- The average cost of car insurance for a 65-year-old driver in Louisiana is $2,712 per year for a full coverage policy.
- According to CarInsurance.com’s research, a 70-year-old driver in Louisiana pays almost the same for full coverage as more for full coverage than a 65-year-old driver.
- Finding the cheapest car insurance for seniors over 70 becomes more important as rates increases significantly. For instance, a 75-year-old driver in Louisiana pays 3% more more a full coverage policy than a 65-year-old driver.
- Reviewing and comparing car insurance quotes every six months or at renewal can help you find the most affordable rates.
For drivers, car insurance rates start to increase around age 65, according to CarInsurance.com data. That’s not surprising. Older drivers have higher crash deaths than drivers between the ages of 35 and 54, according to the Centers for Disease Control and Prevention. CDC data also shows that 20 older adults are killed every day in car crashes.
But that doesn’t mean seniors can’t find good deals on car insurance. Our guide will help you find the cheapest rates for seniors in Louisiana and learn other ways to save on auto insurance premiums.
Cheapest car insurance companies for seniors in Louisiana
Find the cheapest full coverage car insurance rates in Louisiana for drivers of different ages below.
- Overall cheapest car insurance for seniors over 60: Southern Farm Bureau, $197 per month.
- Cheapest for seniors at age 65: Southern Farm Bureau, $197 per month.
- Cheapest for seniors at age 70: Southern Farm Bureau, $197 per month.
- Cheapest for seniors at age 75: Southern Farm Bureau, $197 per month.
Compare cheap car insurance quotes for senior drivers in Louisiana
Below are the cheapest Louisiana rates the major car insurance companies offer for three different coverage levels: The state minimum, liability-only coverage with limits of 50/100/50 and full coverage car insurance with liability limits of 100/300/100.
Select your age and type of coverage below to see the average annual and monthly rates.
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
State minimum car insurance refers to the least amount of coverage that a driver is legally required to have in a particular state. This typically includes liability insurance, which covers bodily injury and property damage to others if you are at fault in an accident. Each state sets its own minimum requirements for coverage limits.
Liability car insurance with limits of 50/100/50 means:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury per accident
- $50,000 per accident for property damage
A liability policy covers expenses for injuries and damages you cause to others in an accident, but not your own injuries or vehicle damage.
Full coverage insurance with limits of 100/300/100 includes higher liability limits:
- $100,000 per person for bodily injury
- $300,000 per accident for bodily injury to multiple people
- $100,000 per accident for property damage
It also typically includes:
- Collision coverage: Pays for damages to your car from a collision.
- Comprehensive coverage: Covers damages to your car from non-collision events (e.g., theft, fire, vandalism).
Full coverage ensures you are covered for a wide range of incidents, both for your liability to others and for your own vehicle’s damage.
Why do car insurance rates increase for senior drivers in Louisiana?
Car insurance tends to become more expensive for older drivers due to several factors. Statistics show that seniors, on average, tend to be involved in more accidents than younger drivers (excluding teens).
Although older drivers typically have many years of experience on the road, they often face age-related challenges such as hearing or vision loss, slower reflexes, medication side effects and other health issues that can complicate driving.
The CDC reports that drivers older than 70 have a higher rate of crash fatalities per 1,000 crashes than those aged 35-54. NHTSA statistics reveal that in 2020, senior drivers 65 and older were involved in 13% of fatal accidents, up by 26% since 2011.
In addition, older drivers are more likely to need medical treatment even after a minor accident, and steep hospital expenses contribute to an overall increase in insurance rates.
“Unfortunately, as we move past middle age, the odds of being more severely injured or dying in a car crash increase significantly,” says Carole Walker, executive director at Rocky Mountain Insurance Association.
“Statistically, older drivers have a higher risk of causing a crash, but an even bigger factor adding to higher car insurance bills are common health problems that make them more prone to being hurt and incurring medical bills – even in low-speed or less serious crashes,” she says.
According to an analysis by CarInsurance.com, rates start to climb for most senior drivers in their mid-60s and continue to increase from then on.
In Louisiana, the average cost for a full coverage policy is $2,712 for a 65-year-old and $2,725 for a 70-year-old.
