A Complete Guide to Cheap Car Insurance, Louisiana
Car insurance in Louisiana is among the most expensive in the country, driven by severe weather, high accident rates, and vehicle theft. This guide breaks down average costs, the cheapest insurers, and practical steps to find affordable coverage for your profile.
All drivers in the state of Louisiana must have car insurance to legally operate a vehicle. However, auto insurance costs can increase due to various factors such as age and driving history. This is why finding the best car insurance company for your profile is important. This article is a deep dive into Louisiana auto insurance rates and tips to find the best coverage.
What is the Average Cost of Auto Insurance in Louisiana?
The average cost of insurance in Louisiana is about $2,726 per year, or $227 per month. This is much higher than the national average because the state is prone to severe weather conditions and natural disasters. Louisiana also has high rates of vehicle theft and accidents.
The exact amount drivers pay for car insurance varies based on factors such as age, driving history, location, and coverage options. For example, young drivers or those with a poor driving record may face higher rates.
This is why finding the cheapest options is important. We help you compare car insurance quotes to find the most affordable options for your profile.
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Factors Affecting Car Insurance Costs in Louisiana
Several factors affect car insurance rates in Louisiana. They include:
1. Driving History
Your driving behavior can determine your insurance rate. Good drivers with clean records often pay lower premiums, while those with violations, such as speeding tickets and at-fault accidents, face higher rates.
2. Age
Louisiana drivers may pay higher rates if they are younger. Teens often pay the highest rates because they are less experienced and more likely to be involved in a car accident. On the other hand, senior drivers (60-year-olds) pay much lower premiums.
3. Location
In some instances, car insurance coverage costs vary depending on where you live. In Louisiana, urban areas with high traffic volumes and high accident rates attract higher premiums. Rural areas can have lower rates but may also face increased costs due to natural disasters such as floods.
4. Type of Vehicle
Your car insurance rate can also vary depending on your vehicle type. Luxury and sports cars requiring imported parts often cost more to insure. On the other hand, older and more basic cars receive lower premiums.
5. Credit History
Your credit history can affect your insurance rates. Usually, people with good credit receive better rates than those with bad credit.
6. Coverage Options
The more comprehensive your coverage, the higher your premiums. Choosing liability instead of full coverage will lower your monthly or annual costs.
Top Companies for Cheap Car Insurance, Louisiana
Many providers in Louisiana offer affordable auto insurance, depending on factors such as driving record and age. However, the cheapest companies in the state overall are:
1. USSA
USAA is the cheapest insurance company in the state. They offer an average annual premium of $2,296. However, note that USSA only serves military personnel and their family members.
2. Louisiana Farm Bureau
This company is an affordable option for drivers in the state. They are the top choice for various drivers, including teens and those with a poor driving record. Louisiana Farm Bureau is often the next best option for people who do not qualify for USAA, with a rate of $2,673 per year.
3. Geico
Geico is another top choice for drivers in the state, especially for adults who do not qualify for USAA. They offer an average annual rate of $2,872.
4. Progressive
This insurer also offers affordable rates for drivers. They are an ideal choice for a wide range of drivers, with an average premium of $2,937 per year.
| Company | Average Annual Rate |
|---|---|
| USAA | $2,296 |
| Louisiana Farm Bureau | $2,673 |
| Geico | $2,872 |
| Progressive | $2,937 |
Source: Cheapest Car Insurance in Louisiana for 2025 (US News)
Cheapest Louisiana Car Insurance Cities
The average cost of car insurance in Louisiana can also vary depending on where you live. Urban areas often face higher costs due to factors such as heavy traffic and increased vehicle theft. Similarly, areas that are prone to natural disasters have higher premiums.
