Cheapest Car Insurance In Louisiana For 2026
Southern Farm Bureau offers the cheapest car insurance in Louisiana, with average annual rates of $912 for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
Southern Farm Bureau and State Farm currently offer the cheapest car insurance in Louisiana, with minimum coverage averaging between $74 and $95 per month, depending on your driving record and parish. Louisiana consistently ranks among the most expensive states for auto insurance nationally, largely due to high litigation rates and severe weather risk.
Rates vary significantly across the state — drivers in New Orleans and Baton Rouge typically pay more than those in smaller cities like Shreveport or Lafayette. Shopping and comparing multiple carriers is the most reliable way to find the lowest rate for your specific situation.
Key Takeaways
Southern Farm Bureau & Direct Auto provide the cheapest car insurance policies in Louisiana, on average.
The average cost of car insurance in Louisiana ranges between $173-$236 per month.
Discounts are a good way to reduce your car insurance premium.
What’s Changed In 2026?
- Major auto insurers in Louisiana are currently filing for rare rate decreases due to fewer accident claims.
- New state tort reforms prevent drivers who are mostly at fault from recovering any crash damages.
- Louisiana laws now prohibit companies from raising your premium based solely on a first-time coverage lapse.
- Penalties for uninsured motorists have expanded, blocking them from recovering the first $100,000 in accident damages.
Cheapest Car Insurance Companies In Louisiana
Cheapest Car Insurance In Louisiana For Minimum Coverage – Southern Farm Bureau
Minimum coverage in car insurance represents the most fundamental level of protection, aligning with the legal mandates set by the state of Louisiana.
Southern Farm Bureau offers the cheapest minimum coverage car insurance in Louisiana, with average monthly premiums of $76.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $77 | $924 |
| Geico | $80 | $960 |
| Progressive | $83 | $996 |
| Southern Farm Bureau | $76 | $912 |
| USAA | $78 | $936 |
Cheapest Car Insurance In Louisiana For Full Coverage – Southern Farm Bureau
Full coverage car insurance encompasses a more extensive range of protection compared to minimum coverage, making it a comprehensive choice for many drivers. This type of policy typically integrates both comprehensive and collision insurance, creating a robust safety net.
Southern Farm Bureau has the cheapest full coverage car insurance in Louisiana. You can get coverage for around $251 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $281 | $3,372 |
| GEICO | $267 | $3,204 |
| Progressive | $274 | $3,288 |
| Southern Farm Bureau | $251 | $3,012 |
| State Farm | $258 | $3,096 |
Cheapest Car Insurance In Louisiana For Drivers With Poor Credit – Safeway
Credit score plays a pivotal role in the calculation of car insurance rates, serving as a key indicator for insurers in assessing the risk profile of a driver. The underlying premise is that individuals with lower credit scores are statistically more likely to file insurance claims.
If you have poor credit, you can find the cheapest car insurance with Safeway. Premiums are around $135 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm Bureau Insurance | $139 | $1,668 |
| GEICO | $145 | $1,740 |
| Progressive | $151 | $1,812 |
| Safeway Insurance | $135 | $1,620 |
| State Farm | $148 | $1,776 |
Cheapest Car Insurance In Louisiana For Seniors – Louisiana Farm Bureau
Car insurance for seniors in Louisiana can be found at an affordable rate of $214 per month with Louisiana Farm Bureau.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $249 | $2,988 |
| Louisiana Farm Bureau | $214 | $2,568 |
| Progressive | $237 | $2,844 |
| Southern Farm Bureau | $218 | $2,616 |
| State Farm | $325 | $3,900 |
Seniors in Louisiana have the potential to secure competitive rates for their car insurance, thanks to the various factors that work in their favor. Age can indeed be a significant factor in determining insurance premiums, with the assumption being that as drivers age, their reflexes and driving abilities might decline. However, this is not a hard and fast rule, and many seniors maintain excellent driving records well into their later years.
Cheapest Car Insurance In Louisiana For Teenagers – Farm Bureau
Teenage car insurance rates in Louisiana are typically the highest out of any age group, this is because teenagers have a high rate of accidents, which translates into high premiums
Farm Bureau has the cheapest rates for teens, with an average monthly premium of $195.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $204 | $2,448 |
| Farm Bureau Insurance | $195 | $2,340 |
| Progressive | $209 | $2,508 |
| Southern Farm Bureau | $198 | $2,376 |
| State Farm | $205 | $2,460 |
Cheapest Car Insurance In Louisiana For Good Drivers – Southern Farm Bureau
Good drivers, characterized by their clean driving records, are typically rewarded with lower car insurance rates. Insurance companies assess risk based on a driver’s history, and those without any violations or accidents naturally fall into the low-risk category.
Southern Farm Bureau provides the cheapest auto insurance policy in Louisiana for drivers with a clean record, at an average annual rate of $1,116.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $101 | $1,212 |
| Farm Bureau Insurance | $96 | $1,152 |
| Progressive | $99 | $1,188 |
| Southern Farm Bureau | $93 | $1,116 |
| State Farm | $98 | $1,176 |
Cheapest Car Insurance In Louisiana For Drivers With A Speeding Ticket – Southern Farm Bureau
Southern Farm Bureau has average premiums of $154, making it the cheapest option for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $171 | $2,052 |
| Farm Bureau Insurance | $156 | $1,872 |
| Progressive | $166 | $1,992 |
| Safeway Insurance | $161 | $1,932 |
| Southern Farm Bureau | $154 | $1,848 |
Cheapest Car Insurance In Louisiana For Drivers With An At-Fault Accident – Farm Bureau
Farm Bureau has average premiums of $166, making it the cheapest option for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $171 | $2,052 |
| Farm Bureau Insurance | $166 | $1,992 |
| Progressive | $175 | $2,100 |
| Southern Farm Bureau | $169 | $2,028 |
| State Farm | $177 | $2,124 |
Cheapest Car Insurance In Louisiana For Drivers After A DUI – Southern Farm Bureau
Southern Farm Bureau has average premiums of $143, making it the cheapest option for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $316 | $3,792 |
| GEICO | $298 | $3,576 |
| Progressive | $377 | $4,524 |
| Southern Farm Bureau | $143 | $1,716 |
| State Farm | $192 | $2,304 |
Average Cost Of Car Insurance In Louisiana – By Age
An 18-year-old driver in Louisiana can expect to pay around $4,848 per year for their insurance, while a 35-year-old driver will only pay around $2,712.
