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If you are a Louisiana resident shopping for a new car insurance policy, you’re not alone. According to the U.S. Department of Transportation Federal Highway Administration, Louisiana has 3,395,095 licensed drivers on the road as of 2016, the last year for which such data is available. Our guide to shopping for car insurance in the state of Louisiana will help you figure out how much insurance you need, and you’ll learn what factors affect car insurance costs.

The average cost of car insurance varies widely from state to state, which is why we put together this guide to the best cheap car insurance in Louisiana. Our study helps explain many of the factors that affect the cost of car insurance, such as age and gender, the city or town in which the vehicle is registered, and other details such as driving record and credit score.

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Cheapest Car Insurance Companies in Louisiana

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance Companies

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record.  The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here. 

How Much Does Car Insurance Cost in Louisiana?

See the Cheapest Car Insurance Companies

The data provided by Quadrant Information Services can help you budget for car insurance as a Louisiana driver. You’ll see the differences in average rates among the state’s five biggest car insurance companies based on demographics such as age, gender, annual commute, driving habits, and city or town of residence.

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According to the Quadrant Information Services study, the average rate for car insurance across the state of Louisiana, from the state’s largest five auto insurance companies, is $2,113.48.

Though the statewide average is likely to be more useful than the nationwide average, we’ll break it down much more, since there is a ton of variation. For example, the data shows that the major auto insurance company with the highest statewide average is Allstate, at $2,727.67. Next is Progressive, with an average statewide rate of $2,226.85. State Farm lands in the middle, with an average rate of $2,039.40. The two cheapest major insurance companies in Louisiana based on statewide averages are Geico at $1,896.73 and USAA at $1,676.76, though it’s worth mentioning that USAA membership is available exclusively to members of the military and their families, so many shoppers won’t qualify.

Louisiana Car Insurance Rates by Age

First, we’ll look at average car insurance rates based on age and gender. To find the average rates in or study based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Younger drivers among our representative profiles are typically charged higher rates in our study because of their limited driving experience and higher frequency of accidents. That’s why in our study, the 25-year-old female driver profile has average rates of $2,268.80 a year for car insurance in Louisiana, and the 25-year-old male driver profile has average rates of $2,395.90. 

The highest representative rate for the male driver profile in this age group is from Allstate, at $3,043.40, and the lowest is from Geico, at $1,715.55. For the female driver profile, the highest representative average rate is from Allstate, $2,827.38, and the lowest is $1,784.92 from Geico.

Next, we’ll take a look at 35-year-old female and male profiles as the next demographic in the study. Generally, this group pays lower auto insurance rates than 25-year-old profiles. The female driver profile in this age group sees a representative average rate of $2,036.09 statewide, with a high representative average of $2,584.60 from Allstate and a low representative average of $1,569.49 from USAA. The average representative rate for the male driver profile in this age group is $2,041.64, with a high average representative rate of $2,584.60 from Allstate and a low representative average of $1,545.59 from USAA.

Last up is the driver profiles for 60-year-old male and female profiles, that typically have the lowest representative auto insurance rates of the age groups in the study. Across the state, female profiles in this group pay a representative average of $1,914.78 according to study data. The study says that the highest representative average for this driver profile is from Allstate, $2,663.03, and the lowest representative average is from USAA, $1,518.51. For the male driver profile in this age group, study data shows the representative average is $2,023.68. The most expensive average representative rate for the male driver profile in this age group is from Allstate, at $2,663.03. This insurer is a serious outlier for this driver profile, and it pulls up the average. No other company's study rates for this profile are above the average. USAA is the cheapest representative rate, at $1,505.60, according to the study.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$3,043.40

