The cheapest full coverage car insurance in Louisiana is $177, saving you $63 compared to the average cost of insurance in the state, which is around $240 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Louisiana, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- 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.
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.
Who pays a lower insurance premium in Louisiana?
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
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you 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 Louisiana insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Louisiana’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits 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
Cheapest car insurance in Louisiana, by driving history
Your driving history affects how much you pay for insurance in Louisiana because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $1,690 more annually in Louisiana than an individual with a clean driving record.
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 premiums in Louisiana after a DUI conviction
Louisiana drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $2,425 a year, followed by Progressive with an annual premium of $4,605 annually, based on recent data.
If you have a clean record, you are likely to pay 36% less for car insurance than someone with a 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 rates in Louisiana after an at-fault accident
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $2,580 annually.
Progressive is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $5,448.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| 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
Louisiana cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Sarepta is the city with the lowest premiums in Louisiana at an annual auto insurance rate of $2,452.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Louisiana cities with the lowest 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 |
Explore the top 10 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 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.
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs