Cheapest Car Insurance In Louisiana

GEICO offers the cheapest car insurance for residents of Louisiana, with average premiums of $1,262 per year.

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Bob Phillips
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Our guide on the lowest-cost auto insurance in Louisiana is a resource you can use to get the best deal on your policy. It’s based on more than 30 hours of extensive research that included analyzing 54 quotes from several of the biggest auto insurance coverage providers in Louisiana. We found that GEICO is, pound for pound, the provider of the cheapest auto insurance for drivers in many categories.

The insurance provider was the lowest-cost overall in Louisiana, the top pick for drivers with less-than-perfect driving records, and the best option for motorists looking for minimum coverage or full comprehensive coverage. GEICO is also a great option for older motorists.

Many Louisiana motorists typically pay around $254 a month for liability-only coverage and about $314 for comprehensive coverage. But where you live will have a big impact on your monthly premium. If you live in a region considered to be low risk, your insurance might cost as little as $208.

In this car insurance guide, you get to see the landscape for coverage and premiums. We’ll look at and analyze premiums charged by different insurance companies so that you know what you can expect to pay for the auto insurance coverage you need.

Cheapest Overall Rates In Louisiana

Company Average Rate Annually
GEICO $1,262
Plymouth Rock $2,328
State Farm $2,592
Travelers $2,616
Nationwide $3,012

Cheapest Rates For Motorists With Driving Violations In Louisiana

Car Insurance Provider Average Rate Annually
GEICO $2,236
NJM Insurance $2,358
Plymouth Rock $2,561
Progressive $2,849
Travelers $3,908

Cheapest Full Coverage Rates In Louisiana

Insurance Business Average Rate Annually
GEICO $1,404
State Farm $1,512
Progressive $1,692
NJM Insurance $1,705
Plymouth Rock $1,718

Cheapest Minimum Coverage Rates In Louisiana

Insurance Provider Average Rate Per Annum
GEICO $1,334
Progressive $1,389
NJM Insurance $1,427
State Farm $1,518
Travelers $1,623

Cheapest And Best Car Insurance Companies In Louisiana, 2024

Best Car Insurance, Louisiana 2024

Compare The Cheapest Car Insurance Companies In Louisiana

Overall Rating Best For A.M Best Rating J.D Power Rating Average Annual Cost Get A Quote
GEICO
4.7

Overall

A++

824

$1,262

Instant Quote
Nationwide
4.8

Young Adults

A+

812

$1,921

Instant Quote
GEICO
4.7

Minimum Coverage

A++

824

$1,344

Instant Quote
GEICO
4.7

Full Coverage

A++

824

$1,404

Instant Quote
State Farm
4.9

Married Drivers

A++

877

$1,739

Instant Quote
GEICO
4.7

Senior Drivers

A++

824

$1,302

Instant Quote
Travelers
4.9

Bad Credit

A++

822

$1,949

Instant Quote
GEICO
4.7

Driving Violations

A++

824

$2,236

Instant Quote
Scroll to see comparisons

Our Methodology

In our search for the best car insurance coverage rates in Louisiana, we analyzed information from reputable automobile insurance review websites. Some of these sources contained data from public filings obtained via Quadrant Information Services. Our team of industry professionals, with 25 years of industry experience, carefully assessed each insurer. Here’s a rundown on why you can trust our guide to help you find the right insurance coverage: While we stand behind the accuracy of the information in this guide, keep in mind that premiums change regularly and are impacted by various factors as determined by the respective insurers.

54

Quotes Assessed

30+

Hours Of Research

25

Years Of Industry Expertise

16

Brands Reviews

Best Cheap Car Insurance Companies In Louisiana


Best Overall

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

If you enjoy the process of finding insurance, you’re in the minority. Most people endure the process due to necessity. However, GEICO might make a believer out of you. The insurer makes it easy to find what you want, apply for it, and pay for it. You’ll see that buying car insurance in Louisiana doesn’t have to be difficult, time-consuming, or stressful.

The insurance provider has an easy-to-use website and app you can use to find the right insurance coverage for you and complete the application process. GEICO is one of the best providers of low-cost car insurance in Louisiana.

You won’t find many insurers in Louisiana that can match GEICO on cost and customer experience.

