Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 31, 2021

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AutoInsureSavings.org team of licensed insurance agents found Louisiana Farm Bureau at $518 per year is the cheapest of all car insurance companies in Louisiana for state minimum policies.

At $1,856 per year, Louisiana Farm Bureau is the cheapest car insurance company in Louisiana for full coverage policies.

Affordable Louisiana Car Insurance Rates

Choosing the right car insurance company can help you improve your level of coverage while you stay within your budget.

Cheapest Car Insurance in Louisiana - Key Takeaways
AutoInsureSavings.orgThe cheapest Louisiana car insurance options are:

Cheapest for minimum coverage: Louisiana Farm Bureau
Cheapest for full coverage: Louisiana Farm Bureau
Cheapest after an at-fault accident: Farm Bureau
Cheapest after a speeding ticket: Farm Bureau
Cheapest after a DUI: Progressive
Cheapest for poor credit history: Farm Bureau
Cheapest for young drivers: Farm Bureau
For younger drivers with a speeding violation: Farm Bureau
For younger drivers with an at-fault accident: State Farm
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To help you save money and find the best deal on your car insurance premium in Louisiana, AutoInsureSavings.org has compared the best rates from several top companies in the car insurance industry for various types of drivers and age groups. You can start by entering your zip code to get quotes. 

Cheapest auto insurance in Louisiana with Farm Bureau Insurance, State Farm, and Progressive compared with average rates.

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Cheapest Car Insurance in Louisiana for Minimum Coverage

Our agents found that Louisiana Farm Bureau offers the cheapest state minimum coverage car insurance for drivers in Louisiana with good driving records at $518 per year, which is 54% less expensive than the average cost for minimum liability coverage from other auto insurance companies in Louisiana at $1,109 per year. 

Auto InsurerAverage annual rate
Louisiana Farm Bureau$518
USAA$567
State Farm$984
Progressive$1,045
Liberty Mutual$1,389
Allstate$1,417
GEICO$1,634
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*USAA is for qualified military members, their spouses, and direct family members. Auto insurance rates may vary depending on the driver’s profile.

Louisiana drivers can purchase state minimum liability requirements for less than $1,300 per year from several providers.

While Farm Bureau and State Farm are the cheapest options for many Louisiana drivers, we also found that Progressive and Liberty Mutual are two good car insurance carriers to consider based on our research for drivers who want to save the most money. 

Minimum property damage and bodily injury liability policies are cheaper car insurance premiums, which exclude comprehensive and collision coverage, but AutoInsureSavings.org licensed agents recommend buying full coverage insurance in Louisiana since filing a claim with a minimum coverage insurance policy you could pay out-of-pocket expenses. 

Cheapest Full Coverage Car Insurance in Louisiana

We found that Louisiana Farm Bureau offers cheap full coverage car insurance for drivers in Louisiana with a $1,856 per year quote or 34% cheaper than the state average rates. 

State Farm is the next best option at $2,326 per year or 17% less expensive than Louisiana’s average $2,786 insurance rate. 

InsurerAnnual costMonthly cost
Louisiana Farm Bureau$1,856$154
State Farm$2,326$193
Progressive$2,537$211
Louisiana average$2,786$232
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*USAA is for qualified military personnel, their spouses, and direct family members. Rates may vary by zip code and depending on driver profiles.

The average driver in Louisiana paying for full coverage insurance is $232 per month. Drivers can find cheaper auto policies by comparing top car insurance providers’ rates like those listed here.

Cheapest Car Insurance in Louisiana with a Speeding Ticket

Our licensed agents found Louisiana Farm Bureau offers the cheapest auto insurance rates for drivers in Louisiana with a speeding violation at $2,178 per year or a $181 monthly rate. Farm Bureau‘s quote is 37% lower than the Louisiana average rates of $3,432 per year. 

InsurerAnnual costMonthly cost
Louisiana Farm Bureau$2,178$181
State Farm$2,822$235
Progressive$2,941$245
Louisiana average$3,432$286
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Average rates increase by $646 per year after a moving violation in Louisiana. Car insurance companies use traffic tickets to assess risk; having one or more tickets on your driving record indicates you are riskier to the insurer than drivers with a clean driving history.

