The Cheapest Car Insurance in Louisiana for November 2024

Here is the cheapest car insurance in Louisiana according to NerdWallet's analysis.

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Updated · 5 min read
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Written by Ben Moore
Assistant Assigning Editor
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Edited by Lacie Glover
Assigning Editor
Fact Checked

Nerdy takeaways

  • Southern Farm Bureau offers the cheapest full coverage in Louisiana, with an average rate of $2,384 per year according to NerdWallet's November 2024 analysis.

  • Full coverage in Louisiana costs an average of $3,809 per year, or $317 per month.

  • If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in Louisiana is $1,035 per year, or $86 per month.

    Auto insurance is an important purchase, but finding cheap car insurance in Louisiana isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers. NerdWallet found some of the cheapest car insurance companies in your state to help you compare rates and get a better deal for your coverage.

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    Keep reading to find the cheapest car insurance in Louisiana for different driver profiles and coverage types among:

    Cheap car insurance in Louisiana

    Here's the cheapest full coverage car insurance in Louisiana for 35-year-old drivers with different driving records.

    CategoryCheapest companyMedian annual rate
    Clean driving historySouthern Farm Bureau$2,384
    After a DUILouisiana Farm Bureau$2,796
    After an accidentLouisiana Farm Bureau$2,891
    After a speeding ticketSouthern Farm Bureau$2,623
    Having poor creditSouthern Farm Bureau$4,139

    The cheapest car insurance company in Louisiana is Southern Farm Bureau at $2,384 per year on average, or $199 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Louisiana. Meanwhile, the average cost of full coverage car insurance in Louisiana is $3,809 per year, or about $317 per month.

    🤓Nerdy Tip

    Did your rates go up? Auto insurance prices are on the rise in Louisiana. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

    Minimum coverage in Louisiana is $1,035 per year on average, but we found you can likely get a cheaper policy. For example, Southern Farm Bureau offers the cheapest rates in Louisiana at $645 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

    NerdWallet also analyzed car insurance rates to find the cheapest options in New Orleans.

    How we chose the cheapest companies in Louisiana

    NerdWallet’s editorial team analyzed car insurance rates from 12 auto insurers in Louisiana and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Louisiana. For full coverage, we used the below coverage limits:

    • $100,000 bodily injury liability per person.

    • $300,000 bodily injury liability per accident.

    • $50,000 property damage liability per accident.

    • $100,000 uninsured motorist coverage per person.

    • $300,000 uninsured motorist coverage per accident.

    • Collision coverage with a $1,000 deductible.

    • Comprehensive coverage with a $1,000 deductible.

    Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Louisiana where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

    Cheap auto insurance in Louisiana for 20-year-old drivers

    Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

    Cheapest full coverage car insurance in Louisiana for 20-year-olds

    Drivers in Louisiana with clean driving records may want to consider the following companies, which had the lowest average rates:

    CompanyMedian annual rateMedian monthly rate
    Southern Farm Bureau$3,740$312
    Louisiana Farm Bureau$5,429$452
    Geico$6,929$577
    Progressive$6,988$582
    Allstate$9,181$765

    Cheapest minimum coverage car insurance in Louisiana for 20-year-olds

    Drivers in Louisiana who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

    CompanyMedian annual rateMedian monthly rate
    Southern Farm Bureau$1,330$111
    Louisiana Farm Bureau$1,594$133
    Geico$1,612$134
    Progressive$1,656$138
    Safeway$2,268$189

    Cheapest car insurance in Louisiana for 20-year-olds with poor credit

    Drivers with poor credit in Louisiana should look at the following insurers with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Geico$2,081$173
    Southern Farm Bureau$2,115$176
    Safeway$2,268$189
    Progressive$2,782$232
    Louisiana Farm Bureau$3,074$256

    Cheapest car insurance in Louisiana for 20-year-old drivers with one speeding ticket