Your age plays a significant role in determining your car insurance rate. Young drivers typically pay the highest premiums, with rates dropping as you get older.
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $457 | $5,484 |
| 17 | $431 | $5,172 |
| 18 | $404 | $4,848 |
| 19 | $378 | $4,536 |
| 21 | $326 | $3,912 |
| 25 | $273 | $3,276 |
| 35 | $226 | $2,712 |
| 45 | $215 | $2,580 |
| 55 | $210 | $2,520 |
| 65 | $221 | $2,652 |
| 75 | $257 | $3,084 |
Average Cost Of Car Insurance In Louisiana – By City
Drivers in Baton Rouge typically pay around $1,992 per year, while drivers in Ruston may find rates around $1,740.
The city that your home is in greatly affects your car insurance premiums. Cities usually have higher risks of theft and accidents.
| City | Average Monthly Rate | Average Annual Cost |
| Alexandria | $149 | $1,788 |
| Baton Rouge | $166 | $1,992 |
| Lafayette | $156 | $1,872 |
| New Orleans | $173 | $2,076 |
| Ruston | $145 | $1,740 |
Minimum Car Insurance Requirements In Louisiana
Louisiana drivers must have minimum car insurance with liability coverage set at 15/30/25. The minimum amount of coverage required by law is as follows:
- $15,000 for bodily injury per person
- $30,000 in bodily injury per accident
- $25,000 for property damage per accident.
Car Insurance Discounts In Louisiana
While searching for car insurance, it’s wise to explore providers that present the most beneficial discounts tailored to your circumstances. Additionally, consulting with your insurance agent can reveal potential discounts that you might not be currently utilizing.
Below is further insight into the common types of discounts provided by top car insurance companies:
- Multi-policy: Bundle two or more insurance policies with the same company.
- Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies earns you this discount.
- Military: This generally applies to both veterans and active-duty military members.
- Senior: This often applies to policyholders who are 55 or older.
- Homeowners: If you own a home, you may qualify for this discount.
- Good student: This discount is usually for college and high school students under 25 who maintain a B average in their courses.
- Good driver: You can save money by maintaining a clean driving record (with no at-fault accidents, DUI, or traffic tickets in the last three years).
- Defensive driving: Those who take a qualifying defensive driving course get a discount.
- Driver training: Get a discount by taking a driver education training course.
- New car: Drivers who purchase new cars, typically no more than three model years old, get a discount.
- Safe car: This applies if your vehicle has safety features like anti-theft technology.
- Paperless: Receive a discount by opting to receive your documents through email.
- Pay-in-full: Save on your car insurance premium by paying in full up front.
Compare Rates To Other U.S. States
| State | Average Annual Premium |
| Alabama | $1,846 |
| Alaska | $1,386 |
| Arizona | $1,954 |
| Arkansas | $1,962 |
| California | $2,580 |
| Colorado | $2,172 |
| Connecticut | $1,984 |
| Delaware | $2,217 |
| Florida | $2,670 |
| Georgia | $2,056 |
| Hawaii | $1,415 |
| Idaho | $1,397 |
| Illinois | $1,782 |
| Indiana | $1,547 |
| Iowa | $1,588 |
| Kansas | $1,867 |
| Kentucky | $2,205 |
| Louisiana | $3,171 |
| Maine | $1,469 |
| Maryland | $2,025 |
| Massachusetts | $1,527 |
| Michigan | $2,335 |
| Minnesota | $1,760 |
| Mississippi | $2,011 |
| Missouri | $2,011 |
| Montana | $2,071 |
| Nebraska | $1,721 |
| Nevada | $2,353 |
| New Hampshire | $1,408 |
| New Jersey | $2,007 |
| New Mexico | $1,817 |
| New York | $2,098 |
| North Carolina | $1,502 |
| North Dakota | $1,734 |
| Ohio | $1,530 |
| Oklahoma | $2,129 |
| Oregon | $1,773 |
| Pennsylvania | $1,960 |
| Rhode Island | $2,255 |
| South Carolina | $2,007 |
| South Dakota | $2,474 |
| Tennessee | $1,692 |
| Texas | $1,990 |
| Utah | $1,864 |
| Vermont | $1,299 |
| Virginia | $1,631 |
| Washington | $1,819 |
| West Virginia | $1,853 |
| Wisconsin | $1,609 |
| Wyoming | $1,778 |
FAQs
How much is car insurance a month in Louisiana?
The monthly cost of car insurance in Louisiana varies widely but typically ranges from $173 to $236. Factors influencing the price include your driving record, type of coverage, and the make and model of your vehicle.
Which car insurance is better in Louisiana?
The “best” insurance in Louisiana depends on individual needs. Southern Farm Bureau & Direct Auto are both popular for their affordability and customer service,
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Louisiana.
This is an informed perspective, honed by over 15 years of personal involvement in the industry as a licensed casualty insurance agent in Louisiana, countless interactions with representatives from various companies, and insights gleaned from firsthand experience buying car insurance in Louisiana.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.
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