Cheapest Car Insurance Quotes in Louisiana (2026)
Allstate has the best cheap car insurance in Louisiana. Full coverage from Allstate costs around $298 per month — $28 per month cheaper than the state average.
Find Cheap Auto Insurance Quotes in Louisiana
Best cheap car insurance in Louisiana
Best and cheapest car insurance in Louisiana
- Cheapest full coverage: Allstate, $298/mo
- Cheapest minimum liability: Allstate, $74/mo
- Cheapest for young drivers: Allstate, $253/mo
- Cheapest after a ticket: Farm Bureau, $312/mo
- Cheapest after an accident: Farm Bureau, $312/mo
- Cheapest for teens after a ticket: Allstate, $336/mo
- Cheapest after a DUI: Farm Bureau, $312/mo
- Cheapest for poor credit: Allstate, $298/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Farm Bureau has better customer service and comparable rates for most drivers in Louisiana, so you can get the support you need when filing a claim without paying high prices.
Allstate is the cheapest option for Louisiana drivers looking for either full coverage or liability only coverage. However, their customer service isn't the best, which could make filing a claim more difficult.
Cheapest car insurance in Louisiana: Allstate
Allstate and USAA have the cheapest full coverage car insurance in Louisiana.
Find Cheap Auto Insurance Quotes in Louisiana
- Allstate is the cheapest option for most Louisiana residents. Full coverage from Allstate costs $298 per month, which is $28 per month cheaper than the Louisiana average. It's also $13 per month less than the second-cheapest option, Farm Bureau.
- USAA also has very affordable rates for drivers that qualify. Its average price for full coverage is $210 per month.
- Farm Bureau offers affordable rates for full coverage insurance. Their rates aren't much higher than Allstate's, but they offer much better customer service. If you ever need to file a claim, choosing a company with good customer service could make the experience less stressful.
Best cheap full coverage insurance in Louisiana
Company | Monthly rate | |
|---|---|---|
| Allstate | $298 |
| Farm Bureau | $312 |
| State Farm | $319 |
| Progressive | $335 |
| Safeway | $340 |
*USAA is only available to current and former military members and their families.
Data-powered research on Louisiana car insurance
| Data-powered research on LA car insurance |
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Cheapest liability car insurance in Louisiana: Allstate
Allstate has the best cheap minimum liability insurance in Louisiana.
Allstate charges just $74 per month for minimum liability insurance, on average. That's $27 per month less than the Louisiana average of $101 per month.
Cheapest minimum coverage car insurance in Louisiana
Company | Monthly rate |
|---|---|
| Allstate | $74 |
| Progressive | $83 |
| Farm Bureau | $101 |
| AAA | $104 |
| State Farm | $109 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Louisiana
Best rates on Louisiana car insurance for teen drivers: Allstate
Allstate is the cheapest option in Louisiana for teens.
A minimum liability policy from Allstate costs around $253 per month for an 18-year-old driver. That's $86 per month less than the Louisiana average.
However, teens looking for full-coverage policies would be better off with Safeway, which offers rates around $795 per month. That's $89 per month less than Allstate.
Cheapest auto insurance quotes in Louisiana for teens
Company | Liability only | Full coverage |
|---|---|---|
| Allstate | $253 | $884 |
| Geico | $308 | $976 |
| Farm Bureau | $358 | $1,040 |
| AAA | $360 | $1,185 |
| Safeway | $370 | $795 |
*USAA is only available to current and former military members and their families.
An 18-year-old driver in Louisiana pays more than three times as much for car insurance as a 30-year-old driver. Younger drivers pay much more for car insurance because they don't have as much experience behind the wheel. This means they're typically more likely to get into accidents.
The best way for a young driver to save money on car insurance is to share a policy with an older driver, like a parent or sibling. A shared policy is typically much less expensive than buying a policy by yourself.
If you're under 17-years-old, it's illegal to text or make calls while driving in Louisiana. If you're caught using your cellphone while driving, you could be fined up to $100 for your first offense, $200 for your second offense and $400 if you cause a crash while on your phone.