Benefits & Drawbacks

Benefits
  • Reasonably priced policies for motorists in most categories
  • Well known for client service and satisfaction
  • Provides several discount options for policyholders
  • Offers easy-to-use website and app
Drawbacks
  • Lack of local agents to assist people
  • Lacks gap insurance or rideshare insurance

Best For Young Adults

Overall Rating
4.8

Key Statistics

8/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Nationwide’s monthly premiums for young drivers may be a tad high compared to what other insurers charge. But the insurance company stands out in a good way because of the customization options it offers its customers. Young adults can mix and match to get the right coverage for them at a cost they can handle.

For young drivers who own high-mileage older cars, Nationwide’s car insurance is worth considering. Policyholders can select liability coverage rather than full collision or comprehensive coverage. Going this route can translate into a substantial savings on the monthly premium – and liability coverage might be all that’s needed for an older car.

The insurance company ups the ante for young motorists by offering a Good Student Discount. If you’re a full-time high school student or college students who is between the ages of 16 and 24 with at least a “B” average, you can qualify for the Good Student Discount. Nationwide customers who qualify for the Good Student Discount can achieve a 15% cut on their premiums.

As well, Nationwide offers innovate usage-based (SmartRide) and pay-per-mile insurance programs that are a great fit for many young adults who drive relatively infrequently. Since these programs charge based on usage, young adults who don’t drive a lot can save money.

Benefits & Drawbacks

Benefits
  • Free insurance review can assist young adults get appropriate coverage
  • SmartRide usage-based offer can help drivers save money
  • Student Discounts are available for high school and college student who have at least a B average
Drawbacks
  • Possible rate increases after filing a claim
  • Teen drivers face more expensive premiums
  • Does not provide a military discount

Best For Driving Violations

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

There’s no denying that GEICO’s car insurance rates are slightly higher for drivers with DUIs. But the company shows more flexibility toward motorists with speeding tickets or other relatively minor transgressions. GEICO offers better rates than competitors like Progressive or Travelers to motorists whose driving records are less than spotless.

GEICO is also well known for offering a great shopping experience. Customers can use it website or mobile app to find exactly what they’re looking for. If your driving record is no unblemished, you’ll have difficulty finding an insurance company in Louisiana that offers better rates than GEICO.

Benefits & Drawbacks

Benefits
  • Widely regarded as a top contender for customer loyalty and customer service
  • Low prices for most drivers
  • Handles claims efficiently
  • Offers discounts to lower monthly premiums
Drawbacks
  • Lack of local agents to assist policyholders
  • Doesn’t offer options like vanishing deductibles or car replacement
  • Rates for drivers with DUIs a bit higher than average

Info On The Category And How It Impacts Motorists

When people make requests to get car insurance coverage, insurers create driver profiles that are based on things like driving histories.

A good driving record translates to a better monthly premium. If your driving record includes infractions like speeding tickets, you may be placed in the medium-risk or high-risk category. That’ll mean higher rates. But if you have a clean driving record, that will lead to a lower rate.


Best For Full Coverage

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

Seventy-nine per cent of drivers choose comprehensive policies over minimum policies. What this work out to is a higher car insurance premium. With GEICO, you can get the extra coverage you want for less than what the competition charges. GEICO offers policyholders various discounts that can drive down the price of a full comprehensive car insurance policy.

The insurer is a recognized name for people seeking low-cost car insurance in Louisiana. GEICO also offers best-in-class client service and a great shopping experience. In addition to offering low rates, GEICO ups the ante by offering several discounts policyholders can apply for to slash their monthly premiums further.

Benefits & Drawbacks

Benefits
  • Gets top marks for offering low premiums
  • Offers discounts to lower premiums further
  • Top insurer for customer service, client experience, and customer loyalty
Drawbacks
  • Lack of agents to assist consumers
  • Doesn’t offer added coverage options like vehicle replacement or rideshare insurance

Info On The Category And How It Impacts Motorists

When drivers start the process of seeking car insurance in Louisiana, one of the first things they consider is if they should get full coverage or minimum coverage. You’ll get more protection with full coverage if you get into a car accident – especially if you’re the one who was at fault.

