The average annual cost for a full coverage auto insurance policy in Louisiana is $2,531, making it one of the most expensive states in the U.S. for car insurance..
Exactly how much you pay depends on where in Louisiana you live. In New Orleans, drivers pay an average of $3,940 a year for a full coverage policy, while in Springhill, the average rate for a policy is $1,930.
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, ZIP code, and vehicle 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 | $1,642 | 882 |
Farm Bureau | $2,102 | -- |
Safeway Insurance | $2,450 | -- |
Progressive | $2,622 | 861 |
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 | $5,170 |
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 |
60 | USAA | $1,355 |
65 | USAA | $1,512 |
70 | USAA | $1,512 |
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 when picking an insurance company:
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
Claims and customer service: Don’t just compare cost, you should also check customer reviews and claims satisfaction ratings before you buy a policy to avoid potential headaches down the road
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, at-fault accidents and other serious violations like a DUI can all increase your rates by hundreds and sometimes thousands of dollars a year.
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 | $2,586 |
Farm Bureau | $3,465 |
GEICO | $4,019 |
Progressive | $4,745 |
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: $3,940
Baton Rouge: $3,082
Shreveport: $2,284
Metairie: $3,109
Lafayette: $2,691
Lake Charles: $2,654
Bossier City: $2,112
Kenner: $3,184
Monroe: $2,607
Alexandria: $2,761
Buying car insurance in Louisiana
Louisiana requires car insurance for all registered vehicles. According to Louisiana state law, 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 often: Shop around for car insurance every six months to a year to make sure you’re still getting the lowest rates
Find car insurance in your city:
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.
