Cheapest Liability Car Insurance In Louisiana 2026
Southern Farm Bureau typically provides the most budget-friendly liability insurance in the state. You can expect to pay roughly $66 a month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the cheapest liability car insurance in Louisiana depends on your driving history, age, and coverage needs. For most drivers who want a simple, state-minimum policy, Southern Farm Bureau tends to offer the lowest rates. Active duty service members and veterans usually see better liability prices with USAA.
Drivers with a recent accident often get more affordable quotes from Southern Farm Bureau. The same insurer is commonly the least expensive option for teen drivers and young adults in Louisiana. Older drivers, on the other hand, may find lower liability costs with USAA. For motorists with a DUI on their record, Southern Farm Bureau generally has the most competitive liability premiums in the state.
Key Takeaways
Southern Farm Bureau offers the most affordable liability rates in Louisiana at roughly $66 monthly.
Louisiana’s minimum liability insurance requirement is commonly written as 15/30/25.
Liability-only coverage pays for injuries and property damage you cause to others, but it does not cover repairs to your own car.
Cheapest Liability-Only Car Insurance In Louisiana, 2026
Cheapest Liability Car Insurance In Louisiana: Southern Farm Bureau
Southern Farm Bureau is often the lowest-priced option for basic liability car insurance in Louisiana, with average monthly rates close to $66.
Insurance costs can rise in high-traffic Louisiana cities, so keeping premiums low matters. Opting for an affordable liability-only policy allows drivers to meet state insurance laws while protecting their budget.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $78 | $936 |
| Southern Farm Bureau | $66 | $792 |
| Progressive | $85 | $1,020 |
| State Farm | $98 | $1,176 |
| USAA* | $72 | $864 |
*Military Only
Cheapest Liability-Only Car Insurance In Louisiana For Teens: Southern Farm Bureau
Teen drivers in Louisiana often find the most affordable liability car insurance with Southern Farm Bureau, where average monthly premiums are close to $182.
Keeping insurance costs low is especially important for teens since they usually pay more than other drivers. Because young motorists are viewed as higher risk, their premiums tend to be higher, which can place added pressure on household finances.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $191 | $2,292 |
| USAA* | $224 | $2,688 |
| Allstate | $248 | $2,976 |
| Southern Farm Bureau | $182 | $2,184 |
| Progressive | $206 | $2,472 |
*Military Only
Cheapest Liability-Only Car Insurance In Louisiana For Young Adults: Southern Farm Bureau
Southern Farm Bureau is often the most affordable choice for liability car insurance for young adults in Louisiana, with average monthly rates starting around $118.
Affordable coverage matters for drivers in this age group as they build financial independence. With expenses like rent, loans, and everyday bills, lower insurance rates help ease the strain. Choosing liability-only insurance meets Louisiana’s legal standards while avoiding the higher cost of full coverage.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| USAA* | $134 | $1,608 |
| Southern Farm Bureau | $118 | $1,416 |
| State Farm | $156 | $1,872 |
| GEICO | $128 | $1,536 |
| Progressive | $170 | $2,040 |
*Military Only
Cheapest Liability-Only Car Insurance In Louisiana For Seniors: USAA
Louisiana seniors can often find affordable liability coverage through USAA, with prices starting around $46 a month.
Keeping insurance costs low is a top goal for older residents who need to protect their retirement savings. Since many retirees live on a fixed income, finding a cheaper policy is a smart way to maintain financial stability.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $64 | $768 |
| GEICO | $55 | $660 |
| State Farm | $84 | $1,008 |
| USAA* | $46 | $552 |
| Progressive | $73 | $876 |
*Military Only
Find Affordable Car Insurance In Louisiana
Cheapest Liability Car Insurance In Louisiana For Military Members: USAA
USAA is usually the cheapest choice for liability car insurance for military members in Louisiana, with average monthly costs near $54.
Affordable insurance is especially important for military families because of their unique expenses and frequent relocations. Choosing liability-only coverage keeps drivers compliant with Louisiana law while helping households manage their monthly budgets more effectively.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $63 | $756 |
| Southern Farm Bureau | $66 | $792 |
| State Farm | $88 | $1,056 |
| USAA* | $54 | $648 |
| Direct Auto | $79 | $948 |
*Military Only
Cheapest Liability Car Insurance In Louisiana After An Accident: Southern Farm Bureau
Southern Farm Bureau typically offers the best liability car insurance rates for Louisiana drivers with an accident history, costing about $264 a month.