If you have minimum car insurance coverage and are the cause of a vehicle mishap, you might be required to foot the costs for damages out of pocket. You won’t find yourself responsible for such costs if you have comprehensive auto insurance. With comprehensive coverage, you’ll get:

  • Bodily injury liability
  • Property damage liability
  • Comprehensive and collision protection

Best For Bad Credit

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Having bad credit can boost your vehicle insurance rates – which can make it hard to obtain reasonably priced coverage. However, Travelers might be one of the best options for motorists in this position. It offers some of the most cost-effective rates for motorists with bad credit.

Travelers is able to do this without jeopardizing the comprehensiveness of its policies. So, motorists can get the right coverage at the right cost even if their credit isn’t the best.

Travelers’ value proposition is that it allows customers to choose the right coverages for their car insurance policies. Drivers who don’t have good credit will benefit from this since they can avoid unnecessary coverages that drive up the costs.

Travelers also prioritizes customer service. Motorists with bad credit will be able to work with the insurer’s agents to find the right car policies.

Travelers’ determination to make car insurance affordable for people with bad credit goes beyond merely offering low premiums. It also offers discounts to reduce costs even further. Examples include multi-policy discounts and safe driver discounts. Such discounts make Travelers a great option for drivers with bad credit.

Benefits & Drawbacks

Benefits
  • Provides a safe driver discount
  • Minimal complaint index
  • Rates are below the national average
Drawbacks
  • Higher rates possible for bad driving habits
  • Doesn’t offer pay-per-mile program
  • Lacks a grace period unless state law requires it

Best For Married Drivers

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

If you want car insurance that’s cost-effective and dependable, State Farm is one of the best insurance companies out there. That’s especially the case for married drivers.

The insurer offers some of the industry’s most competitive premiums and is therefore one insurance married drivers should consider for their car insurance needs. If you’re a married couple looking for insurance, you’ll see that married drivers tend to get lower premiums than single drivers because the former are less likely to be involved in accidents.

State Farm strives for affordability – but not at the expense of offering thorough coverage. So, married drivers can get affordable, comprehensive protection that meets their driving needs. Whether you’re want liability coverage or comprehensive coverage, State more likely than not offers coverage that will tick all the boxes for you and your spouse.

State Farm also rewards good drivers with tasty discounts. If you and your partner maintain a good driving record, your premiums could drop even further. State Farm’s decision to reward good drivers with lower rates makes it a good option for married drivers.

State Farm prioritizes customer service. Married couples who are merging car insurance policies for the first time can benefit by working with one of the insurer’s agents.

State Farm honors customer loyalty with big renewal discounts. If you stick with the insurance business for at least three straight years, you can get an average renewal reduction of 14%. State Farm’s commitment to rewarding loyal policyholders makes it a good choice for married drivers.

Benefits & Drawbacks

Benefits
  • Offers vary competitive rates
  • Provides generous renewal discounts for loyal policyholders
  • Offers customers discounts to reduce premiums
Drawbacks
  • High premiums for high-risk drivers
  • Website and app receive complaints
  • Doesn’t provide gap coverage

Best For Minimum Coverage

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

If you want minimum car insurance, you’ll want to find an insurance company offering low premiums and great customer service. GEICO happens to offer both.

GEICO is known for offering low rates for auto insurance coverage. It’s also highly regarded for its customer-centric agents who are available to help people get the right coverage for them. The insurance company’s website and app are user-friendly.

The insurer is a great choice because of its low pricing and maintenance management. If you want minimum car insurance coverage and live in Louisiana, GEICO is a strong contender.

Benefits & Drawbacks

Benefits
  • Interactive and easy-to-use website and mobile app
  • Offers affordable policies for most driver categorization
  • Many discounts available to lower monthly premiums further
  • Ranks among the best for customer experience and customer service
Drawbacks
  • Few options for rideshare motorists
  • Few local agents for in-person meetings

Info On The Category And How It Impacts Motorists

Comprehensive auto insurance policies provide the most protection if you’re a driver in Louisiana. Even so, you can legally drive in the state even if you only have minimum coverage. Minimum coverage is generally more cost-effective if you want the lowest monthly premiums.

While full comprehensive policies afford more protection than minimum policies, there are cases where the former may be a better option than the latter. If you don’t drive all that much, for instance, it might make more sense to get minimum coverage. Drivers who drive a few times a year face fewer risks than those who drive regularly, so you might wish to save with a minimum policy. If you’re a student going to school out of town, you might want to get minimum coverage on the car you leave at home.


