120+ more*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on March 23, 2026. 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 March 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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.
Updated
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.
Louisiana drivers pay an average of $101 per month for liability-only insurance. Full-coverage rates average $179 per month.
Insurify data shows that average premiums in Louisiana dropped about 26% between June 2024 and February 2026. The state’s average car insurance cost is in line with what drivers pay nationwide.
We’ve collected rate data from 120+ insurance companies in Louisiana to help you compare your options.
The table below breaks down the cheapest insurers in Louisiana by coverage type and driver profile.
Driver Category | Cheapest Insurance Company in LA | Cheapest Monthly Quote in LA |
|---|---|---|
| Overall | State Farm | $64 |
| State-minimum coverage | State Farm | $64 |
| Full coverage | State Farm | $110 |
| Drivers with a clean record | State Farm | $64 |
| After a speeding ticket | State Farm | $81 |
| After an at-fault accident | State Farm | $86 |
| After a DUI | State Farm | $87 |
| Teen/new drivers | State Farm | $128 |
| Seniors | State Farm | $53 |
| Bad credit | State Farm | $92 |
Louisiana requires drivers to maintain minimum liability limits of 15/30/25, which equals $15,000 per person and $30,000 per accident in bodily injury liability and $25,000 in property damage liability.[1] This coverage keeps you legal on the road, but it won’t cover damage to your own vehicle.
If price is your main concern, liability-only insurance is the most affordable option, at $64 per month. State Farm consistently offers some of the lowest liability insurance rates in Louisiana.
The table below shows the cheapest liability-only rates in Louisiana.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $64 |
| Progressive | $77 |
| USAA | $81 |
| National General | $81 |
| Allstate | $104 |
| GEICO | $105 |
| Direct Auto | $114 |
| The General | $139 |
| Bristol West | $154 |
| Root | $157 |
| Safeco | $195 |
| Liberty Mutual | $213 |
| Hugo | $306 |
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Austin Moyers
Sales Manager, Insurify
Liability-only can help Louisiana drivers keep costs down, but it often leaves gaps in protection. In a state where storms and flooding can total a car quickly, many drivers choose higher liability limits or full coverage for better protection.
Louisiana frequently experiences hurricanes and tropical storms along the Gulf Coast, and traffic volume has increased about 11% from 2020 to 2025.[2] [3] These risks make full-coverage auto insurance a practical choice for many Louisiana drivers.
Comprehensive coverage pays for damage from flooding or other weather-related events, and collision coverage pays for damage resulting from a crash. If you finance or lease your vehicle, lenders may require full coverage until you’ve paid your car off.
State Farm and the insurers in the table below offer some of the cheapest full-coverage car insurance rates in Louisiana.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $110 |
| USAA | $138 |
| National General | $151 |
| Progressive | $159 |
| Allstate | $178 |
| GEICO | $179 |
| Direct Auto | $188 |
| Root | $254 |
| Safeco | $265 |
| The General | $293 |
| Bristol West | $318 |
*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on March 23, 2026. 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 March 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The Louisiana Department of Insurance recommends shopping around and comparing quotes before committing to a policy. That’s especially smart considering the state’s severe weather risks. The cheapest policy may not always provide enough protection.
Here are the best car insurance companies in Louisiana to help narrow your search.
| User Reviews | 4.0 |
|---|---|
| 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. | $64/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. | $110/mo |
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.
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.
About 11% of Louisiana households own multiple vehicles, according to Insurify data. State Farm’s multi-car discount can make a noticeable difference. You can also get discounts for good students and safe drivers. The Drive Safe & Save telematics program offers additional savings based on driving habits, which works well for families with predictable daily driving habits.
Large network of local agents in Louisiana
Above-average J.D. Power claims satisfaction rating
Offers roadside service and car rental reimbursement
Fewer available add-on coverage options than some competitors
Gap insurance not available
No diminishing deductible
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | 8.7 /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. | $77/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. | $159/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive’s Snapshot program prices your policy based on your driving distance and behavior.
High-mileage drivers who maintain safe driving habits can still earn meaningful car insurance discounts. That’s good news for Louisiana drivers, who average roughly 9,524 miles per year, based on Insurify data. Much of that driving happens on Interstate 10, I-20, or I-12.
Offers accident forgiveness and vanishing deductible
Name Your Price Tool helps keep prices down
Insures high-risk drivers
Snapshot program can raise rates for risky driving
Below-average J.D. Power claims satisfaction rating
Accident forgiveness may require five years of clean driving
| 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. | $81/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. | $138/mo |
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.
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.
