Best Louisiana Car Insurance (2024)

If you’re shopping for car insurance in Louisiana, you may wonder how much your rates will be. Unfortunately, car insurance rates depend on many factors. Your age, gender, location, marital status, driving history, and credit score can all impact how much you’ll pay for car insurance in Louisiana.

The average cost of Louisiana car insurance is around $3,265 annually or $272 each month. Therefore, Louisiana car insurance often costs around 114% more than the national average. As you shop for car insurance, finding and comparing quotes from several companies is important to avoid paying too much for coverage.

You may need to research several companies to find the best car insurance in Louisiana. As you do, you’ll get a better idea of what you’re looking for and which companies can meet your coverage needs while providing car insurance that fits your budget.

How much is minimum coverage car insurance in Louisiana?

If you’re looking for cheap car insurance in Louisiana, a minimum coverage or liability-only policy is your best bet. The cheapest car insurance in Louisiana will likely be a minimum coverage policy because it offers less coverage for the driver.

Still, minimum coverage may not be the best idea if you have a relatively new car, a loan or lease on your vehicle, or a vehicle with a high actual cash value (ACV).

Average Monthly Minimum Coverage Car Insurance Rates in Louisiana

The average cost for minimum coverage car insurance in Louisiana is around $795 annually or $66 each month. Comparing the cost of minimum coverage to a full coverage policy in Louisiana could save more than $2,000 per year.

Geico insurance offers the cheapest minimum coverage car insurance rates in Louisiana. With Geico, you’ll pay around $517 annually or $43 each month for a liability-only policy. Rates with the Southern Farm Bureau are around $686 annually or $57 each month.

You’ll pay around $731 annually or $61 per month for a minimum coverage policy with State Farm insurance, and Progressive insurance charges around $1,177 annually or $98 each month for liability insurance. If you choose Allstate auto insurance, you’ll pay $1,182 annually or $99 each month for car insurance.

Safe Auto charges the highest for a minimum coverage Louisiana car insurance policy. With Safe Auto, you’ll pay $1,397 annually or $116 each month for car insurance coverage.

Should I get a minimum coverage policy?

Minimum coverage may seem appealing because of the option to buy cheap car insurance in Louisiana. Still, you may want to consider purchasing additional coverage to protect yourself and your vehicle.

Liability coverage only pays for damage or injuries you cause to other people or property. If you only carry a liability car insurance policy, you will have to pay out of pocket for any repairs to your vehicle. Consider purchasing a full coverage policy in Louisiana that includes collision and comprehensive car insurance for more protection when you’re behind the wheel.

Best Louisiana Car Insurance for Full Coverage

Full coverage car insurance costs more than a minimum coverage policy because of the additional protection. If you purchase full coverage, your insurance company will help repair your vehicle if you cause an accident or if someone or something else damages your car when you’re not in an accident.

Average Monthly Full Coverage Car Insurance Rates in Louisiana

The cheapest car insurance rates for a full coverage policy in Louisiana are with Southern Farm Bureau. You’ll pay around $1,971 annually or $164 per month for full coverage with Southern Farm Bureau, including collision and comprehensive car insurance and your liability insurance.

After Southern Farm Bureau, the cheapest option for full coverage is Geico. With Geico, you’ll pay $2,223 annually or $185 each month for car insurance. State Farm charges around $2,463 annually or $205 each month for a full coverage policy in Louisiana.

The average full coverage car insurance policy with Progressive costs over $1,000 more than full coverage with State Farm. Progressive charges around $3,644 annually or $304 each month for a full coverage policy. Safe Auto charges around $4,042 annually or $337 each month for full coverage.

Allstate has the highest car insurance rates in Louisiana for a full coverage policy. With Allstate, you’ll pay around $4,484 annually or $374 monthly for full vehicle coverage.

Is a full coverage policy worth the extra money?

Full coverage car insurance costs more than a minimum coverage policy. Still, with full coverage, you are better protected if you’re in an accident or if something damages your vehicle.

A full coverage policy includes collision and comprehensive coverage. With collision car insurance, your car insurance company will pay for repairs to your vehicle if you cause an accident. Comprehensive car insurance covers repair costs if inclement weather, wild animals, theft, or other non-accident-related things happen.

Ultimately, it’s up to you to decide the type of car insurance you need for your vehicle. For example, if you drive an older car with a low ACV, you may want to stick with a liability-only car insurance policy. On the other hand, if you have a newer car or a car with a higher ACV, a full coverage policy may be the better choice.

Remember that you will need to purchase full coverage on your vehicle if you have a loan or lease through a dealership or other financial institution. However, you can always compare car insurance options from multiple companies in your area to determine which offers the coverage you want at a price that works with your budget.