Best For Senior Drivers

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

GEICO has a reputation for providing top-level customer service. A lot of older drivers prefer working with insurance companies that offer personalized customer service. They might want to pick up the phone, dial the insurer, speak to an agent, and get answers to their questions. These consumers might not want to go to a website or use an app to get what they want. An insurance company like GEICO offers agents who are dedicated to helping customers and would-be customers.

While it has agents who are available to help, its website and mobile app are also available. Many people like the option of finding what they want, and GEICO’s user-friendly website and app make that possible.

Benefits & Drawbacks

Benefits
  • Strong track record of great customer service
  • Easy-to-use app and website so people can update their account
  • Low monthly premiums and discounts to reduce costs even more
Drawbacks
  • Few options for extra coverage like rideshare insurance
  • Few local agents available for one-on-one consultations

Info On The Category And How It Impacts Motorists

Drivers gain more experience as they get older. This progression is viewed as good news for insurers since the longer someone drives, the more information can be fed into their driver profile. And insurance companies use these profiles to determine auto insurance coverage premiums. Insurance companies make the assumption that drivers will drive less as they get older. One reason is that people who retire won’t have to commute to and from work.

As you get older and maintain a good driving record, your monthly premiums will decline. GEICO and Progressive are two great choices if you want good premiums as an older drive in Louisiana.

Cheapest Rates For Senior Drivers In Louisiana

Company Average Rate Annually
GEICO $1,302
Progressive $1,364
State Farm $1,478
Travelers $1,582
Mercury $1,621

Average Cost Of Car Insurance In Louisiana

Insurer Average Monthly Quote
GEICO $117
Plymouth Rock $194
State Farm $216
Travelers $218
Nationwide $251

Average Cost In Louisiana – By Gender

Gender Average Monthly Premium
Male $319
Female $312

Average Cost In Louisiana – By Age

Age Group Average Monthly Rate
Teenagers $587
Under 25 $371
25-29 $284
30s $272
40s $262
50s $233
60s $199
70s $185
80s $180

Average Cost In Louisiana – Marital Status

Marital Status Average Monthly Cost
Married $276
Single $320

Average Cost In Louisiana – By Zip Code

Zip Code Average Monthly Cost
08732 $208
08754 $208
08756 $210
08735 $209
08755 $210
08751 $210
08753 $212
07047 $324
07094 $327
07087 $324

Average Cost In Louisiana – By Credit Tier

Credit Tier Average Monthly Cost
Excellent $241
Good $286
Fair $311
Poor $489

Average Cost In Louisiana – By Accident And Violation History

Violation/Incident Type Average Monthly Rate
Speeding Ticket $427
DUI/DWI $629
At-Fault Accident $448
Clean Record $316

 

Minimum Car Insurance Requirements In Louisiana

You must have car insurance coverage to drive a car in Louisiana.

Car insurance requirements in Louisiana follow:

  • $15,000 in personal injury protection per individual
  • $25,000 in bodily injury liability per individual and $50,000 per incident
  • Uninsured and underinsured coverage equal to the minimum bodily injury liability coverage
  • $25,000 in property damage liability per accident

How To Buy Car Insurance In Louisiana

Few people enjoy the process of getting auto insurance, but the process can be more stressful if it’s your first time doing so. InsuranceWise is an online platform that can actually simplify things so you get the coverage you need to legally drive a vehicle in Louisiana.

Follow these steps to get the car insurance you need to drive legally in the state:

Step 1: Get Your Documents Assembled

A lack of preparedness will make the process of getting car insurance harder than it needs to be. So, ensure you have the information you’ll need to complete the process without issues. Few things will make things more stressful or irritating than having to look for the information you need while the process is in progress.

You’ll need the following information when applying for car insurance coverage:

  • Driver’s license information for all drivers on the plan
  • Vehicle information like vehicle information number, odometer reading,, year of the vehicle, make, and model, yearly mileage, and safety features
  • Name and birthdate of all policy members
  • Driving history for all drivers on the plan
  • Details on the current insurance provider, if you’re switching carriers

Step 2: Know Your Policy Requirements

You’ll want to weigh your options to get a policy with the coverage you need. Finding a policy that meets the needs of you and any loved ones on the policy is paramount. And a good insurer will also ensure you get a policy that meets the requirements to legally drive in Louisiana. The minimum state limits in the state are as follows:

  • $25,000 in property damage liability per accident
  • $15,000 in personal injury protection per individual
  • Uninsured and underinsured policy equal to the minimum bodily injury liability coverage
  • $25,000 in bodily injury liability per individual and $50,000 per mishap

Step 3: Choose A Buying Method

You can purchase car insurance in Louisiana in various ways. You can, for instance, buy insurance online. And another option is to contact an insurer and speak to an agent on the phone or in an office.

