Louisiana Auto Insurance (2024)
Louisiana auto insurance laws require drivers to carry 15/30/25 in liability. You'll find the cheapest car insurance in Louisiana with minimum coverage, which averages $66/mo. Below, we'll help you find the best car insurance quotes in Louisiana and explain Louisiana's auto insurance grace period.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Auto insurance coverage requirements in Louisiana include bodily injury and property damage liability
- It can be harder for drivers to find cheap Louisiana car insurance with infractions like DUIs
- Drivers should compare quotes to find the cheapest auto insurance in Louisiana
Louisiana auto insurance rates are some of the highest in the U.S., as a full coverage auto insurance policy costs an average of $275 monthly. Of course, you’ll pay around $66 monthly if you only need to meet Louisiana minimum auto insurance requirements.
Most drivers don’t have hundreds of dollars to spend each month on car insurance coverage in Louisiana, so it’s important to learn how to find cheap auto insurance.
Our Louisiana auto insurance guide goes over everything you need to know about getting auto insurance in Louisiana — including auto insurance laws, rates, and coverage grace periods — to help you find the best car insurance in Louisiana for you.
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Cheapest Louisiana Auto Insurance Companies
We’ve outlined multiple factors that affect car insurance rates and listed which insurance companies are the cheapest for each factor, from minimum coverage to young driver insurance.
Cheapest Louisiana Auto Insurance Company for Minimum Coverage
Drivers who wish to lower their insurance costs may opt just to carry minimum liability auto insurance, which all Louisiana drivers must carry to drive legally. This can be a good option for drivers with old cars that aren’t worth much, although drivers with newer, more expensive cars should consider full coverage.
Shopping around can make minimum insurance coverage cheaper, which leaves more room in your budget for full coverage.
Liability Auto Insurance Average Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
In Louisiana, Geico and USAA are some of the cheapest companies on average for minimum liability insurance. In contrast, the more expensive companies in Louisiana cost about $500 more than Geico and USAA. Learn more in our Geico auto insurance review.
Cheapest Louisiana Auto Insurance Company for Full Coverage
Full coverage car insurance better protects drivers after an accident, but it comes with a higher price tag. However, choosing one of the cheaper companies can reduce your rates.
Full Coverage Auto Insurance Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
The cost difference between the cheapest and most expensive companies can be thousands of dollars. For example, Allstate’s average rate is well over $2,000 more than USAA’s average rate in Louisiana.
Cheapest Louisiana Auto Insurance Company for Accidents
At-fault accidents on your record will raise your auto insurance rates in Louisiana, but how much they increase depends on your choice of insurance company. Below, you can see the average insurance rates in Louisiana after an at-fault accident.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
Progressive and Allstate have some of the most expensive rates after an at-fault accident, costing thousands of dollars more than companies like USAA. One of the best ways to improve your rates after an at-fault accident is to keep a clean driving record. You will see your rates start to decrease each year you go accident-free, making it easier to get cheap auto insurance in Louisiana.
Find out more in our Progressive auto insurance review.
Cheapest Louisiana Auto Insurance Company for DUIs
DUIs are another infraction that will raise your insurance rates significantly. If your rate goes up by more than a few hundred, check to see if your insurance rates are still the cheapest.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
The cost of car insurance between companies can range in price by thousands of dollars for drivers with a DUI. USAA has some of the cheapest rates for DUI drivers, as do State Farm and Geico.
Find out more in our USAA auto insurance review.
Cheapest Louisiana Auto Insurance Company for Drivers With Bad Credit
Bad credit leads to higher rates at most insurance companies, as bad credit indicates drivers are at a higher risk of not making payments. Missed payments can result in canceled insurance and driving without insurance, which is illegal. However, not all insurance companies will raise rates significantly for poor credit scores.
Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| AAA | $245 | $165 | $135 |
| Allstate | $296 | $197 | $166 |
| American Family | $203 | $136 | $116 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Hartford | $230 | $155 | $120 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| U.S. Average | $226 | $148 | $123 |
Geico and USAA have the cheapest rates, costing almost $10,000 less than companies like State Farm. If you find your rates have increased due to your credit score, work on improving your credit score and see if a different company will offer a better rate.
Cheapest Louisiana Auto Insurance Company for Young Drivers
If young drivers have to purchase their own insurance policy because they can’t stay on their parents’ insurance, then finding a cheap auto insurance company is vital. Young drivers pay thousands more than older drivers; due to their inexperience, insurance companies label young drivers as high-risk.
Full Coverage Auto Insurance Monthly Rates for Teen Drivers
| Insurance Company | 16-Year-Old Female | 16-Year-Old Male | 18-Year-Old Female | 18-Year-Old Male |
|---|---|---|---|---|
| Allstate | $608 | $638 | $448 | $519 |
| American Family | $390 | $480 | $288 | $390 |
| Farmers | $778 | $742 | $573 | $603 |
| Geico | $298 | $312 | $220 | $254 |
| Liberty Mutual | $716 | $778 | $528 | $633 |
| Nationwide | $411 | $476 | $303 | $387 |
| Progressive | $801 | $814 | $591 | $662 |
| State Farm | $311 | $349 | $229 | $284 |
| Travelers | $709 | $897 | $523 | $729 |
| U.S. Average | $558 | $610 | $411 | $496 |
Young drivers should look into companies like USAA and Geico for insurance and avoid companies like Progressive in order to save thousands of dollars on auto insurance.
Cheapest Louisiana Auto Insurance Company by City
Another factor that can affect car insurance rates is which city you live in. Insurance companies assess risks based on weather, crime, crashes, and more.
New Orleans, LA auto insurance has the most expensive rates of all cities in Louisiana, costing thousands of dollars more on average than cities like Shreveport. Read more about Shreveport, LA auto insurance. If you live in New Orleans, get plenty of car insurance quotes for the best deal.
Louisiana Auto Insurance and DUI Laws
How much insurance you carry and any infractions like DUIs will affect your monthly insurance costs. Read on to learn about Louisiana’s insurance laws and DUI penalties.
Louisiana Auto Insurance Requirements
Every driver in Louisiana must carry property damage and bodily injury (BIL) liability auto insurance. If you cause an accident, bodily injury liability pays for any injuries to other parties, and property damage liability pays for any damages to other parties property. Read more about the best property damage liability (PDL) auto insurance companies.
All drivers must purchase the following limits:
- Bodily injury liability insurance: $15,000 per person and $30,000 per accident
- Property damage liability insurance: $25,000 per accident
These limits refer to the maximum amount your insurance will pay to other parties. So if you total another person’s car that is worth $30,000, your insurance will only pay $25,000 for damages, leaving you liable for the rest. So, we highly recommend drivers carry more than the minimum amount required in their state.
Optional Auto Insurance Coverages in Louisiana
While lenders require drivers with leases or loans on their cars to carry comprehensive or collision insurance, the following coverages are optional in Louisiana.
- Comprehensive: Comprehensive auto insurance helps if your car is damaged in a non-accident-related event, like severe weather or vandalism.
- Collision: Collision auto insurance helps pay for repairs if your car is damaged in an accident. Without collision coverage, you may have to pay for repairs to your vehicle out of pocket.
- Gap coverage: Gap insurance helps pay the difference between what you owe on your car and what your car is actually worth after depreciation.
- Medical payments (MedPay): MedPay pays for medical bills, doctor’s visits, and other medical costs associated with a covered event.
- Roadside assistance: Roadside assistance coverage helps if your car breaks down and you’re in need of certain assistance, like fuel services or flat tire repair.
- Uninsured/underinsured motorist coverage: Uninsured motorist (UM) coverage allows you to be reimbursed after an accident by your own insurance company if the at-fault individual doesn’t carry proper Indiana-mandated liability coverage.
- Rental car reimbursement: Rental car reimbursement coverage pays for the cost of a rental vehicle up to a certain amount if your car is in the shop due to a covered event.