$2,827.38

$2,584.60

$2,584.60

$2,663.03

$2,663.03

Geico

$1,715.55

$1,784.92

$2,046.64

$1,803.21

$2,202.95

$1,827.09

Progressive

$2,739.81

$2,678.06

$2,061.62

$2,253.38

$1,904.88

$1,723.34

State Farm

$2,436.34

$2,176.66

$1,969.77

$1,969.77

$1,841.93

$1,841.93

USAA

$2,044.38

$1,876.98

$1,545.59

$1,569.49

$1,505.60

$1,518.51

Louisiana Car Insurance Rates by Annual Mileage

Auto insurance can vary based on annual mileage driven, so Quadrant Information Services looked at two groups, those with average travel of 6,000 miles annually and 12,000 miles annually. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with a medium level of insurance coverage and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

In Louisiana, study data shows that Allstate and Progressive have the same average representative rate for both groups, though the other three companies charge more for the group with higher miles. According to study data, the statewide average representative rate for the lower mileage group is $2,035.89, with a high of $2,727.68 from Allstate and low of $1,553.40 from USAA. With the higher mileage group, the study’s representative average is $2,113.48. Study data shows that Allstate has the same high representative average of $2,727.67, and USAA has the low representative average, at $1,676.76.

Company

6,000 miles annually

12,000 miles annually

Allstate

$2,727.68

$2,727.67

Geico

$1,830.15

$1,896.73

Progressive

$2,226.85

$2,226.85

State Farm

$1,841.39

$2,039.40

USAA

$1,553.40

$1,676.76

Louisiana Car Insurance Rates by Coverage Type

Quadrant Information Services also considered average car insurance rates for low, medium, and high coverage, using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of insurance coverage and assigned the profiles a clean driving record, a good credit score, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.  

With each of the insurance companies in the study, average representative rates are the lowest with low coverage, increase with medium coverage, and increase more for high coverage, though the difference between tiers was bigger for some companies than for others. In Louisiana, the average representative rate for low coverage, according to our study, is $1,741.43. Study data shows Allstate has the highest representative rate for this group at $2,225.02 and USAA has the lowest at $1,417.23. For medium coverage, the average representative rate is $2,113.48, with a high representative rate of $2,727.67 from Allstate and a low representative rate of $1,676.76 from USAA. For high coverage, the average representative rate is $2,453.16. The highest average representative rate is from Allstate with $3,081.52 and the lowest representative rate is from USAA with $1,850.35.

Company

Low

Medium

High

Allstate

$2,225.02

$2,727.67

$3,081.52

Geico

$1,505.13

$1,896.73

$2,260.70

Progressive

$1,851.74

$2,226.85

$2,669.19

State Farm

$1,708.04

$2,039.40

$2,404.03

USAA

$1,417.23

$1,676.76

$1,850.35

Louisiana Car Insurance Rates by Credit Score

Our study reviewed the effects of credit score on car insurance rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

It is fair to wonder why credit history is a factor in insurance costs. The reasoning is that credit history lends insight into whether the potential customer is generally responsible (indicated by a high credit score) or generally irresponsible (indicated by a low credit score). According to our study, drivers in Louisiana with a good credit history pay an average representative rate of $2,113.48. The highest average representative rate comes from Allstate at $2,727.67 and the lowest representative rate comes from USAA at $1,676.76. Drivers with fair credit face average representative premiums of $2,577.48, with a high average representative rate of $3,065.45 from Allstate and a low representative rate of $1,995.46 from USAA. Drivers with poor credit pay the most, a statewide average representative rate of $3,726.19. The highest average representative rate for this driver profile comes from Allstate, $4,646.69, and Geico comes in with the cheapest representative rate, $2,876.10.

Company

Good

Fair

Poor

Allstate

$2,727.67

$3,065.45

$4,646.69

Geico

$1,896.73

$2,501.62

$2,876.10

Progressive

$2,226.85

$2,828.37

$4,047.20

State Farm

$2,039.40

$2,496.50

$3,812.39

USAA

$1,676.76

$1,995.46

$3,248.60

Louisiana Car Insurance Rates by Driving Record

As you might expect, a person's driving record has a large impact on insurance rates. To find out just how much of an effect, we compared driver profiles including those with a clean record, those with one speeding violation, those with one accident, and those with one instance of driving under the influence (DUI). These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

First, let’s look at the Louisiana driver profile with a clean record. The statewide average representative rate is $2,113.48, the high average representative rate is Allstate with $2,727.67, and the low average representative rate is USAA with $1,676.76. 

