Cheapest Car Insurance In Louisiana (2024)
The cheapest car insurance in Louisiana comes from Southern Farm Bureau at $51 per month on average.
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Considering the increasing expenses of car insurance, it is advisable for drivers in Louisiana to evaluate various policy choices in order to find the least expensive coverage. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage options, and average premiums of each provider.
In this review, we will tell you the most effective ways to spend less on insurance and the places in Louisiana where you can get the most inexpensive car insurance that suits your driving profile.
Key Points
- Southern Farm Bureau is the cheapest car insurance company in Louisiana overall, with an average rate of $51 per month for minimum coverage and $181 per month for full coverage.
- Progressive and GEICO also offer affordable car insurance rates for many driver profiles.
- If you’re under 25 or have traffic violations, your car insurance rates will be higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Cheap Car Insurance Louisiana
Car insurance companies each have their own way of evaluating driver information, so the least expensive provider for one person might not be the least expensive for you. To illustrate this, here is a quick overview of the most affordable auto insurance companies and their prices for various driver profiles in Louisiana.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | Southern Farm Bureau | $51 | $615 |
| Full coverage | Southern Farm Bureau | $181 | $2,174 |
| 16-year-olds | Southern Farm Bureau | $227 | $2,721 |
| 45-year-olds | Southern Farm Bureau | $37 | $441 |
| High-risk drivers | Southern Farm Bureau | $67 | $803 |
| After a speeding ticket | Southern Farm Bureau | $60 | $723 |
| After an accident | Southern Farm Bureau | $67 | $807 |
| After a DUI | Progressive | $67 | $807 |
| Poor credit drivers | GEICO | $60 | $715 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Louisiana?
In general, we discovered that Southern Farm Bureau provides the most affordable car insurance in Louisiana for most types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Louisiana.
These rates apply to drivers in Louisiana, with various ages, locations, and driving backgrounds. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Louisiana: Southern Farm Bureau
Drivers looking for the most affordable coverage that just meets Louisiana state minimum requirements may find it at Southern Farm Bureau for about $51 per month or $615 per year on average.
| Cheapest Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Southern Farm Bureau | $51 | $615 |
| Progressive | $59 | $705 |
| GEICO | $60 | $715 |
| USAA | $78 | $932 |
| Louisiana Farm Bureau Mutual | $80 | $955 |
| State Farm | $93 | $1,112 |
| AAA | $95 | $1,143 |
| Safeway | $121 | $1,452 |
| Direct | $123 | $1,480 |
| Farmers | $256 | $3,078 |
Cheapest Full Coverage In Louisiana: Southern Farm Bureau
Southern Farm Bureau is the best choice if you want comprehensive coverage at an affordable price. The provider offers full-coverage insurance for an average of $181 per month.
Full-coverage insurance policies in Louisiana generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Louisiana | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Southern Farm Bureau | $181 | $2,174 |
| USAA | $258 | $3,100 |
| Progressive | $262 | $3,144 |
| GEICO | $283 | $3,400 |
| Louisiana Farm Bureau Mutual | $299 | $3,589 |
| Safeway | $354 | $4,249 |
| State Farm | $374 | $4,494 |
| Direct | $381 | $4,574 |
| AAA | $407 | $4,880 |
| Farmers | $470 | $5,634 |
Cheapest Car Insurance In Louisiana: Age
Below, you’ll find average insurance costs for Louisiana drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. Drivers aged 30 to 55 often receive the most affordable car insurance rates because they possess greater road experience. In addition, statistics indicate that they have a lower likelihood of being involved in car accidents compared to younger drivers.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $423 | $1,187 |
| 25 | $112 | $354 |
| 35 | $91 | $300 |
| 45 | $86 | $282 |
| 55 | $79 | $257 |
Cheapest Louisiana Car Insurance: Young Drivers
As mentioned, new drivers and early 20s typically pay the most expensive car insurance rates. That’s mostly because these drivers don’t have as much practice driving and are more likely to break traffic rules and get into car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Louisiana Car Insurance For 16-Year-Olds: Southern Farm Bureau
If you’re a teen driver or the parent of one, Southern Farm Bureau may be your best bet for finding the most affordable car insurance in Louisiana.
The company’s cheapest average rates for 16-year-old drivers are $227 per month or $2,721 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $478 per month or $5,734 per year from Southern Farm Bureau.
| Cheapest Car Insurance in Louisiana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Southern Farm Bureau | $227 | $478 |
| GEICO | $263 | $1,244 |
| USAA | $275 | $870 |
| Louisiana Farm Bureau Mutual | $283 | $1,020 |
| Safeway | $291 | $795 |
| Direct | $374 | $1,016 |
| State Farm | $395 | $1,238 |
| AAA | $412 | $1,476 |
| Progressive | $424 | $1,702 |
| Farmers | $1,288 | $2,033 |
Cheapest Louisiana Car Insurance For 25-Year-Olds: Southern Farm Bureau
Car insurance rates for young drivers in their 20s decrease a lot compared to what teen drivers pay. However, the rates for this age group can still be high depending on the company you select.
