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 below to start comparing personalized car insurance quotes:
In this article:
- Cheapest Car Insurance Companies In Louisiana
- Best Car Insurance For Louisiana Drivers
- What Are Louisiana's Car Insurance Requirements
- What To Know About Driving In Louisiana
- Can You Drive Without Car Insurance In Louisiana?
- FAQs About Car Insurance: Louisiana
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 Provider||Average Annual Cost Estimate|
|Louisiana Farm Bureau||$1,482|
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 Coverage||Average Annual Expenditure|
*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.
|Age||Louisiana Annual Car Insurance|
Annual Louisiana Car Insurance Estimates By Gender
Male drivers may pay up to 7 percent more for auto insurance than female drivers in Louisiana.
|Gender||Louisiana Annual Car Insurance|
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 Rating||Louisiana Annual Car Insurance|
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 Record||Louisiana Annual Car Insurance|
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 Insurance||Motor1 Rating||Average Cost|
*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.
|Superior financial strength rating and A+ rating from the BBB||Average quotes experience|
|Many choices for coverage||Usage-based app not available in all states|
|High level of customer satisfaction|
|Available in 50 states|
To learn more about the car insurance provider, check out our review of Geico auto insurance.
#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, tying for first place in J.D Power’s 2020 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.
|Affordable rates and numerous discounts||Only available for military and their families|
|Good option for military members and young drivers|
|Superior financial strength rating and A- rating from the BBB|
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:
|Variety of discounts available||Must be a member of Farm Bureau|
|Coverage options range from basic to more comprehensive||Mixed customer service reviews|
|Convenient website and app to access account and policies||"A" financial strength rating from AM Best and "A" rating from the BBB|
#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
|Works through a network of local agents to provide coverage in 50 states||Expensive|
|Superior financial strength rating and A+ rating from the BBB||Mixed customer service reviews|
|Mileage-based discount program|
Learn more about coverage in our complete Allstate insurance review.
#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.
|Comprehensive coverage offerings and extensive selection of discounts||Reported errors with autopay|
|Largest auto insurer in the country||Not taking new customers in Massachusetts or Rhode Island|
|Positive customer reviews||Higher rates than some competitors|
|Available in 48 states|
|Superior financial strength rating and A+ rating from the BBB|
Read our State Farm insurance review to learn more about what this provider has to offer.
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:
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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