Best Car Insurance in Louisiana (2025)
Farmers, USAA, and GEICO are among the best car insurance companies in Louisiana.
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Written byElizabeth Rivelli
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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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Edited byChris Schafer
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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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Reviewed byMark Friedlander
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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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Table of contents
Table of contents
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. | $215/mo |
3.8
A solid optionBased on 2,264 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 (1,193)
Harold
Verified Review
A Big Helper
Reviewed in Indiana on September 2025
Very good follow-up and made it much better.
Katherine
Verified Review
Friendly and Very Polite
Reviewed in Michigan on September 2025
Very professional and thorough.
Donald
Verified Review
Farmers
Reviewed in California on September 2025
Keep an eye out for continuous premium increases.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
676NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28A.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).
AWhy 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. | $69/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. | $105/mo |
4.1
Best choiceBased on 11,626 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 (6,167)
Eddie
Verified Review
Comparing Insurance Premium
Reviewed in New York on September 2025
Comparing the amount I pay for coverage with State Farm to other insurance companies, I find that I pay less with them.
Michael
Verified Review
State Farm Car Insurance
Reviewed in Utah on September 2025
I've had no problems with State Farm, although their prices are a bit higher than those of other auto insurance companies.
Joel
Verified Review
Service Performance
Reviewed in Pennsylvania on September 2025
Very well pleased with the service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | $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. | $132/mo |
4.9
Best choiceBased on 2,183 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 (1,220)
David
Verified Review
USAA not the same anymore
Reviewed in Florida on September 2025
Shop around; they have become expensive in comparison. I had a claim and told the adjuster they were being overcharged by the shop, but the adjuster would not listen and paid the higher charges.
Denise
Verified Review
Excellent service
Reviewed in South Carolina on September 2025
Great service. Always available to answer questions. Quick email responses. Very good customer service.
Angela
Verified Review
Expensive and Non-Existent Customer Service
Reviewed in Georgia on September 2025
USAA is extremely difficult to deal with. They will ask you an assortment of questions to verify who you are, but you can never seem to get verified, so you cannot actually talk to a live person.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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. | $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. | $172/mo |
3.9
A solid optionBased on 12,250 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 (6,507)
Mckenzie
Verified Purchase
Best experience I've ever had with purchasing insurance for a vehicle!
Reviewed in on September 2025
They were fast, friendly, and only asked me questions that needed to be asked.
Nicholas
Verified Review
Geico not so good.
Reviewed in New York on September 2025
They don’t pay out claims easily. They keep raising rates even though I have a clean driving record and barely drive.
Kathleen
Verified Review
Geico Insurance
Reviewed in California on September 2025
Their insurance is too high; the rates go up every year just so they can add to their pockets. It's sad that you have no choice.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
651NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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. | $200/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. | $268/mo |
3.5
A solid optionBased on 3,065 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 (1,754)
Kelly
Verified Review
Very User-Friendly
Reviewed in Oklahoma on September 2025
Liberty is very straightforward. The buying process is easy.
Robert
Verified Review
Pay attention to your cost
Reviewed in Connecticut on September 2025
They increase the premium significantly, even with no claims.
Fern
Verified Purchase
Good
Reviewed in on September 2025
Good value, customer service needs improvement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.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).
AWhy 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.
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.
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.
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.
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 $114 per month for liability-only coverage and $204 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 $114 per month for liability-only coverage and $204 per month for full coverage. These rates are above the national averages of $103 for liability coverage and $182 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.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Louisiana Commissioner of Insurance. "Consumer's Guide to Auto Insurance."
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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.
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
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.