    For drivers with a recent speeding ticket in Louisiana, here are the companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Southern Farm Bureau$1,548$129
    Louisiana Farm Bureau$1,703$142
    Progressive$1,925$160
    Geico$2,294$191
    Safeway$2,378$198

    Cheapest car insurance in Louisiana for 20-year-old drivers with one at-fault crash

    For drivers with a recent accident in Louisiana, here are the companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Southern Farm Bureau$1,716$143
    Louisiana Farm Bureau$1,886$157
    Progressive$2,048$171
    Geico$2,354$196
    Safeway$2,924$244

    Cheapest car insurance in Louisiana for 20-year-old drivers after a DUI

    The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$1,857$155
    Southern Farm Bureau$1,860$155
    Progressive$2,029$169
    Safeway$3,144$262
    Allstate$3,400$283
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    Cheap auto insurance in Louisiana for 30-year-old drivers

    By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

    Cheapest full coverage car insurance in Louisiana for 30-year-olds

    Drivers in Louisiana seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:

    CompanyMedian annual rateMedian monthly rate
    Southern Farm Bureau$2,575$215
    Louisiana Farm Bureau$2,625$219
    Geico$3,358$280
    Progressive$3,851$321
    Encompass$4,233$353

    Cheapest minimum coverage car insurance in Louisiana for 30-year-olds

    Drivers in Louisiana who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

    CompanyMedian annual rateMedian monthly rate
    Geico$679$57
    Louisiana Farm Bureau$728$61
    Southern Farm Bureau$734$61
    Progressive$875$73
    Auto Club of SoCal$1,062$89

    Cheapest car insurance in Louisiana for 30-year-olds with poor credit

    Drivers with poor credit in Louisiana should consider the following companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Geico$999$83
    Southern Farm Bureau$1,235$103
    Louisiana Farm Bureau$1,423$119
    Safeway$1,502$125
    Progressive$1,503$125

    Cheapest car insurance in Louisiana for 30-year-old drivers with one speeding ticket

    For drivers with a recent speeding ticket in Louisiana, here are the companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$780$65
    Southern Farm Bureau$847$71
    Progressive$1,092$91
    Geico$1,263$105
    State Farm$1,323$110

    Cheapest car insurance in Louisiana for 30-year-old drivers with one at-fault crash

    For drivers in Louisiana with a recent accident, here are the lowest average rate options for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$863$72
    Southern Farm Bureau$934$78
    Progressive$1,265$105
    Geico$1,303$109
    State Farm$1,491$124

    Cheapest car insurance in Louisiana for 30-year-old drivers after a DUI

    For the cheapest auto insurance after a DUI, we found the following options for minimum coverage.

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$852$71
    Southern Farm Bureau$1,009$84
    Progressive$1,158$97
    Auto Club of SoCal$1,800$150
    State Farm$1,828$152

    Cheap auto insurance in Louisiana for 40-year-old drivers

    Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

    Cheapest full coverage car insurance in Louisiana for 40-year-olds

    Drivers in Louisiana with clean driving records may want to think about the following companies, which had the lowest average rates:

    CompanyMedian annual rateMedian monthly rate
    Southern Farm Bureau$2,280$190
    Louisiana Farm Bureau$2,487$207
    Geico$3,358$280
    Progressive$3,586$299
    Encompass$4,233$353

    Cheapest minimum coverage car insurance in Louisiana for 40-year-olds

    Drivers in Louisiana who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

    CompanyMedian annual rateMedian monthly rate
    Southern Farm Bureau$605$50
    Louisiana Farm Bureau$670$56
    Geico$679$57
    Progressive$793$66
    Auto Club of SoCal$1,022$85

    Cheapest car insurance in Louisiana for 40-year-olds with poor credit

    Drivers with poor credit in Louisiana can check out the following insurers with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Geico$999$83
    Southern Farm Bureau$1,018$85
    Louisiana Farm Bureau$1,326$110
    Safeway$1,330$111
    Progressive$1,371$114

    Cheapest car insurance in Louisiana for 40-year-old drivers with one speeding ticket

