- 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.
Which company offers the cheapest 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 includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Louisiana by different insurance carriers for a full coverage policy.
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 liability-only coverage in Louisiana
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
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 full coverage car insurance in Louisiana
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 following table lists the average annual rates of major insurance companies in Louisiana from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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 car insurance in Louisiana by driving history
In Louisiana, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
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 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.
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.
Check out the most affordable insurance options in your neighboring state
Which cities in Louisiana have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
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.
Below is a list of cities in Louisiana with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence 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
In Louisiana, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Louisiana below.
| 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 auto insurance in Louisiana
Based on our findings, Southern Farm Bureau provides the cheapest rates for a full coverage policy in Louisiana if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Louisiana, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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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