Neither option is better than the other. It’s about which one works best for you. If you do it online, you can research, find quotes, and sign up from the comfort of your own home. It’s a great option if you’d rather get the process done without having to meet with an agent. But the other option, working with an agent, is great if you have lots of questions. Speaking to a professional can help you get the right car insurance coverage.

Step 4: Compare Car Insurance Coverage

Don’t ever approve the very first quote you receive. You won’t be able to make an informed decision unless you get multiple quotes from different insurance companies. Aim for at least three quotes so that you can compare them and choose the right coverage for you.

Step 5: Buy Your New Auto Insurance Coverage

If you already have car insurance, you’ll want to cancel it before you buy a new policy from another insurance company. Failing to do so might mean getting billed twice – by two insurance businesses. That’s why you need to contact your current insurer to end that policy.

Things That Impact Cost Of Your Car Insurance Coverage In Louisiana

If you’re like most drivers in Louisiana, you can expect to pay monthly premiums of around $314. That said, various factors will impact your premiums. One of them is where you live in Louisiana. Your location in the state will impact whether you pay more than average, lower than average, or the average monthly premium.

Many insurers will analyze details about different cities or zip codes to figure out the probability of accidents or vandalism in different areas. You’ll pay more if you’re in a high-risk region.

Other factors that can play into how much you pay for monthly coverage premiums include:

  • State mandated requirements
  • Driving record
  • Credit history
  • Marital status
  • Gender
  • Average annual mileage
  • Age
  • Type of vehicle

Louisiana Vehicle Insurance Laws To Know About

Louisiana law requires that drivers in the state be able to provide proof of the following coverages:

  • Personal injury protection (PIP) to foot the bill for medical expenses resulting from an automobile accident regardless of who caused it
  • Uninsured drivers coverage to safeguard yourself against other motorists who lack the appropriate insurance to cover your costs if they are considered at-fault
  • Liability insurance to pay for damages you cause from an at-fault accident

In The News

  • If you live in Louisiana, good credit trumps safe driving for the best auto insurance coverage costs. If you’re a driver in the state with bad credit and a clean driving record, you’re more like to pay more than if you have great credit and a DWI.

Car Insurance Discounts In Louisiana

Louisiana is one of the country’s most expensive states to secure car insurance coverage. That’s one reason you need to be picky when choosing a car insurance provider. Possible discounts you might have access to, depending on the insurer, include the following:

  • Student away
  • Multi-vehicle
  • Military
  • Good student
  • Paid in full
  • Defensive driving
  • Senior
  • Accident-free
  • Multi-policy
  • Low mileage
  • Safe driver

FAQs

How much is car insurance in Louisiana per month?

Various things factor into what you’ll pay for car insurance. Driver’s history, age, mileage, vehicle type, credit, and location can all impact the monthly premium. But most drivers in Louisiana will pay monthly premiums of around $254 for a minimum coverage policy and $314 monthly for comprehensive coverage policy.

What is the minimum car insurance required in Louisiana?

Louisiana requires motorists to get the following kinds of coverage to operate vehicles legally in the state. What follows is a look at the types of coverage needed:

  • $25,000 in property damage liability per accident
  • $25,000 in bodily injury liability per individual and $50,000 per mishap
  • Uninsured and underinsured coverage equal to the minimum bodily injury liability coverage
  • $15,000 in personal injury protection per person

What type of insurance does every driver need in Louisiana?

Drivers require the following types of coverages to legally drive a vehicle on the state’s roads and highways:

  • Property damage liability insurance
  • Uninsured/Underinsured coverage
  • Personal injury protection (PIP)
  • Bodily injury liability insurance

How much liability insurance do I need on my car in Louisiana?

You’ll need vehicle insurance coverage that includes a minimum of $25,000 in bodily injury liability per person and $50,000 in bodily injury liability per accident to drive a car in Louisiana. You also need a minimum of $25,000 in property damage liability coverage per accident.

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