    For drivers with a recent speeding ticket in Louisiana, here are the companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Southern Farm Bureau$695$58
    Louisiana Farm Bureau$711$59
    Progressive$1,002$84
    Geico$1,263$105
    State Farm$1,311$109

    Cheapest car insurance in Louisiana for 40-year-old drivers with one at-fault crash

    For drivers with a recent accident living in Louisiana, here are the companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Southern Farm Bureau$765$64
    Louisiana Farm Bureau$787$66
    Progressive$1,171$98
    Geico$1,303$109
    State Farm$1,478$123

    Cheapest car insurance in Louisiana for 40-year-old drivers after a DUI

    The cheapest minimum coverage auto insurance we found for drivers with a DUI came from the following companies.

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$771$64
    Southern Farm Bureau$824$69
    Progressive$1,063$89
    Auto Club of SoCal$1,734$145
    State Farm$1,811$151

    Cheap auto insurance in Louisiana for 50-year-old drivers

    Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

    Cheapest full coverage car insurance in Louisiana for 50-year-olds

    Drivers in Louisiana with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$2,187$182
    Southern Farm Bureau$2,214$184
    Geico$3,119$260
    Progressive$3,284$274
    Encompass$3,651$304

    Cheapest minimum coverage car insurance in Louisiana for 50-year-olds

    Drivers in Louisiana who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$583$49
    Southern Farm Bureau$593$49
    Geico$636$53
    Progressive$737$61
    Auto Club of SoCal$970$81

    Cheapest car insurance in Louisiana for 50-year-olds with poor credit

    Drivers with poor credit in Louisiana can check with the following companies, which showed the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Geico$939$78
    Southern Farm Bureau$996$83
    Louisiana Farm Bureau$1,146$95
    Safeway$1,150$96
    Progressive$1,281$107

    Cheapest car insurance in Louisiana for 50-year-old drivers with one speeding ticket

    For drivers with a recent speeding ticket in Louisiana, here are the companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$623$52
    Southern Farm Bureau$682$57
    Progressive$939$78
    Geico$1,173$98
    Safeway$1,204$100

    Cheapest car insurance in Louisiana for 50-year-old drivers with one at-fault crash

    For drivers living in Louisiana with a recent accident, here are the insurers with the lowest average minimum coverage rates:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$689$57
    Southern Farm Bureau$749$62
    Progressive$1,120$93
    Geico$1,240$103
    State Farm$1,425$119

    Cheapest car insurance in Louisiana for 50-year-old drivers after a DUI

    The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for minimum coverage.

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$680$57
    Southern Farm Bureau$807$67
    Progressive$1,005$84
    Safeway$1,578$132
    Auto Club of SoCal$1,644$137
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    Cheap auto insurance in Louisiana for 60-year-old drivers

    Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

    Cheapest full coverage car insurance in Louisiana for 60-year-olds

    Drivers in Louisiana with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$2,228$186
    Southern Farm Bureau$2,294$191
    Geico$3,120$260
    Progressive$3,129$261
    Encompass$3,651$304

    Cheapest minimum coverage car insurance in Louisiana for 60-year-olds

    Drivers in Louisiana who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$602$50
    Southern Farm Bureau$640$53
    Geico$653$54
    Progressive$733$61
    Auto Club of SoCal$940$78

    Cheapest car insurance in Louisiana for 60-year-olds with poor credit

    Drivers with poor credit in Louisiana can look at the following companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Geico$963$80
    Southern Farm Bureau$1,081$90
    Safeway$1,172$98
    Louisiana Farm Bureau$1,181$98
    Progressive$1,278$106

    Cheapest car insurance in Louisiana for 60-year-old drivers with one speeding ticket

    For drivers with a recent speeding ticket in Louisiana, here are the companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$646$54
    Southern Farm Bureau$737$61
    Progressive$936$78
    Geico$1,173$98
    State Farm$1,190$99

    Cheapest car insurance in Louisiana for 60-year-old drivers with one at-fault crash