Louisiana has several military installations, including Barksdale Air Force Base and the Naval Air Station Joint Reserve Base in New Orleans.[4]
Louisiana regulations require insurers to offer a 25% discount on liability premiums for active-duty military members stationed in the state.[5] That pairs well with other USAA perks, including bundling discounts and travel and relocation savings for members.
Top-rated for customer service and claims handling
Easy transfers when military families move between states
Two safe driving programs to lower premiums
No local agent offices in Louisiana for in-person service
Available only to military members and their families
Doesn’t offer gap coverage
Louisiana drivers have seen average full-coverage rates drop about 24% since mid-2024, falling from $3,131 to $2,385 by December 2025, according to Insurify data. Vehicle theft fell about 76% between December 2023 and December 2025.[6]
The I-20 construction project, which is replacing 1960s pavement on a stretch that handles up to 100,000 vehicles per day, is expected to be completed in 2026 and could help sustain the downward trend.
Insurify data projects another 0.4% decrease in Louisiana’s average car insurance rates by the end of 2026.
The table below shows how Louisiana’s car insurance rates have shifted over the last five years.
Insurify partners with 120+ top insurers for real-time quotes
Louisiana only requires liability insurance — one of several types of coverage available. Policies must meet Louisiana minimum insurance requirements for bodily injury and property damage at these levels:
Coverage Type | Louisiana Requirement |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $25,000 |
Louisiana is a comparative fault state. That means the at-fault driver pays the other party’s damages. If both drivers share blame, your compensation is reduced by your percentage of fault. If you’re 51% or more responsible, you can’t recover damages from the other driver.[7]
Since personal injury protection (PIP) isn’t available in Louisiana, you may consider adding medical payments coverage. It covers medical expenses no matter who caused the crash.
Where you live in Louisiana plays a big role in what you pay for auto coverage. Drivers in New Orleans and Baton Rouge pay some of the highest insurance premiums in the state. You may see lower rates if you live in Houma, Bossier City, or Shreveport.
The table below compares average monthly car insurance quotes across Louisiana cities.
City | Average Monthly Quote |
|---|---|
| Baton Rouge | $178 |
| Bossier City | $123 |
| Lafayette | $147 |
| Lake Charles | $150 |
| Metairie | $162 |
| New Orleans | $186 |
| Shreveport | $130 |
| Slidell | $153 |
Louisiana doesn’t use a traditional points system for traffic violations. Instead, the Louisiana Office of Motor Vehicles (OMV) tracks violations and convictions on your record. If you have a clean driving record, State Farm offers the lowest liability rates in Louisiana.
Here’s where to find the cheapest rates for Louisiana drivers with good credit and a clean record.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $59 |
| National General | $71 |
| Progressive | $74 |
| USAA | $75 |
| Allstate | $100 |
| GEICO | $101 |
| Direct Auto | $105 |
| The General | $126 |
| Bristol West | $145 |
| Root | $151 |
| Safeco | $200 |
| Liberty Mutual | $214 |
| Hugo | $286 |
In Louisiana, speeding ticket fines vary by parish and violation severity. For example, in Baton Rouge, fines typically range from about $190 to $220, depending how far over the speed limit you drive. In Lake Charles, fines range from $185 to $210, based on local court data.
For the nearly 4% of Louisiana drivers with a speeding ticket, State Farm offers the most affordable rates, according to Insurify data. The table below shows the cheapest liability rates for Louisiana drivers with a speeding ticket.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $81 |
| Progressive | $96 |
| National General | $101 |
| USAA | $105 |
| Allstate | $135 |
| GEICO | $137 |
| Direct Auto | $142 |
| The General | $186 |
| Bristol West | $193 |
| Root | $209 |
| Safeco | $256 |
| Liberty Mutual | $271 |
| Hugo | $391 |
More than 4% of Louisiana drivers have an accident on their record, according to Insurify data. Under Louisiana law, you must report a crash if it causes injury, death, or property damage above $500. That means even minor accidents can affect your insurance costs.
Louisiana also has a high traffic fatality rate compared to the national average, according to the Insurance Institute for Highway Safety.
State Farm currently offers Louisiana drivers the lowest rates after an accident.
The data below shows the cheapest rates for drivers with an at-fault accident in Louisiana.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $86 |
| Progressive | $105 |
| National General | $109 |
| USAA | $110 |
| GEICO | $139 |
| Allstate | $142 |
| Direct Auto | $158 |
| The General | $194 |
| Bristol West | $206 |
| Root | $213 |
| Safeco | $277 |
| Liberty Mutual | $288 |
| Hugo | $395 |
As of January 2026, a first-offense DUI in Louisiana can result in at least 10 days in jail, fines of up to $1,000, and a potential license suspension. A little less than 1% of Louisiana drivers have a DUI, according to Insurify data. State Farm offers the lowest rates for Louisiana drivers with a DUI.