Southern Farm Bureau provides the cheapest car insurance costs on average at $62 per month or $742 per year for minimum coverage. Southern Farm Bureau costs $204 per month or $2,445 per year for full coverage.
| Cheapest Car Insurance in Louisiana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Southern Farm Bureau | $62 | $204 |
| Progressive | $64 | $277 |
| GEICO | $65 | $300 |
| Louisiana Farm Bureau Mutual | $80 | $299 |
| USAA | $85 | $283 |
| State Farm | $103 | $416 |
| AAA | $106 | $443 |
| Safeway | $132 | $387 |
| Direct | $134 | $412 |
| Farmers | $291 | $519 |
Cheapest Louisiana Car Insurance: Adult Drivers
People in their 40s usually have the cheapest car insurance rates. You can compare average rates of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Louisiana Car Insurance For 35-Year-Olds: Southern Farm Bureau
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from Southern Farm Bureau. The company offers average minimum-coverage costs of $41 per month or $487 per year. For full coverage, Southern Farm Bureau’s rates average $159 monthly or $1,903 annually.
| Cheapest Car Insurance in Louisiana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Southern Farm Bureau | $41 | $159 |
| Progressive | $53 | $247 |
| GEICO | $55 | $267 |
| USAA | $70 | $234 |
| Louisiana Farm Bureau Mutual | $80 | $299 |
| State Farm | $83 | $333 |
| AAA | $85 | $370 |
| Safeway | $110 | $321 |
| Direct | $113 | $350 |
| Farmers | $222 | $420 |
Cheapest Louisiana Car Insurance For 45-Year-Olds: Southern Farm Bureau
Forty-five-year-old drivers may find the most affordable minimum coverage from Southern Farm Bureau, with average rates of $37 per month or $441 per year. The cheapest full coverage comes from Southern Farm Bureau at $146 per month or $1,748 per year.
| Cheapest Car Insurance in Louisiana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Southern Farm Bureau | $37 | $146 |
| Progressive | $47 | $221 |
| GEICO | $54 | $255 |
| USAA | $67 | $219 |
| Louisiana Farm Bureau Mutual | $80 | $299 |
| AAA | $82 | $362 |
| State Farm | $85 | $329 |
| Safeway | $96 | $279 |
| Direct | $100 | $312 |
| Farmers | $216 | $394 |
Cheapest Louisiana Car Insurance For 55-Year-Olds: Southern Farm Bureau
People who are in their 50s usually have the opportunity to get the most affordable car insurance rates in Louisiana when they choose Southern Farm Bureau. The insurer’s average premiums are $38 monthly or $455 annually for minimum coverage. The cheapest full coverage option is from Southern Farm Bureau, costing $146 monthly or $1,748 annually
| Cheapest Car Insurance in Louisiana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Southern Farm Bureau | $38 | $146 |
| Progressive | $40 | $190 |
| GEICO | $49 | $221 |
| USAA | $65 | $210 |
| Louisiana Farm Bureau Mutual | $66 | $251 |
| AAA | $77 | $346 |
| State Farm | $81 | $313 |
| Safeway | $90 | $255 |
| Direct | $94 | $288 |
| Farmers | $190 | $355 |
Cheapest Car Insurance In Louisiana: High-Risk Drivers
Besides the type of coverage and the age factor, your driving behavior significantly influences the cost of your car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding tickets, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk are charged car insurance rates that are higher than the average due to the many violations they have on their driving records. On average, Louisiana motorists who are deemed high-risk may find the most affordable rates from Southern Farm Bureau for minimum coverage or Southern Farm Bureau for full coverage.
| Cheapest Car Insurance in Louisiana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Southern Farm Bureau | $67 | $222 |
| Progressive | $80 | $357 |
| Louisiana Farm Bureau Mutual | $82 | $306 |
| State Farm | $105 | $409 |
| GEICO | $111 | $482 |
| USAA | $114 | $380 |
| Safeway | $150 | $423 |
| AAA | $163 | $600 |
| Direct | $175 | $530 |
| Farmers | $471 | $845 |
Cheapest Louisiana Car Insurance For Drivers With A Speeding Ticket: Southern Farm Bureau
Drivers with a speeding citation on their record can generally find the most affordable coverage from Southern Farm Bureau, with average rates of $60 per month or $723 per year for minimum coverage and $203 per month or $2,439 per year for full coverage.
| Cheapest Car Insurance in Louisiana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Southern Farm Bureau | $60 | $203 |
| GEICO | $74 | $366 |
| Progressive | $75 | $339 |
| Louisiana Farm Bureau Mutual | $80 | $299 |
| USAA | $101 | $334 |
| State Farm | $102 | $400 |
| Safeway | $127 | $360 |
| AAA | $149 | $560 |
| Direct | $164 | $488 |
| Farmers | $348 | $622 |
Cheapest Louisiana Car Insurance For Drivers With An At-Fault Accident: Southern Farm Bureau
If you get into a car accident in Louisiana, it can make your car insurance rates go up. Southern Farm Bureau tends to offer the most affordable rates on average at about $67 per month or $807 per year for minimum coverage and $229 per month or $229 per year for full coverage.
