Best & Cheapest Louisiana Car Insurance Companies as Rated by Customers in 2024

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#1
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USAA
4.72 ★★★★★
4.72 ★★★★★
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Excellent
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#2
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PURE
4.49 ★★★★★
4.49 ★★★★★
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Excellent
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#3
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4.18 ★★★★★
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Excellent
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#4
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4.17 ★★★★★
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Excellent
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#5
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4.15 ★★★★★
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Excellent
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#6
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the hartford
4.15 ★★★★★
4.15 ★★★★★
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Excellent
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#7
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AAA
4.12 ★★★★★
4.12 ★★★★★
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Excellent
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#8
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4.10 ★★★★★
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Excellent
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#9
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4.10 ★★★★★
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Excellent
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#10
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4.06 ★★★★★
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Excellent
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#11
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Nationwide
4.04 ★★★★★
4.04 ★★★★★
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Excellent
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#12
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MetLife, Inc.
4.02 ★★★★★
4.02 ★★★★★
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Excellent
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#13
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allstate
4.00 ★★★★★
4.00 ★★★★★
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Excellent
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#14
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3.98 ★★★★★
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Excellent
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#15
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Esurance, Inc.
3.98 ★★★★★
3.98 ★★★★★
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Excellent
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#16
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3.95 ★★★★★
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#17
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3.92 ★★★★★
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#18
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3.91 ★★★★★
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#19
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3.83 ★★★★★
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#20
/57
3.83 ★★★★★
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#21
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3.82 ★★★★★
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#22
/57
3.72 ★★★★★
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#23
/57
3.62 ★★★★★
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#24
/57
3.57 ★★★★★
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#25
/57
3.55 ★★★★★
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#26
/57
3.53 ★★★★★
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#27
/57
3.39 ★★★★★
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Excellent
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#28
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clearcover
3.36 ★★★★★
3.36 ★★★★★
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Excellent
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#29
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GoAuto
3.33 ★★★★★
3.33 ★★★★★
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Excellent
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#30
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Root Insurance
3.33 ★★★★★
3.33 ★★★★★
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Excellent
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#31
/57
3.30 ★★★★★
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Excellent
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#32
/57
3.30 ★★★★★
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#33
/57
3.25 ★★★★★
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#34
/57
3.25 ★★★★★
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#35
/57
3.08 ★★★★★
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#36
/57
2.64 ★★★★★
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#37
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Good2Go
2.52 ★★★★★
2.52 ★★★★★
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Excellent
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#38
/57
4.92 ★★★★★
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Excellent
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#39
/57
4.73 ★★★★★
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Excellent
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#40
/57
4.30 ★★★★★
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#41
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Hagerty
4.00 ★★★★★
4.00 ★★★★★
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Excellent
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#42
/57
3.39 ★★★★★
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#43
/57
3.34 ★★★★★
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#44
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3.28 ★★★★★
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#45
/57
3.13 ★★★★★
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#46
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Spartan Insurance
2.94 ★★★★★
2.94 ★★★★★
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#47
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2.90 ★★★★★
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Excellent
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#48
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RentalCover.com
2.90 ★★★★★
2.90 ★★★★★
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Excellent
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#49
/57
2.82 ★★★★★
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#50
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2.49 ★★★★★
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#51
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1.94 ★★★★★
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#52
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1.57 ★★★★★
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#53
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0.00 ★★★★★
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Excellent
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#54
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0.00 ★★★★★
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Excellent
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#55
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Vault Insurance
0.00 ★★★★★
0.00 ★★★★★
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Excellent
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#56
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Noblr
0.00 ★★★★★
0.00 ★★★★★
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Excellent
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#57
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0.00 ★★★★★
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Customers see ads from insurance companies promising the best cheap car insurance. It can be hard to distinguish which Louisiana car insurance company is the best fit for you. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Louisiana.

With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies. Our readers see the good, the bad, and the ugly before they put in their zip code to get an insurance quote.

In the table above, you can sort through all the Louisiana car insurance companies ranked on Clearsurance. The rating next to each company the insurer's Clearsurance score is based exclusively on the ratings provided by customers.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Louisiana car insurance rankings.

Interested in learning more about one of these Louisiana car insurance companies? You can visit the company's profile page to find out what additional coverage they offer, any list of discounts they offer, and read car insurance reviews to learn from the experiences of other policyholders. This way, you can make a confident decision when looking at affordable options, and you'll also know what goes into getting you an accurate quote.