According to the Louisiana Office of Motor Vehicles (OMV), if you receive too many moving violations, you can receive a driver’s license suspension and a car insurance company rate increase by 19% until the traffic violation falls off your driving record in three years.

Cheapest Car Insurance in Louisiana with an At-Fault Accident

Louisiana Farm Bureau offers the most affordable car insurance rates for drivers with a recent at-fault accident in Louisiana, with annual car insurance premiums as low as $2,531 per year. That is $2,010 less than state average rates, or 44% cheaper drivers pay for coverage in Louisiana.

InsurerAnnual costMonthly cost
Louisiana Farm Bureau$2,532$211
Progressive$3,067$255
Liberty Mutual$3,736$311
Louisiana average$4,542$378
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Progressive and Liberty Mutual are auto insurance companies that offer lower than state average rates for many drivers in Louisiana who have an accident on their record.

According to the Louisiana Department of Insurance (LDI), an auto accident will remain on your motor vehicle record for three years, along with an average insurance rate increase of 39% per year.  

Cheapest Car Insurance With a DUI in Louisiana

Progressive offers the cheapest insurance rates in Louisiana for drivers with a DUI/DWI in their driver history at $3,065 per year. The average rate for drivers with a DUI in Louisiana is $5,021, and Progressive’s best rates are 39% lower than other auto insurance companies.

InsurerAnnual costMonthly cost
Progressive$3,065$255
State Farm$3,521$293
Safeway Insurance Co.$3,619$301
Louisiana average$5,021$418
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Louisiana drivers with a DUI (called a DWI or OWI locally) can expect to see their auto insurance rates increase by as much as 45%, with a possible driver’s license suspension with a court-approved driver improvement program. 

That is why it is essential to shop around to find a car insurance provider that offers the most affordable rates after a DUI offense. Our agents recommend Louisiana drivers with a drunk driving infraction take a defensive driving course to lower auto insurance premiums. 

Cheapest Car Insurance in Louisiana with Poor Credit

Louisiana Farm Bureau offers the cheapest auto insurance rates for Louisiana drivers who have a poor credit history. Farm Bureau’s rates are $2,317 per year for our sample 30-year-old male driver or 39% less per year. 

Progressive and State Farm are two insurance companies with a less expensive option offering their best rates in the Bayou State, 19% lower than the state’s $3,465 average rates.

InsurerAnnual costMonthly cost
Louisiana Farm Bureau$2,317$193
Progressive$2,650$220
State Farm$2,826$235
Louisiana average$3,465$288
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Those who have a bad credit score in Louisiana may see that their insurance rates are higher than average. For most people, poor credit score insurance rates are 20% higher than those with good credit scores, according to the Insurance Information Institute (III.org)

Make sure to pay your bills, student loans, and credit cards on time to save money on Louisiana car insurance premiums.  

Cheapest Car Insurance for Young Drivers in Louisiana

Louisiana Farm Bureau offers the cheapest insurance rates for younger drivers in Louisiana with clean driving records, with an average of $3,517 per year for full coverage car insurance.

For less than average costs for minimum coverage, a teen driver should choose Nationwide, which offered our licensed agents a $1,322 per year rate or 20% less per year than Louisiana average rates. 

Auto InsurerFull coverageMinimum coverage
Louisiana Farm Bureau$3,517$1,343
USAA$3,780$1,516
State Farm$3,976$1,867
Nationwide$4,055$1,332
Safeway Insurance Co.$5,476$2,460
Allstate$6,328$2,856
GEICO$6,957$3,068
Progressive$7,124$3,236
Louisiana average$5,128$2,984
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*USAA is for qualified military members, their spouses, and direct family members. Rates may vary by zip code and depending on driver profiles.

Young or teen Louisiana drivers needing coverage can save more by comparing insurance quotes like those shown above.