Best Louisiana Car Insurance With Bad Credit

Believe it or not, your credit can significantly impact your car insurance rates. Insurance companies assume you’re more likely to file a car insurance claim if you have bad credit. So to mitigate the risk, insurance companies charge higher rates when people have poor credit.

Average Monthly Full Coverage Car Insurance Rates in Louisiana With Bad Credit

If you have poor credit, you could pay 55% more for your car insurance than other Louisiana residents. The cheapest car insurance rates for people with bad credit in Louisiana are often with Geico. Geico charges around $2,867 annually or $239 each month for coverage if you have bad credit.

Southern Farm Bureau comes in second, charging $3,720 each year or $310 monthly for coverage. Allstate charges almost $2,000 more per year than Southern Farm Bureau. With Allstate, you can expect to pay around $5,442 annually or $454 each month for car insurance with bad credit.

Safe Auto charges around $5,480 annually or $457 each month for car insurance if you have poor credit, and you’ll pay around $7,010 annually or $584 per month with Progressive. State Farm charges the highest rates for people with bad credit. If you have a poor credit score, you will pay around $11,228 annually or $936 each month for car insurance with State Farm.

Can I get cheaper rates if I have bad credit?

The best way to improve your car insurance rates if you have bad credit is to improve your credit score. Work on slowly paying off your debt without accruing any more, and try not to take out any new lines of credit, as doing so can negatively affect your credit score.

As you pay off debt, you should find that your credit score improves. Once it does, you can find and compare car insurance quotes from several insurance companies in your area to see which one offers the most competitive coverage rates.

Best Louisiana Car Insurance With an At-Fault Accident

If you have an at-fault accident on your driving record, you can expect higher-than-average car insurance rates in Louisiana. Insurance companies see you as a risk if you’ve caused one or more accidents and filed a claim. Because of this, your car insurance rates will increase.

You’ll sometimes pay less than $100 more than the Louisiana state average annually with an at-fault accident on your record. Still, the amount you’ll pay for coverage will depend on several factors.

Average Monthly Full Coverage Car Insurance Rates in Louisiana After an Accident

Southern Farm Bureau offers the cheapest car insurance rates if you have an at-fault accident on your record in Louisiana. With Southern Farm Bureau, you’ll pay around $2,349 annually or $196 each month for car insurance.

State Farm charges around $2,990 annually or $249 each month for car insurance if you have an accident on your record, and you’ll pay $3,397 annually or $283 per month with Geico. Safe Auto charges around $5,646 per year or $471 monthly for car insurance with an accident on your record, and rates with Allstate are $5,869 annually or $489 each month.

If you have an at-fault accident on your driving record, you’ll pay the most for coverage with Progressive. Progressive charges around $6,362 annually or $530 each month for car insurance. Learn more about the best car insurance companies for people with accidents.

How can I get cheaper rates with an at-fault accident?

You’ll need to drive safely and avoid accidents and traffic tickets to get cheaper coverage. Over time, accidents and other traffic violations disappear from your driving record. Once your at-fault accident no longer shows up on your driving record, you may be able to get more affordable Louisiana car insurance rates.

Best Louisiana Car Insurance for Teen Drivers

Teen and young adult drivers often pay the most for car insurance. Insurance companies assume teen and young adult drivers are riskier because of their inexperience, so they charge higher coverage rates. If you’re a teen driver or have one on your car insurance, the average cost for coverage is $10,510 per year or $876 each month.

Average Monthly Full Coverage Car Insurance Rates in Louisiana With a DUI For Teenagers

With Southern Farm Bureau, you’ll pay around $5,206 annually or $434 each month for coverage. Geico charges around $6,554 annually or $546 each month for teen and young adult car insurance rates. So you can expect to pay over $1,000 more annually with State Farm than with Geico for the same coverage. State Farm charges $7,855 annually or $655 monthly for car insurance if you’re a teen or young adult driver.

Rates with Safe Auto are even more. Safe Auto charges $10,078 annually or $840 per month, while Allstate charges $10,103 each year or $842 each month. Progressive’s rates are the steepest for teen and young adult drivers in Louisiana. Progressive charges around $18,846 per year or $1,571 monthly for coverage.

Can teens get cheaper rates?

Teen drivers may get cheaper car insurance rates if they’re added to a parent’s car insurance policy. Some companies also offer discounts for things like good grades and students away at college.

You can shop online and compare teen and young adult car insurance quotes online. Doing so will help you ensure you find the coverage you want for your teen or young adult driver while still getting an affordable coverage rate.

Do Louisiana car insurance rates vary based on where you live?

Your location can have a significant impact on your car insurance rates. For example, if you live in a busier city, or one with more traffic or a higher crime rate, you’ll often pay more for your car insurance because of the increased likelihood that you will file a claim.

