best car insurance: louisiana (2022)

Driving without insurance in Louisiana can lead to serious financial consequences, so make sure you’re covered before you hit the road.

Are you trying to find the best car insurance for Louisiana drivers? There are a lot of factors to consider when trying to find cheap car insurance that still provides the best coverage.

In this guide, we’re going to take an in-depth look at Louisiana car insurance: what’s required, risks specific to driving in the Pelican State, and our recommendations for the best Louisiana car insurance providers.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Use our tool above to start comparing personalized car insurance quotes.

Cheapest Car Insurance Companies In Louisiana

According to our rate estimates, Louisiana Farm Bureau is the cheapest car insurance company in the state with an average annual rate of $1,482. There are other great cheap car insurance options for Louisiana residents as well, such as USAA, State Farm, and Progressive.

Car Insurance ProviderAverage Annual Cost EstimateLouisiana Farm Bureau$1,482USAA$1,727State Farm$2,146Progressive$2,944Safeway$3,281

How Much Does Louisiana Car Insurance Cost?

While motorists shouldn’t drive without insurance under any circumstances, the high rate of uninsured drivers in Louisiana may be due to the state’s very high insurance rates.

In 2018, Louisiana car insurance was the most expensive in the nation, with drivers spending an average of $1,546 per year according to the Insurance Information Institute. The nationwide average for the same year was just $1,056.

Type Of CoverageAverage Annual ExpenditureLiability coverage$1,015Collision coverage$484Comprehensive coverage$248Total Cost$1,546

*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Louisiana drivers actually spent on auto insurance in 2018.

Annual Louisiana Car Insurance Estimates By Age

In Louisiana, 24-year-old drivers can pay up to 43 percent more for car insurance than 35-year-old drivers in the state.

AgeLouisiana Annual Car Insurance24$5,55135$3,867

Annual Louisiana Car Insurance Estimates By Gender

Male drivers may pay up to 7 percent more for auto insurance than female drivers in Louisiana.

GenderLouisiana Annual Car InsuranceFemale$3,743Male$3,991

Annual Louisiana Car Insurance Estimates For Drivers With Bad Credit

Having a fair or poor credit score can affect your car insurance rate immensely. In Louisiana, drivers with good credit can save up to 80 percent for auto insurance.

Credit RatingLouisiana Annual Car InsuranceGood$3,867Fair$4,767Poor$6,955

Annual Louisiana Car Insurance Estimates For Bad Drivers

A speeding ticket can increase car insurance rates by up to 25 percent in Louisiana, an at-fault accident by up to 25 percent, and a DUI by up 51 percent.

Driving RecordLouisiana Annual Car InsuranceClean$3,867Speeding Ticket$4,854At-Fault Accident$6,073DUI$5,853

Best Car Insurance For Louisiana Drivers

To find the best car insurance in Louisiana, we went through our list of top car insurance providers and re-examined all companies in light of Louisiana state laws and guidelines. These companies stood out as the best:

Best Louisiana Car InsuranceMotor1 RatingAverage Cost1. Geico Car Insurance4.6N/A2. USAA Car Insurance4.8$1,7273. Louisiana Farm Bureau4$1,4824. Allstate Auto Insurance4.2$3,3445. State Farm Auto Insurance4.6$2,146

*Not all companies were included in our rate estimates for each state. You may also notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for Louisiana car insurance.

#1 Geico Car Insurance: Our First Choice

During our research for the best Louisianan car insurance companies, Geico emerged as one of the best in the nation. It’s also our first choice for auto insurance in Louisiana. Geico is one of the best-known insurance providers worldwide thanks to its creative advertising. Luckily, the coverage Geico provides lives up to its promises of providing reasonably priced and comprehensive car insurance.

As the second-largest insurance provider in the U.S., Geico has a strong financial base to draw from. AM Best gave the company an A++ financial strength rating, which is the best rating possible. How does that affect you? Companies that have strong financials are more likely to fulfill claims. Plus, it’s less likely that financially strong companies will go out of business, suddenly leaving you uncovered after paying for your policy.

With Geico, motorists can take out Louisiana car insurance policies that span the six standard insurance types. Additional coverages are available too, including:

  • Mechanical breakdown insurance: This covers the cost of repairs that are not related to accidents, similar to an extended car warranty or a vehicle service contract.
  • Emergency roadside service: If your car breaks down and you need a tow or other emergency service, Geico will cover some of the cost.

In accordance with Geico ads promoting 15-percent savings, our research indicates that Geico policies are cheaper than the majority of the competition. While the company’s premiums are not as cheap as USAA’s, they are cheaper than most other competitors.

Geico is our top recommended provider nationwide and in Louisiana as well. Geico offers competitive rates and a pleasant customer service experience. Plus, its mobile app is one of the best we’ve seen and makes filing claims, updating your policy, and getting quotes quick and easy.

GEICO Pros and Cons

#2 USAA Car Insurance: Runner-Up

Although we rated USAA higher than Geico overall, we’re giving USAA car insurance the silver medal in Louisiana since its coverage is only available to military members and their families. That said, the coverage USAA provides is superb, and it deserves a mention and careful consideration if you’re an active service member, veteran, or a family member of one.

Financially, USAA is very strong, receiving an A++ rating from AM Best. Furthermore, it has the highest customer service ratings of any company we’ve reviewed, taking first place in J.D Power’s 2021 U.S. Auto Claims Satisfaction Study.

What’s more, USAA provides the cheapest average premiums of every company we’ve looked into, so motorists won’t need to choose between high-quality coverage and affordability when it comes to USAA. That makes the provider one of the best for car insurance in Louisiana.

USAA Pros and Cons

To learn more about the car insurance provider, check out our review of USAA insurance. If you are interested to learn more about how the insurance companies compare to each other, check out our review of Geico vs. USAA car insurance for more details.

#3 Louisiana Farm Bureau

Louisiana Farm Bureau is a smart choice for car insurance in Louisiana according to our research. This provider offers personal auto insurance, motorcycle insurance, and RV insurance. It has some of the most affordable car insurance rates in Louisiana. However, to qualify for coverage, drivers must be members of the Farm Bureau Association.

Here’s a list of discounts that could make Louisiana Farm Bureau insurance the most affordable plan for you:

  • Driveology®: Plug a small device into your vehicle that will collect data about your safe driving habits and qualify you for cheaper insurance rates.
  • Young driver safety program: Any driver under 25 years old can elect to take this course to save money.
  • Low-mileage discount: By driving less than 7,500 miles per year, you could save up to 20 percent.
  • Good student discount: Students or recent graduates who have maintained a B average or higher could qualify for a discount based on their grades.

The Louisiana Farm Bureau has a financial strength rating of an A from AM Best, which bodes well for the company’s ability to pay claims. The company also has an A from the BBB, which is a positive indication of how the company interacts with its customers.

Weigh the pros and cons of car insurance from Louisiana Farm Bureau before making a final decision:

#4 Allstate Car Insurance

Allstate has good ratings among customers and an excellent reputation among industry experts. This provider could be the right choice for drivers looking for car insurance in Louisiana.

In line with its strong ratings, Allstate offers standard insurance plus the following additional coverage options:

  • Rideshare insurance: Protects drivers who work for Uber or another ridesharing service
  • Classic car insurance: Protects antique vehicles, custom builds, and hot rods
  • Mexico travel insurance: Protects your vehicle when you take it on a road trip to Mexico

Custom parts and equipment coverage: Protects aftermarket-installed parts or stereo equipment

#5 State Farm Auto Insurance

State Farm is a good choice to underwrite car insurance in Louisiana. This provider offers a wide variety of discounts, usage-based safe driving, and affordable rates.

If you’re looking for high liability coverage limits, State Farm has you protected with coverage limits up to 500/500/500. With limits like these, you won’t have to worry about not having enough liability coverage to satisfy Louisiana’s minimum car insurance.

These money-saving features could make State Farm a smart choice:

  • Steer Clear program®: A safe driving education course for drivers under 25 years old that could get you a discount on Louisiana car insurance
  • Drive Safe & SaveTM: A usage-based safe driving program that monitors driving habits through an app on your phone to help you save money

A few additional options with State Farm auto insurance include rental and travel expense coverage, rideshare coverage, and roadside assistance.

State Farm Auto Insurance Pros and Cons

What Are Louisiana’s Car Insurance Requirements?

If you plan on driving in Louisiana, you need to have an auto insurance policy in place.

Each state sets the amounts motorists must be covered for. This is set at a per person or per accident level. For example, one state may require $15,000 of liability auto insurance per accident, while another may require $30,000 per person. But remember: State requirements are only the minimum coverage levels you must have in place. You can always get more, and most drivers are recommended to take out more than minimum coverage.

The minimum requirements for car insurance in Louisiana are:

  • Bodily injury liability coverage: $15,000 per person and $30,000 per accident
  • Property damage liability coverage: $25,000
  • Medical payments insurance: $1,000
  • Uninsured motorist bodily injury coverage: $15,000 per person and $30,000 per accident

Drivers in Louisiana are able to reject medical payments insurance and uninsured motorist bodily injury coverage by sending a letter to the state, so if you don’t want to pay for those coverages, you don’t have to. However, Louisiana has a very high percentage of uninsured drivers according to the Insurance Information Institute – 13 percent of all drivers in the state as of 2015 – so it’s a good idea to be covered if you can afford it.

What To Know About Driving In Louisiana

As mentioned, Louisiana has a very high rate of uninsured drivers on the road, so motorists are advised to have strong un/underinsured motorist coverage.

It’s important to note that Louisiana is not a no-fault state. This means that if you’re in an accident, the court will attempt to determine who was at fault in the accident. The offending party is then responsible for damages.

Motorists in Louisiana also have the option of providing alternative proof of financial responsibility, which will waive insurance requirements. These include:

  • Surety bonds: A surety bond that’s valid for $55,000 in payments is sufficient proof of financial responsibility.
  • Real estate bonds: If you get a real estate bond approved by a county judge and two other guarantors, you can skip out on the minimum requirements for car insurance in Louisiana.
  • Cash or security deposits: If you deposit $30,000 with the Louisiana State Treasurer, your car insurance requirements will be waived.
  • Self-insurance: You can pay a $1,000 fee for each vehicle you’d like to insure and skip the state car insurance requirements if you have:
    • 26 or more vehicles registered under your name
    • Property that you own in Louisiana
    • Assets worth $100,000 or more
    • No previously canceled self-insurance certificates within the last five years

Can You Drive Without Car Insurance In Louisiana?

While driving without Louisiana car insurance won’t land you behind bars, doing so can have very serious financial consequences.

Perhaps more importantly, uninsured motorists may not be able to recover the full cost of damages if they’re in an accident, even if they weren’t at fault. According to Louisiana’s “No Pay, No Play” law, uninsured drivers are unable to recoup the first $25,000 in property damage and the first $15,000 in bodily injury after an accident even if they’re owed it.

Use the tool below to collect and compare car insurance quotes from providers available in your state:

FAQs About Car Insurance: Louisiana

Who has the cheapest car insurance in Louisiana?

USAA generally has the cheapest car insurance nationwide and consequently in Louisiana as well. However, it’s only available to active service members, veterans, and their families. After USAA, we found Geico to be an affordable option for auto insurance in Louisiana.

What is the minimum car insurance in Louisiana?

The minimum requirements for car insurance in Louisiana are:Bodily injury liability: $15,00 per person/$30,000 per accidentProperty damage liabilityMedical payments: $1,000
Uninsured motorist bodily injury coverage: $15,000 per person/$30,000 per accident

Is Louisiana a no-fault car insurance state?

No, Louisiana is not a no-fault car insurance state. This means that in the case of an accident, a court will attempt to determine who is at fault in the accident. The offending party will then be responsible for paying the damages.

Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

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