Drivers who choose Farm Bureau Insurance can save as much as 32% on their car insurance premiums, which can be substantial savings for younger drivers and their parents.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

During our analysis of auto insurers with the best rates, our agents found teen drivers needing coverage in Louisiana with a speeding ticket on their driving record can get cheaper insurance rates with Farm Bureau at $3,776 per year or $314 monthly rate, which is 39% less expensive than Louisiana average rates. 

InsurerAnnual costMonthly cost
Farm Bureau$3,776$314
Nationwide$4,055$337
Allstate$6,328$527
Louisiana average$6,164$513
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Cheapest Car Insurance for Young Drivers with an Auto Accident

Young Louisiana drivers with an at-fault accident on their driving record can find the cheapest full coverage insurance quotes with State Farm, which provided us a quote at $4,054 per year or 52% lower than the average car insurance rates of a similar teen driver profile.

InsurerAnnual costMonthly cost
State Farm$4,054$337
Farm Bureau$4,170$347
Nationwide$4,973$414
Louisiana average$8,361$696
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Best Car Insurance Companies in Louisiana

Several great insurance companies to choose from coverage in Louisiana based on their price, customer service and support, and coverage level.

ValuePenguin did a survey and found the overall best car insurance companies in Louisiana are USAA and Allstate, with high marks from current policyholders for claims satisfaction. If you are not eligible for USAA, Allstate is the next best option based on customer satisfaction. 

Company% respondents satisfied with recent claim% respondents rated customer service as excellent
USAA68%62%
Allstate64%47%
State Farm59%46%
GEICO56%42%
Progressive51%34%
Louisiana Farm Bureaun/an/a
Safewayn/an/a
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AutoInsureSavings.org team of licensed insurance agents compared complaints by each insurance carrier using the National Association of Insurance Commissioners complaint index.

Using the complaint index (best ratio of complaints to market share) from NAIC, the best car insurers are Louisiana Farm Bureau and State Farm. Both car insurance companies are below the national average of 1.00, with a 0.36 and 0.66 complaint index, respectfully. 

InsurerNAIC complaint indexJ.D. Power claims satisfactionAM Best rating
Louisiana Farm Bureau0.36n/aA+
State Farm0.66881A++
USAA0.68890A++
Allstate0.71876A+
Progressive0.86856A+
Geico1.02871A++
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Using J.D. Power’s claims satisfaction survey and the AM Best financial strength ratings, USAA, State Farm, and Allstate are the best insurance providers.  

Average Cost of Car Insurance by City in Louisiana

An insurance carrier will use your zip code and many risk factors like your credit score, marital status, vehicle type, and past driving history to determine your Louisiana car insurance costs. The average cost of insurance for Louisiana drivers is $2,786 per year or $232 per month. During our comparison shopping study, we found the cheapest insurers by city. 

Cheapest Car Insurance in New Orleans, LA

New Orleans drivers can shop around and find the cheapest insurance coverage from Farm Bureau Insurance company which provided our agents a $1,890 rate per year for a full coverage auto insurance policy. Farm Bureau’s rate is 35% lower than average rates in New Orleans.   

New Orleans CompanyAverage Premium
Farm Bureau$1,890
State Farm$2,433
Progressive$2,590
New Orleans average$2,879
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Cheapest Car Insurance in Baton Rouge, LA

Drivers in Baton Rouge with clean driving history can find the least expensive insurance rate with Safeway Insurance Co. at $1,925 per year for full coverage for our sample 30-year-old driver, 32% below average rates in Baton Rouge.   

Baton Rouge CompanyAverage Premium
Safeway Insurance$1,925
Farm Bureau$2,058
State Farm$2,418
Baton Rouge average$2,804
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Cheapest Car Insurance in Shreveport, LA

We found the cheapest auto insurance quotes in Shreveport from Farm Bureau, with a $1,860 quote per year for full coverage with $500 deductibles of collision and comprehensive coverage. Louisiana Farm Bureau’s rate is 33% cheaper than average rates in Shreveport.  

Shreveport CompanyAverage Premium
Farm Bureau$1,860
State Farm$1,978
Progressive$2,254
Shreveport average$2,754
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Cheapest Car Insurance in Metairie, LA

Metairie, LA’s cheapest auto insurance rates can be found with Nationwide with a quote at $1,910 per year for our sample 30-year-old driver. Nationwide’s rate is 31% cheaper than Metairie’s average rates.

