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Best Cheap Car Insurance In Louisiana

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09/14/2023 05:12 PM

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Buying an affordable auto insurance policy in Louisiana can seem impossible, as it was ranked the most expensive state in the nation for auto insurance coverage. Fortunately, we’ve done the research for you and have found the best cheap car insurance in Louisiana for good drivers, young drivers, and drivers with flawed driving records or low credit scores.

Though our team has named the best car insurance companies in Louisiana and nationwide, it’s important to weigh your options when shopping around. We strongly suggest you compare auto insurance quotes from providers that offer coverage throughout Louisiana to find the best rate and coverage for you.

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Cheap Car Insurance In Louisiana

Louisiana notably has some of the highest rates for car insurance compared to every other state. However, there are some providers that offer affordable average rates below $2,000 a year, such as Southern Farm Bureau and USAA.

Auto Insurance Provider Estimated Annual Cost
Southern Farm Bureau $1,482
USAA $1,728
State Farm $2,146
Progressive $2,944
Safeway $3,281
Allstate $3,344
Auto Club $4,680

How Much Is Auto Insurance In Louisiana?

The average cost for full coverage insurance in Louisiana is $3,867 per year. This is more than twice the national average, which is $1,732 per year. According to the National Association of Insurance Commissioners (NAIC), Louisiana is the most expensive state for auto insurance in the country.

Though car insurance rates in Louisiana are quite costly, you can more than likely save hundreds on coverage if you have a clean driving record and a good credit score. There are several other factors that can play a role in how much you pay, such as your:

  • Age
  • Gender
  • Marital status
  • Location
  • Vehicle type
  • Type of coverage

Cheapest Louisiana Car Insurance For Young Drivers

Young drivers below the age of 25 can have a tough time getting inexpensive car insurance coverage. According to our rate estimates, young adult and teen drivers in Louisiana can likely get full coverage car insurance rates under $2,800 from Southern Farm Bureau, USAA, and State Farm.

Auto Insurance Provider Estimated Annual Cost
Southern Farm Bureau $2,253
USAA $2,320
State Farm $2,762
Allstate $4,309
Progressive $4,376

Cheapest Louisiana Car Insurance For Drivers With Speeding Tickets

Southern Farm Bureau offers the lowest average cost–$1,664 a year–for those with speeding tickets. A bad driving record can cause your car insurance rates to skyrocket in comparison to Louisiana drivers who have no speeding tickets or other recent citations on their records.

Auto Insurance Provider Estimated Annual Cost
Southern Farm Bureau $1,664
USAA $2,200
State Farm $2,307
Safeway $3,356
Allstate $3,943

Cheapest Louisiana Car Insurance For Drivers With Recent Accidents

Louisiana drivers with recent car accidents on their records will start to see their car insurance rates increase drastically. Southern Farm Bureau, State Farm, and USAA can be affordable choices for drivers in this situation.

Auto Insurance Provider Estimated Annual Cost
Southern Farm Bureau $1,873
State Farm $2,468
USAA $2,546
Safeway $4,040
Allstate $5,275

Cheapest Louisiana Car Insurance For Drivers With Bad Credit

Having a poor credit score can hinder your chances of getting the cheapest car insurance rates. But Louisiana drivers can expect to find more affordable rates from providers such as Southern Farm Bureau, USAA, and Safeway.

Auto Insurance Provider Estimated Annual Cost
Southern Farm Bureau $2,678
USAA $2,764
Safeway $3,281
Allstate $4,852
Progressive $5,608

Top 5 Auto Insurance Companies In Louisiana

There are many auto insurance providers to choose from in the state of Louisiana. Luckily, we’ve done the research on your behalf. Based on important factors such as cost, coverage, reliability, and customer service, we found that USAA, Progressive, State Farm, Allstate, and Southern Farm Bureau are the best options for Louisiana auto insurance coverage.

Best Car Insurance in Louisiana Overall Rating Cost Rating Coverage Rating
1. USAA Car Insurance 5.0 5.0 4.5
2. Progressive Car Insurance 4.5 4.5 4.5
3. State Farm Car Insurance 4.5 4.5 4.0
4. Allstate Car Insurance 4.0 3.5 4.5
5. Southern Farm Bureau Car Insurance 3.5 3.5 3.0

*Our research team scores car insurance companies by taking nationwide factors into account. The order of insurers in this table is specific to auto insurance in Louisiana.

#1 USAA: Best For Military Members

We believe USAA is the best choice for car insurance in Louisiana. The provider offers affordable rates for Louisiana drivers who qualify for coverage, which includes only military members, veterans, and their immediate family members. USAA also has excellent industry ratings, as it holds an A+ rating from the Better Business Bureau (BBB) and an A++ financial strength rating from AM Best.

In the J.D. Power 2021 U.S. Auto Insurance Study℠, USAA received the highest customer satisfaction score in the Southeast region. Those who qualify for USAA auto insurance coverage can take advantage of additional options such as gap insurance, roadside assistance, and accident forgiveness.

USAA Pros And Cons

Pros A+ rating from the BBB and A++ financial strength rating from AM Best High J.D. Power study scores Great additional coverage options
Cons Not all Louisiana drivers qualify for coverage

#2 Progressive: Best Usage-Based Insurance

In our research into the cheapest car insurance in Louisiana, we found that Progressive tends to provide the most affordable coverage for young drivers and drivers with poor credit.

Progressive has been around since 1937 and has a positive industry reputation. The company has an A+ rating from AM Best. However, it received below-average scores in the J.D. Power 2021 U.S. Insurance Shopping Study℠ and the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠.

