Best Car Insurance in Louisiana (2025)

Farmers, USAA, and GEICO are among the best car insurance companies in Louisiana.

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Elizabeth Rivelli
Elizabeth Rivelli
  • 5+ years writing insurance and personal finance topics

  • Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, 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.

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Dozens of reputable car insurance companies serve Louisiana drivers, but choosing the right insurer can be difficult. It’s a good idea to compare factors like discounts, price, and customer satisfaction. Insurify analyzed more than 50 auto insurers to help you find the best car insurance in Louisiana for your situation.

Learn more about some of the Pelican State’s top car insurance companies.

Best car insurance companies in Louisiana

If you’re shopping for car insurance in Louisiana, it’s a good idea to compare several insurers. Here are five of the top companies to consider as you start your search.

Farmers: Best overall

User Reviews
3.8
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.
8.5 /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.
$110/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.
$216/mo
3.8
A solid optionBased on 2,248 verified guest reviews and ratings
How drivers feel about Farmers

Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.

AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers

Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.

AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,188)
Johanna
Verified Review
Don't go there
Reviewed in Texas on August 2025
My agent is totally uninvolved. He lacks communication skills. My home insurance is increasing by $300 a month in October, and he has no suggestions to help us.
Charles
Verified Review
Pretty good service at a lower than expected price for homeowners insurance
Reviewed in Texas on August 2025
Haven't had to speak with them but once a year so far.
Carol
Verified Review
Too Expensive
Reviewed in Pennsylvania on August 2025
Too expensive, more than other insurers. No notification when another person on my policy was in a minor fender bender.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
676
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Farmers ranked above average for overall customer satisfaction in the Southeast region by J.D. Power, indicating excellent customer service. The company also offers a great selection of add-on coverages, with options like original equipment manufacturer (OEM) coverage, accident forgiveness, customized equipment coverage, and glass repair coverage. Farmers also offers nearly 20 car insurance discounts.

Pros
  • High J.D. Power customer satisfaction score

  • Many available endorsements

  • Many discount opportunities

Cons
  • More complaints than expected with the National Association of Insurance Commissioners (NAIC)

  • AM Best financial strength rating of A (Excellent)

  • Below-average J.D. Power digital shopping rating

State Farm: Best for young drivers

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.
$72/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.
$107/mo
4.1
Best choiceBased on 11,464 verified guest reviews and ratings
How drivers feel about State Farm

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,107)
Edward
Verified Review
Good insurance, just not great.
Reviewed in Virginia on August 2025
Very responsive with claims, but costly premium increases.
Daniel
Verified Review
My experience with State Farm has been generally good
Reviewed in New Mexico on August 2025
I've never had any real problems with State Farm. When I'm trying to reduce my insurance costs, I shop around.
Lori
Verified Review
Excellent
Reviewed in California on August 2025
Expensive but good if you need it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm has the best car insurance in Louisiana for young drivers. Drivers younger than 25 can take advantage of Steel Clear, State Farm’s usage-based telematics program, which rewards safe drivers with a reduced premium. State Farm also offers discounts for smart students, students away at school without a vehicle, and drivers younger than 21 who complete an approved driver training course.

Pros
  • Safe driver rewards program for drivers younger than 25

  • Multiple discounts for students and teens

  • Above-average J.D. Power customer satisfaction score

Cons
  • Fewer endorsements than some competitors

  • Many more complaints than expected with the NAIC

  • Doesn't offer accident forgiveness coverage

USAA: Best for military families

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.
$90/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.
$134/mo
4.9
Best choiceBased on 2,148 verified guest reviews and ratings
How drivers feel about USAA

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,213)
John
Verified Review
Not recommended for vehicle insurance
Reviewed in New Jersey on August 2025
Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.
Mike
Verified Review
Excellent
Reviewed in Massachusetts on August 2025
Exceptional. It would take major savings to get me to switch.
David
Verified Review
Best insurance company, hands down!
Reviewed in Connecticut on August 2025
Absolutely wonderful! 60 years of great reliability.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA sells car insurance to military families, including active-duty servicemembers, veterans, and their spouses and children. USAA is consistently rated among the best insurers for overall customer satisfaction in Louisiana, and it has an AM Best financial strength rating of A++ (Superior).

The company also offers various car insurance discounts, with savings for storing a vehicle during deployment, customer loyalty, and driving infrequently, among others.

Pros
  • Highest J.D. Power customer satisfaction score

  • Superior financial stability rating

  • Many available discounts

Cons
  • Availability restricted to members of the military community

  • Less endorsements than some competitors

  • No 24/7 live customer support

GEICO: Best for discounts

User Reviews
3.9
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.
9.2 /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.
$118/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.
$174/mo
3.9
A solid optionBased on 12,129 verified guest reviews and ratings
How drivers feel about GEICO

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,474)
Gail
Verified Review
Poor
Reviewed in Florida on August 2025
They are not a good carrier. My rates went up to $2000.00 a year because I moved 6 miles.
Greg
Verified Review
Geico is okay
Reviewed in North Carolina on August 2025
Great customer service and roadside assistance. They start out with low prices, but the price increases over time and never decreases!
Richard
Verified Review
Less, Not More
Reviewed in New York on August 2025
When you become a senior citizen, they don’t lower your rates; they increase them significantly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
651
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO is the best car insurance company in Louisiana for drivers looking for cheap car insurance through discounts. GEICO offers savings for safe drivers, good students, military personnel, federal employees, affinity group members, bundling your policies, taking a defensive driving course, wearing a seat belt, and more.

