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Louisiana Affordable Car Insurance & Minimum Requirements, plus Best Insurers by Rate & Age

Based on your age, location, and driving history in Louisiana the cheapest auto insurance companies overall are Southern Farm Bureau, Progressive, and GEICO.

All three carriers are from 23% to 36% cheaper than other carriers for drivers from 25 to 55 years of age.

Other insurers you would want to put on your bucket list to get quotes are State Auto, State Farm, and Allstate.

Again, depending your driving history and location, you should be able to find quotes from 14% to 23% lower than other carriers for drivers of the same age and profile.

Two other insurance companies which do well are MetLife and Travelers.

Both carriers are well worth getting quotes from since they can average from 9% to 21% cheaper than comparable quotes offered by other insurers.

It would be wise to put all 8 carriers on your list of quotes.

While each quote can be location dependent any of the previously mentioned carriers can offer low rates for drivers.

In this article we are going to cover the minimum coverage requirements, the least expensive carriers by price, and a few cost-saving strategies to help you save on your premium over the long term.

If you would like to skip to a certain portion of the article please use the table of contents down a little and to the right.

Louisiana Minimum Car Insurance Requirements

Louisiana requires each motorist carries an absolute minimum liability policy for their car to cover damages to the other person’s property and any hospital bills they suffer from the accident.

The minimum requirements for bodily injury liability and property damage liability in the state of Louisiana are 15,000/30,000/25,000.

CoverageLouisiana Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$15,000 / $30,000$15,000 / $30,000
Property Damage$25,000$25,000
Uninsured Motorist Coverage*Optional$10,000 / $20,000
Underinsured Motorist Coverage*(Optional)Combined with Uninsured Motorist
Medical PaymentsOptional$5,000 limit
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

*Coverages can be rejected.

Bodily Injury Liability

In the event the insured party is held answerable for the accident, bodily injury liability covers the hospital charges for passengers in the other automobile.

If the minimum coverage is purchased the insurance firm will pay $15,000 for a single person up to $30,000 for all passengers concerned in the accident.

Louisiana cheapest premium choices for a 25 year old.

Note: The average premium for a 25 y/o in Louisiana is over $3,000 per year. The least expensive illustrated is Southern Farm Bureau at $2,554 for full coverage. For more details please see rate table below.

Property Damage Liability

This insurance covers damages to the other person’s automobile as well as public or private property which might have been concerned in the accident.

Under minimum coverage the insurer will pay up to $25,000 to cover losses sustained in the accident.

Lowest premium options by carrier for a 30 year old.

Note: The lowest carriers we queried are Southern Farm Bureau, Progressive, and GEICO for a 30 year old. All three carriers are 18% lower than the average premium.

Cheap Auto Insurance in Louisiana by Age

Below is a list of 12 reputable insurance companies for drivers from 25 to 55 years of age.

Depending on your location and previous driving history, the cheapest auto insurance companies overall are going to be with Southern Farm Bureau, Progressive, and GEICO.

Southern Farm Bureau is able to offer quotes from 24% to 36% lower than the median rate consistently throughout Louisiana.

Progressive and GEICO and equally competitive for any driver with a good driving history.

At times, Progressive and GEICO offer lower quotes than Southern Farm Bureau. Particularly for older drivers.

Other insurers you would want to get quotes from are State Auto, State Farm, and Allstate.

State Auto is able to offer quotes from 21% to 30% lower than the median rate for drivers of similar age and profile.

And location dependent State Auto is as competitive as GEICO or Progressive.

State Farm and Allstate offer quotes from 14% to 23% lower than the median rate.

Each should be on your list to get quotes since either State Farm or Allstate may offer quotes near 30% lower depending on your age and driving history.

Two other carriers which “fly under the radar”, but are well worth getting quotes from, are MetLife and Travelers.

Although MetLife and Travelers normally do not offer quotes as low as Southern Farm Bureau or Progressive, each carrier can offer you a premium from 9% to 21% lower than the median quote.

Another company to get quotes from is Louisiana Farm Bureau.

They do not offer the lowest quotes, however, the consumer rating is excellent. Particularly for claims service.

With the list of 9 carriers you have a blend of regional and national companies to help you find the cheapest auto insurance rate possible.

