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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, as well as 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.

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 rankings 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 nine 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. 

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To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and 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.

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 $2,192.

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 $2,802. Next is Progressive, with an average statewide rate of $2,363. Geico lands in the middle, with an average rate of $2,295. The two cheapest major insurance companies in Louisiana based on statewide averages are State Farm at $2,059 and USAA at $1,439, 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. Based on these representative study rates, with Allstate, our driver profile will pay about 28% more than the statewide average of $2,192, while at the low end, USAA’s study rate represents a savings of about 34% compared to the statewide average.

Louisiana Car Insurance Rates by Age

Company

25-year-old female

25-year-old male

35-year-old female

35-year-old male

60-year-old female

60-year-old male

Allstate

$2,907

$3,131

$2,654

$2,654

$2,735

$2,735

Geico

$2,585

$2,044

$2,382

$2,208

$2,297

$2,255

Progressive

$2,841

$2,886

$2,399

$2,188

$1,831

$2,033

State Farm

$2,198

$2,461

$1,989

$1,989

$1,858

$1,858

USAA

$1,673

$1,734

$1,345

$1,325

$1,284

$1,273

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 $2,441 a year for car insurance in Louisiana, and the 25-year-old male driver profile has average rates of $2,451. 

The highest representative rate for the male driver profile in this age group is from Allstate, at $3,131, and the lowest is from USAA, at $1,734. Allstate’s representative rate is about 28% more than the statewide average, and USAA’s rate is about 29% less than the statewide average. For the female driver profile, the highest representative average rate is from Allstate, $2,907, and the lowest is $1,673 from USAA. Compared to the statewide average study rate for this driver profile, study data shows Allstate charges about 19% more and USAA charges about 31% less.

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 $2,154 statewide, with a high representative average of $2,654 from Allstate and a low representative average of $1,345 from USAA. The average representative rate for the male driver profile in this age group is $2,073 with a high average representative rate of $2,654 from Allstate and a low representative average of $1,325 from USAA. According to our profile and study data, Allstate’s rate represents an increase of 25% over the statewide average for this group, and USAA’s rate represents a savings of about 36%.

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 $2,001 according to study data. The study says that the highest representative average for this driver profile is from Allstate, $2,735 and the lowest representative average is from USAA, $1,284. These rates represent an increase of about 37% above average from Allstate, and about 36% below average from USAA. For the male driver profile in this age group, study data shows the representative average is $2,031. The most expensive average representative rate for the male driver profile in this age group is from Allstate, at $2,735. USAA is the cheapest representative rate, at $1,273, according to the study. For this driver profile, on the high end with Allstate, study rates are about 30% above average and on the low end with USAA, study rates are about 37% below average.

To determine the average rates 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.

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Louisiana Car Insurance Rates by Mileage

Company

6,000 miles annually

12,000 miles annually

Allstate

$2,802

$2,802

Geico

$2,215

$2,295

Progressive

$2,363

$2,363

State Farm

$1,858

$2,059

USAA

$1,336

$1,439

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 $2,115, with a high of $2,802 from Allstate and low of $1,336 from USAA. With the higher mileage group, the study’s representative average is $2,192. Study data shows that Allstate has the same high representative average of $2,802, and USAA has the low representative average, at $1,439. Based on the statewide average study rates, the average car insurance savings for driving fewer miles is only about 4%.

We created two driver profiles to compare how annual mileage can change car insurance rates: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Louisiana Car Insurance Rates by Coverage Type

Company

Low

Medium

High

Allstate

$2,299

$2,802

$3,157

Geico

$1,825

$2,295

$2,730

Progressive

$1,902

$2,363

$2,895

State Farm

$1,729

$2,059

$2,422

USAA

$1,195

$1,439

$1,638

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 $1,790. Study data shows Allstate has the highest representative rate for this group at $2,299 and USAA has the lowest at $1,195. These study rates represent about 28% above average for Allstate and about 33% below average for USAA. 

For medium coverage, the average representative rate is $2,192, with a high representative rate of $2,802 from Allstate and a low representative rate of $1,439 from USAA. Allstate’s study rate is about 28% above average for this profile, and USAA’s is about 34% below average. 

For high coverage, the average representative rate is $2,568. The highest average representative rate is from Allstate with $3,157 and the lowest representative rate is from USAA with $1,638. Allstate’s average representative rate for this profile is about 23% above average, and USAA’s represents a savings of about 36% from the average.

We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Louisiana Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$2,802

$3,275

$4,097

Geico

$2,295

$3,033

$3,490

Progressive

$2,363

$3,053

$4,075

State Farm

$2,059

$2,522

$3,857

USAA

$1,439

$1,610

$2,317

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 $2,192. The highest average representative rate comes from Allstate at $2,802 and the lowest representative rate comes from USAA at $1,439. 

Drivers with fair credit face average representative premiums of $2,699, with a high average representative rate of $3,275 from Allstate and a low representative rate of $1,610 from USAA. 

Drivers with poor credit pay the most, a statewide average representative rate of $3,567. The highest average representative rate for this driver profile comes from Allstate, $4,097, and Geico comes in with the cheapest representative rate, $2,317. The takeaway here is that credit score has a huge impact on car insurance premiums. 

With Allstate, the difference between the representative rates for the good and poor credit profiles is an increase of 46%; with USAA, the difference is an increase of 61%.

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Louisiana Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,802

$3,333

$4,360

$3,841

Geico

$2,295

$2,887

$3,176

$4,773

Progressive

$2,363

$3,225

$4,236

$3,619

State Farm

$2,059

$2,226

$2,393

$2,226

USAA

$1,439

$1,827

$2,124

$2,235

First, let’s look at the Louisiana driver profile with a clean record. The statewide average representative rate is $2,192, the high average representative rate is Allstate with $2,802, and the low average representative rate is USAA with $1,439. 

Next, drivers with one speeding violation pay an average representative rate of $2,699 across Louisiana. The highest average representative rate for this driver profile comes from Allstate at $3,333 and the lowest representative rate comes from USAA at $1,827.

The driver profile with one accident faces a statewide average representative rate of $3,258, a high average representative rate of $4,360 from Allstate, and a low average representative rate of $2,124 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 $3,339. The highest average representative rate is from Geico at $4,773 and the lowest average representative rate is from State Farm at $2,226.

With most of the insurance companies in our study, rates increase steadily from the clean record profile, to a single speeding violation, to a single accident, to a single DUI. Allstate is among the outliers here because the representative rate is highest for a single accident; the net increase from a clean record to an accident is 56%. With USAA, the increase from a clean record to a DUI is 55%. Across the insurance companies rated in the study, the average increase from a clean record is 52%.

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Louisiana Car Insurance Rates by City

City

Average Rate

Alexandria

$2,355

Baton Rouge

$2,570

Bossier City

$1,890

Houma

$1,975

Kenner

$2,676

Lafayette

$2,181

Lake Charles

$2,166

Monroe

$2,224

New Orleans

$3,410

Shreveport

$2,027

New Orleans ($3,410) and Kenner ($2,676) have the highest representative rates in the state. We found the lowest rates for our profiles in Houma ($1,975) and Bossier City ($1,890). New Orleans’ average rate is about 45% higher than that of Bossier City.

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Iowa’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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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

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Male Young Adult Drivers

Geico

Female Young Adult Drivers

State Farm

Married Adult Drivers

State Farm

Male Senior Drivers

State Farm

Female Senior Drivers

Progressive

Drivers with Good Credit

State Farm

Drivers with Poor Credit

Geico

Drivers with a Clean Record

State Farm

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Low-mileage Drivers

State Farm

High-mileage Drivers

State Farm

Drivers with Low Coverage

State Farm

Drivers with High Coverage

State Farm

Drivers with Used Cars

State Farm

Drivers with New Cars

State Farm

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.

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, and a clean driving record. Our profiles included males and females aged 25, 35, and 60 who drove 12,000 miles per year. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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. 

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. 

Important Laws Around Auto Insurance in Louisiana

If you plan to register and insure a vehicle in Louisiana, you should be familiar with the following laws. Furthermore, violations of these laws may affect your car insurance rates even if you don’t live in Louisiana.

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% or more. The penalties increase in severity for repeat offenses. 

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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.

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?

Yes, 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?

Yes, 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?

Yes. 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?

Yes, 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?

Yes, 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.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

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