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Best & Cheapest Louisiana Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4566 customer reviews
rated their claim's experience positively
4.20 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16827 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2054 customer reviews
rated their claim's experience positively
4.04 ★★★★★
2225 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7128 customer reviews
rated their claim's experience positively
3.95 ★★★★★
1331 customer reviews
rated their claim's experience positively
3.92 ★★★★★
744 customer reviews
rated their claim's experience positively
3.90 ★★★★★
143 customer reviews
rated their claim's experience positively
3.74 ★★★★★
544 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.51 ★★★★★
41 customer reviews
rated their claim's experience positively
3.18 ★★★★★
277 customer reviews
rated their claim's experience positively
2.76 ★★★★★
54 customer reviews
rated their claim's experience positively
2.20 ★★★★★
132 customer reviews
rated their claim's experience positively
1.78 ★★★★★
56 customer reviews
rated their claim's experience positively

Customers see ads from insurance companies promising the best insurance experience. 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 so you can evaluate and compare the best Louisiana car insurance companies.

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 coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who 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. The table below displays average Louisiana teen car insurance rates for male and female drivers.

Company Female teen rates Male 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 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. 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 1 driving incident within the past 3 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 car 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. Among these companies, Geico provides the cheapest car insurance rates for male and female senior drivers on average in Louisiana.

Company Female senior rates Male 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.

10 Cheapest areas in Louisiana for car insurance

The cheapest area for car insurance 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 10 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 1 driving incident within the past 3 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.

10 Most expensive areas in Louisiana for car insurance

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 area in Louisiana for car insurance is New Orleans. The table below displays the top 10 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 1 driving incident within the past 3 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 coverage and limits in Louisiana

Louisiana’s car insurance laws are similar to many other states in the country. Drivers are required to purchase bodily injury and property damage liability insurance. 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. This coverage 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. 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 13 percent of Louisiana drivers are uninsured, according to 2015 data from the Insurance Information Institute.

How car insurance rates are calculated in Louisiana

When searching and comparing quotes 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)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Louisiana

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 six ways 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

How Clearsurance rates and ranks the best car insurance companies in Louisiana

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.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options 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.