Cheapest insurance in Louisiana after a speeding ticket: Farm Bureau
Farm Bureau has the most affordable insurance quotes in Louisiana for people with a recent speeding ticket. A full coverage policy from Farm Bureau costs $312 per month after a single speeding ticket. That's $90 per month cheaper than the state average.
Affordable auto insurance in Louisiana after a ticket
Company | Monthly rate |
|---|---|
| Farm Bureau | $312 |
| State Farm | $339 |
| Safeway | $347 |
| Allstate | $388 |
| Progressive | $432 |
*USAA is only available to current and former military members and their families.
Car insurance rates in Louisiana go up by an average of 23% after a single speeding ticket. That's an average increase of $74 per month for a full coverage policy.
Cheap car insurance quotes in Louisiana after an accident: Farm Bureau
Farm Bureau offers the cheapest quotes for Louisiana after an accident. At $312 per month, a full coverage policy from Farm Bureau costs $139 per month less than the Louisiana average.
Low cost car insurance in Louisiana after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $312 |
| State Farm | $319 |
| Safeway | $422 |
| Allstate | $449 |
| Progressive | $534 |
*USAA is only available to current and former military members and their families.
Drivers in Louisiana with an accident on their record pay 38% more for car insurance than those with a clean record.
You don't have to worry about switching car insurance companies right away after an accident. Your rates won't go up until your current policy is up for renewal. But any quotes you get beforehand will probably be higher than what you're paying now.
Instead, wait until your current company sends your renewal notice with your new rates. Then, you should get quotes from multiple companies to find the best price.
Cheapest in Louisiana for teens with a ticket or accident: Allstate
Allstate is the best insurance company for young drivers with a speeding ticket on their record, while Farm Bureau is the best for teens after an accident.
Allstate charges teens around $336 for a minimum liability policy after one ticket. That's $91 cheaper than average.
After an accident, minimum liability insurance from Farm Bureau costs $358 per month for an 18-year-old driver. That's $104 per month less than the state average.
Affordable quotes for Louisiana teens after a ticket or crash
Company | Ticket | Accident |
|---|---|---|
| Allstate | $336 | $411 |
| Farm Bureau | $358 | $358 |
| Safeway | $388 | $479 |
| State Farm | $416 | $379 |
| Progressive | $481 | $521 |
*USAA is only available to current and former military members and their families.
On average, car insurance quotes in Louisiana go up by 26% for young drivers after a single speeding ticket. Further, a recent accident will raise your rates by around 36%.
Cheapest Louisiana car insurance quotes after a DUI: Farm Bureau
Farm Bureau is the cheapest company for Louisiana drivers with a DUI citation. At $312 per month, full coverage from Farm Bureau is $196 per month less than the average rate for DUI insurance in Louisiana.
Cheap DUI car insurance in Louisiana
Company | Monthly rate |
|---|---|
| Farm Bureau | $312 |
| Progressive | $381 |
| Allstate | $388 |
| Safeway | $451 |
| AAA | $591 |
*USAA is only available to current and former military members and their families.
A DUI or DWI in Louisiana will raise your rates by an average of 55%.
In addition, Louisiana drivers may need SR-22 insurance after a DUI. Insurance companies typically charge between $15 and $50 to file an SR-22 form on your behalf. That's on top of any increase in your car insurance rates.
Cheap car insurance in Louisiana for drivers with poor credit: Allstate
Allstate has the most affordable quotes for Louisiana drivers with bad credit. A full coverage policy from Allstate costs around $298 per month, which is less than half the state average.
Best affordable car insurance for bad credit
Company | Monthly rate |
|---|---|
| Allstate | $298 |
| Safeway | $340 |
| Progressive | $577 |
| Geico | $603 |
| Farm Bureau | $645 |
*USAA is only available to current and former military members and their families.
Your credit score doesn't affect your ability to drive safely. But insurance companies believe that drivers with poor credit are more likely to make a claim. As a result, drivers with bad credit pay $360 more per month for car insurance in Louisiana than those with good credit.
Best car insurance in Louisiana
USAA has the best-rated auto insurance in Louisiana.
USAA has a reputation for excellent customer service. It also offers affordable car insurance quotes in Louisiana. However, USAA car insurance is only available to military members, veterans and their families.