On this page:

Who offers the cheapest teen auto insurance rates in Louisiana?

Out of the five largest car insurance companies in Louisiana, Louisiana Farm Bureau is the cheapest car insurance option for female teen drivers on average. Allstate is the cheapest for male teens.

Teens often don't have a clean driving record to show because they haven't been driving that long. A clean record takes a while to build up. They're also more likely to get in accidents because they are still learning. While there are things that a teen could do to ensure they receive better coverage rates, such as enrolling in a defensive driving course or getting excellent grades in school, an insurer is still going to see a teen as a high-risk driver most of the time.

Liability car insurance takes all this into account. The average cost goes down if you actively seek out discounts available for teens. The table below displays average Louisiana teen car insurance rates for male and female drivers.

Company Female teen ratesMale teen rates
Allstate Insurance $1,981 $2,128
Geico $2,964 $2,911
Louisiana Farm Bureau Insurance Company $1,832 $2,483
Progressive $4,862 $5,598
State Farm Insurance Company $2,221 $2,616

These rates are based on profiles for 18-year-old male and female drivers in Louisiana. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Louisiana will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest auto insurance rates for a married couple in Louisiana?

A married couple can see a better annual premium if they work together, and both have excellent and safe driving habits. By pooling their coverage together, they end up saving money.

They will also have more driving experience with the two of them combined, and if they are in their 30's, they are more likely to own a home or rent and carry renters insurance. They might have a boat, motorcycle, or other property. So they can bundle their policies to save money. We used moderately priced cars with 100/300/50 limits and a $500 comprehensive and collision deductible.

Out of the five most popular car insurance companies in Louisiana, married couples in Louisiana can find the cheapest car insurance with GEICO. Again, individuals who take advantage of non-standard discounts with an insurer may get even lower rates.

If you don't have a clean driving record, your rate would go up. If you want a lower deductible on your collision insurance, you should expect to pay more. GEICO is known as a price leader. So for many, even with small variances, GEICO is the auto insurer that will still provide the cheapest auto insurance.

The table below gives you a look at Louisiana car insurance rates for a married couple with two cars on a policy from the five largest companies in the state by market share.

Company Married couple rates
Allstate Insurance $3,021
Geico $2,665
Louisiana Farm Bureau Insurance Company $3,139
Progressive $4,095
State Farm Insurance Company $3,490

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Louisiana will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior auto insurance rates in Louisiana?

In the table below, you can see Louisiana car insurance rates for male and female senior drivers for the five largest companies in the state by market share.

The sample drivers are 65 years old driving a 2015 Toyota Camry LE with 100/300/50 limits and a $500 deductible. They have no incidents recorded within the past few years, and they don't require any specialized auto insurance coverage.

Among these insurance providers, GEICO provides the cheapest car insurance rates for male and female senior drivers on average in Louisiana. Seniors are less likely to carry only the minimum insurance requirement. Their driving history will give them the experience and understanding when it comes to coverage types. However, they are also more likely to be price sensitive if living on fixed income, so they will also take advantage of any discounts available. The average premium for seniors in Louisiana can be adjusted to meet their needs.

Company Female senior ratesMale senior rates
Allstate Insurance $1,523 $1,523
Geico $1,245 $1,433
Louisiana Farm Bureau Insurance Company $1,593 $1,593
Progressive $2,048 $2,401
State Farm Insurance Company $1,689 $1,689

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Louisiana will differ. Rate data is provided by Quadrant Information Services.

Where can drivers find cheap auto insurance in Louisiana?

The area with the cheapest rates attached to insurance premiums in Louisiana is Springhill. While car insurance rates vary by state, they also vary by city and even the neighborhood you live in. In the table below, you can see the top ten cheapest areas in Louisiana for car insurance based on average rates for a single adult.

Area Car insurance rates
Springhill $1,840
Fort Polk $1,843
Sarepta $1,849
Kurthwood $1,851
Hornbeck $1,867
Arcadia $1,873
Simpson $1,873
Leesville $1,877
New Llano $1,886
Shongaloo $1,888

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Louisiana will differ. Rate data is provided by Quadrant Information Services.

What are the ten most expensive areas in Louisiana?

Since different areas of Louisiana have different crime rates and number of accidents, car insurance rates vary based on the location you live in. On average, the most expensive car insurance in Louisiana is found in New Orleans. The table below displays the top ten most expensive areas in Louisiana for car insurance based on average rates for a single adult.

