You can find the cheapest full-coverage car insurance in Louisiana for $177 a month from Southern Farm Bureau. It saves you $63 compared to the state average car insurance cost of $240 monthly.
Shopping for car insurance in Louisiana can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
- 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 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 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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Who pays a lower insurance premium in Louisiana?
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 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.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in 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 up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Louisiana
In Louisiana, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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.
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.
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 in Louisiana after a speeding ticket
If you have a speeding ticket on your Louisiana driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $2,425 per 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
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 rates after an at-fault accident in Louisiana
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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Louisiana
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.
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.
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 auto insurance in Louisiana?
Shopping around for car insurance quotes in Louisiana can help drivers save 26% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Louisiana: Save on premiums
Louisiana drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Louisiana.
| 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
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:
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing 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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Nupur Gambhir
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