The best car insurance in Louisiana

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published November 15, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and how we make money.

The average annual cost for a full coverage auto insurance policy in Louisiana is $2,906, making it one of the most expensive states in the U.S. for car insurance. Exactly much you pay depends on where in Louisiana you live. In Meraux, drivers pay an average of $4,063 a year for a full coverage policy, while in Springhill, the average rate for a policy is $2,272.

Ready to shop car insurance?

Start calculator

Despite the high costs, Louisiana drivers can still find affordable coverage by shopping around and comparing rates from multiple companies. Policygenius can show you options from top companies so you can compare quotes and choose the policy (and price) that’s right for you.

Key Takeaways

  • USAA is the cheapest car insurance company in Louisiana at an average of $1,486 for a full coverage policy

  • USAA is also the cheapest car insurance company for 16-year-olds in Louisiana

  • Louisiana requires at least $15,000 per person/$30,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage

Cheapest car insurance companies in Louisiana

Insurance companies consider your age, driving record, city where you live, and the car you drive when calculating your rate. They all use the same type of information, but each company will come up with a different rate, even for the same coverage. That’s why it’s so important to shop around and compare quotes before you buy.

Company

Average cost

JD Power Rating

USAA

$1,486

890

State Farm

$1,763

881

Louisiana Farm Bureau

$1,987

--

Safeway Insurance

$2,526

--

Metlife

$3,072

--

Cheapest car insurance companies by age in Louisiana

Age is a major factor in determining how much you’ll pay for car insurance. Younger drivers pay higher rates, because their inexperience behind the wheel means they’re more likely to have an accident and file a claim.

Age

Cheapest company

Average cost

16

USAA

$5,326

18

USAA

$3,086

21

USAA

$2,221

25

USAA

$1,744

30

USAA

$1,559

35

USAA

$1,492

45

USAA

$1,406

55

USAA

$1,347

Choosing the right car insurance company in Louisiana

Choosing a car insurance company can seem complicated, but it’s as simple as figuring out what’s most important to you and comparing options. Here are a few key factors that you should consider:

  • Cost: Look at the bottom line to see what each company is charging, and compare rates to make sure you’re getting a good deal

  • Coverage: The more coverage you get the better protected you’ll be, so set your limits as high as you can reasonably afford

  • Service: Don’t just compare cost, you should also check customer reviews and claims satisfaction ratings before you buy a policy

Policygenius makes it easy to compare quotes from top companies, so you can be sure you’re choosing the best option for your needs.

Car insurance rates for drivers with driving violations in Louisiana

Driving violations can have a big impact on what you pay for car insurance. Speeding tickets, accidents and serious violations like a DUI can all increase your rates by hundreds and sometimes thousands of dollars a year.

Violation

USAA

State Farm

Louisiana Farm Bureau

Louisiana Farm Bureau

Safeway Insurance

At-fault Accident

$2,256

$2,044

$2,495

$2,300

$3,278

DUI

$2,454

$1,913

$2,568

$2,134

$3,500

Driving with a suspended license

$2,329

$1,913

$2,223

$2,134

$3,500

Driving with an open container

$2,069

$1,913

$2,568

$2,134

$2,836

Driving with expired registration

$1,987

$1,913

$2,223

$2,134

$2,725

Driving without Lights

$1,987

$1,913

$2,223

$2,134

$2,725

Failure to show documents

$1,987

$1,913

$2,223

$2,134

$2,725

Failure to stop at a red light

$1,987

$1,913

$2,223

$2,134

$2,725

Cheapest car insurance for drivers with bad credit in Louisiana

Bad credit is bad news when it comes to car insurance rates. Insurance companies charge more for drivers with bad credit, so if you know your poor credit is going to lead to higher rates, make sure to shop around and compare quotes to find the cheapest coverage.

Company

Rates for drivers with bad credit

USAA

$2,482

Safeway Insurance

$2,667

Louisiana Farm Bureau

$3,530

SafeAuto

$5,574

Progressive

$6,833

Car insurance costs in Louisiana cities

City drivers generally pay more for car insurance, because more people on the road means more accidents and claims. Crime rates, especially rates of car theft and vandalism, as well as repair costs in a given area also go into calculating car insurance costs. 

Here are the average annual car insurance rates in the 10 largest cities in Louisiana by population:

  • New Orleans: $4,508

  • Baton Rouge: $3,490

  • Shreveport: $2,654

  • Metairie: $3,526

  • Lafayette: $3,010

  • Lake Charles: $3,033

  • Bossier City: $2,442

  • Kenner: $3,607

  • Monroe: $2,971

  • Alexandria: $3,107

Ready to shop car insurance?

Start calculator

Buying car insurance in Louisiana

Louisiana requires car insurance for all registered vehicles. Drivers in Louisiana must have at least the following amount of coverage:

  • Bodily injury liability coverage per person: $15,000

  • Bodily injury liability coverage per accident: $30,000

  • Property damage liability coverage: $25,000

Louisiana drivers must carry proof of valid car insurance in their cars at all times. If you are unable to show proof of that insurance, then you could be subject to fines, license suspension — even the revocation of your vehicle registration.

Louisiana is an at-fault state when it comes to car insurance. That means that the insurance company of the driver found responsible for an accident must pay for the other party’s medical bills and repair costs. That’s why it’s a good idea to have well over the minimum amount of liability insurance required by law.

How to get cheap car insurance in Louisiana

There are many ways to get cheap car insurance in Louisiana, including:

  • Drive safely: Avoid accidents and driving violations to save on your car insurance rates

  • Compare quotes: Compare rates when you shop to get the cheapest car insurance.

  • Bundle policies: Get your auto, home, motorcycle and boat insurance from the same company and save big

  • Know your discounts: Find out what discount opportunities you qualify for — most car insurance companies offer discounts for going paperless, paying your annual premium up front, taking a defensive driving course and doing well in school

  • Reshop yearly: Shop around for car insurance every year or so to make sure you’re still getting the lowest rates

Frequently asked questions

Who has the cheapest car insurance rates in Louisiana?

USAA and State Farm are the two cheapest insurance companies in Louisiana, but rates vary from driver to driver, so you should shop around to make sure you’re getting your best rates.

How can I save on my car insurance in Louisiana?

You can save on your car insurance by avoiding accidents and driving violations and maintaining a healthy credit score. You should also shop around and compare quotes before you buy, and reshop yearly to make sure you’re still getting the best rates.

Is Louisiana a no-fault state?

No, Louisiana is an at-fault state. The car insurance company of whichever driver is found to be at-fault for an accident is responsible for the other party’s related expenses.

Does Louisiana require car insurance?

Yes, Louisiana requires at least $15,000 per person/$30,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.