Best Car Insurance in Louisiana (2026)
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 RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
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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 | 3.2 |
|---|---|
| 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. | $105/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. | $213/mo |
3.2
A solid option in LouisianaBased on 2,408 verified driver reviews and ratings
Farmers's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.0 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Louisiana for
Showing recent national reviewsSee all 1,121 Farmers reviews
Verified Review
Reviewed in California on May 27, 2026
I've been happy with Farmers for years, very happy. I need to save money. That's why I'm looking for a better price.
Verified Review
Reviewed in Kansas on March 3, 2026
Expensive car insurance, but cheaper house insurance and cheaper umbrella. As a result, a combo of the three makes them competitive with other companies.
Verified Review
Reviewed in Minnesota on February 27, 2026
Farmers made changing insurance easy and called to make sure I have what I need. It's half the cost of my previous insurance.
…
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. | $51/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 |
4.1
Best choice in LouisianaBased on 18,541 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Louisiana for
Showing 31 reviews from Louisiana driversSee all 7,617 State Farm reviews
Verified Review
Reviewed in Louisiana on June 7, 2026
Very difficult to get responses from the claims handler. I felt the only time I got responses was after complaining to the insurance agent about the lack of any response. The insurance agent, on the other hand, was very responsive.
Verified Review
Reviewed in Louisiana on May 31, 2026
Friendly and very helpful.
Verified Review
Reviewed in Louisiana on May 17, 2026
It is too high. I pay $166 a month, and I should not be paying more than $66 a month.
…
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 | 4.3 |
|---|---|
| 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. | $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. | $146/mo |
4.3
Best choice in LouisianaBased on 3,740 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Louisiana for
Showing 8 reviews from Louisiana driversSee all 1,589 USAA reviews
Verified Review
Reviewed in Louisiana on May 29, 2026
I have always had good experiences with Progressive. I would advise any friend to go with Progressive.
Verified Review
Reviewed in Louisiana on May 28, 2026
Very good coverage, quick and courteous service. Premiums are too high. Increases with last 3 renewals, no changes in driving record.
Verified Review
Reviewed in Louisiana on May 8, 2026
Quoted one price, second month increase of $90.00 per month.
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 | 4.2 |
|---|---|
| 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. | $84/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. | $190/mo |
4.2
Best choice in LouisianaBased on 18,579 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Louisiana for
Showing 28 reviews from Louisiana driversSee all 7,790 GEICO reviews
Verified Review
Reviewed in Louisiana on May 29, 2026
My only complaint is my payments are too high.
Verified Purchase
Reviewed in Louisiana on April 27, 2026
Reasonable price.
Verified Purchase
Reviewed in Louisiana on April 17, 2026
It is always a good experience working with GEICO. It all depends on their quote at the time, just like any other insurance company.
…
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 | 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. | 8.4 /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. | $129/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. | $207/mo |
4.0
Best choice in LouisianaBased on 4,038 verified driver reviews and ratings
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Louisiana for
Showing recent national reviewsSee all 1,944 Liberty Mutual reviews
Verified Review
Reviewed in Tennessee on June 5, 2026
Beware of the Right Track app that you are forced into. The app is quirky and works only at certain times, and it’s unknown until it’s time to confirm or validate the trip. Upon finally completing the exercise, LIMU has the opportunity to increase your premium even if you have no violations. It’s arbitrary and unarguable. It’s also difficult to make contact with anyone to discuss any customer service questions or issues. They offer no provision for vehicles older than 1990. I’ve never considered LIMU to be customer-friendly or reasonably priced, since being referred by USAA.
Verified Review
Reviewed in Connecticut on June 2, 2026
I had a claim on my home insurance pertaining to the two bad storms we had in March and had trouble getting help with them. Both instances I had leaks that came into the house and garage from the roof. Liberty only gave me a check to cover the bathroom ceiling and not the other four rooms and also the garage. I never made a claim and had Liberty for 35 years.
Verified Review
Reviewed in Kentucky on June 1, 2026
Just shop for the best coverage and rate.
…
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.
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 $106 per month for liability-only coverage and $209 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 $106 per month for liability-only coverage and $209 per month for full coverage. These rates are above the national averages of $98 for liability coverage and $186 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
- 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 RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert