Cheap Car Insurance in Louisiana (2024)
- Expertise: Auto insurance, home insurance and renters insurance
- Education: University of California-Berkeley (BA in History)
Rob Bhatt is a licensed insurance agent and joined the staff of Lending Tree in 2021. Previously, he spent more than 20 years writing for and editing regional publications in California, Nevada and Washington. Rob enjoys helping readers understand how different coverages work so they can make informed purchasing decisions, and he specializes in producing research-backed content for LendingTree about auto, home and renters insurance. His work has been cited by ABC, Business Insider, MSN and Yahoo.
Farm Bureau is the best company for cheap car insurance quotes in Louisiana. The company’s rates average $56 a month for liability insurance and $145 a month for full coverage.
Cheapest full-coverage car insurance in Louisiana: Farm Bureau
Farm Bureau has the cheapest full-coverage car insurance quotes in Louisiana. Its rates average $1,740 a year for a typical adult driver, or $145 a month. This is 36% cheaper than the state average of $2,719 a year.
USAA also offers cheap quotes. However, USAA is only available to current and former members of the military and their families.
You have to belong to the Louisiana Farm Bureau to get Farm Bureau insurance. Membership costs $45 a year and is open to any Louisiana resident.
Cheapest full-coverage car insurance companies
| Company | Annual rate |
|---|---|
| Farm Bureau | $1,740 |
| State Farm | $2,628 |
| Progressive | $2,711 |
| State average | $2,719 |
| Allstate | $2,915 |
| Safeway | $3,080 |
| Geico | $4,235 |
| USAA* | $1,723 |
Cheapest liability auto insurance in Louisiana: Farm Bureau
Farm Bureau is the cheapest car insurance company in Louisiana for liability insurance. Its rates average $666 a year, or $56 a month.
Cheapest liability car insurance
| Company | Annual rate |
|---|---|
| Farm Bureau | $666 |
| Progressive | $828 |
| State Farm | $893 |
| State average | $948 |
| Allstate | $966 |
| Geico | $1,239 |
| Safeway | $1,391 |
| USAA* | $651 |
Liability car insurance covers injuries and damage you cause to others in a car accident. Full coverage includes collision and comprehensive insurance, which covers your car for damage and theft.
Cheapest auto insurance for Louisiana teens: Farm Bureau
Farm Bureau has the cheapest auto insurance quotes in Louisiana for teen drivers. It charges 18-year-olds an average of $1,724 a year for liability insurance, or $144 a month. This is 43% less than the state average.
State Farm has the next-best rate for teen drivers, $3,115 a year, or $260 a month.
Cheap car insurance for Louisiana teens
| Company | Liability annual rate | Full-coverage annual rate |
|---|---|---|
| Farm Bureau | $1,724 | $3,328 |
| State average | $3,041 | $7,974 |
| State Farm | $3,115 | $7,550 |
| Geico | $3,239 | $10,286 |
| Allstate | $3,279 | $8,814 |
| Safeway | $3,742 | $7,623 |
| Progressive | $4,806 | $14,920 |
| USAA* | $1,383 | $3,296 |
Cheapest after a speeding ticket in Louisiana: Farm Bureau
Farm Bureau has the cheapest car insurance quotes in Louisiana for drivers with a speeding ticket. Its rates average $1,967 a year for full coverage, or $164 a month.
A speeding ticket increases the average cost of auto insurance in Louisiana by 23%.
Cheapest car insurance after a speeding ticket
| Company | Annual rate |
|---|---|
| Farm Bureau | $1,967 |
| State Farm | $2,805 |
| Safeway | $3,150 |
| State average | $3,344 |
| Progressive | $3,492 |
| Allstate | $3,778 |
| Geico | $6,021 |
| USAA* | $2,193 |
Cheapest after an accident in Louisiana: Farm Bureau
Farm Bureau has the cheapest car insurance quotes for Louisiana drivers with an at-fault accident. The company charges these drivers $2,215 a year for full coverage, of $185 a month.
In Louisiana, an at-fault accident increases auto insurance rates by an average of 41% to $3,844 a year.
Cheapest car insurance after an accident
| Company | Annual rate |
|---|---|
| Farm Bureau | $2,215 |
| State Farm | $3,007 |
| Safeway | $3,805 |
| State average | $3,844 |
| Progressive | $4,272 |
| Allstate | $4,439 |
| Geico | $6,678 |
| USAA* | $2,491 |
Cheapest for Louisiana drivers with a DUI: Farm Bureau
Farm Bureau has the cheapest car insurance for drivers with a DUI (driving under the influence) conviction in Louisiana. Its quotes average $2,291 a year for full coverage, or $191 a month.
The average cost of auto insurance for Louisiana drivers with a DUI is $5,348 a year. This is nearly double what you pay with a clean record.