70-year-old drivers pay almost the same for full coverage as 65-year-olds and 75-year-old drivers pays 3% more for a full coverage policy
The table below highlights the annual average rate increases for senior drivers in Louisiana based on age and different coverage levels:
| Age | State minimum | Liability only | Full coverage |
|---|---|---|---|
| 65 | $736 | $1,261 | $2,712 |
| 70 | $737 | $1,265 | $2,725 |
| 75 | $745 | $1,275 | $2,799 |
Coverage types:
- Full coverage: 100/300/100 liability with $500 comp/coll Deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage only
Find out how much insurance costs for seniors
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Cheapest car insurance for seniors with tickets in Louisiana
A speeding ticket or other moving violation will increase your insurance rates regardless of age. Insurers rely on statistics, which indicate that drivers with a ticket are more likely to be involved in an accident that could lead to a claim.
While the increase will vary by the insurance company, according to CarInsurance.com, Louisiana, drivers can expect their rates to go up 37% after a speeding ticket that is 1-29 mph over the limit.
Seniors who have a speeding ticket or minor moving violation can expect increased insurance costs. Based on our analysis, the best insurance providers for seniors with tickets are shown in the table below.
| Company | Annual rates with 1 speeding ticket | Monthly rates with 1 speeding ticket |
|---|---|---|
| Southern Farm Bureau | $2,638 | $220 |
| Safeway Insurance | $2,810 | $234 |
| State Farm | $3,611 | $301 |
| Progressive | $4,053 | $338 |
| Farmers | $4,419 | $368 |
| Auto Club Enterprises (AAA) | $4,602 | $384 |
| GEICO | $6,180 | $515 |
| USAA* | $2,628 | $219 |
Compare senior car insurance rates in neighboring states
Cheapest car insurance for seniors with DUIs in Louisiana
A DUI is a serious offense and your insurance rates will skyrocket once it appears on your driving record. Typically, your insurance premium will double after a DUI. According to our data, in some states, the increase can be as high as 56% after your first DUI. If you get a second DUI, the insurance rates could increase by 110%.
After a DUI, finding affordable or any coverage can be difficult, but based on our data, these insurers are the best options for seniors with a DUI in Louisiana:
| Company | Annual rates with DUI first offense | Monthly rates with DUI first offense |
|---|---|---|
| Southern Farm Bureau | $3,032 | $253 |
| Progressive | $3,375 | $281 |
| State Farm | $3,611 | $301 |
| Safeway Insurance | $3,623 | $302 |
| Auto Club Enterprises (AAA) | $4,775 | $398 |
| Farmers | $6,328 | $527 |
| GEICO | $7,088 | $591 |
| USAA* | $3,283 | $274 |
Cheapest car insurance for seniors after an accident in Louisiana
Just like a ticket or DUI, having an accident on your driving record will push up your insurance rates. The increase will vary by insurance company but according to our data, drivers should expect their premium to jump 53% with one at-fault accident with property damage over $2,000.
The increase will generally be in effect for three to five years, so it’s essential to seek the most affordable insurance provider. Below, these insurers offer the cheapest car insurance rates for seniors after an accident in Louisiana.
| Company | Annual rates with 1 at-fault accident | Monthly rates with 1 at-fault accident |
|---|---|---|
| Southern Farm Bureau | $2,969 | $247 |
| Safeway Insurance | $3,390 | $283 |
| State Farm | $3,870 | $323 |
| Farmers | $4,329 | $361 |
| Auto Club Enterprises (AAA) | $5,128 | $427 |
| Progressive | $5,597 | $466 |
| GEICO | $6,199 | $517 |
| USAA* | $3,292 | $274 |
How can seniors save on car insurance in Louisiana?
While auto insurance for seniors can be costly, there are ways to save. Here are some simple steps to lower your premiums:
- Shop around: Comparing car insurance quotes every six months or annually around renewal time can help you find the best deal.
- Raise your deductible: By increasing your deductible from $500 to $1,000, you can reduce your monthly premiums. However, make sure you have enough savings to cover the higher deductible.
- Ask about discounts: Discounts, such as bundling with homeowners insurance, loyalty discounts and years of being licensed, are excellent ways to reduce your car insurance costs. Learn more about discounts below.
Editor’s Tip:Take a senior driving course: With an approved defensive driving course, seniors can save up to 5% on their car insurance in Louisiana. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in Louisiana.