| Cheapest Car Insurance in Louisiana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Southern Farm Bureau | $67 | $229 |
| Louisiana Farm Bureau Mutual | $88 | $321 |
| Progressive | $98 | $434 |
| State Farm | $112 | $429 |
| USAA | $118 | $380 |
| GEICO | $121 | $514 |
| Safeway | $155 | $439 |
| AAA | $178 | $643 |
| Direct | $181 | $551 |
| Farmers | $424 | $767 |
Cheapest Louisiana Car Insurance For Drivers With A DUI: Progressive
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Louisiana from Progressive for $67 per month or $807 per year on average. They also have rates of $297 monthly or $3,567 annually for full coverage.
| Cheapest Car Insurance in Louisiana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Progressive | $67 | $297 |
| Southern Farm Bureau | $73 | $235 |
| Louisiana Farm Bureau Mutual | $80 | $299 |
| State Farm | $102 | $400 |
| USAA | $122 | $426 |
| GEICO | $137 | $565 |
| AAA | $161 | $596 |
| Safeway | $167 | $470 |
| Direct | $181 | $551 |
| Farmers | $640 | $1,146 |
Cheapest Louisiana Car Insurance For Drivers With Poor Credit: GEICO
People who have bad credit pay more money for car insurance. Those who don’t have the best credit history may want to check out GEICO, which has an average minimum-coverage rate of $87 per month or $1,049 per year and an average full-coverage rate of $432 per month or $5,182 per year.
| Cheapest Car Insurance in Louisiana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $87 | $432 |
| Southern Farm Bureau | $88 | $312 |
| Progressive | $95 | $455 |
| USAA | $117 | $427 |
| Safeway | $121 | $354 |
| Direct | $163 | $503 |
| Louisiana Farm Bureau Mutual | $165 | $620 |
| AAA | $253 | $1,108 |
| Farmers | $539 | $1,119 |
| State Farm | $572 | $1,731 |
Average Cost Of Car Insurance In 10 Louisiana Cities
Another factor that affects how much you pay for car insurance in Louisiana is the specific location you live in. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people.
- There are additional vehicles on the street.
- More car accidents occurring at increased rates.
- More instances of breaking traffic laws
- More incidents of car theft and auto vandalism
- Extreme weather conditions
Certain factors that increase the chances of car-related risks tend to have a greater impact on people who own cars in bigger cities. This is why drivers residing in busy urban areas have to pay the highest average amount for car insurance with minimum coverage. On the other hand, drivers in rural areas with lower crime rates and smaller populations are more likely to enjoy lower insurance rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| New Orleans | $140 | $422 |
| Baton Rouge | $107 | $310 |
| Kenner | $114 | $333 |
| Lafayette | $100 | $283 |
| Shreveport | $74 | $251 |
| Lake Charles | $95 | $297 |
| Bossier City | $70 | $236 |
| Hammond | $83 | $280 |
| Marrero | $130 | $381 |
| Slidell | $85 | $278 |
Top 5 Car Insurance Companies In Louisiana
Besides the price, we have examined more than 40 insurance companies in terms of their coverage, service, and dependability. Our goal was to identify the top five insurers for residents of Louisiana. Based on our research, we found Southern Farm Bureau to be the best provider for most drivers in Louisiana. Here are our ratings for the choices we recommend overall.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 AAA | 4.5 | 4.5 | 4.9 | 4.1 | 4.4 |
| #3 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #4 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #5 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Louisiana
In Louisiana, you have a few options to reduce the cost of your car insurance. These include:
- Opting for minimum coverage: Choosing to have only the minimum coverage that your state requires will give you the most affordable car insurance available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting quotes from several companies can assist you in determining which provider will offer the most favorable offer.
Many insurance companies have usage-based insurance programs, which can help you save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you may qualify for a big discount on your insurance. However, certain programs may actually increase your rates if you engage in risky driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Louisiana Require For Car Insurance?
Drivers in Louisiana must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $30,000 bodily injury liability per accident
- $15,000 bodily injury liability per person
- $25,000 property damage liability per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Louisiana
When it comes to both minimum and full coverage, Southern Farm Bureau is the best and cheapest auto insurance company for most drivers in Louisiana. While the above costs can give you an idea of what you’d pay for car insurance in Louisiana, requesting a customized quote will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and no-cost tools online that can give you a quote, or you can contact an insurance agent or representative from the company. Once you get quotes from three or more providers, compare them to find the best option for you.
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Best Cheap Car Insurance In Louisiana: FAQ
Here are some frequently asked questions about car insurance in Louisiana:
How much is car insurance per month in Louisiana?
Is Louisiana Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.