Area Car insurance rates
New Orleans $3,303
Arabi $3,192
Chalmette $3,186
Violet $3,161
Meraux $3,118
Harvey $3,090
Gretna $3,080
Marrero $3,022
Westwego $2,952
Saint Bernard $2,931

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Louisiana will differ. Rate data is provided by Quadrant Information Services.

What's the minimum car insurance drivers are required to carry in Louisiana?

Louisiana's car insurance laws are similar to many other states. Drivers are required to purchase bodily injury and property damage liability coverage. The state has relatively low minimums for liability.

So it's important to consider purchasing higher limits to protect you from a costly accident. You can learn more about different auto insurance coverages and what the limits mean on our blog.

Louisiana state minimum requirements:

Liability:

  • Bodily injury — $15,000 per person
  • Bodily injury — $30,000 per accident
  • Property damage — $25,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. Liability insurance also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else's property in an auto accident, most commonly the other vehicle, but also things like a home or fence.

What is Louisiana’s uninsured motorist percentage?

Louisiana doesn’t require drivers to purchase collision or comprehensive coverage, nor are drivers required to obtain uninsured motorist coverage. But doing so is a good idea, even though it will result in a more expensive premium, because uninsured drivers are in fact on the road.

Uninsured motorist coverage offers you protection if you are involved in an accident with a driver who either doesn’t have insurance or doesn’t have enough coverage. This coverage could be useful, as thirteen percent of Louisiana drivers are uninsured, according to 2015 data from the Insurance Information Institute.

Being a safe driver not only means having the minimum coverage required by the state, but also ensuring that you'll be able to afford the type of protection your vehicle may need. If you drive a brand new, off the lot car, you may want to think about obtaining collision coverage. While you may think this is detrimental to being given affordable rates, think about the long term as well as the short term.

How are car insurance rates calculated in Louisiana?

When searching and comparing insurance costs from the best auto insurance companies in Louisiana, it can be frustrating trying to understand how your insurance rates are calculated.

While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

Many misunderstandings arise out of this precisely because there are so many factors. Minimum auto insurance is often only cheaper in the short run. If you end up getting stuck paying someone's medical expenses because of an at-fault accident you caused, and your limit didn't provide you with enough financial protection, you could face serious risk.

But how much coverage do you really need? How much should you pay for? Your driving record plays a role, but some things are more heavily weighted than others depending on which insurance company you're working with. If you're in an accident, the increase in your rates and liability per accident could be completely different with GEICO and State Farm.

Even your car could get different results depending on safety features. Many drivers look at the replacement cost and assume that's what would go into the calculations. The truth is the risk of motorist bodily injury is a a major factor in determining monthly premium.

How can you save money on your auto insurance policies?

At the end of the day, we'd all like to have the best coverage at a cheap, affordable price from one of the best Louisiana car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are a few ways that you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates
  • Check to see if you're in organizations that give you a discount on premiums
  • Check out cars with more safety features
  • Look into credit repair and talk to an expert about better financial stability
  • Consider if your coverage limits are where they should be

How do Clearsurance rankings work?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better. Then we rank state and nationwide insurers accordingly.

Customer satisfaction scores, coupled with company details, will help provide you with a better understanding of the best companies that offer cheap car insurance in Louisiana. The same way that an insurer looks at driver profiles when determining what expenses will be associated with their offered auto policies, we look at all the facets that make up a good, solid company.

In the event that you're only shopping around for the cheapest coverage per person, you may be missing out on other insurers who will keep you safe with better liability limits, which is why we do our best to provide you with across the board reviews.

Whether you're buying your insurance direct or going through an agent, understanding the different car insurance coverage options that are offered to you is a must.

Whether you're buying your insurance direct or going through an agent, understanding the different car insurance coverage options that are offered to you is a must.

Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance. It's all accurate content, the same as this review, so that you can make your coverage policy buying decisions with confidence.

Frequently Asked Questions

What insurer offers the cheapest teen car insurance rates in Louisiana?

Out of the five largest car insurance companies in Louisiana, Louisiana Farm Bureau is the cheapest car insurance option for female teen drivers on average but Allstate is the cheapest for male teens.

Who offers the cheapest car insurance rates for a married couple in Louisiana?

Out of the five most popular car insurance companies in Louisiana, married couples in Louisiana can find the cheapest car insurance from GEICO.

GEICO provides the cheapest car insurance rates for male and female senior drivers on average in Louisiana.

GEICO provides the cheapest car insurance rates for male and female senior drivers on average in Louisiana.

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