Car insurance discounts for senior drivers in Louisiana
Seniors can take advantage of these car insurance discounts to reduce their insurance costs.
| Discount type | Potential annual savings |
|---|---|
| Air bags | 3% |
| Anti-theft device | 1% |
| Daily commute | 6% |
| Days advanced purchase | 2% |
| Defensive driver | 5% |
| Education | 3% |
| Electronic funds transfer | 2% |
| Homeowner | 4% |
| Lower annual mileage | 5% |
| Loyalty – years renewal with company | 9% |
| Marital status | 8% |
| Multi policy | 6% |
| Paperless/electronic documents | 1% |
| Payment type | 4% |
| Primary use | 8% |
| Profession | 12% |
| Safety devices | 3% |
| Telematics | 8% |
| Years insured | 21% |
| Years licensed | 24% |
Choosing the cheapest and best car insurance for seniors in Louisiana
Senior drivers, except teen drivers, shell out higher premiums than younger adult drivers. If you are looking for an affordable policy, carefully evaluate your needs and decide the amount of coverage to purchase. While shopping for insurance, consider the price, customer service and the discounts they offer.
Find the best auto insurance companies online to see which carrier provides affordable rates and easy-to-use websites or apps.
FAQ: Cheap car insurance for seniors in Louisiana
Who has the cheapest state minimum auto insurance for seniors in Louisiana?
Our data show that GEICO provides the cheapest state minimum auto insurance for seniors in Louisiana, at around $543 per year. Southern Farm Bureau and Progressive also rank highly for affordable state minimum coverage for seniors in Louisiana.
Which companies offer the cheapest liability car insurance for seniors in Louisiana?
Louisiana Farm Bureau offers the cheapest liability car insurance for senior drivers in Louisiana, with an average annual premium of $1,069. According to a CarInsurance.com data analysis, Southern Farm Bureau and Safeway Insurance also provide cheap liability insurance for seniors in Louisiana.
Does State Farm offer a senior discount in Louisiana?
State Farm does not offer a senior discount in Louisiana, but it provides many discounts that seniors can use to lower their premiums. It includes discounts for defensive driving courses, safe driving, long-term customer loyalty, bundling policies and advanced safety feature discounts.
Bottom line
Southern Farm Bureau offers the cheapest car insurance quotes for senior drivers in Louisiana for a full coverage policy, based on a CarInsurance.com analysis.
By shopping around and comparing rates online from different insurers, seniors can find the best deal on their car insurance. Additionally, senior drivers could qualify for discounts by taking defensive driving courses or bundling their car insurance with other types of insurance.
Check out how to shop for car insurance for seniors
Resources & Methodology
Additional resources
There are several resources available for older drivers who want to stay safe behind the wheel and save on their insurance premiums:
- American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
- AARP (American Association of Retired Persons): AARP’s smart driver program helps senior drivers to learn proven driving techniques and save money on car insurance.
- National Institute on Aging: The NIA provides tips to senior drivers about health and driving and offers free publications to aging seniors to answer health-related queries.
- Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
- Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.
Sources:
- Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed February 2026.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed February 2026.
- National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed February 2026.
- National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed February 2026.
Behind the rates: How we analyzed cheapest costs for seniors in Louisiana
CarInsurance.com gathered car insurance rates for senior drivers from Quadrant Information Services. The rates are for a full coverage policy with limits 100/300/100 and a $500 comprehensive and collision deductible based on sample profiles of 65, 70 & 75 year old male and female drivers with clean driving records. We have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 170 national and regional car insurance companies.
To determine car insurance rates for senior drivers with a history of traffic violations, CarInsurance.com used a sample profile of a 65-year-old driver who owns a Honda Accord LX. We have compared 50,73,544 insurance quotes from 138 companies across 1,468 ZIP codes.
Car insurance rates are calculated by evaluating the sample profile of a 65-year-old male and female driver with the following incidents applied
- One at-fault property damage accident over $2K
- One at-fault property damage accident under $2K
- At-fault bodily injury accidents
- DUI/DWI first offense.
- Speeding ticket (1-10 MPH over the limit,11-29 MPH over the limit & 30+ over limit)
These are sample rates and should only be used for comparison purposes.
Note: USAA is only available to military community members and their families.
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