Finding affordable insurance is critical after a crash since premiums often spike. A lower rate helps you manage the financial impact of being found at fault.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| Safeway | $312 | $3,744 |
| Southern Farm Bureau | $264 | $3,168 |
| State Farm | $418 | $5,016 |
| Safe Auto | $392 | $4,704 |
| USAA* | $325 | $3,900 |
*Military Only
Cheapest Liability-Only Car Insurance In Louisiana After A DUI: Southern Farm Bureau
Drivers in Louisiana with a DUI often find some of the lowest liability insurance rates through Southern Farm Bureau, with average monthly premiums near $254.
After a DUI, keeping coverage affordable becomes critical because insurance costs usually increase sharply. Since insurers view these drivers as higher risk, comparing options and choosing a budget-friendly provider can help reduce the financial strain.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $385 | $4,620 |
| Safeway | $318 | $3,816 |
| Progressive | $336 | $4,032 |
| Southern Farm Bureau | $254 | $3,048 |
| Safe Auto | $368 | $4,416 |
How To Get Cheaper Liability-Only Insurance
You can cut the cost of liability-only car insurance in Louisiana by being smart about how you shop and manage your policy. Start by getting quotes from several insurers instead of sticking with the first option you find. Each company prices risk differently, so the same driver can see big price gaps between providers. An independent insurance agent can also help since they compare multiple companies at the same time and point you toward cheaper options.
Discounts can make a real difference in your monthly bill. Many insurers lower rates for drivers with a clean record, customers who bundle auto and home insurance, or people with strong credit. If you do not drive much, ask about low-mileage discounts. Driving fewer miles often means less risk, and insurers usually reward that.
Another way to lower premiums is by choosing a higher deductible. This means you would pay more out of pocket if you file a claim, but your monthly payments are usually cheaper. It is also important to review your coverage limits. Louisiana’s minimum liability requirements are the most affordable, but you should confirm they still provide enough protection based on your financial situation.
Keeping a clean driving history is one of the best long-term ways to save. Traffic tickets and accidents quickly push rates higher. If your premiums are still expensive, taking a defensive driving course may help. Many insurance companies offer discounts to drivers who complete approved safety programs. Using these steps together can help you find the cheapest liability car insurance in Louisiana while staying legally insured.
How Much Liability Coverage Does Louisiana Require?
To stay legal on Louisiana roads, state law requires every driver to carry a specific level of liability auto insurance. This coverage exists to pay for medical expenses and property repairs for other parties if you are responsible for a crash.
The state mandates a minimum coverage package known as 15/30/25. These figures represent the maximum amounts your insurer will pay out in different situations:
- $15,000 for bodily injury per person: This amount covers the medical costs for a single person you injure in an accident.
- $30,000 for bodily injury per accident: This is the total cap for injuries to all people involved in a single incident.
- $25,000 for property damage: This portion pays to repair the other driver’s car or any other property you might hit.
You are required to maintain these specific limits to drive legally in the state. However, you should be aware that a serious accident could easily exceed these minimum amounts. Because you would be personally responsible for any costs above these limits, many drivers choose to buy higher coverage to safeguard their personal assets.
Should You Get Liability-Only Insurance?
Deciding between full coverage and a basic liability plan depends on your budget and your vehicle. You need to know that liability insurance pays for damages to other drivers but never covers your own repairs. If you drive an older car that is paid off, buying comprehensive coverage could be a waste of money. This often happens when the yearly price is close to the actual value of the car.
Your daily commute in Louisiana is another factor. Drivers with a safe record might want to save cash by taking on more risk. However, heavy traffic raises the chance of an accident. You have to decide if a smaller monthly bill is worth paying for your own repairs later.
You should also check your emergency fund. If you cannot afford to replace your vehicle right away, full coverage gives you a safety net. But if your goal is to cut costs and you accept the risk, switching to liability-only is a smart move. The best choice balances your savings with your peace of mind.
