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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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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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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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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
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Table of contents
Drivers in the Pelican State pay about $219 per month for full-coverage car insurance and $118 for liability-only coverage.
Louisiana has some of the most expensive car insurance costs in the country. The state’s risk of damage from extreme weather contributes to its higher insurance costs. Weather-related disasters cost the state about $6.9 billion per year, according to data from the National Centers for Environmental Information.
But comparing car insurance quotes could help Louisiana drivers find the cheapest rates available to them.
Louisiana drivers pay an average of $2,626 per year for full-coverage car insurance.
Louisiana requires all drivers to carry a minimum amount of liability car insurance — but nearly 12% of state drivers are uninsured, according to data from the Insurance Research Council.
Because Louisiana is a pure comparative fault state, drivers can collect financial compensation even if they partially caused the car accident.
3 of the cheapest car insurance companies in Louisiana
State Farm has the cheapest rates for Louisiana drivers. But this doesn’t mean it’s the best car insurance company for you. Your auto insurance cost may be higher or lower depending on various factors, such as the type of car you drive, your age, and your credit history.
See average monthly premiums from three of the cheapest companies below.
State Farm
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. | $63/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 |
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.
K
March 12, 2025
Poor
Michael
March 12, 2025
Horribly Managed Company
Jackie
March 12, 2025
Great, but the Rates are High
State Farm has the cheapest average premiums in Louisiana, with rates below the state and national averages. The company is a top choice for customer satisfaction, cost, financial strength, and availability. From Abbeville to Zachary, you can find an exclusive State Farm agent in 122 Louisiana cities.
Savings of up to 30% with safe driver discount
Mobile app allows for easy policy management
Average customer satisfaction ratings in the J.D. Power 2024 U.S. Auto Insurance Study
Must go through a State Farm agent to buy a policy
Gap insurance not available
62 complaints in Louisiana in 2023, according to the National Association of Insurance Commissioners (NAIC)
USAA
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. | 9.4 /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. | $79/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. | $131/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.
Rose
March 11, 2025
You would be paying for nothing
Tina
March 11, 2025
USAA
Lizy
March 10, 2025
Expensive
Active-duty military members, veterans, and their families can benefit from USAA’s competitive rates, various coverage options, and discounts. USAA has high rankings for customer satisfaction and financial strength, and the company has affordable average premiums.
The company has other insurance products Louisiana’s 15,000 active-duty service members and 19,000 National Guard and reserve members can choose to purchase, including homeowners, renters, life, and business insurance.
Flexible policy options and discounts for customizing coverage
Only 17 complaints in Louisiana in 2023, according to the NAIC
Ranked well above average in the J.D. Power 2024 U.S. Auto Insurance Study in the Central region
Only available to members of the military community
No local offices in Louisiana
Limited customer service hours
Allstate
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. | 8.9 /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. | $102/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. | $170/mo |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Joshua
March 12, 2025
Keep Shopping
James
March 12, 2025
Price Gougers
Lee
March 12, 2025
Great Experience
Allstate offers numerous ways for drivers to customize their coverages, including adding a rideshare insurance policy if you drive for Uber, Lyft or another rideshare company. Louisiana doesn’t require rideshare drivers to purchase rideshare insurance, but personal auto insurance policies without an endorsement won’t cover damages that occur while you’re driving passengers.
Customizable policy options and discounts
65 Allstate agents throughout the state
Rideshare insurance is available
More expensive average premiums than other insurers in Louisiana
11 complaints in Louisiana in 2023, according to the NAIC
Ranked below average in the J.D. Power 2024 U.S. Auto Insurance Study in the Central region
How to get the cheapest car insurance in Louisiana
Getting cheap car insurance in Louisiana can be tricky, considering the average premium is nearly 50% higher than the national average, but it’s possible. When setting rates, insurers evaluate your driving record, coverage needs, age, ZIP code, vehicle type, and other factors.
The Louisiana Department of Insurance suggests these tips to help you find a policy that fits your budget:
Shop around. Get multiple insurance quotes to find the best deal.
Raise your deductible. Choosing a higher deductible can lower your premium.
Apply for discounts. Save money with discounts, such as those offered to good students or safe drivers.
Bundle benefits. Bundle your car insurance with other policies, like home or renters insurance, for potential savings.
Drive safely. Maintain a clean driving record to get the cheapest rates.
Cheapest liability-only car insurance quotes in Louisiana: State Farm
Liability-only car insurance covers damages or injuries you cause to others in a car accident but doesn’t include vehicle repairs or medical costs. While it fulfills the legal requirements for minimum coverage, liability-only coverage may leave you vulnerable to a large financial loss from an at-fault accident.
The average monthly cost of liability insurance in Louisiana is $118 per month. Here are the average liability insurance rates from several of the cheapest car insurance companies in the state.
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 | $63 |
USAA | $79 |
National General | $96 |
Allstate | $102 |
GEICO | $102 |
Direct Auto | $103 |
Progressive | $121 |
Clearcover | $161 |
The General | $175 |
Bristol West | $205 |
Cheapest full-coverage car insurance quotes in Louisiana: State Farm
Liability coverage is enough to drive legally, but sometimes you may want more security. Full coverage includes liability-only insurance, as well as collision and comprehensive coverage. It can give you extra security if you drive a newer or pricier car or want more financial protection against accidents, theft, or other damage.