The cheapest car insurance in Louisiana is in Shreveport, while the most expensive rates are found in New Orleans. If you live in New Orleans and are concerned about how much coverage may cost, you can shop online to find and compare car insurance quotes in New Orleans. Doing so can help you find the companies in your area that offer the most affordable coverage.

Does Louisiana have specific DUI laws?

Car insurance companies take a DUI conviction very seriously. So if you have a DUI on your driving record in Louisiana, you can expect to pay much higher rates for car insurance coverage. Premiums tend to go up nearly $400 more each year for auto insurance after a DUI.

Can I get cheap Louisiana car insurance with a DUI?

Southern Farm Bureau offers affordable car insurance for many Louisiana drivers who have a DUI. With Southern Farm Bureau, you’ll pay around $2,341 annually or $195 each month for coverage.

Average Monthly Full Coverage Car Insurance Rates in Louisiana With a DUI

Rates with State Farm are around $3,440 annually or $287 each month, while Geico charges around $4,969 annually or $414 monthly for car insurance if you have a DUI on your driving record. You can buy car insurance with Progressive if you have a DUI, but you’ll pay around $5,406 annually or $451 each month for coverage.

Allstate charges around $5,415 annually or $451 each month for coverage, while car insurance with Safe Auto costs around $5,646 annually or $471 each month with a DUI on your record.

Read more: Louisiana Car Insurance Laws

How can I lower my car insurance rates in Louisiana with a DUI?

A DUI stays on your driving record in Louisiana for 10 years, so your DUI can impact your car insurance rates for a long time after you’re convicted of driving under the influence. Still, there are some things you can do to potentially lower your car insurance rates.

Some companies offer discounts to individuals who take a safe driving course after a DUI conviction. You may also be eligible for other company discounts that lower your monthly or annual rates. It’s a good idea to shop and compare car insurance quotes in Louisiana from several companies before making a final decision.

Do I have to have car insurance in Louisiana?

Louisiana requires drivers to carry car insurance to drive legally in the state. If you live in Louisiana, you need the following car insurance coverage:

• $15,000 in bodily injury liability per person
• $30,000 in bodily injury liability per accident
• $25,000 in property damage liability per accident

In addition to the coverage listed above, you can also purchase additional options, like:

• Comprehensive car insurance
• Collision car insurance 
• Gap insurance
• Personal Injury Protection (PIP) coverage
• Medical Payments (MedPay)
• Rental Car Reimbursement
• Roadside Assistance
• Uninsured/Underinsured motorist coverage

The more coverage you purchase, the more protection you’ll have behind the wheel. Remember that additional coverage will increase your monthly or annual car insurance rates. Some companies offer add-on coverage options that you may want to purchase to further customize your car insurance.

Can I get SR-22 insurance in Louisiana?

Depending on the nature of your driving record, you may have to file an SR-22 in your state. Unfortunately, not all insurance companies offer coverage to people who need to file an SR-22, but you can shop online to compare quotes and see which companies will be the most helpful.

Not all drivers need SR-22 coverage. The only time you’ll need to file an SR-22 in Louisiana is if you have certain infractions on your driving record. Some of the most common reasons you may need to file an SR-22 include:

• Multiple traffic tickets
• One or more at-fault accidents
• A DUI or DWI
• Driving without car insurance
• Driving with a suspended or revoked driver’s license

To find the best insurance for SR-22 coverage in Louisiana, you may have to speak with representatives from several companies to find car insurance.

Can I get SR-22 insurance if I already have coverage?

If you have car insurance with an insurance company, you can ask a representative from that company whether you can file an SR-22 form. The company may charge a small fee, but you may be able to keep your current car insurance policy. However, remember that you may have to pay higher coverage rates if you need an SR-22 because of the associated risk.

Can I get SR-22 insurance if I’m uninsured?

You will have to shop for a car insurance company if you do not have one. Unfortunately, some companies may not be willing to take you on as a policyholder because of your poor driving record. Still, you could find a company that offers agreeable rates.

Can I get SR-22 insurance if I don’t have a car?

You’ll need to purchase non-owner car insurance coverage if you don’t have a vehicle. Many insurance companies offer non-owner coverage, and your rates may be cheaper than they would be if you owned a car and needed to purchase a policy.

Cheap Louisiana Car Insurance: The Bottom Line

If you’re looking for cheap car insurance in Louisiana, you’ll want to find and compare quotes from several companies. The cheapest coverage in Louisiana depends on factors like age, gender, marital status, driving history, credit score, and more.

Louisiana requires that drivers carry at least a minimum coverage policy, including bodily injury and property damage liability insurance. You may want to add collision and comprehensive car insurance to your Louisiana car insurance policy to make it a full coverage policy.

Remember to find and compare quotes from several car insurance companies in Louisiana before you make a final decision. Comparing quotes can help you get the coverage you want without paying too much in monthly or annual car insurance rates.