The table below shows the cheapest liability quotes for Louisiana drivers with a DUI on their record.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $87 |
| Progressive | $96 |
| USAA | $110 |
| National General | $110 |
| GEICO | $141 |
| Allstate | $142 |
| Direct Auto | $155 |
| The General | $190 |
| Bristol West | $210 |
| Root | $215 |
| Safeco | $284 |
| Liberty Mutual | $290 |
| Hugo | $417 |
If you’re convicted of a DUI in Louisiana, you’ll need to file an SR-22 and install an ignition interlock device (IID) for at least six months to reinstate your license. An SR-22 proves your policy meets the state’s minimum liability limits, and you’ll typically need to maintain it for three years in Louisiana.
State Farm is the cheapest insurer for drivers who need an SR-22 in Louisiana. Take a look at the table below to see the insurers with the cheapest rates for drivers who need SR-22 insurance in Louisiana.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $73 |
| Progressive | $88 |
| USAA | $93 |
| National General | $93 |
| Allstate | $119 |
| GEICO | $121 |
| Direct Auto | $131 |
| The General | $160 |
| Bristol West | $177 |
| Root | $180 |
| Safeco | $224 |
| Liberty Mutual | $244 |
| Hugo | $351 |
Check quotes from 120+ top insurance companies
Driving ages vary by state. In Louisiana, teens can enroll in a driver education course at age 14 years and nine months. Teen licenses have restrictions until age 17, when drivers can receive a full license after passing the OMV knowledge test and road skills test.[8]
Louisiana teens and young drivers can pay some of the cheapest rates with State Farm.
The table below shows the cheapest rates for teen drivers in Louisiana.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $128 |
| Progressive | $148 |
| USAA | $154 |
| National General | $168 |
| GEICO | $193 |
| Allstate | $211 |
| Direct Auto | $225 |
| The General | $251 |
| Root | $279 |
| Bristol West | $283 |
| Liberty Mutual | $386 |
| Safeco | $403 |
| Hugo | $517 |
Roughly 17% of Louisian drivers are age 65 or older. Louisiana insurers generally can’t increase premiums solely because a driver is age 65 or older. Rates depend more on your driving record and coverage choices.
Because many drivers in their 60s have decades of experience and fewer violations, they often get the lowest rates. Senior drivers in Louisiana can find the cheapest rates with State Farm.
Here are the cheapest rates for senior drivers in their 60s in Louisiana.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $53 |
| National General | $67 |
| USAA | $69 |
| Progressive | $72 |
| GEICO | $87 |
| Allstate | $88 |
| Direct Auto | $96 |
| The General | $122 |
| Bristol West | $134 |
| Root | $137 |
| Safeco | $178 |
| Liberty Mutual | $186 |
| Hugo | $276 |
Insurers in Louisiana can use your credit when setting rates, but they must update your credit-based information at least once every 36 months. That means insurers could base your premium on outdated information. If your credit has improved, Louisiana law allows you to request a rescore once per year at renewal.
Several insurers in Louisiana offer affordable rates for drivers with bad credit, with State Farm offering the lowest prices. The data below breaks down the cheapest premiums for drivers with bad credit in Louisiana.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $92 |
| Progressive | $96 |
| USAA | $99 |
| National General | $100 |
| Allstate | $128 |
| GEICO | $129 |
| Direct Auto | $140 |
| The General | $171 |
| Bristol West | $190 |
| Root | $193 |
| Safeco | $240 |
| Liberty Mutual | $255 |
| Hugo | $377 |
Liability quotes in Louisiana start at $Auto-Owners /mo.
Louisiana drivers often have questions about car insurance. We answer the most common ones below.
Car insurance in Louisiana averages $101 per month for liability insurance and $179 per month for full coverage, Insurify data shows. Your cost depends on a variety of factors, like your driving record, age, credit, and where you live.
State Farm has the cheapest car insurance rates in Louisiana, with liability policies of $64 per month, according to Insurify data. Comparing quotes from several Louisiana insurers is the quickest way to find the best deal.
Louisiana requires drivers to have 15/30/25 liability coverage. That breaks down to $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 property damage coverage.
The best auto insurance companies in Louisiana depend on your needs. State Farm is a good choice for families, and Progressive is a good choice for high-mileage drivers. USAA also offers some of the lowest rates for military families, according to Insurify data.
No. Louisiana uses a comparative fault system. The driver who causes an accident is responsible for the other party’s damages. If you share some but not most of the blame, your compensation is reduced by your percentage of fault.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Featured in
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.