Metairie CompanyAverage Premium
Nationwide$1,910
Progressive$2,035
Farm Bureau$2,062
Metairie average$2,760
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Cheapest Car Insurance in Lafayette, LA

Lafayette drivers with good driving records can get the cheapest auto insurance coverage with Progressive, which provided our agents a quote at $1,821 per year for our 30-year-old sample driver with a full coverage auto policy. 32% lower than Lafayette’s average rates. 

Lafayette CompanyAverage Premium
Progressive$1,821
Farm Bureau$1,943
State Farm$2,334
Lafayette average$2,655
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Cheapest Auto Insurance in Lake Charles, LA

Lake Charles residents needing the cheapest auto coverage for their car should get quotes from Farm Bureau, who provided our insurance agents a rate at $1,568 per year or 37% lower than average rates in New Lake Charles.  

Lake Charles CompanyAverage Premium
Farm Bureau$1,568
Progressive$1,740
State Farm$1,768
Lake Charles average$2,480
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Cheapest Car Insurance in Bossier City, LA

Bossier City’s cheapest auto insurance is with Progressive, who provided us a quote at $1,674 per year for a 30-year-old driver with full coverage. Progressive’s rate is 38% less expensive than the average Bossier City rate.

Bossier City CompanyAverage Premium
Progressive$1,674
Farm Bureau$1,699
State Farm$2,057
Bossier City average$2,681
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Average Auto Insurance Costs for All Cities in Louisiana

