Cheapest Car Insurance Quotes in Louisiana (2025)
Farm Bureau has the best cheap car insurance in Louisiana, at $145 per month for full coverage.
Find Cheap Auto Insurance Quotes in Louisiana
Best cheap car insurance in Louisiana
How we chose the top companies
Best and cheapest car insurance in Louisiana
- Cheapest full coverage: Farm Bureau, $145/mo
- Cheapest minimum liability: Farm Bureau, $58/mo
- Cheapest for young drivers: Farm Bureau, $149/mo
- Cheapest after a ticket: Farm Bureau, $164/mo
- Cheapest after an accident: Farm Bureau, $185/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Farm Bureau, $175/mo
- Cheapest after a DUI: Farm Bureau, $192/mo
- Cheapest for poor credit: Allstate, $248/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Farm Bureau has great customer service and affordable rates in Louisiana. But, Farm Bureau doesn't offer online quotes. You need to work with a local agent to compare rates.
State Farm is the cheapest option for Louisiana drivers looking to quickly get a quote and buy a policy online. However, State Farm tends to be much more expensive than Farm Bureau. So it may be worth taking the time to contact an agent to compare rates from both companies.
Cheapest car insurance in Louisiana: Farm Bureau
Farm Bureau offers the cheapest full coverage car insurance in Louisiana.
At $145 per month, full coverage from Louisiana Farm Bureau is $104 per month less than the state average. The average cost of car insurance in Louisiana is $249 per month for a full coverage policy.
Find Cheap Auto Insurance Quotes in Louisiana
USAA also has very affordable rates for drivers that qualify. Its average price for full coverage is $188 per month.
Best cheap full coverage insurance in Louisiana
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $145 |
| State Farm | $224 |
| Allstate | $248 |
| Progressive | $287 |
| Safeway | $289 |
*USAA is only available to current and former military members and their families.
Geico is one of the most affordable insurance companies in most states and often seen as a cheaper alternative, but its rates in Louisiana are expensive. The company's average rate of $362 per month for full coverage auto insurance is $113 per month higher than the state average.
Cheapest liability car insurance in Louisiana: Farm Bureau
Farm Bureau has the best cheap minimum liability insurance in Louisiana.
Farm Bureau charges just $58 per month for minimum liability insurance, on average. That's $29 per month less than the Louisiana average, which is $87 per month.
Cheapest minimum coverage car insurance in Louisiana
Company | Monthly rate |
|---|---|
| Farm Bureau | $58 |
| State Farm | $77 |
| Progressive | $79 |
| Allstate | $83 |
| Geico | $106 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Louisiana
Cheap insurance in Louisiana for young drivers: Farm Bureau
Louisiana Farm Bureau is the cheapest option for teens.
A minimum liability policy from Farm Bureau costs around $149 per month for an 18-year-old driver. That's $132 per month less than the Louisiana average.
Farm Bureau has excellent prices for teens who need full coverage insurance. Its rates are much less than half the state average, which is $747 per month.
Cheapest auto insurance quotes in Louisiana for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $149 | $281 |
| State Farm | $269 | $645 |
| Geico | $278 | $879 |
| Allstate | $281 | $749 |
| Safeway | $359 | $697 |
*USAA is only available to current and former military members and their families.
An 18-year-old driver in Louisiana pays three times as much for car insurance as a 30-year-old driver. Younger drivers pay much more for car insurance because they don't have as much experience behind the wheel. This means they're typically more likely to get into accidents.
The best way for a young driver to save money on car insurance is to share a policy with an older driver, like a parent or sibling. A shared policy is typically much less expensive than buying a policy by yourself.
Cheapest insurance in Louisiana after a speeding ticket: Farm Bureau
Farm Bureau has the most affordable insurance quotes in Louisiana for people with a recent speeding ticket. A full coverage policy from Farm Bureau costs $164 per month after a single speeding ticket. That's $142 per month cheaper than the state average.
Affordable auto insurance in Louisiana after a ticket
Company | Monthly rate |
|---|---|
| Farm Bureau | $164 |
| State Farm | $239 |
| Safeway | $296 |
| Allstate | $321 |
| Progressive | $370 |
*USAA is only available to current and former military members and their families.
Car insurance rates in Louisiana go up by an average of 23% after a single speeding ticket. That's an average increase of $57 per month for a full coverage policy.
Cheap car insurance quotes in Louisiana after an accident: Farm Bureau
Farm Bureau offers the cheapest quotes for Louisiana after an accident. At $185 per month, a full coverage policy from Farm Bureau costs $165 less than the Louisiana average.
Low cost car insurance in Louisiana after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $185 |
| State Farm | $224 |
| Safeway | $358 |
| Allstate | $378 |
| Progressive | $463 |
*USAA is only available to current and former military members and their families.
Drivers in Louisiana with an accident on their record pay 41% more for car insurance than those with a clean record.
You don't have to worry about switching car insurance companies right away after an accident. Your rates won't go up until your current policy is up for renewal. But, any quotes you get beforehand will probably be higher than what you're paying now.
Instead, wait until you get your current company to send the renewal notice with your new rates. Then, you should get quotes from multiple companies to find the best price.
Cheapest in Louisiana for teens with a ticket or accident: Farm Bureau
Farm Bureau is the best insurance company for young drivers with a speeding ticket or accident on their record.
Farm Bureau charges teens around $175 per month for a minimum liability policy after one ticket. That's half the Louisiana average, which is $350 per month.
After an accident, minimum liability insurance from Farm Bureau costs $195 per month for an 18-year-old driver. That's $184 per month less than the state average.
Affordable quotes for Louisiana teens after a ticket or crash
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $175 | $195 |
| State Farm | $294 | $269 |
| Allstate | $372 | $456 |
| Safeway | $377 | $465 |
| Geico | $455 | $410 |
*USAA is only available to current and former military members and their families.