Louisiana CompanyAverage Rate 25 Y/O Driver30 Y/O Driver35 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
Southern Farm Bureau$2,554$1,844$1,576$1,187$899$711
Progressive$2,667$1,890$1,587$1,190$943$765
GEICO$2,689$1,955$1,687$1,244$986$854
State Auto$2,705$1,958$1,688$1,376$990$876
State Farm$2,744$1,998$1,721$1,299$1,054$860
Allstate$2,805$2,076$1,744$1,387$1,098$923
MetLife$2,846$2,088$1,766$1,453$1,076$879
Travelers$2,919$2,243$1,789$1,532$1,143$987
Nationwide$3,033$2,280$1,800$1,476$1,158$990
Encompass$3,076$2,347$1,832$1,487$1,165$954
Liberty Mutual$3,132$2,476$1,845$1,432$1,230$943

Least expensive auto insurance for a 35 year old.

Note: As illustrated, a 35 y/o driver can find cheaper premiums with Southern Farm Bureau and Progressive. Both are under $1,600 per year for full coverage.

Lapse of Insurance & Reinstatement Fees

If you have a lapse in your insurance in the state of Louisiana then you may be required to pay the following fees to reinstate your license:

  • 1 to 10 days uninsured – fee: $0

  • 11 to 20 days uninsured – fee: $50.00

  • 31 – 90 days uninsured – fee: $125.00

  • Over 90 days uninsured – fee: $225.00

LA lowest premium options for a 40 year old.

Filing of “Non-Use” to OMV

An important thing to realize in the State of Louisiana is if you are not going to be using your vehicle you cannot simply let your insurance lapse.

You are required to file a statement of “non-use” to the office of motor vehicles (OMV) and you have to submit it ten days before the insurance lapses.

The other option is to bring your license plate to OMV and you will not incur any fees to reinstate your license.

Comparing cheap auto premiums for a 45 year old.

Tort Law Claims in the State

Louisiana is following tort law with respect to car insurance and people who are hurt in an auto accident which was not their fault have rights to bring the at-fault driver to court.

Louisiana has mandated drivers have at least liability coverage to mitigate the amounts of lawsuits and/or court claims.

Showing affordable premium choices for a 55 y/o driver.

Reporting System in Use for Uninsured Drivers

Another important fact, the state is using a reporting system with the insurers and brokers to track down those that are uninsured which has been effective in Bossier City, Crowley, and Morgan City. 

Even if you are not driving your vehicle, you could receive a letter in the mail stating you are uninsured then the applicable fees above will apply if you want to reinstate your policy.

Best Insurer by Rate Change, Complaints, & Consumer Rating

Below is a list of 15 top insurance companies in Louisiana by written premiums, rate change over a 12 to 18 month period, complaints, and consumer rating.

The statistics most important to you are the rate change, complaints, and consumer rating.

The rate change average in Louisiana for most insurers is approximately 3%.

However, there have been reports of some insurers increasing drivers premium by 6% to 10% depending on location.

The data is inconclusive and some experts think it has something to with the high volume of claims filed in Louisiana from hurricanes, etc.

If perhaps you get a traffic violation your rate can increase significantly.

Depending on the violation the increase in premium can be for several years.

The number of complaints for each carrier is minimal. Nothing is out of the ordinary.

Data compiled for the table is from III.org, JD Power & Associates, and AM Best.

Consumer rating data is compile from reputable online sources to get an average.

Louisiana CompanyPremiumsRate Change < 18 Months# of ComplaintsConsumer Rating out of 5 Stars
Safeco$55,881,479+2.7%23.9
MetLife$65,688,047+2.7%74.0
Nationwide$83,314,800+2.6%34.2
Liberty Mutual$65,319,534+2.2%04.4
Safeway$41,883,591+2.8%23.8
Louisiana Farm Bureau$104,923,744 +2.8%23.8
State Farm$771,483,303 +3.5%184.4
USAA$95,458,451+2.8%64.5
American Family$89,761,971+2.8%74.2
Progressive$267,698,586+2.4%94.4
Affirmative$75,854,328+2.9%213.9
Allstate$222,963,723 +3.4%64.4
Farmers$87,959,120+2.7%24.3
GEICO$175,118,333 +3.1%54.5
Encompass$95,678,893+3.1%73.8

Comprehensive & Collision Coverage Options

It is recommended in the state to carry comprehensive and collision coverage because of the location, particularly in larger cities such as New Orleans, La Place, and Metairie.