Next, drivers with one speeding violation pay an average representative rate of $2,607.27 across Louisiana. The highest average representative rate for this driver profile comes from Allstate at $3,243.70 and the lowest representative rate comes from USAA at $1,982.64.

The driver profile with one accident faces a statewide average representative rate of $3,230.99, a high average representative rate of $4,239.57 from Allstate, and a low average representative rate of $2,349.85 from USAA.

With a DUI on the record, according to study data for our driver profiles, average representative rates across Louisiana go a little higher, up to $3,239.26. The highest average representative rate is from Geico at $4,106.28 and the lowest average representative rate is from State Farm at $2,205.35.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,727.67

$3,243.70

$4,239.57

$3,738.63

Geico

$1,896.73

$2,609.21

$3,325.87

$4,106.28

Progressive

$2,226.85

$2,995.47

$3,868.39

$3,484.41

State Farm

$2,039.40

$2,205.35

$2,371.30

$2,205.35

USAA

$1,676.76

$1,982.64

$2,349.85

$2,661.65

Louisiana Car Insurance Rates by City

We checked our study's driver profiles in some of Louisiana's largest cities to find out how city of residence can affect insurance rates. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, up to 12,000 miles driven per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

New Orleans ($3,324.46) and Kenner ($2,679.78) have the highest representative rates in the state. We found the lowest rates for our profiles in Shreveport ($1,946.09) and Bossier City ($1,801.94).

City

Average Rate

New Orleans

$3,324.46

Baton Rouge

$2,492.24

Shreveport

$1,946.09

Lafayette

$2,103.29

Lake Charles

$2,076.35

Bossier City

$1,801.94

Kenner

$2,679.78

Monroe

$2,132.57

Alexandria

$2,284.28

Houma

$1,948.01

Louisiana Auto Insurance Minimum Coverage Requirements

The state of Louisiana requires all vehicles registered in the state to be insured with bodily injury liability coverage at a minimum legal requirement of $15,000 per person and $30,000 per accident, property damage liability coverage at a minimum legal requirement of $25,000, medical payments at a minimum of $1,000, and uninsured motorist bodily injury at a minimum of $15,000 per person and $30,000 per accident. The medical payments coverage and uninsured motorist bodily injury coverage may be waived.

Cheapest Car Insurance in Louisiana

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Young Adult Drivers

Geico

Married Male Adult Drivers

State Farm

Married Female Adult Drivers

Geico

Senior Male Drivers

State Farm

Senior Female Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Geico

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

To find which car insurance company offers the lowest rates in New Jersey, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and up to 12,000 miles driven per year. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The Quadrant Information Services data clearly shows that consumers in Louisiana can save the most money on car insurance premiums by sticking with a low coverage policy, establishing good credit, and maintaining a clean driving record.

Why Car Insurance Rates Vary in Louisiana

The highest risk drivers pay the highest car insurance rates, regardless of state. The Quadrant Information Services study shows that inexperienced drivers, those in high risk areas, or those who have a history of poor driving or financial irresponsibility will pay the highest premiums. Older drivers with good credit history and good driving records pay lower rates because they are less likely to be involved in an accident.

How to Get the Cheapest Car Insurance in Louisiana

To find the cheapest car insurance in Louisiana, you’ll benefit from taking steps such as establishing a good credit history and a good driving record.

When it comes time to shop around, you should familiarize yourself with common car insurance discounts. A common discount is the multi-policy or bundling discount, offered to customers who purchase more than one insurance policy from the same carrier. These can often include combining multiple vehicles, or combining an auto policy with homeowners insurance or renters insurance. 

You should also look for student discounts or good student discounts, as well as good driver discounts. Ask about employer or affinity discounts, which you may be eligible for if you work for a company or are a member of a group that has negotiated a group rate with an insurance company. 