On average, drivers in Louisiana pay $219 per month for full-coverage insurance. The table below shows the cheapest average full-coverage insurance rates from insurers 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 | $105 |
USAA | $131 |
Allstate | $170 |
GEICO | $170 |
National General | $184 |
Direct Auto | $190 |
Progressive | $202 |
Clearcover | $260 |
Safeco | $262 |
The General | $351 |
Bristol West | $416 |
Cheapest recent car insurance quotes in Louisiana
Drivers in and around Louisiana have found policies from Allstate, Direct Auto, National General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance rates follow a pattern as people get older. Teen drivers pay the most for car insurance.
“Because teens have the least amount of driving experience and the highest rate of accidents of any demographic, they pay the highest average rates across the U.S.,” says Mark Friedlander, corporate communications director at the Insurance Information Institute.
After age 25, rates usually drop as drivers gain experience and become more responsible. But around age 70, premiums start to increase slightly for senior drivers due to an increased risk of accidents.
In the table below, you can see how much Louisiana drivers in different age groups pay for car insurance coverage.
Age GroupAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageTeen drivers $253 $470 Adult drivers $106 $197 Senior drivers $92 $171 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Louisiana
Louisiana is a pure comparative fault state.[1] This means you can collect financial compensation even if you were partly responsible for a car accident. The law helps ensure you have coverage if you make a mistake behind the wheel. But drivers usually have a one-year time limit on filing a lawsuit after an accident.
“Insurers pay up to twice the amount in claim payments for bodily injury claims and property damage claims in Louisiana than they do in most of the rest of the country,” says John Ford, deputy commissioner of public affairs for the Louisiana Department of Insurance.
Below are Louisiana’s minimum liability car insurance requirements:
Coverage | Minimum Requirements |
---|---|
Bodily injury liability | $15,000 per person / $30,000 per accident |
Property damage liability | $25,000 per accident |
Though Louisiana doesn’t require these coverages, they can offer extra, useful protection for you and your vehicle.
Medical payments coverage
If you get into an accident, medical payments coverage takes care of your medical expenses, regardless of who’s at fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist insurance covers you when another driver doesn’t have insurance or doesn’t have enough coverage. Louisiana requires all insurance companies to offer this coverage, but drivers can decline to purchase it.
Roadside assistance
If you find yourself stuck on the side of the road, roadside assistance coverage can pay to tow your vehicle to a repair shop or another location.
Full coverage
Full coverage typically includes collision and comprehensive insurance to cover repairs or replacement after an accident, theft, fire, or other event.
Rideshare insurance
If you drive for a rideshare company, rideshare insurance fills coverage gaps left by your personal car insurance and the rideshare company’s insurance.[2]
Cheapest car insurance in Louisiana by driving record
An incident is an at-fault accident, a speeding ticket, a DUI/DWI, or another moving violation that can negatively affect your driving record and car insurance rates.
“At-fault accidents and violations are used in premium calculations because they are predictive of a driver’s risk level,” Ford says. A speeding ticket can raise rates more than $500 [per year] for liability insurance, while a DUI can add nearly $900 to your premiums.
“Each insurer treats incidents differently, but the overall frequency of incidents can raise premiums in a geographic area,” says Ford. “For example, cities with higher instances of auto theft would likely see higher premiums for comprehensive coverage relative to cities with lower instances of auto theft.”
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 | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
---|---|---|---|
State Farm | $83 | $87 | $105 |
USAA | $105 | $110 | $132 |
National General | $127 | $132 | $160 |
Allstate | $135 | $142 | $170 |
GEICO | $135 | $142 | $170 |
Direct Auto | $137 | $146 | $172 |
Root | $156 | $163 | $164 |
Progressive | $160 | $172 | $202 |
Clearcover | $213 | $244 | $269 |
The General | $241 | $250 | $292 |
Liberty Mutual | $263 | $273 | $310 |
Bristol West | $275 | $286 | $342 |
Safeco | $311 | $328 | $370 |
Where you live in Louisiana can affect how much you pay for car insurance. Risk factors like congested roadways, accident rates, and vehicle crimes are tied to location. Check out liability and full-coverage rates for different Louisiana cities in the table below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.Data reviewed by Konstantin Halachev7+ 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.
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageBossier City $103 $178 Shreveport $110 $209 Lake Charles $122 $235 Slidell $128 $232 Lafayette $130 $217 Baton Rouge $150 $270 Metairie $152 $228 New Orleans $158 $257 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Louisiana car insurance FAQs
Finding the best car insurance in Louisiana can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in the Bayou State.
The state average cost of car insurance in Louisiana is $168 per month. Drivers pay $118 per month for liability coverage and $219 per month for full coverage. Your average rates ultimately depend on your driving record, credit history, marital status, age, location, and more.
The cheapest car insurance companies in Louisiana are State Farm, USAA, and National General. Their liability-only rates average $63, $79, and $96 per month, respectively. But the cheapest insurer for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and chosen coverage levels.
Louisiana requires drivers to carry $15,000 per person and $30,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability coverage. It ’s a good idea to purchase a coverage amount beyond the state requirements for more vehicle protection.
No. Louisiana is a pure comparative fault state, meaning drivers can collect financial compensation even if they were partly responsible for an accident.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- NOLO. "Louisiana Car Accident Laws."
- Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
)
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
)
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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.
)
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.