- According to recent data, Southern Farm Bureau offers the cheapest full coverage car insurance in Louisiana at $177 per month.
- Louisiana drivers with a clean driving record pay 36% less for car insurance than drivers with a DUI.
- In Louisiana, the city of Sarepta has the most affordable car insurance rates at $2,452 annually.
- Comparing price quotes from multiple insurers can help you save up to 26% per year on your car insurance policy in Louisiana.
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.
Car insurance companies with cheap car insurance in Louisiana
Southern Farm Bureau has the cheapest full coverage car insurance in Louisiana, at an average premium of $177 per month or around $2,121 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Louisiana. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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.
Louisiana drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 10% less than single drivers.
- Louisiana drivers with clean records pay 36% less than drivers who have a DUI on their record.
- 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 companies for different coverage levels in Louisiana
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
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 state minimum coverage in Louisiana
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Louisiana, you must have at least the following insurance coverage on your car.
| 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
Below, you’ll see average annual rates for major insurance providers in Louisiana, ranked from cheapest to most expensive for state minimum coverage.
| 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.
Here are the average annual rates for liability insurance coverage from major carriers in Louisiana, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $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 full coverage in Louisiana
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Louisiana, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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
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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.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Louisiana, drivers with a history of traffic violation pay an average of $1,690 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates in Louisiana after a speeding ticket
A speeding ticket can impact your Louisiana car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $2,425 a year.
| 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.
Cheap car insurance rates after a DUI conviction in Louisiana
CarInsurance.com analyzed insurance rates for Louisiana drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $2,425. Progressive is the second-cheapest insurer at an average of $4,605 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 36% less than drivers with a DUI on their record.
| 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.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Louisiana
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.
In Louisiana, Sarepta stands out as the city with the lowest auto insurance rates, at an average of $2,452 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
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 |
The bottom line on cheap car insurance in Louisiana
Based on our research, if you are a good driver, Southern Farm Bureau is the cheapest in Louisiana for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Louisiana is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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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