The cheapest large cities in the state for minimum coverage car insurance are:
| City | Average Annual Full Coverage |
|---|---|
| Bossier City | $3,084 |
| Shreveport | $3,326 |
| Baton Rouge | $4,162 |
| Kenner | $4,411 |
| New Orleans | $5,677 |
Source: Best car insurance in Louisiana for 2025 (Bankrate)
Cheapest Car Insurance, Louisiana: By Age
Insurance companies look at your age when determining premiums, with the younger drivers paying more for coverage. However, many companies offer competitive rates based on your age. Here is a breakdown:
Teen Drivers (Age 17)
Teen drivers often pay the highest premiums because providers see them as high-risk to insure. Teenagers are more likely to engage in risky driving behavior and be involved in accidents. According to US News, teens in Louisiana pay an average of $11,859 to $13,741.
However, drivers in this category can find affordable, quality coverage from USAA, which offers the lowest rate for male drivers at $7,802. Also, Louisiana Farm Bureau is the cheapest for female teens at $7,053 annually.
Young Adult Drivers (Age 25)
Young adults can get better rates since they have more driving experience. The best company for this age group is Geico, which offers the lowest rates: $2,601 for females and $2,537 for males.
| Company | 17 Year Old Female | 17 Year Old Male | 25 Year Old Female | 25 Year Old Male |
|---|---|---|---|---|
| USAA | $7,429 | $7,802 | $2,716 | $2,831 |
| Louisiana Farm Bureau | $7,053 | $8,909 | $3,281 | $3,275 |
| Geico | $9,817 | $10,348 | $2,601 | $2,537 |
| Safeway | $7,567 | $8,914 | $4,015 | $4,486 |
Source: Cheapest Car Insurance in Louisiana for 2025 (US News)
Adult Drivers (Age 40)
Adults in this age group enjoy a more affordable rate because they are less likely to be involved in collisions. As such, many companies offer competitive coverage, with the cheapest option for female drivers being USAA at $2,098.
Those who do not qualify for USAA should consider Geico, which has the cheapest premiums for females in this category at $2,751. Male drivers can find the most affordable coverage from USAA and Louisiana Farm Bureau at $2,064 and $2,905 per year, respectively.
Senior Drivers (Age 60)
Drivers in this category often receive the most affordable rates because they drive fewer miles and have a lot of experience on the road. USAA's average rate of $2,041 is the cheapest for female drivers, followed by Louisiana Farm Bureau at $2,539. Male seniors can also find the best rates with USAA and Louisiana Farm Bureau at $2,028 and $2,590, respectively.
| Company | 40 Year Old Female | 40 Year Old Male | 60 Year Old Female | 60 Year Old Male |
|---|---|---|---|---|
| USAA | $2,098 | $2,064 | $2,041 | $2,028 |
| Louisiana Farm Bureau | $2,865 | $2,905 | $2,539 | $2,590 |
| Geico | $2,751 | $3,100 | $2,881 | $3,362 |
| Safeway | $2,766 | $2,969 | $2,787 | $2,787 |
Source: Cheapest Car Insurance in Louisiana for 2025 (US News)
Cheapest Auto Insurance, Louisiana: High-Risk Drivers
High-risk drivers are those with speeding violations, accidents, or DUI convictions. They often face higher premiums than good drivers with a clean driving record. Here’s a breakdown of these motorists:
With a Speeding Ticket
One speeding ticket can increase your premiums. Drivers with one ticket pay an average of $4,657 in Louisiana. Multiple tickets increase it even further. However, motorists can find affordable coverage from companies such as Louisiana Farm Bureau. They offer the cheapest rate at $2,776 per year.
With an At-Fault Accident
If you are the at-fault driver in a collision, your provider will increase your premiums by 40% or more. The average premium for drivers with one at-fault accident is $5,338. However, you can find the cheapest rates with Louisiana Farm Bureau at $3,021.
