The best cheap car insurance in Louisiana

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  • Louisiana is the most expensive state for car insurance with drivers paying $1443.72 per year, on average.
  • Shopping around for your auto insurance is the best way to save and to get the best coverage for your money.
  • GEICO offers the most affordable coverage at every credit level.
  • Check out our partner Savvy — a free tool that lets you compare car insurance quotes in minutes  »

Louisiana is the most expensive state for car insurance in the US, according to the Insurance Information Institute, with the average driver spending about $1,443 per year on premiums. 

"Louisiana remains among the most expensive states for car insurance because of a number of factors, including a high rate of uninsured drivers as well as a high rate of auto litigation," writes The New Orleans Advocate.

Auto insurance costs can vary widely from person to person, and there are many factors that go into them.

Things like your age, gender, and your credit score can all influence your premium, or the amount you'll pay for coverage. Each company uses a different formula to consider these factors, so you'll want to get a few different quotes to see which company offers you the best price. 

As it is in every state, the best way to get a good deal on car insurance is always to shop around. It's important to make sure that you're getting the best deal for you, so you'll want to get several quotes from different companies and compare them. 

The most popular car insurance companies in Louisiana 

The following are the most popular car insurance companies in Louisiana, based on the percentage of insured Louisiana drivers who use them:

CompanyMarket share (%)
State Farm29.51
Progressive16.43
GEICO11.70
Allstate11.05
USAA*6.02
Southern Farm Bureau Casualty5.00
Liberty Mutual4.05
GoAuto Insurance Co.3.34
National General Holdings2.14
Shelter Insurance1.43
Safeway Insurance1.40
Old American1.14
American National0.95
MetLife0.84
Kemper0.69
The Hartford0.55
Auto Club Exchange0.52
The Hanover Insurance0.42
Horace Mann0.41
LA Farm Bureau Mutual0.38
Root Insurance Co.0.31
American Family Insurance0.29
AmTrust Financial0.24
Markel0.15
Farmers Insurance0.15

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

The best car insurance in Louisiana based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Southeast region (which includes Louisiana):

  1. Farm Bureau Insurance TN
  2. Erie Insurance
  3. Alfa Insurance
  4. GEICO
  5. Auto-Owners Insurance
  6. North Carolina Farm Bureau
  7. Kentucky Farm Bureau
  8. Region Average
  9. Progressive
  10. Allstate 
  11. Safeco
  12. State Farm
  13. Farmers
  14. National General
  15. Nationwide
  16. Travelers
  17. Liberty Mutual
  18. MetLife

The best cheap car insurance in Louisiana based on credit score

Consumer Reports compiled data from all auto insurance companies in every state, and looked at how their algorithms price premiums. It worked out the average premium for a single driver with three different credit types in Louisiana, and found that these three companies had the best rates for each credit category. 

Here are the companies that offer the best cheap car insurance for drivers with excellent credit, FICO scores 800-850, and the average premium for a single adult driver, based on Consumer Reports' data.

  • GEICO car insurance: $1,215 per year
  • USAA car insurance: $1,418 per year
  • State Farm car insurance: $1,767 per year

For those with good credit, FICO scores 670-739, along with the average premium for a single adult driver:

  • GEICO car insurance: $1,464 per year
  • USAA car insurance: $1,623 per year
  • State Farm car insurance: $2,077 per year

Drivers with poor credit scores, FICO scores 300-579, are likely to pay the most for car insurance. In Louisiana, Consumer Reports suggests that these are the three most affordable companies for low-credit drivers, listed with the average premium for a single adult driver.

  • GEICO car insurance: $2,301 per year
  • Louisiana Farm Bureau car insurance: $3,056 per year
  • State Farm car insurance: $3,516 per year

The best car insurance for drivers with a clean record

For a driver in Louisiana age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
Root$143
Safeauto$161
State Farm$189
GEICO$192
Esurance$226
Progressive$233
USAA*$248
Allstate$249
Liberty Mutual$271
Safeco$282

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 1,343 policyholders in the state of Louisiana 

Best car insurance for one or more accidents on record

For a driver in Louisiana  age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
State Farm$185
GEICO$213
Esurance$234
Allstate$243
Progressive$252

Above data obtained from Savvy, based on 1,343 policyholders in the state of Louisiana 

Louisiana car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in Louisiana's most populous cities:

CityAverage annual insurance premium 
New Orleans$1,268
Baton Rouge$1,271
Shreveport$1,215
Metairie CDP$1,372
Lafayette$1,268
Lake Charles$1,274
Kenner$1,349
Bossier City$1,288
Alexandria$1,285
Monroe$1,199
Houma$1,260
Marrero CDP$1,249
Prairieville CDP$1,603
Slidell$1,349
New Iberia$1,199
Laplace CDP$1,373
Central$1,448
Terrytown CDP$1,295
Ruston$1,203
Chalmette CDP$1,302
Harvey CDP$1,258
Hammond$1,292
Sulphur$1,346
Bayou Cane CDP$1,284
Natchitoches$1,135
Shenandoah CDP$1,520
Gretna$1,252
Zachary$1,465
Estelle CDP$1,418
Opelousas$1,054
Pineville$1,313
Thibodaux$1,232
River Ridge CDP$1,402
Baker$1,286
Bayou Blue CDP$1,314
West Monroe$1,198
Mandeville$1,449
Belle Chasse CDP$1,431
Crowley$1,160
Moss Bluff CDP$1,430

Data from S&P Global Intelligence

Who gets the best cheap car insurance in Louisiana?

The person who gets the best car insurance rate in Louisiana is going to be someone who has a great credit score, according to Consumer Reports' calculations above. 

While it might be worth working to raise your credit score before getting your car insurance, it's also a good idea to shop around to see who offers the best rate for you. 

You'll want to get several quotes, and compare them to see which offers the best premiums and more. You'll also have to look past the premium to find the best coverage — consider the different coverage types and each of their respective limits, and what the deductible will be that you'll have to pay out of pocket if you get into an accident. 

Shopping around can help you to find the best rate for your specific situation, and might help you save a few dollars in the process, too.

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