CityAnnual premium costCityAnnual premium cost
New Orleans$2,879Stonewall$2,488
Baton Rouge$2,804Blanchard$2,513
Shreveport$2,754Boutte$2,563
Metairie$2,760Sunset$2,539
Lafayette$2,655Homer$2,584
Lake Charles$2,480Natalbany$2,682
Bossier City$2,681Norco$2,931
Kenner$2,476Delhi$2,663
Monroe$2,429Poydras$2,672
Alexandria$2,499Lockport$2,488
Houma$2,320Arcadia$2,519
Prairieville$2,488Westminster$2,553
Marrero$2,364Lake Providence$2,564
New Iberia$2,564Kinder$2,586
Laplace$2,519Lake Arthur$2,590
Central$2,539Brusly$2,564
Slidell$2,553Many$2,594
Terrytown$2,715Bawcomville$2,687
Chalmette$2,690Sterlington$2,697
Ruston$2,687Pearl River$2,488
Harvey$2,488Haynesville$2,700
Hammond$2,709Mathews$2,728
Shenandoah$2,564Abita Springs$2,729
Sulphur$2,386Coushatta$2,712
Bayou Cane$2,687Colfax$2,499
Estelle$2,700Bourg$2,690
Natchitoches$2,726New Llano$2,717
Gretna$2,729Chauvin$2,742
Zachary$2,539Belle Rose$2,747
Opelousas$2,750Erath$2,519
Thibodaux$2,662Milton$2,690
Pineville$2,742Baldwin$2,488
Luling$2,754Fort Polk North$2,713
Belle Chasse$2,488Amelia$2,553
Baker$2,747Erwinville$2,564
Youngsville$2,519Pierre Part$2,742
River Ridge$2,752Lakeshore$2,726
Crowley$2,553Benton$2,942
West Monroe$2,747Garyville$2,700
Mandeville$2,499Lafourche Crossing$2,488
Minden$2,713Montegut$2,690
Abbeville$2,488Kentwood$2,747
Broussard$3,044Montz$2,564
Bogalusa$2,687Delcambre$2,750
Claiborne$2,564Ossun$2,539
Bayou Blue$2,700Henderson$2,729
Destrehan$2,742Basile$2,747
Gardere$2,729Zwolle$2,519
Morgan City$2,747Independence$2,742
Moss Bluff$2,667St. Francisville$2,687
DeRidder$2,519Golden Meadow$2,564
Gonzales$2,753Cecilia$2,700
Raceland$2,726Bayou L'Ourse$2,499
Jefferson$2,519North Vacherie$2,553
Covington$2,687Logansport$2,713
Bastrop$2,747Rosepine$2,488
Woodmere$2,690Livingston$2,729
Eunice$2,539White Castle$2,726
Waggaman$2,553Iota$2,747
Jennings$2,488Bayou Gauche$2,742
Timberlane$2,729Lafitte$2,519
Denham Springs$2,700Port Sulphur$2,687
Harahan$2,519Edgard$2,488
Fort Polk South$2,564Port Barre$2,750
Carencro$2,488Cottonport$2,742
Lacombe$2,499Olla$2,700
Merrydale$2,687Duson$2,747
Scott$2,747Maurice$2,750
Reserve$2,726Clinton$2,668
Westwego$2,713Labadieville$2,754
Prien$2,750Jonesville$2,539
Oak Hills Place$2,564Minorca$2,729
Breaux Bridge$2,758Des Allemands$2,488
Donaldsonville$2,742Sorrento$2,744
Rayne$2,519Cade$2,687
Old Jefferson$2,488Oak Grove$2,750
Oakdale$2,539Ringgold$2,499
Eden Isle$2,553Simmesport$2,747
St. Rose$2,700Lockport Heights$2,726
Red Chute$2,742Paradis$2,553
Village St. George$2,729Oberlin$2,519
St. Gabriel$2,488Woodworth$2,713
Ponchatoula$2,726Bernice$2,690
Ville Platte$2,687Charenton$2,564
Larose$2,747Mansura$2,729
Meraux$2,690Presquille$2,488
Galliano$2,742Livonia$2,687
Franklin$2,519Arnaudville$2,539
Tallulah$2,499New Sarpy$2,553
Plaquemine$2,750Hackberry$2,747
Bridge City$2,553Killian$2,488
Schriever$2,750Pine Prairie$2,742
Walker$2,713Sibley$2,700
Cut Off$2,687Urania$2,519
Inniswold$2,488Deville$2,690
Patterson$2,553Lakeview$2,713
St. Martinville$2,700Elton$2,687
Gray$2,564Glenmora$2,729
Leesville$2,519Paulina$2,499
Brownfields$2,488Wallace$2,726
Violet$2,539Lawtell$2,553
Elmwood$2,747Lawtell and Watson$2,750
Marksville$2,742Gueydan$2,519
Jeanerette$2,726Vienna Bend$2,747
Chackbay$2,713Empire$2,488
Avondale$2,747Paincourtville$2,564
Addis$2,553Barataria$2,742
Carlyss$2,729Merryville$2,700
Grambling$2,690Newellton$2,726
Jackson$2,488Hayes$2,539
Port Allen$2,519Ama$2,742
Springhill$2,499Melville$2,553
Monticello$2,687Midway$2,713
Mansfield$2,539Dulac$2,747
Westlake$2,564Bayou Country Club$2,488
Winnsboro$2,519Banks Springs$2,750
Swartz$2,742Albany$2,687
Berwick$2,726Cullen$2,747
New Roads$2,700Lemannville$2,729
Eastwood$2,488Roseland$2,690
Jonesboro$2,553Fordoche$2,742
Kaplan$2,713Start$2,499
Richwood$2,747Lydia$2,700
Church Point$2,687Cotton Valley$2,488
Winnfield$2,690Choctaw$2,519
Amite $2,729Morse$2,539
Arabi$2,553Catahoula$2,747
Bayou Vista$2,519Campti$2,564
Ball$2,700Boyce$2,687
Vidalia$2,488Leonville$2,747
Bunkie$2,687Washington$2,726
Farmerville$2,499Anacoco$2,553
Franklinton$2,742Choudrant$2,713
Brownsville$2,747Oil City$2,519
Vivian$2,729Maringouin$2,488
Rayville$2,747Folsom$2,700
Jena$2,564Slaughter$2,729
Vacherie$2,519Dubach$2,690
Haughton$2,539Simsboro$2,594
Ferriday$2,703Krotz Springs$2,499
Gramercy$2,726Lecompte$2,488
Vinton$2,553Plain Dealing$2,687
Grand Point$2,488Marion$2,714
Hahnville$2,700Wallace Ridge$2,553
Lutcher$2,710French Settlement$2,519
Welsh$2,690Estherwood$2,499
Iowa$2,488St. Joseph$2,564
Greenwood$2,553Epps$2,687
Mamou$2,519Moreauville$2,539
DeQuincy$2,499Reddell$2,488
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Minimum Requirements for Louisiana Car Insurance

