Best 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.

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.

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.

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.

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.

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.

*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.

#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.

#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%.

#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.

#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.

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)

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.

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.