    For drivers with a recent accident living in Louisiana, here are the companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$715$60
    Southern Farm Bureau$811$68
    Progressive$1,118$93
    Geico$1,263$105
    State Farm$1,342$112

    Cheapest car insurance in Louisiana for 60-year-old drivers after a DUI

    The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$709$59
    Southern Farm Bureau$874$73
    Progressive$1,002$84
    Auto Club of SoCal$1,596$133
    Safeway$1,608$134

    Cheap auto insurance in Louisiana for 70-year-old drivers

    Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

    Cheapest full coverage car insurance in Louisiana for 70-year-olds

    Drivers in Louisiana with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$2,447$204
    Southern Farm Bureau$2,536$211
    Progressive$3,353$279
    Geico$3,410$284
    Farmers$4,099$342

    Cheapest minimum coverage car insurance in Louisiana for 70-year-olds

    Drivers in Louisiana who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$688$57
    Southern Farm Bureau$749$62
    Geico$797$66
    Progressive$824$69
    Auto Club of SoCal$1,114$93

    Cheapest car insurance in Louisiana for 70-year-olds with poor credit

    Drivers with poor credit in Louisiana can look at the following companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Safeway$1,172$98
    Geico$1,206$100
    Southern Farm Bureau$1,277$106
    Louisiana Farm Bureau$1,346$112
    Progressive$1,423$119

    Cheapest car insurance in Louisiana for 70-year-old drivers with one speeding ticket

    For drivers with a recent speeding ticket in Louisiana, here are the companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$741$62
    Southern Farm Bureau$864$72
    Progressive$1,092$91
    Safeway$1,226$102
    Geico$1,352$113

    Cheapest car insurance in Louisiana for 70-year-old drivers with one at-fault crash

    For drivers with a recent accident living in Louisiana, here are the companies with the lowest average rates for minimum coverage:

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$821$68
    Southern Farm Bureau$953$79
    Progressive$1,319$110
    Safeway$1,498$125
    Geico$1,516$126

    Cheapest car insurance in Louisiana for 70-year-old drivers after a DUI

    The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.

    CompanyMedian annual rateMedian monthly rate
    Louisiana Farm Bureau$822$69
    Southern Farm Bureau$1,029$86
    Progressive$1,153$96
    Safeway$1,608$134
    Auto Club of SoCal$1,888$157

    Cheapest car insurance for military families in Louisiana

    If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

    Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 68 of the 70 driver profiles we examined.

    Minimum required auto insurance in Louisiana

    Louisiana drivers are required to carry liability insurance, which covers others’ injury treatment and property damage after crashes you cause.

    The minimum limits you must buy are:

    • $15,000 bodily injury liability per person.

    • $30,000 bodily injury liability per accident.

    • $25,000 property damage liability per accident.

    Although this will be enough to drive legally, experts recommend getting more than the bare minimum to avoid paying out of pocket after serious crashes. You may also want optional coverage such as collision, comprehensive and uninsured motorist coverage.

    Check out NerdWallet’s guide to car insurance requirements by state for more information on how these coverage options work and what makes sense for your policy.

    Alternative car insurance in Louisiana

    Drivers who are denied auto insurance on the open market thanks to such factors as a checkered driving record can shop for coverage through the Louisiana Automobile Insurance Plan.

    Try our car insurance comparison tool to view rates from top companies.

    Methodology

    For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

    For full coverage policies, we used the following coverage limits:

    • $100,000 bodily injury liability per person.

    • $300,000 bodily injury liability per accident.

    • $50,000 property damage liability per accident.

    • $100,000 uninsured motorist coverage per person.

    • $300,000 uninsured motorist coverage per accident.

    • Collision coverage with a $1,000 deductible.

    • Comprehensive coverage with a $1,000 deductible.

    In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

    We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

    We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

    We used the same assumptions for all other driver profiles, with the following exceptions:

    • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

    • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

    • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

    • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

    We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

    These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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