If you can afford to add optional coverages to your policy, we highly recommend carrying comprehensive and collision insurance. These coverages will pay for damages to your car after an accident.
DUI Penalties in Louisiana
If you get a DUI in Louisiana, your insurance company will raise your rates to compensate for you now being a high-risk driver. However, you will also face the following penalties in Louisiana, all of which will cost you time and money.
- Fines
- Ignition interlock device (IID)
- Jail time
- License suspension
- Probation and substance abuse treatment
- SR-22 certificate
Penalties will increase in severity with each DUI, so a driver’s first DUI will be much less severe than a driver’s third DUI.
SR-22 Auto Insurance in Louisiana
Cheap SR-22 insurance isn’t a type of insurance, but rather a certificate your insurance company provides the state with that proves you are carrying the necessary insurance. If you are currently insured, you can request that your insurance company file the SR-22 certificate.
However, some insurance companies may drop you if you have to file an SR-22 certificate, as you are a high-risk driver. If you have to apply to new insurance companies for insurance, they may charge a fee to file the SR-22 insurance.
In addition, if you don’t own a car, you will still need to purchase non-owner insurance to apply for the mandated SR-22 insurance. Generally, non-owner car insurance is cheaper than standard coverage.
If you're borrowing a car🚗, the owner's insurance will likely cover you. But if you frequently drive a car not in your name, you may need a different plan 💡to ensure you're covered. https://t.co/27f1xf1ARb has provided an informational guide here👉: https://t.co/mw0HlAO68e pic.twitter.com/DTDvADITAx
— AutoInsurance.org (@AutoInsurance) September 12, 2023
So, you may find it easier to find cheap insurance in Louisiana when shopping for non-owner insurance.
Find the Cheapest Auto Insurance in Louisiana Today
Find the cheapest Louisiana auto insurance by comparing quotes from the best auto insurance companies. While rates will be more expensive for drivers with DUIs, at-fault accidents, and other infractions on their driving records, comparing companies can save drivers money. Read more about auto insurance for drivers with a bad driving record.
Start saving on auto insurance in Lousiana by entering your ZIP code into our free quote comparison tool for the cheapest rates in your area.
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Frequently Asked Questions
Which company has the cheapest auto insurance in Louisiana?
Some of the cheapest auto insurance companies in Louisiana are USAA and Southern Farm Bureau. However, the best company for you depends on your individual driver profile and coverage needs. So, it’s important to shop around and get quotes for the best car insurance in Louisiana.
How much is car insurance in Louisiana?
Full coverage car insurance in Louisiana is an average of $275 per month.
Why is Louisiana auto insurance so expensive?
Louisiana car insurance quotes are higher than the national average since Louisiana poses a higher risk for flooding and other factors. Expect to pay higher insurance rates in Louisiana, even if you buy a policy from one of the cheapest companies.
What is the minimum auto insurance in Louisiana?
All drivers must carry bodily injury and property damage liability insurance to follow Louisiana auto insurance laws. Not carrying these Louisiana auto insurance coverages can result in fines, SR-22 insurance, suspended licenses, and more.
Is Louisiana considered a no-fault state?
No, Louisiana isn’t a no-fault state. So, the driver who caused the accident is responsible for other drivers’ medical and property damage bills. Read more about how to sue a driver who is uninsured.
How can I find the best auto insurance rates in Louisiana?
To find the best auto insurance rates in Louisiana, it’s important to compare quotes from multiple companies. Each company evaluates risk factors differently, so shopping around can help you find the most affordable car insurance in Louisiana.
Is there a Louisiana auto insurance grace period?
There is a Louisana auto insurance grace period of 7 to 30 days.
Is it illegal to not have auto insurance in Louisiana?
Yes, all Louisiana drivers must carry the minimum auto insurance required in Louisiana. Driving without auto insurance is a violation of auto insurance laws in Louisiana.
However, you have a Louisiana auto insurance grace period of 7 to 30 days in most cases.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.