On average, car insurance quotes in Louisiana go up by 25% for young drivers after a single speeding ticket. And a recent accident will raise your rates by around 35%.
Cheapest Louisiana car insurance quotes after a DUI: Farm Bureau
Farm Bureau is the cheapest company for Louisiana drivers with a DUI citation. At $192 per month, full coverage from Farm Bureau is less than half the average rate for DUI insurance in Louisiana.
Cheap DUI car insurance in Louisiana
Company | Monthly rate |
|---|---|
| Farm Bureau | $192 |
| Allstate | $321 |
| Progressive | $323 |
| Safeway | $382 |
| State Farm | $527 |
*USAA is only available to current and former military members and their families.
A DUI or DWI in Louisiana will raise your rates by an average of 65%.
In addition, Louisiana drivers may need SR-22 insurance after a DUI. Insurance companies typically charge between $15 and $50 to file an SR-22 form on your behalf. That's on top of any increase in your car insurance rates.
Cheap car insurance in Louisiana for drivers with poor credit: Allstate
Allstate has the most affordable quotes for Louisiana drivers with bad credit. A full coverage policy from Allstate costs around $248 per month, which is $213 per month cheaper than average.
Best affordable car insurance for bad credit
Company | Monthly rate |
|---|---|
| Allstate | $248 |
| Farm Bureau | $259 |
| Safeway | $289 |
| Progressive | $494 |
| Geico | $544 |
*USAA is only available to current and former military members and their families.
Your credit score doesn't affect your ability to drive safely. But insurance companies believe that drivers with poor credit are more likely to make a claim. As a result, drivers with bad credit pay 85% more for car insurance in Louisiana than those with good credit.
Best car insurance in Louisiana
USAA has the best-rated auto insurance in Louisiana.
USAA has a reputation for excellent customer service. It also offers affordable car insurance quotes in Louisiana. However, USAA car insurance is only available to military members, veterans and their families.
Farm Bureau and State Farm are the best choices for drivers who can't get USAA. Both companies offer reliable customer service, but Farm Bureau typically has cheaper rates.
Top insurance companies in Louisiana
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| Farm Bureau | 673 | A | |
| State Farm | 657 | A++ | |
| Geico | 637 | A++ | |
| Allstate | 635 | A+ |
Average car insurance cost in Louisiana by city
Drivers in Hornbeck have the cheapest auto insurance in Louisiana, while New Orleans residents pay the most.
People living in Hornbeck, a small town near the Texas border, pay around $192 per month for a full coverage policy.
Auto insurance in New Orleans costs almost twice as much, at $395 per month. Car insurance rates are generally more expensive in larger cities, where there's more traffic and car theft.
Full coverage car insurance quotes in Louisiana by city
City | Monthly Rate | % from average |
|---|---|---|
| Abbeville | $240 | -3% |
| Abita Springs | $246 | 0% |
| Acme | $240 | -3% |
| Addis | $289 | 17% |
| Aimwell | $224 | -9% |
Louisiana auto insurance minimum requirements
In Louisiana, the law requires you to have a minimum of 15/30/25 of liability insurance to register and drive a car. This helps pay for injuries to others or damage to their property after an accident you cause.
The minimum limits required in Louisiana are:
- Bodily injury liability: $15,000 per person and $30,000 per accident
- Property damage liability: $25,000
What's the best car insurance to get in Louisiana?
Full coverage car insurance is the best choice for most people in Louisiana.
That's because full coverage insurance protects your car from damage with collision and comprehensive insurance.
- Collision insurance pays for damage after a crash with another object — like a car, building or pole — regardless of whose fault it is.
- Comprehensive insurance pays for damage outside of your control, like hail, vandalism or theft.
If you have a car loan or lease, your lender probably requires that you have collision and comprehensive coverage. These coverages are also a good idea if your car is less than eight years old or worth more than $5,000.
Full coverage also typically has higher liability limits than the minimum requirement. In Louisiana, the minimum requirement is fairly low, so it's unlikely that it will cover the full cost of a major accident.
For example, if you crash into a brand-new car, $25,000 probably won't be enough money to replace it. If you have minimum liability insurance, you'll have to pay the difference out of pocket.
Frequently asked questions
Who has the cheapest car insurance in Louisiana?
Farm Bureau has the cheapest car insurance quotes in Louisiana, at $145 per month for full coverage and $58 per month for minimum liability coverage.
How much is car insurance in Louisiana per month?
The average rate for car insurance in Louisiana is $249 per month for a full coverage policy and $87 per month for a minimum liability policy.
Is auto insurance cheaper in Texas or Louisiana?
Full coverage car insurance in Louisiana is $30 per month more expensive than the same coverage in Texas. Minimum liability coverage is also $3 per month more in Louisiana, despite Louisiana requiring less coverage.
Why is car insurance so expensive in Louisiana?
Louisiana is the fourth-most expensive state in the country for a full coverage policy, with an average rate of $249 per month. Louisiana car insurance is expensive for many reasons, including a high number of accidents and auto-related lawsuits in the state.
How much is car insurance in New Orleans?
A full coverage car insurance policy in New Orleans costs $395 per month, which makes it the most expensive city in the state for car insurance. By comparison, auto insurance in Baton Rouge costs an average of $305 per month. These large cities typically have higher rates due to increased traffic and car theft.
Methodology
To find the best auto insurance in Louisiana, ValuePenguin collected thousands of rates from ZIP codes across the state from largest insurance companies. Rates are for a 30-year-old man with good credit who owns a 2015 Honda Civic EX.
Quotes are for a full coverage policy with collision, comprehensive and higher liability limits than the state minimums.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.