Find Affordable Car Insurance In Louisiana
Cheapest Car Insurance In Different Cities In Louisiana
| City | Average Monthly Cost | Average Annual Cost |
| Alexandria | $142 | $1,704 |
| Baton Rouge | $158 | $1,896 |
| Lafayette | $149 | $1,788 |
| New Orleans | $165 | $1,980 |
| Ruston | $138 | $1,656 |
Compare The Cost Of Liability Car Insurance To Other States
The price you pay for liability-only coverage changes drastically depending on where you live. This wide range of pricing is caused by local laws, severe weather risks, and the number of claims in each area. For example, drivers in South Dakota often see the lowest monthly bills in the nation, sometimes averaging just $29. On the other hand, motorists in Michigan deal with some of the highest costs, with average payments around $154 per month.
The table below provides a full breakdown of average liability insurance prices for every state in the U.S.
| Alabama | $55 | $660 |
| Alaska | $64 | $768 |
| Arizona | $59 | $708 |
| Arkansas | $50 | $600 |
| California | $65 | $780 |
| Colorado | $73 | $876 |
| Connecticut | $79 | $948 |
| Delaware | $107 | $1,284 |
| Florida | $101 | $1,212 |
| Georgia | $80 | $960 |
| Hawaii | $45 | $540 |
| Idaho | $34 | $408 |
| Illinois | $48 | $576 |
| Indiana | $42 | $504 |
| Iowa | $37 | $444 |
| Kansas | $56 | $672 |
| Kentucky | $75 | $900 |
| Louisiana | $98 | $1,176 |
| Maine | $41 | $492 |
| Maryland | $83 | $996 |
| Massachusetts | $88 | $1,056 |
| Michigan | $154 | $1,848 |
| Minnesota | $78 | $936 |
| Mississippi | $52 | $624 |
| Missouri | $63 | $756 |
| Montana | $44 | $528 |
| Nebraska | $50 | $600 |
| Nevada | $114 | $1,368 |
| New Hampshire | $49 | $588 |
| New Jersey | $95 | $1,140 |
| New Mexico | $47 | $564 |
| New York | $92 | $1,104 |
| North Carolina | $39 | $468 |
| North Dakota | $46 | $552 |
| Ohio | $43 | $516 |
| Oklahoma | $60 | $720 |
| Oregon | $61 | $732 |
| Pennsylvania | $68 | $816 |
| Rhode Island | $101 | $1,212 |
| South Carolina | $72 | $864 |
| South Dakota | $29 | $348 |
| Tennessee | $55 | $660 |
| Texas | $69 | $828 |
| Utah | $65 | $780 |
| Vermont | $35 | $420 |
| Virginia | $52 | $624 |
| Washington | $66 | $792 |
| Washington D.C. | $77 | $924 |
| West Virginia | $58 | $696 |
| Wisconsin | $43 | $516 |
| Wyoming | $31 | $372 |
Our Methodology
To evaluate the car insurance companies and determine the cheapest liability-only coverage options in Louisiana, we employed a comprehensive methodology focused on several key factors. First, we analyzed premium rates provided by each insurer for different driver profiles, including military members, teens, young adults, seniors, and drivers with a history of accidents or DUIs. These profiles were carefully selected to represent a wide range of typical insurance needs, ensuring that our findings are applicable to a broad audience. We collected data from multiple sources, including other insurance review websites, consumer reports, and direct quotes from the insurers. By comparing rates across these varied profiles, we were able to identify the most affordable options for each category.
In addition to premium rates, our evaluation also considered factors such as customer service ratings, claims handling efficiency, and financial stability of the insurance companies. We believe that while affordability is important, the overall quality of service provided by the insurer is equally important. Companies that offer low rates but fail to deliver reliable customer service or timely claims processing may not be the best choice in the long run. Therefore, our methodology balances both cost and quality, ensuring that our recommendations are not only budget-friendly but also trustworthy and dependable for Louisiana drivers.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Why is car insurance in Louisiana so high?
Car insurance premiums in Louisiana are high due to factors like frequent severe weather, a high number of uninsured drivers, and increasing medical and repair costs.
How do I save on car insurance in Louisiana?
You can save on car insurance in Louisiana by comparing quotes from multiple providers, bundling policies, maintaining a clean driving record, and taking advantage of available discounts, such as those for safe driving or low mileage.
About Bob Phillips
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