The state is know for hurricanes and heavy rains which may damage your vehicle and “non-collision” or comprehensive will cover the damages.

If you have an unforeseen accident with another vehicle, then collision coverage is going to cover the damages until the insurer will determine who is at-fault.

Average Rate by City in Louisiana

Location is a primary factor for insurance companies when determining your premium.

Below is a list of 27 moderately sized cities in Louisiana with the average premium.

In Louisiana the price fluctuation varies wildly from $1,698 to $3,200 per year.

Therefore your location is going to be a major part in the amount you pay for auto insurance in Louisiana.

If perhaps your quotes are significantly higher than those listed below you may be a young driver, have poor driving history, or poor credit.

When you shopping for a premium in expensive states like Louisiana your best option is maintain good driving history and get quotes from 5 or more carriers.

Then keep your premium up to date year by year.

Plus inform the carrier of change of location or driving status.

If you would like detailed comparison of quotes for largely populated cities please read further below.

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Alexandria$1,98747,832Galliano$2,4877,356Opelousas$1,84216,541
Amite$2,4114,429Houma$1,74334,024Plaquemine$1,8006,780
Arcadia$1,9032,875Kenner$2,68967,089Ponchatoula$1,94614,480
Bastrop$2,13510,578Kentwood$2,5192,377Ruston$2,0767,209
Benton$1,9032,060La Place$1,94028,845Slidell$2,00828,013
Boyce$1,8751,008Minden$1,83212,577Sulphur$1,75520,272
Crowley$1,87713,060Napoleonville$2,043633Thibodaux$1,95014,610
DeRidder$2,05411,048Natchitoches$1,79818,319West Monroe$1,95512,922
DeQuincy$1,6983,152New Iberia$,185430,386Zachary$1,72216,760

New Orleans, LA

New Orleans, LA cheapest insurance choices for a 30 and 45 y/o

Auto premiums are extremely high in New Orleans.

To find quotes with 30% in savings start with Southern Farm Bureau, Progressive, and GEICO.

Each queried at $2,411, $2,489, and $2,587 for a 30 year old driver with full coverage.

All three carriers are 30% cheaper than the city “mean” rate of $3,234.

For a 45 year old driver the lowest quotes are from the same carriers.

Southern Farm Bureau ($1,799), Progressive ($1,854), and GEICO ($1,903) which all are 45% lower than the citywide average.

State Auto and State Farm are approximately $200 more expensive.

A driver looking for savings should get quotes from all carriers illustrated.

Out of the 7 carriers queried the most expensive is MetLife at $3,433 for a 30 year old and $2,290 for a 45 year old driver.

About 3% higher than the “mean” rate.

New Orleans Company30 Y/O Driver45 Y/O Driver
Southern Farm Bureau$2,411$1,799
Progressive$2,489$1,854
GEICO$2,587$1,903
State Auto$2,766$1,965
State Farm$2,900$2,065
Allstate$3,087$2,122
MetLife$3,433$2,290

New Orleans is the largest city in the state with 400,000 residents. 

The city was founded in 1718 and named for the regent of France, Philippe II, duc d’Orleans.

Eventually is was sold to the US by France as part of the Louisiana Purchase of 1803. 

Today, the blending of French, Spanish and African influences created the Creole society and cuisine for which New Orleans is famous.

Baton Rouge, LA

Baton Rouge affordable car premium options for a 30 and 45 y/o.

To find inexpensive quotes start with Southern Farm Bureau which we queried at $2,121 for a 30 year old driver.

Which is 29% lower than the “mean” rate of $2,754. Progressive is only $68 more at $2,189 or 28% lower than the citywide average rate.

We queried GEICO approximately 24% lower than the average rate at $2,321.

For a 45 year old driver the cheapest quotes are with Southern Farm Bureau, Progressive, and GEICO.

Each queried at $1,432, $1,531, and $1,589 for full coverage and 43% lower than the “mean” rate.

Out of the 7 insurers queried the most expensive is Allstate at $2,621 for a 30 year old and $2,021 for a 45 year old.

Or at least 4% lower than the average premium within Baton Rouge.

