Best and Cheapest Car Insurance in Louisiana (Check Out These 10 Companies for 2024)

The top providers for the best and cheapest car insurance in Louisiana are USAA, State Farm, and Geico, with rates as low as $26/month. To broaden your understanding, explore our comprehensive resource on insurance coverage titled "Top Ways Customers Have Saved Money On Car Insurance Rates."

Choosing the right insurer can be challenging, but USAA stands out as the top pick overall, offering a balance of affordability, coverage options, and customer satisfaction.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$26	A++	Military Savings	USAA
	#2	$33	B	Personalized Policies	State Farm
	#3	$38	A++	Affordable Rates	Geico
	#4	$42	A++	Specialized Coverage	Travelers
	#5	$43	A+	Roadside Assistance	Progressive
	#6	$47	A	Costco Members	American Family
	#7	$48	A+	Deductible Options	Nationwide
	#8	$55	A+	Full Coverage	Allstate
	#9	$57	A	Safety Discounts	Farmers
	#10	$73	A	Customizable Policies	Liberty Mutual

This article helps you compare the performance of various insurers based on unbiased policyholder reviews, ensuring you find the best fit for your needs. Discover how to secure affordable coverage and the factors influencing insurance rates in Louisiana.

Your car insurance rates will likely increase after an at-fault accident, but you can find your cheapest coverage option by using our free quote comparison tool above today.

What You Should Know

• USAA is the top pick for overall affordability and customer satisfaction
• Compare Louisiana's top insurers to find coverage that meets your specific needs
• Discover the best and cheapest car insurance in Louisiana with rates starting at $26/month

On this page:

• USAA: Top Overall Pick
• State Farm: Best for Personalized Policies
• Geico: Best for Affordable Rates
• Travelers: Best for Specialized Coverage
• Progressive: Best for Roadside Assistance
• American Family: Best for Costco Members
• Nationwide: Best for Deductible Options
• Allstate: Best for Full Coverage
• Farmers: Best for Safety Discounts
• Liberty Mutual: Best for Customizable Policies
• Comparing Car Insurance Rates and Savings Opportunities in Louisiana
• Cheapest Teen Auto Insurance Rates in Louisiana
• Cheapest Auto Insurance Rates for Married Couples in Louisiana
• Cheapest Senior Auto Insurance Rates in Louisiana
• Finding Affordable Car Insurance in Louisiana
• Most Expensive Areas to Live in Louisiana
• Minimum Car Insurance Requirements for Drivers in Louisiana
• Louisiana’s Uninsured Motorist Percentage
• Understanding How Car Insurance Rates Are Calculated in Louisiana
• Smart Ways to Save Money on Your Auto Insurance Policies
• Understanding Clearsurance Rankings
• Finding the Best and Cheapest Car Insurance in Louisiana

#1 – USAA: Top Overall Pick

Pros

• Exclusive Military Benefits: USAA customer reviews highlight the company's unique discounts and services designed for military members, veterans, and their families, making it especially relevant in Louisiana due to its large military population.
• Exceptional Customer Service: USAA is known for its top-tier customer satisfaction, ensuring Louisiana drivers receive responsive and helpful support.
• Competitive Rates: Offers some of the lowest insurance rates in Louisiana, making it an affordable option for many residents.

Cons

• Eligibility Restrictions: Only available to military members, veterans, and their families, limiting accessibility for the broader Louisiana population.
• Limited Physical Locations: Fewer local offices compared to other insurers, which might be inconvenient for some Louisiana residents who prefer in-person interactions.

#2 – State Farm: Best for Personalized Policies

Pros

• Local Agents: Strong presence with numerous local agents across Louisiana, providing personalized service and local expertise.
• Customizable Policies: State Farm insurance customer reviews highlight the company's highly personalized policies, enabling Louisiana drivers to customize their coverage to meet their specific needs and preferences.
• Good Driver Discounts: Provides significant discounts for safe driving, which can be beneficial for Louisiana drivers who maintain a clean driving record.

Cons

• Higher Base Rates: Tends to have higher starting premiums, which may not be ideal for budget-conscious Louisiana drivers.
• Mixed Claim Satisfaction: While many customers are satisfied, some Louisiana policyholders report inconsistencies in the claims process.