Louisiana drivers must have a minimum amount of liability insurance requirements in their insurance policies to follow state laws and drive legally 

Liability insuranceState minimum requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$25,000 per accident
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AutoInsureSavings.org licensed agents recommend getting higher liability limits of bodily injury liability and property damage liability coverage to cover your assets in the event of an accident. 

Our agents recommend most Louisiana drivers carry full coverage with comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance to protect their vehicle in an unforeseen car accident.

Frequently Asked Questions

Who has the Cheapest Auto Insurance in Louisiana?

Louisiana Farm Bureau for minimum coverage auto insurance. Farm Bureau offers some of the best insurance industry rates, with a $518 per year rate for a 30-year-old driver in Louisiana. State Farm at $984 per year and Progressive at $1,045 per year are two other car insurers offering the best rates for drivers needing minimum coverage in Louisiana. The average cost of Louisiana auto insurance is $1,108 per year for state minimum coverage. 

Because insurance rates are based on various factors such as vehicle type and credit score, it is best to compare multiple providers’ rates to determine who has the cheapest coverage in Louisiana for you.

How Much is Car Insurance in Louisiana per Month?

The average rate for Louisiana auto insurance is $232 per month for a driver who is 30 years old and has full coverage. That is $2,786 per year. Here are some totals for the average monthly car insurance rate for drivers in Louisiana: State Farm: $154 per month, State Farm: $193 per month, and Progressive: $211 per month.

How Much Is Full Coverage Car Insurance in Louisiana?

The average cost of full coverage car insurance in Louisiana is $2,786 per year or $232 per month. Farm Bureau’s best rate for full coverage is $1,856 per year or $154 per month for a 30-year-old male driver with a good driving record. State Farm’s rate is $2,326 per year, and Progressive’s rate is $2,537 per year, and both are below the state average rates. 

How do I Save on Auto Insurance in Louisiana?

There are several things drivers in Louisiana can do to save money on their car insurance costs. We suggest asking your insurance agent about any car insurance discounts you may be eligible for. If you are looking for a new provider, it is best to find one that offers a driving discount to help you save even more. Find out if you are eligible for telematics or usage-based insurance, such as Progressive’s Snapshot program, where you could save as much as $145 per year on your auto insurance premium at renewal. 

The car you drive also plays a significant role in your rates, plus driving history and credit rating. Therefore, practicing safe driving habits by maintaining good driving records and keeping a close eye on your credit cards and credit report can lower your car insurance rates.

To help you find the right and affordable car insurance options in Louisiana, contact the insurance experts at AutoInsureSavings.org. The best way is to get started and enter your zip code. Our expert advice will help you find the best answer to any questions you have.

Methodology

AutoInsureSavings.org collects hundreds of quotes in Louisiana across various zip codes from the largest insurance companies via Quadrant Information Services. Our sample driver profile is a 30-year-old driving a 2018 Honda Accord with good credit. We used a full coverage car insurance policy unless otherwise stated with the following coverage limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Personal injury protection$10,000
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible
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When AutoInsureSavings.org quotes a driver with a minimum coverage auto policy, we used the minimum liability coverage per Louisiana insurance regulations. We used credit score, marital status, driving history, and accident history for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your rates may vary by zip code when you get quotes.

Sources

– Louisiana Department of Insurance. “Consumer’s Guide to Auto Insurance.”
– National Highway Traffic Safety Administration. “Traffic Safety Facts.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Experian. “2019 Consumer Credit Review.”
– Louisiana Department of Insurance. “Auto Comparison Guide.”