Baton Rouge Company30 Y/O Driver45 Y/O Driver
Southern Farm Bureau$2,121$1,432
Progressive$2,189$1,531
GEICO$2,321$1,589
State Farm$2,450$1,620
MetLife$2,563$1,644
State Auto$2,589$1,722
Allstate$2,621$2,021

Baton Rouge is the second largest city in the state with nearly 230,000 residents. 

The city’s name is French for “Red Stick,” and is most likely derived from the writings of early French explorers. 

The city is alive with a large variety of activities that make it an ideal place for tourists to visit.

Riverfront casinos, Cajun-Creole restaurants, and lively nightclubs combine with old plantation homes, historic governmental buildings, museums, and performing arts centers to give a visitor a wide choice of attractions to relish.

Shreveport, LA

Shreveport cheap premium choices for a 30 and 45 year old.

The average rate in Shreveport is over $2,000 per year.

We found 5 carriers which are 10% to 18% lower than the “mean” rate.

The lowest is Progressive at $1,621 with full coverage for a 30 year old. Which is about 18% lower than the citywide “mean” quote.

Southern Farm Bureau and GEICO should be on your list to get quotes from since both carriers are at least 10% lower than the “mean” premium rate.

For a 45 year old driver we found the least expensive with Progressive at $1,044 for full coverage.

Followed by Southern Farm Bureau at $1,098, then GEICO at $1,127.

Progressive is 48% cheaper than the “mean” quote while Southern Farm Bureau and GEICO are each 46% and 40% lower respectfully.

Shreveport Company30 Y/O Driver45 Y/O Driver
Progressive$1,621$1,044
Southern Farm Bureau$1,689$1,098
GEICO$1,755$1,127
MetLife$1,780$1,244
State Farm$1,843$1,287
State Auto$1,890$1,300
Allstate$2,043$1,455

With 200,000 residents, Shreveport was founded in 1836 by the Shreve Town Company.

The city is also renowned for its historic landmarks.

One such is The McNeill Street Pumping Station a waterworks dating back to 1887 which is still operational today. 

A more recent tourist attraction is Bossier City’s expansive Louisiana Boardwalk, a huge shopping and entertainment complex.

Lafayette, LA

Lafayette, LA lowest premium prices for a 30 and 45 year old.

Drivers can get the cheapest premiums in Lafayette by getting quotes from Southern Farm Bureau, Progressive, and GEICO.

Each queried at $1,867, $1,943, $2,033 respectfully for a 30 year old driver.

All three carriers are 22% lower than the “mean” rate of $2,519.

For a 45 year old driver the cheapest premiums are with Southern Farm Bureau, Progressive, and GEICO.

Each queried at $1,190, $1,267, and $1,290 for full coverage.

All three are at least 48% lower than the citywide average premium.

Out of the 7 carriers we queried the most expensive is State Farm at $2,476 for a 30 year old and $1,754 for a 45 year old.

About 1% and 22% lower than the “mean” rate of Lafayette.

Lafayette Company30 Y/O Driver45 Y/O Driver
Southern Farm Bureau$1,867$1,190
Progressive$1,943$1,267
GEICO$2,033$1,290
State Auto$2,095$1,377
MetLife$2,176$1,476
Allstate$2,311$1,598
State Farm$2,476$1,754

Lafayette is the 4th largest city in the state with 128,000 residents. The region has long and colorful history going back to 1541.

Attracted by outdoor enthusiasts, “Sportmans Paradise” has bayous and swamps which are great places for canoe rides and the fishing.

Tourist from all over the world are attracted to the wonderful Cajun food of this region. 

The city has a thriving arts community, consisting of theater, visual arts, and music.

Lake Charles, LA

Lake Charles, LA affordable premium prices for a 30 and 45 year old.

If you want to find the cheapest auto insurance in Lake Charles then get quotes from Progressive, Southern Farm Bureau, and GEICO.

Each queried at $1,820, $1,880, and $1,976 with full coverage for a 30 year old.

Which is 24% lower than the “mean” rate of $2,400 per year. State Auto is $200 more than the cheapest carrier queried at $2,069.

For a 45 year old driver the lowest premium is Progressive at $1,211 for full coverage.

Which is nearly 50% cheaper than the citywide average premium.