State Farm and Farm Bureau are the best choices for drivers who can't get USAA. Both companies offer reliable customer service, but Farm Bureau typically has cheaper rates.
Top insurance companies in Louisiana
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Farm Bureau | 645 | A | |
| AAA | 652 | A+ | |
| Geico | 645 | A++ |
Safeway does not have a JD Power rating.
Average car insurance cost in Louisiana by city
Drivers in Hornbeck have the cheapest auto insurance in Louisiana, while New Orleans residents pay the most.
People living in Hornbeck, a small town near the Texas border, pay around $262 per month for a full coverage policy.
Auto insurance in New Orleans costs almost twice as much, at $523 per month. Car insurance rates are generally more expensive in larger cities, where there's more traffic and car theft.
Louisiana car insurance rates for full coverage
City | Monthly rate | % from average |
|---|---|---|
| Abbeville | $308 | -6% |
| Abita Springs | $317 | -3% |
| Acme | $302 | -8% |
| Addis | $374 | 15% |
| Aimwell | $289 | -11% |
Louisiana auto insurance minimum requirements
In Louisiana, the law requires you to have a minimum of 15/30/25 of liability insurance to register and drive a car. This helps pay for injuries to others or damage to their property after an accident you cause. Keep in mind you may face penalties if you drive without insurance in Louisiana.
The minimum limits required in Louisiana are:
- Bodily injury liability: $15,000 per person and $30,000 per accident
- Property damage liability: $25,000
What's the best car insurance to get in Louisiana?
Full coverage car insurance is the best choice for most people in Louisiana.
That's because full coverage insurance protects your car from damage with collision and comprehensive insurance.
- Collision insurance pays for damage after a crash with another object — like a car, building or pole — regardless of whose fault it is.
- Comprehensive insurance pays for damage outside of your control, like hail, vandalism or theft.
If you have a car loan or lease, your lender probably requires that you have collision and comprehensive coverage. These coverages are also a good idea if your car is less than eight years old or worth more than $5,000.
Full coverage also typically has higher liability limits than the minimum requirement. In Louisiana, the minimum requirement is fairly low, so it's unlikely that it’ll cover the full cost of a major accident.
For example, if you crash into a brand-new car, $25,000 probably won't be enough money to replace it. If you have minimum liability insurance, you'll have to pay the difference out of pocket.
Frequently asked questions
Who has the cheapest Louisiana car insurance rates?
In 2026, Allstate has the cheapest car insurance quotes in Louisiana, at $298 per month for full coverage. That's $28 per month cheaper than the statewide average. Allstate also has the cheapest minimum liability coverage, at $74 per month.
Is Geico a good car insurance company in Louisiana?
Geico is one of the most affordable insurance companies in most other states, but in Louisiana, its rates are among the most expensive. The company's average rate of $400 per month for full coverage auto insurance is $73 per month higher than the state average. Their customer service rating are also lower than companies like Farm Bureau and USAA.
How much is car insurance in Louisiana per month?
The average rate for car insurance in Louisiana is $327 per month for a full coverage policy and $101 per month for a minimum liability policy.
Is auto insurance cheaper in Texas or Louisiana?
Full coverage car insurance in Louisiana is $80 per month more expensive than the same coverage in Texas. Minimum liability coverage is also $14 per month more in Louisiana, despite Louisiana requiring less coverage.
Why is car insurance so expensive in Louisiana?
Louisiana is the second most expensive state in the country for a full coverage policy, with an average rate of $327 per month. Louisiana car insurance is expensive for various reasons, including the state’s high number of accidents and auto-related lawsuits.
How much is car insurance in New Orleans?
A full coverage car insurance policy in New Orleans costs $523 per month, which makes it the most expensive city in the state for car insurance. In comparison, auto insurance in Baton Rouge costs an average of $400 per month. These large cities typically have higher rates due to increased traffic and car theft.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Louisiana for the largest insurance companies in the state. Rates are for a 30-year-old man with good credit who drives a 2018 Honda Civic EX.
Quotes for full coverage include higher liability limits than the state requirement along with collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