GEICO also offers a variety of online tools and resources and has an above-average rating for digital shopping by J.D. Power.

Pros
  • Many available discounts

  • High J.D. Power digital shopping rating

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Below-average J.D. Power customer satisfaction score

  • Fewer endorsements than some competitors

  • Low J.D. Power claims satisfaction score

Liberty Mutual: Best for customizable coverage

User Reviews
3.5
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.
7.7 /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.
$192/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.
$284/mo
3.5
A solid optionBased on 3,050 verified guest reviews and ratings
How drivers feel about Liberty Mutual

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,746)
Robert
Verified Review
Liberty Mutual vs All Others
Reviewed in Colorado on August 2025
Policy explanations are weak, rates are too high, options are confusing, and the claim process is average. I find nothing that stands out from one insurance company versus another.
Consuela
Verified Review
My opinion
Reviewed in Florida on August 2025
They're good, I just would like to find something cheaper though.
Linda
Verified Review
Liars
Reviewed in Tennessee on August 2025
They constantly increase premiums after initially claiming they would reduce them the longer I stayed with them, even with no claims.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Liberty Mutual has an impressive selection of car insurance endorsements, which makes it a good option for Louisiana drivers who want to customize their policy. Liberty Mutual offers original parts coverage, accident forgiveness, new car replacement coverage, teacher’s auto insurance, gap insurance, and others. Additionally, customers can get guaranteed repairs after a claim at one of Liberty Mutual’s 2,000 Guaranteed Repair Network auto-body shops.

Pros
  • Many available endorsements

  • Lifetime guaranteed auto repairs at qualifying shops

  • Many available discounts

Cons
  • Poor J.D. Power customer satisfaction score

  • Below-average J.D. Power claims satisfaction score

  • Average rates higher than some competitors

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Louisiana to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in Louisiana

To find the best car insurance in Louisiana, here are some things to keep in mind.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Consider your coverage needs

    Every Louisiana driver has different coverage needs. For example, if you drive a brand-new car, you might want full coverage with endorsements like new-car replacement coverage. If you have a teen driver on your policy, you might want accident forgiveness or roadside assistance. Consider your unique coverage needs and choose an insurer that offers the types of coverage you want.

  • illustration card https://a.storyblok.com/f/162273/150x150/edb628e3ac/insurify-icons-auto-blue-96x96_013-family.svg

    Read reviews from policyholders

    Before you choose a car insurance company, it’s a good idea to read online reviews from current and past policyholders. These reviews will give you a better sense of the company’s customer service and claims-handling practices. Websites like the Better Business Bureau (BBB) and Trustpilot can provide some insight into popular insurance companies and help you choose an insurer that’s trustworthy.

  • illustration card https://a.storyblok.com/f/162273/150x150/243feaaa23/contact-us-96x96-orange_033-rating.svg

    Study third-party ratings

    Most of the largest car insurance companies in Louisiana are rated by reputable third-party organizations. For example, J.D. Power scores insurers based on overall customer satisfaction, claims satisfaction, and digital experience. Check AM Best to see how financially stable a company is. The company’s stability indicates how well it’s able to pay claims. You can also review the NAIC Complaint Index to find out how many complaints an insurer receives in relation to its size.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Compare quotes from multiple companies

    Car insurance rates are personalized for every driver, and insurance companies charge different rates for the same types and amounts of coverage. To find the most affordable car insurance for your needs and situation, it’s beneficial to compare rate quotes from a few insurance companies.

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Average cost of car insurance in Louisiana 

The average cost of car insurance in Louisiana is $117 per month for liability-only coverage and $211 per month for full coverage. Drivers in Louisiana pay more for car insurance than the U.S. national average.

Keep in mind that car insurance premiums are different for every driver. Insurers calculate rates based on many factors, including your ZIP code, age, credit history, driving record, vehicle type, coverage limits, deductibles, and the discounts you qualify for.[1]

Best car insurance in Louisiana FAQs

If you’re shopping for car insurance in Louisiana, here’s some additional information that can help you choose the best company.

  • How much is car insurance in Louisiana?

    The average cost of car insurance in Louisiana is $117 per month for liability-only coverage and $211 per month for full coverage. These rates are above the national averages of $104 for liability coverage and $184 for full coverage.

  • What are the best car insurance companies in Louisiana?

    Some of the best car insurance companies in Louisiana are Farmers, USAA, State Farm, and GEICO. But the best auto insurance company will depend on personal factors, like your preferences, coverage requirements, and budget. Comparing a few companies can help you pick the right insurer for your situation.

  • What’s the required auto insurance coverage amount in Louisiana?

    Louisiana requires drivers to carry at least 15/30/25 in personal liability insurance. A minimum-coverage policy includes $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident.[2] Most drivers can benefit from a full-coverage policy that includes collision, comprehensive, and underinsured/uninsured motorist coverage.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Louisiana Commissioner of Insurance. "Consumer's Guide to Auto Insurance."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 

Elizabeth has been a contributor at Insurify since October 2022.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, 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.

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