Caption

Most major insurance companies offer discounts for certain professions, particularly teachers, active members of the military, and veterans. Some offer lower rates if you have a short commute and rack up very low miles, if your car is equipped with certain anti-theft or safety systems, or if you can show a certificate of completion from an approved driver training course. Some companies offer tracking programs. These use a car-based device or smartphone app to report your driving habits to your insurance company, which can result in a discount. Also look for discounts for enrolling in paperless, online billing, or automatic payment plans.

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Louisiana Driving Laws and Punishments

Louisiana’s driving laws and related penalties may be different than those in nearby states or around the country, and violations may result in higher auto insurance rates.

Louisiana has several laws on the books regarding device use while driving. The first specifically prohibits texting while driving and prohibits learner’s permit holders from using a cell phone. A first offense has a $175 fine and subsequent offenses have a $500 fine, and the fine can be doubled if a law enforcement officer determines a violation contributed to an accident.

All drivers under age 17 are prohibited from using wireless devices for communication, with a fine of $100 for the first offense, $250 for subsequent offenses, and fines doubled in the case of an accident.

Drivers in Louisiana who have held a driver’s license for less than one year, regardless of age, may not use a cell phone for any purpose while driving. The fine is $100 or community service for the first offense, up to $250 for subsequent offenses, and doubled in the event of an accident.

Louisiana’s penalties for DWI (driving while intoxicated) are applicable to drivers with a BAC (blood alcohol concentration) of .08 percent or more. The penalties increase in severity for repeat offenses. 

The first offense carries a fine of up to $1,000 and up to six months in jail. Drivers over 21 will lose their license for up to 90 days, and underage drivers can lose their license for up to six months.

The second conviction carries a fine of up to $1,000, jail time between 48 hours and six months, and loss of license up to one year.

A third conviction is a felony and carries a minimum of 45 days in jail and between one and five years in prison, a fine of up to $2,000, a two-year license suspension, possible vehicle seizure, and up to one year of substance abuse treatment.

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Further offenses carry up to 30 years in prison, a fine of up to $5,000, possible vehicle seizure, and mandatory substance abuse treatment.

The state of Louisiana is notified whenever a driver’s insurance is canceled or expires. In such a case, that driver won’t be allowed to renew a vehicle registration and will be in violation of the state’s insurance laws while driving. Financial penalties in Louisiana escalate the longer a driver drives without insurance.

Louisiana Car Insurance FAQs

Is car insurance required in Louisiana?

Louisiana has requirements for auto insurance that must be carried for every vehicle registered in the state.

Which cars are required to be insured in Louisiana?

All vehicles on the road in Louisiana must be insured.

When should I get car insurance in Louisiana?

Be prepared to show proof of insurance when registering a vehicle in Louisiana.

What happens if my car is not properly insured in Louisiana?

If you cancel your car insurance or let it lapse, your license is flagged in the state database. That means you won’t be allowed to renew your registration and if you’re pulled over, it will come up. The state can fine you $50 per violation up to 30 days. From 30 to 90 days, the fine is $150, and after 90 days, the fine increases to $300.

Is Louisiana a no-fault state?

Louisiana uses the fault system to determine who is responsible for financial losses related to a car crash, including injuries, property damage, and lost income. That means that if costs exceed the at-fault driver’s insurance coverage, the injured party or parties may pursue claims against the at-fault driver directly.

Do I need uninsured motorist coverage in Louisiana?

In Louisiana, motorists are required to purchase uninsured motorist bodily injury at a minimum of $15,000 per person and $30,000 per accident. However, drivers can waive this coverage.

Is liability insurance required in Louisiana?

Louisiana requires bodily injury liability coverage and property damage liability coverage. The minimum for bodily injury liability is $15,000 per person and $30,000 per accident, and the minimum for property damage liability is $25,000.

Does Louisiana accept digital insurance cards?

Louisiana is among the states that accepts digital insurance cards, which means that drivers can use their insurance company’s smartphone app to show proof of insurance when required.