#3 – Geico: Best for Affordable Rates

Pros

• Affordable Rates: Known for some of the lowest car insurance premiums, making it a popular choice for cost-conscious drivers in Louisiana.
• User-Friendly Digital Experience: Geico’s website and mobile app are highly rated, providing Louisiana drivers with easy access to policy management and claims. For additional details, explore our comprehensive resource titled "When to File a Car Insurance Claim."
• 24/7 Customer Service: Around-the-clock customer service ensures Louisiana drivers can get assistance at any time, essential during emergencies.

Cons

• Limited Local Agents: Fewer physical offices compared to competitors like State Farm, which may be less convenient for Louisiana residents who prefer face-to-face interactions.
• Mixed Reviews on Claim Handling: Some Louisiana customers have reported challenges with Geico’s claims process, indicating room for improvement.

#4 – Travelers: Best for Specialized Coverage

Pros

• Specialized Coverage Options: Travelers offers unique coverage options that cater to diverse needs, such as accident forgiveness and new car replacement, which can be particularly beneficial for drivers in Louisiana.
• Comprehensive Discounts: Various discounts are available, including those for safe drivers, hybrid vehicles, and multiple policies, helping Louisiana residents save on premiums.
• High Customer Satisfaction: Travelers Companies, Inc. customer reviews highlight their exceptional customer service and claims handling, providing Louisiana drivers with a smooth experience during stressful periods.

Cons

• Higher Premiums: Travelers’ specialized coverage options and extensive benefits often come with higher premiums compared to some competitors, which might be a concern for budget-conscious Louisiana drivers.
• Limited Availability: Not all coverage options and discounts are available in every part of Louisiana, potentially limiting choices for some residents.

#5 – Progressive: Best for Roadside Assistance

Pros

• Affordable Rates: Progressive insurance customer reviews highlight its competitive rates, making it a popular choice for budget-conscious drivers in Louisiana.
• Bundling Discounts: Offers substantial discounts for bundling auto insurance with other policies like home or renters insurance, providing savings for Louisiana families.
• Comprehensive Online Tools: Progressive’s robust online platform allows Louisiana drivers to easily manage policies, file claims, and get quotes.

Cons

• Mixed Customer Reviews: Progressive has varying customer service reviews, with some Louisiana customers reporting issues with claims processing.
• High Rates for High-Risk Drivers: Progressive may charge higher premiums for drivers with a poor driving record, which could affect some Louisiana drivers.

#6 – American Family: Best for Costco Members

Pros

• Costco Member Benefits: Offers exclusive discounts and benefits for Costco members, which can be advantageous for Louisiana drivers who are also Costco members.
• Personalized Coverage Options: American Family insurance customer ratings show a range of customizable coverage options designed to match the unique requirements of residents in Louisiana.
• Generous Discounts: Includes a range of discounts for safe driving, bundling policies, and loyalty, helping Louisiana drivers save on premiums.

Cons

• Availability Issues: Not all coverage options and discounts are available in every part of Louisiana, which may limit choices for some residents.
• Limited Online Tools: Compared to some competitors, American Family’s online tools and resources may be less comprehensive, potentially inconveniencing tech-savvy Louisiana drivers.

#7 – Nationwide: Best for Deductible Options

Pros

• Flexible Deductible Options: Offers a range of deductible choices, allowing Louisiana drivers to customize their premiums based on their financial situation.
• Vanishing Deductible Program: Louisiana drivers can reduce their deductible for every year of safe driving, rewarding good driving habits.
• Comprehensive Coverage: Nationwide customer reviews highlight the extensive coverage options, such as rental car reimbursement and roadside assistance, which are especially useful considering Louisiana's weather conditions.

Cons

• Higher Premiums: Nationwide's comprehensive coverage and additional benefits can result in higher premiums compared to some competitors in Louisiana.
• Limited Local Offices: Fewer local offices in rural areas of Louisiana, which might be inconvenient for face-to-face consultations.

#8 – Allstate: Best for Full Coverage

Pros

• Extensive Agent Network: A multitude of agents throughout Louisiana offer tailored service and local expertise, according to Allstate customer reviews.
• Good Driver Discounts: Multiple discounts for safe driving, which is beneficial given Louisiana's high rate of traffic incidents.
• Strong Financial Stability: Allstate's robust financial health ensures reliability and timely claims payment, crucial during Louisiana’s hurricane season.