Cheap car insurance after a DUI
| Company | Annual rate |
|---|---|
| Farm Bureau | $2,291 |
| Allstate | $3,778 |
| Progressive | $3,915 |
| Safeway | $4,066 |
| State average | $5,348 |
| Geico | $8,877 |
| State Farm | $11,821 |
| USAA* | $2,685 |
Cheapest for drivers with bad credit: Allstate
Allstate is the best source of cheap car insurance for drivers with bad credit in Louisiana. Its rates for these drivers average $2,915 a year for full coverage, or $243 a month.
Louisiana drivers with bad credit pay an average of $5,165 a year for car insurance. This is 90% higher than the amount you pay with good credit.
Cheap car insurance for drivers with bad credit
| Company | Annual rate |
|---|---|
| Allstate | $2,915 |
| Safeway | $3,080 |
| Farm Bureau | $3,101 |
| Progressive | $5,163 |
| State average | $5,165 |
| Geico | $6,373 |
| State Farm | $12,774 |
| USAA* | $2,751 |
Louisiana car insurance rates by city
In Louisiana cities, car insurance costs range from $2,185 in Ruston to $4,128 in New Orleans. The average price of car insurance in Baton Rouge is $3,322 a year, or $277 a month.
Car insurance rates by city
| City | Annual rate |
|---|---|
| Alexandria | $3,038 |
| Baton Rouge | $3,322 |
| Bayou Cane | $2,531 |
| Bossier City | $2,361 |
| Central | $3,101 |
| Chalmette | $3,840 |
| Hammond | $2,788 |
| Harvey | $3,781 |
| Houma | $2,530 |
| Kenner | $3,413 |
| Lafayette | $2,872 |
| Lake Charles | $2,960 |
| Laplace | $3,195 |
| Marrero | $3,740 |
| Metairie | $3,343 |
| Monroe | $2,794 |
| New Iberia | $2,696 |
| New Orleans | $4,128 |
| Prairieville | $3,070 |
| Ruston | $2,185 |
| Shreveport | $2,592 |
| Slidell | $2,883 |
| Sulphur | $2,538 |
| Terrytown | $3,796 |
| Zachary | $3,014 |
Louisiana car insurance laws
Louisiana’s car insurance law requires you to have liability insurance to register your vehicle.
If you cause an accident, you are financially responsible for injuries or damage you cause to others. The penalties for driving without insurance include a fine and possible suspension of your license or registration.
Louisiana’s minimum car insurance requirements
Louisiana’s minimum car insurance requirements include:
- Bodily injury liability: $15,000 per person/$30,000 per accident
- Property damage liability: $25,000
Bodily injury liability covers medical treatment for people you injure in a car accident. Property damage liability covers damage you cause to other people’s vehicles or property.
You can be held personally responsible for costs that exceed your liability limits. This is the main reason to choose higher liability limits than the state requires.
You can add optional coverages to your auto insurance for more protection. The most important ones to consider include:
- Collision: This covers damage your car sustains in a collision with an object or other vehicle.
- Comprehensive: Option covers your car for theft and damage from noncollision causes such as fire, flood and vandalism.
- Medical payments: This covers injuries to you and your passengers, regardless of fault.
- Uninsured/underinsured motorist: Covers injuries an uninsured or underinsured driver causes to you or your passengers. Coverage is also available for your vehicle.
How does SR-22 insurance work in Louisiana?
If you commit certain violations, you may have to get SR-22 insurance to reinstate your driving privileges. An SR-22 is a certificate your insurance company files for you with the Office of Motor Vehicles.
Driving without insurance, reckless driving and DUI are among the violations that can lead to an SR-22 requirement.
You should let insurance companies know about your SR-22 requirement when you contact them for quotes. Some companies don’t insure drivers who need to file an SR-22. Those that do usually add a small filing fee to your rate.
The actual price you pay for SR-22 insurance depends largely on the offense that led to the requirement. A DUI typically leads to a higher SR-22 insurance rate than driving without insurance does.
Frequently asked questions
The average cost of car insurance in Louisiana is $948 a year for minimum liability, or $79 a month. Full coverage costs an average of $2,719 a year, or $227 a month.
Farm Bureau generally has the cheapest car insurance in Louisiana. Although USAA is often cheaper than Farm Bureau, only the military community can get insurance from USAA.
No. Louisiana has traditional fault laws for car accidents. If you cause an accident, you are financially responsible for your victim’s injuries and property damage.
Louisiana’s “No Pay, No Play” law reduces the amount an uninsured driver can receive after a car accident. Even if another driver is completely at fault, an uninsured driver has to cover the first $15,000 of their own medical bills. An uninsured driver also has to pay their first $25,000 in car repairs. The at-fault driver is responsible for costs that go above these thresholds.