With a DUI
The average cost of auto insurance for a driver with a DUI in Louisiana is more than $1,800 per year higher than for a driver with a clean record. The average premium in the state is $5,675, but Louisiana Farm Bureau offers the most affordable rates in this category. Their average premium is $2,923.
| Company | With 1 Speeding Violation | With 1 Accident | With 1 DUI |
|---|---|---|---|
| Louisiana Farm Bureau | $2,776 | $3,021 | $2,923 |
| USAA | $2,950 | $3,459 | $4,621 |
| Geico | $3,967 | $4,897 | $5,940 |
| Progressive | $3,961 | $4,916 | $3,334 |
Source: Cheapest Car Insurance in Louisiana for 2025 (US News)
Cheap Auto Insurance, Louisiana: Poor Credit History
Louisiana providers can consider your credit score when determining premiums. People with poor credit tend to pay higher rates because companies see them as a higher risk to insure. However, many companies offer affordable rates; the cheapest is Safeway, with an average annual rate of $3,443.
| Company | Average Annual Poor Credit |
|---|---|
| Safeway | $3,443 |
| USAA | $4,338 |
| Geico | $5,048 |
| Louisiana Farm Bureau | $5,711 |
Source: Cheapest Car Insurance in Louisiana for 2025 (US News)
Tips for Getting Cheap Auto Insurance in Louisiana
- Maintain a Clean Driving Record: Avoid speeding tickets, accidents, and other violations to keep your rates as low as possible.
- Increase Your Deductible: Opting for a higher deductible can lower your premium. However, note that you’ll pay more out of pocket if you’re involved in an accident.
- Bundle Policies: Many providers offer discounts for bundling multiple policies, such as home and auto insurance.
- Shop Around: Rates can vary between insurance companies, so take the time to compare car insurance quotes.
- Take Advantage of Discounts: Look for discounts for safe driving, low-mileage drivers, good grades (for students), or for installing safety features like anti-theft devices. These will help with car insurance savings.
Louisiana Car Insurance Requirements
Louisiana has minimum requirements for car insurance, which you can prove through a physical or digital insurance card. The state requirements are as follows:
- $15,000 for bodily injury per person
- $30,000 for bodily injury per accident
- $25,000 for property damage
Bodily injury liability covers the medical expenses of the other driver in an at-fault accident. On the other hand, accident property damage liability pays for damage you cause to the other driver's property. Liability insurance does not pay for your injuries or damage to your vehicle. You would need additional insurance, such as comprehensive and collision coverage.
Additional Coverages in Louisiana
Besides what Louisiana law requires, drivers can get optional coverage such as:
1. Collision Coverage
This helps pay for your car after a collision with another vehicle or an object, such as a guardrail or a tree. Collision is required by lenders or lessors if you finance or lease your vehicle.
2. Comprehensive Coverage
This insurance helps pay for damage to your car from something other than a collision, such as fire or vandalism. Like collision cover, it’s often required by a lender or lessor.
3. Roadside Assistance
This covers assistance for roadside emergencies. Depending on the company, you could get services such as towing, battery jump-starts, flat tire changes, and fuel delivery.
4. Uninsured/Underinsured Motorist
Uninsured motorist covers your expenses when you’re in an accident with an at-fault driver who doesn’t have insurance. On the other hand, underinsured pays for your costs if you're hit by a driver who doesn't have enough insurance.
5. Medical Payments
MedPay helps pay for your medical expenses after an accident, regardless of fault. It also pays for your passengers' medical bills.
FAQs
Who has the best Cheap Car Insurance in Louisiana?
The best cheap car insurance depends on factors such as coverage levels and age. For example, Geico is the cheapest for young adults, while Louisiana Farm Bureau is the most affordable for high-risk drivers in the state. Always compare quotes from multiple companies to save money.
What are the Requirements for Car Insurance in Louisiana?
Louisiana requires drivers to have the minimum of 15/30/25 liability coverage. This includes $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $25,000 for property damage.
What Happens if You Drive Without Car Insurance?
Driving without insurance in Louisiana can result in fines and license suspension. Get auto insurance quotes from multiple sources to find affordable rates and avoid driving without insurance.
What is Louisiana’s ‘No Pay, No Play’ law?
Louisiana’s “No Pay, No Play” law means that if you’re driving without insurance and get into an accident, you cannot claim pain and suffering or property damage from the other party, even if they are at fault.