Cons

• Mixed Customer Service Reviews: Some Louisiana customers report inconsistent experiences with customer service, affecting overall satisfaction.
• Strict Cancellation Policy: Allstate’s cancellation policy can be rigid, which may not be ideal for Louisiana drivers seeking flexibility.

#9 – Farmers: Best for Safety Discounts

Pros

• Safety Discounts: Significant discounts for vehicles equipped with advanced safety features, beneficial for Louisiana drivers aiming to reduce premiums.
• Strong Local Presence: Farmers insurance customer ratings highlight that many local agents across Louisiana offer tailored service and in-depth local knowledge.
• Customizable Policies: Wide range of coverage options and add-ons, allowing Louisiana drivers to tailor their policies to specific needs.

Cons

• Higher Premiums: Farmers' extensive coverage options can come at a higher price, which might be a consideration for budget-conscious Louisiana drivers.
• Limited Online Resources: Website and mobile app are less comprehensive compared to competitors, potentially inconvenient for tech-savvy Louisiana residents.

#10 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Liberty Mutual insurance customer reviews highlight the company's broad selection of coverage options and endorsements, enabling drivers in Louisiana to tailor their policies to their needs.
• Accident Forgiveness: Helps Louisiana drivers avoid premium increases after their first accident, which is valuable in high-traffic areas.
• 24/7 Claims Assistance: Around-the-clock claims support, which is crucial during Louisiana's hurricane season and other emergencies.

Cons

• Higher Rates: Liberty Mutual's extensive coverage options and benefits can lead to higher premiums compared to other providers in Louisiana.
• Mixed Customer Satisfaction: Some Louisiana customers report issues with claim settlements and customer service responsiveness.

Comparing Car Insurance Rates and Savings Opportunities in Louisiana

When choosing car insurance in Louisiana, it's crucial to compare rates and explore available discounts. This comparison of minimum and full coverage costs across major providers, along with potential savings opportunities, helps drivers find the best value for their insurance needs.

Insurance Company	Minimum Coverage	Full Coverage
Allstate	$55	$206
American Family	$47	$176
Farmers	$57	$212
Geico	$38	$141
Liberty Mutual	$73	$274
Nationwide	$48	$181
Progressive	$43	$161
State Farm	$33	$124
Travelers	$42	$156
USAA	$26	$98

This table compares car insurance costs for minimum and full coverage across major companies. USAA offers the lowest rates at $26 for minimum and $98 for full coverage. State Farm follows with $33 and $124. Geico and Progressive also offer competitive rates. Liberty Mutual has the highest rates at $73 for minimum and $274 for full coverage. Other companies like Allstate, American Family, Farmers, Nationwide, and Travelers fall in between.

In Louisiana, major car insurance providers offer a variety of discounts to help drivers save on their premiums. These discounts are designed to reward safe driving habits, loyalty, and other factors that reduce risk for the insurer. For a comprehensive analysis, refer to our detailed guide titled "What Is Temporary Car Insurance and Do I Need It?"

This table provides a quick reference for Louisiana drivers to explore potential savings opportunities with their current or prospective car insurance providers. Taking advantage of these discounts can significantly lower insurance costs, making it important to compare and ask about eligible discounts when seeking car insurance.

Cheapest Teen Auto Insurance Rates in Louisiana

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. For detailed information, refer to our comprehensive report titled "Liability vs. Full Coverage: Car Insurance Explained."

The table below presents the monthly auto insurance rates for 18-year-old males and females in Louisiana, comparing costs across various insurance companies to identify the most affordable options for teen drivers. The data considers demographic factors, specifically the gender and age of the policyholder, to highlight how these variables impact insurance premiums.

Insurance Company	Female (Age 18)	Male (Age 18)
Allstate	$333	$153
American Family	$139	$188
Farmers	$276	$291
Geico	$133	$143
Liberty Mutual	$254	$305
Nationwide	$144	$185
Progressive	$306	$343
State Farm	$101	$127
Travelers	$252	$351
USAA	$79	$93

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.

