The cheapest car insurance in Louisiana costs $177 per month for a full coverage policy from Southern Farm Bureau. That’s a $63 savings from the average cost of insurance in the state, which is $240 a month.
“Drivers looking to get the cheapest insurance premiums in Louisiana should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Louisiana including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Among the companies analyzed by CarInsurance.com, Southern Farm Bureau stands out as the cheapest option for full coverage car insurance in Louisiana, with an insurance premium of $177 per month.
- Drivers in Louisiana with a clean record pay 36% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Louisiana is Sarepta, with an annual premium of $2,452 .
- Louisiana drivers can save up to 26% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Car insurance companies with cheap car insurance in Louisiana
Southern Farm Bureau offers the cheapest car insurance rates in Louisiana for a full coverage policy with an average premium of $177 per month or around $2,121 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Louisiana.
Cheapest car insurance rates in Louisiana per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Southern Farm Bureau | $177 |
| Geico | $249 |
| Farmers | $250 |
| Progressive | $255 |
| LA Farm Bureau | $260 |
| Safeway Insurance | $266 |
| Auto Club Enterprises (AAA) | $289 |
| State Farm | $297 |
| USAA* | $164 |
Note: USAA is only available to military community members and their families.
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Louisiana drivers who pay lower insurance premiums
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 10% less than single drivers.
- Louisiana drivers with clean records pay 36% less than drivers who have a DUI on their records.
- Louisiana drivers in their 20s pay 54% lower rates for insurance than a 16-year-old in Louisiana.
- Adding a teen to your policy will cost you 62% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 26% less on their insurance premiums.
- Drivers insured for three or more years can save up to 22% on their insurance costs.
Cheapest Louisiana companies for different coverage levels
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Southern Farm Bureau is the cheapest for a state minimum policy.
- Southern Farm Bureau has the cheapest rates for a liability-only policy (50/100/50).
- Southern Farm Bureau offers the cheapest car insurance for a full coverage policy (100/300/100) in Louisiana.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Louisiana
Louisiana requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $15,000/$30,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists Louisiana’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State Minimum Annual Rates |
|---|---|
| Southern Farm Bureau | $427 |
| Geico | $507 |
| Progressive | $596 |
| Auto Club Enterprises (AAA) | $797 |
| LA Farm Bureau | $800 |
| State Farm | $867 |
| Safeway Insurance | $918 |
| Farmers | $1,159 |
| USAA* | $566 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Louisiana
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Below, you’ll see average annual rates for major insurance providers in Louisiana, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Southern Farm Bureau | $916 |
| LA Farm Bureau | $1,148 |
| Geico | $1,164 |
| Safeway Insurance | $1,302 |
| Progressive | $1,309 |
| State Farm | $1,525 |
| Farmers | $1,526 |
| Auto Club Enterprises (AAA) | $1,752 |
| USAA* | $956 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in Louisiana for full coverage
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The table below lists major insurance providers in Louisiana based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full Coverage Annual Rates |
|---|---|
| Southern Farm Bureau | $2,121 |
| Geico | $2,983 |
| Farmers | $3,002 |
| Progressive | $3,065 |
| LA Farm Bureau | $3,122 |
| Safeway Insurance | $3,191 |
| Auto Club Enterprises (AAA) | $3,473 |
| State Farm | $3,570 |
| USAA* | $1,973 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest auto insurance in Louisiana by driving history
Your driving history impacts insurance premiums in Louisiana, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Louisiana, drivers with a history of such violations typically pay $1,690 more annually than drivers with clean records.
Cheap car insurance in Louisiana after a speeding ticket
If you’ve got a speeding ticket on your Louisiana driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $2,425 , State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Louisiana.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $2,270 | $2,425 | 7% | $155 |
| Progressive | $3,117 | $4,153 | 33% | $1,035 |
| Auto Club Enterprises (AAA) | $4,094 | $5,626 | 37% | $1,532 |
| Geico | $4,771 | $8,435 | 77% | $3,663 |
| USAA* | $1,733 | $2,203 | 27% | $470 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in Louisiana after a DUI conviction
State Farm offers the cheapest car insurance to Louisiana drivers with a DUI conviction at $2,425 per year and Progressive has the second-cheapest insurance premiums at $4,605 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 36% less than those with a history of DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $2,270 | $2,425 | 7% | $155 |
| Progressive | $3,117 | $4,605 | 48% | $1,487 |
| Auto Club Enterprises (AAA) | $4,094 | $5,842 | 43% | $1,748 |
| Geico | $4,771 | $9,492 | 99% | $4,721 |
| USAA* | $1,733 | $2,713 | 57% | $980 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Louisiana after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $2,580 a year.
On the other hand, Progressive offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $5,448 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $2,270 | $2,580 | 14% | $311 |
| Progressive | $3,117 | $5,448 | 75% | $2,330 |
| Auto Club Enterprises (AAA) | $4,094 | $6,285 | 54% | $2,191 |
| Geico | $4,771 | $8,920 | 87% | $4,148 |
| USAA* | $1,733 | $2,586 | 49% | $853 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
The city with the lowest auto insurance rates in Louisiana is Sarepta, at $2,452 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
The table below shows a list of cities in Louisiana with the most affordable car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Sarepta | $2,452 |
| Mansfield | $2,459 |
| Hornbeck | $2,468 |
| Ruston | $2,480 |
| Simsboro | $2,480 |
| Sibley | $2,482 |
| Florien | $2,483 |
| Cotton Valley | $2,487 |
| Minden | $2,488 |
| Plain Dealing | $2,489 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Louisiana?
By comparing car insurance quotes, you can save an average of 26% per year for a full coverage policy in Louisiana.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Louisiana: Save on premiums
Car insurance discounts in Louisiana can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Louisiana.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 3% | $102 |
| Anti-theft device | 1% | $58 |
| Daily commute | 4% | $175 |
| Days advanced purchase | 2% | $110 |
| Education | 3% | $101 |
| Electronic funds transfer | 2% | $60 |
| Homeowner | 4% | $180 |
| Lower annual mileage | 5% | $168 |
| Loyalty – years renewal with company | 9% | $325 |
| Marital status | 10% | $334 |
| Multi policy | 6% | $227 |
| Paperless/electornic documents | 1% | $34 |
| Payment type | 4% | $169 |
| Primary use | 7% | $250 |
| Profession | 12% | $432 |
| Safety devices | 3% | $111 |
| Telematics | 8% | $274 |
| Years insured | 21% | $1,620 |
| Years licensed | 23% | $1,784 |
Final thoughts on cheap car insurance in Louisiana
Our research shows that Southern Farm Bureau has the cheapest full coverage car insurance rates in Louisiana for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Louisiana, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Louisiana for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 15/30/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Louisiana