Progressive auto insurance offers a wide range of discounts and programs, including homeowner, good student, and multi-policy discounts. Its usage-based Snapshot® program can save drivers over $100 per insurance term. You can also opt for extra coverage options such as rideshare coverage for Uber and Lyft drivers, roadside assistance, and classic car and custom parts coverage.

Progressive Pros And Cons

Pros A+ rating from AM Best Offers usage-based Snapshot® program Extra coverage options such as rideshare coverage and roadside assistance
Cons Below-average J.D. Power ratings Not affordable for bad Louisiana drivers

#3 State Farm: Best For Student Drivers

We rated State Farm–the largest insurance provider in the nation–as one of the best car insurance companies for Louisiana drivers based on its affordable pricing, strong industry reputation, and reliable claims service. State Farm has an A++ financial strength rating from AM Best and ranked sixth in the J.D. Power Auto Claims Satisfaction Study. 

The insurer is one of the most affordable choices for students in the state, as it offers good car insurance discount options that can save students up to 25% until they turn 25. Young Louisiana drivers under 25 can also participate in State Farm’s Steer Clear® program to save up to 20%.

State Farm Pros And Cons

Pros Affordable rates for student drivers Offers several discount programs A BBB rating and high customer satisfaction score in J.D. Power claims study
Cons Low customer review score from the BBB Not a wide range of coverage options

#4 Allstate: Best Local Agents

Allstate is one of our top recommendations for Louisiana drivers, as it provides exceptional value that many drivers agree is worth the cost. The insurance company offers standard auto insurance along with add-on options such as roadside coverage, rental reimbursement coverage, and more.

Allstate scored 870 out of a possible 1,000 points in the J.D. Power Auto Claims Satisfaction Study, which means its claims satisfaction scores are above the industry average.

The insurer is an especially good choice for those who value excellent nontraditional coverage at an affordable price point. Allstate has rideshare insurance coverage for policyholders who are Uber or Lyft drivers, as well as a safe driving program called Drivewise® that uses a mobile app to monitor and reward safe driving habits with auto insurance policy discounts.

Allstate Pros And Cons

Pros A+ financial strength rating from AM Best Offers extra coverage options such as accident forgiveness and deductible rewards Offers many discount opportunities
Cons Rates are higher than average

#5 Southern Farm Bureau

Our final pick for the best car insurance in Louisiana, Southern Farm Bureau offers some of the most affordable rates for drivers of varying profiles. Having been in business since 1947, the company has earned an A+ rating from the BBB and AM Best.

To get Southern Farm Bureau coverage in Louisiana, you have to become a member of the Farm Bureau in your region. Membership can cost between $30 and $70 per year. Members’ access to extra coverage options tends to vary by state, but options for Louisiana residents include rental car coverage, roadside assistance, and personal umbrella insurance.

Southern Farm Bureau Pros And Cons

Pros A+ rating from the BBB “Superior” A+ financial rating from AM Best Offers standard coverage with a good selection of extra coverage options
Cons No online quote tool; have to call an insurance agent

Louisiana Insurance Requirements

Under Louisiana insurance laws, drivers are only required to carry minimum liability coverage, which covers the cost of property damages or any personal injury for which you are found legally responsible after a car accident. Louisiana’s minimum liability auto insurance requirements include:

  • Bodily injury liability: $15,000 per person/$30,000 per accident
  • Property damage liability: $25,000 per accident

Though you must meet the state minimum coverage requirements, it’s important to consider full coverage auto insurance and/or additional coverage options, such as:

  • Collision coverage
  • Comprehensive coverage
  • Medical payments insurance (MedPay) 
  • Uninsured motorist/underinsured motorist coverage (UM/UIM)

How To Get Louisiana Car Insurance Quotes

Whether you’re just shopping around or you need to get car insurance coverage today, the best thing to do is to compare car insurance quotes from the best providers in the state.

USAA is our top recommendation for car insurance in Louisiana. Southern Farm Bureau, Progressive, State Farm, and Allstate are all great options as well. Keep in mind that each provider weighs factors in your driver profile differently, so you’ll find that auto insurance rates vary from one company to another.

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Frequently Asked Questions

How much is full coverage car insurance in Louisiana?

According to our rate estimates, the cost of full coverage car insurance from the cheapest providers in Louisiana ranges from $1,400 to $4,600 per year on average. If you have recent accidents, speeding tickets, or DUIs on your driving record, you can expect higher rates.

What is the minimum car insurance in Louisiana?

According to Louisiana law, drivers are required to carry minimum liability coverage in the amounts of $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $25,000 for vehicle and/or property damage.

Is Louisiana a no-fault state?

No, Louisiana is not a no-fault state, as it follows a fault-based system for collisions. If a Louisiana driver causes a car accident, they are responsible for any resulting damages and medical expenses for the other driver and/or passengers involved.

Is car insurance more expensive in New Orleans?

The average cost of full coverage car insurance in New Orleans is $5,471 per year, which is very expensive in comparison to the national average of $1,732. New Orleans auto insurance is 41 percent more expensive than the state average of $3,867 per year. We recommend you compare car insurance options from several providers to find the best rates.

Why are Louisiana car insurance rates so high?

Louisiana drivers pay some of the highest car insurance rates in the nation for a number of reasons, such as the high number of uninsured drivers and lawsuits for serious accidents. In 2018, the NAIC reported a 6.8 percent increase in auto insurance rates from the previous year.

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 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.