Cheapest Auto Insurance Rates for Married Couples 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. Check out our ranking of the top providers: Best and Cheapest Motorcycle Insurance in Your State

The table below presents the monthly auto insurance rates for married couples in Louisiana, showcasing a comparison of premiums offered by different insurance companies. The demographics considered in this data focus specifically on married couples to provide a clear view of how marital status influences insurance costs in this region.

Insurance Company	Rates
Allstate	$68
American Family	$59
Farmers	$73
Geico	$34
Liberty Mutual	$90
Nationwide	$63
Progressive	$61
State Farm	$43
Travelers	$48
USAA	$37

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.

Cheapest Senior Auto Insurance Rates in Louisiana

Among these insurance providers, USAA 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. To enhance your understanding, explore our comprehensive resource on insurance titled "How does my credit score affect my insurance premium?"

The table below details the monthly auto insurance rates for senior drivers in Louisiana, specifically comparing the costs for 65-year-old male and female drivers across a range of major insurance companies. The demographics considered include gender and age, providing insight into how different insurers price their policies for senior drivers. This comprehensive comparison aims to help seniors identify the most affordable insurance options available to them in Louisiana.

Insurance Company	Female (Age 65)	Male (Age 65)
Allstate	$54	$54
American Family	$46	$46
Farmers	$56	$56
Geico	$32	$37
Liberty Mutual	$71	$72
Nationwide	$47	$48
Progressive	$46	$42
State Farm	$33	$33
Travelers	$40	$41
USAA	$26	$26

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.

Finding Affordable Car 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.

The table below presents monthly car insurance rates for various cities in Louisiana, taking into account demographics such as age, driving history, and vehicle type to determine the affordability of insurance premiums for residents. These rates help highlight the cost variations across different locations within the state. For a comprehensive overview, explore our detailed resource titled "What Is a Driving Record and What Does It Track?"

City	Rates
Springhill	$153
Fort Polk	$154
Sarepta	$154
Kurthwood	$154
Hornbeck	$156
Arcadia	$156
Simpson	$156
Leesville	$156
New Llano	$157
Shongaloo	$157

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.

Most Expensive Areas to Live 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. To gain profound insights, consult our extensive guide titled "Best Car Insurance Companies That Don't Ask for Criminal Convictions"

This table presents the monthly rates for living in the most expensive areas of Louisiana, taking into account various factors such as income levels, cost of living, housing demand, and population density across different cities. It provides a comparative overview of how these factors influence the cost of living in each area, highlighting cities like New Orleans, Arabi, and Chalmette as some of the most expensive places to reside.

City	Rates
New Orleans	$275
Arabi	$266
Chalmette	$266
Violet	$263
Meraux	$260
Harvey	$258
Gretna	$257
Marrero	$252
Westwego	$246
Saint Bernard	$244

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.

Minimum Car Insurance Requirements for Drivers 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:

Here is a list of Louisiana's minimum coverage requirements:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident
• Property Damage Liability: $25,000 per accident
• Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury; $25,000 per accident for property damage.

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.

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.

Understanding How Car Insurance Rates Are 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:

• Driving Record & Mileage
• Age, Gender, & Marital Status
• Your Car’s Make, Model, and Year
• Location
• Amount of Car Insurance Coverage

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. To expand your knowledge, refer to our comprehensive handbook titled "What is Medical Payments (MedPay) Insurance?"

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 Gieco 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.

Smart Ways to 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 five ways that you may be able to lower your car insurance rates:

• Bundle Policies
• Raise Deductibles
• Pay in Full
• Try Usage-Based Insurance
• Shop for Better Rates

By implementing these tips, not only can you protect your vehicle and your wallet, but you can also gain peace of mind knowing you're making informed decisions. Remember, a little research and proactive steps can go a long way in reducing your insurance costs. For a thorough understanding, refer to our detailed analysis titled "Ways To Get Cheap Car Insurance."

Understanding Clearsurance Rankings

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. To delve deeper, refer to our in-depth report titled "Tips We Learned After Filing An Car Insurance Claim."

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.

Finding the Best and Cheapest Car Insurance in Louisiana

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.

Ensure you meet the state's minimum insurance requirements while maximizing your coverage and savings. Get the minimum car insurance coverage you need to drive legally by entering your ZIP code into our free quote comparison tool below.