Southern Farm Bureau is over $140 more at $1,354. GEICO is $200 more than Progressive at $1,432.

Lake Charles Company 30 Y/O Driver45 Y/O Driver
Progressive$1,820$1,211
Southern Farm Bureau$1,880$1,354
GEICO$1,976$1,432
State Auto$2,069$1,544
State Farm$2,132$1,587
MetLife$2,342$1,648
Allstate$2,476$1,865

Lake Charles is known as “The festival capital of Louisiana” due to hosting more that one hundred festivals and carnivals.

Tourists from all over the world are attracted to the gambling, rhythm and blues music and excellent cuisine the city has to offer.

Bossier City, LA

Bossier City cheapest premium options for a 30 & 45 year old.

If you want the least expensive coverage then get quotes from Progressive, Southern Farm Bureau, and GEICO.

Each queried at $1,487, $1,547, and $1,643 per year for a 30 year old driver.

All three carriers are 21% lower than the citywide “mean” premium of $1,903.

A 45 year old driver can find cheap quotes with the same three carriers.

Progressive is the lowest at $985 for full coverage or 46% lower than the average premium.

Southern Farm Bureau we queried at $1,547 or 42% lower, while GEICO is $1,643 or 36% lower than the citywide premium price.

Out of the 7 carriers we queried the most expensive is Allstate at $1,860 for a 30 year old and $1,296 for a 45 year old.

Each queried at 7% and 16% cheaper than the “mean” rate in Bossier City.

Bossier City Company30 Y/O Driver45 Y/O Driver
Progressive$1,487$985
Southern Farm Bureau$1,547$1,047
GEICO$1,643$1,085
State Auto$1,689$1,143
MetLife$1,768$1,186
State Farm$1,798$1,246
Allstate$1,860$1,296

Bossier City is within the metropolitan area of Shreveport with 70,000 residents. 

Originally known as Bennett’s Bluff it was renamed Bossier City after incorporation as a city. 

The Shreveport – Bossier City metropolitan area is the center of the region known as the Ark-La-Tex.

Hammond, LA

Hammond, LA inexpensive premium choices for a 30 and 45 year old driver.

To get a lower monthly premium in Hammond start by getting quotes from Southern Farm Bureau, and Progressive, and GEICO.

Each queried at $1,876, $1,976, and $2,078 respectfully for a 30 year old.

With all three carriers you can find cheap coverage $400 per year  lower compared with the citywide “mean” rate of $2,487.

A 45 year old can find cheap quotes with Southern Farm Bureau at $1,133 or 50% lower than the average premium.

Progressive is $40 higher at $1,174 while GEICO is $130 higher than the lowest carrier at $1,263.

Progressive and GEICO are 45% lower than the average premium in Hammond.

Hammond Company30 Y/O Driver45 Y/O Driver
Southern Farm Bureau$1,876$1,133
Progressive$1,976$1,174
GEICO$2,078$1,263
State Auto$2,187$1,389
MetLife$2,277$1,508
State Farm$2,476$1,621
Allstate$2,698$1,897

Hammond is small community town with 20,000 residents. Known as the “Strawberry Capital” for being a major shipping point of strawberries.

The city is named after Swedish immigrant called Peter Hammond who settled the area in 1818.

Notable attractions in Hammond are the Hammond Historic District and the Lake Pontchartrain Basin Maritime Museum.

Resources & Office of Motor Vehicles Information
Department of InsuranceDepartment of TransportationOffice of Motor Vehicles
1702 N 3rd St, Baton Rouge, LA 70802
(225) 342-5900
1201 Capitol Access Rd, Baton Rouge, LA 70802
(877) 452-3683
3241 NW Evangeline Throughway, Lafayette, LA 70507
(337) 896-8121
WebsiteWebsiteWebsite
Final Thoughts

If you are paying higher than the state average for car insurance then you can use the comparison system to compare rates of insurers in your area.

It takes only a couple of minutes and you could find the cheapest auto insurance which may save hundreds of dollars.

Sources

https://www.usa.gov

https://www.ldi.la.gov/docs

http://www.ldi.la.gov/consumers

https://www.farmers.com/louisiana/

https://www.lafarmbureau.com

https://www.geico.com/

Greg Fowler
Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

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