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Get Cheap Car Insurance in Louisiana
We monitor insurance prices, helping the average driver in Louisiana save up to 33.9% on car insurance.
The Cheapest Minimum Coverage in Louisiana
The chart below shows the cheapest car insurance company in Louisiana for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by State Farm, Safeco Insurance, and Clearcover.
| Louisiana Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $220 |
| State Farm | $259 |
| Safeco Insurance | $262 |
| Clearcover | $290 |
Savings for Every Kind of Louisiana Driver
Based on our extensive insurance data, we know the average Louisiana driver will save about 28% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $1,685 per year by choosing the right vehicle insurance company. Some Louisiana residents are paying out over $6,058 extra every year for auto insurance in Louisiana. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Louisiana Savings / Yr. |
|---|---|
$1,685 |
|
$2,956 |
|
$2,103 |
|
$3,173 |
|
$5,033 |
|
$1,562 |
|
$2,686 |
Louisiana Car Insurance vs. the United States
People living in Louisiana pay an average of 101.1% more than the typical driver in the nation. The average driver in Louisiana can expect to pay about $3,832 per year, or $6,058 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Louisiana for most people.
Car Insurance Prices by Louisiana Neighborhood
Insurance Prices
Where is insurance cheapest within Louisiana?
The map shows insurance prices in and around Louisiana, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,895 per year within the state boundaries, with insurance premiums ranging from a high of $4,465 to a low of $2,570. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Louisiana.Pick the Best Car Insurance Company for You in Louisiana
The best car insurance provider for most drivers in Louisiana
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $1,685 over the average Louisiana car insurance company.
The best car insurance provider for Louisiana drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $2,956 over the competition.
The best car insurance company for Louisiana drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $2,103 better than other car insurance companies.
The best auto insurance for Louisiana drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $3,173 less each year.
The least expensive car insurance company for new and young drivers in Louisiana
In Louisiana, Farm Bureau costs young drivers $5,033 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Louisiana
Farm Bureau gave the largest car insurance discounts to married couples, averaging $1,562 saved each year compared to an average Louisiana couple's premiums.
The cheapest car insurance in Louisiana for drivers with bad credit
The best Louisiana car insurance company for customer service
Recent price drops
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The cheapest large national provider in Louisiana
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Louisiana driver can expect to pay about $222 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Louisiana, USAA has the best prices for drivers with speeding tickets, young drivers, drivers with bad credit, drivers with accidents, good drivers, drivers with a DUI conviction, and married couples.Auto Insurance Prices in and Around Louisiana
What Influences the Cost of Car Insurance in Louisiana?
On average, car insurance in Louisiana is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Louisiana is 31 minutes, which is about the national average for a driver in the nation.
- Louisiana state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Louisiana are among the lowest in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Louisiana has an average population density in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Louisiana is $319 per month for minimum coverage and $505 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Mississippi: Insurance costs 67.86% less
- Arkansas: Insurance costs 68.80% less
- Alabama: Insurance costs 71.69% less
- Texas: Insurance costs 57.94% less
- Oklahoma: Insurance costs 66.49% less
- Tennessee: Insurance costs 79.05% less
- Georgia: Insurance costs 65.45% less
- Missouri: Insurance costs 64.26% less
- Kentucky: Insurance costs 49.83% less
- Florida: Insurance costs 23.11% less
States with Similar Populations
- District of Columbia: Insurance costs 58.72% less
- Florida: Insurance costs 23.11% less
- Connecticut: Insurance costs 58.75% less
- New Mexico: Insurance costs 75.14% less
- North Dakota: Insurance costs 77.70% less
- New York: Insurance costs 35.23% less
- North Carolina: Insurance costs 82.78% less
- Ohio: Insurance costs 86.08% less
- Oklahoma: Insurance costs 66.49% less
- Oregon: Insurance costs 74.94% less