier

Louisiana car insurance rates follow a relatively straight path; the better your credit is, the lower your average monthly insurance cost will be. The difference in average monthly insurance costs between a Louisiana driver with excellent credit and one with poor credit is about $58. This is further proof that a lot more than a driver's credit score goes into determining insurance rates.

Credit Tier
Excellent$266
Good$297
Average$299
Poor$324

Car Insurance Rates With Bad Credit in Louisiana Cities

A poor credit score will be costly for drivers seeking car insurance in a handful of Louisiana cities. Drivers in New Orleans and Baton Rouge are looking at a $340 per month car insurance bill if they have bad credit.

CityCredit Tier
Baton RougePoor$342
New OrleansPoor$442
ShreveportPoor$269
LawrencePoor$107
LynnPoor$171

Tips for Researching Bad Credit Louisiana Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Louisiana draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

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Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

FAQs - Louisiana Car Insurance

Why is car insurance so expensive in Louisiana?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Louisiana?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Louisiana. 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.

Which providers have the best auto insurance ratings in Louisiana?

The way to find the carrier with the best auto insurance ratings in Louisiana and save on your insurance premiums 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.

How much do annual auto insurance rates increase in Louisiana?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.