Fact CheckedNerdWallet’s editorial team collected data on 10 auto insurers in Louisiana and scored them for a variety of factors, including customer experience, online features and discounts. We chose GEICO for the top spot in the state, but plenty of other car insurance companies also earned high ratings.
Our April 2026 picks for the best car insurance companies in Louisiana are:
Category winner | NerdWallet Star Rating |
|---|---|
Best overall car insurance company: GEICO | |
Best if you have to make a claim: Amica | |
Best coverage options: Farmers | |
Best for bundling auto and home insurance: State Farm | |
Best digital features: Progressive |
For our list of the best car insurance companies in Louisiana, we only considered insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:
Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.
Consumer experience. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners (NAIC). We also look at survey data from J.D. Power’s yearly national and regional studies.
Digital ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on Apple and Google Play store ratings, and whether a user can start and track a claim, or get a quote online.
Ways to save. We look at the kinds of discounts a company offers and the total number of discounts available.
You can read our full auto insurance methodology to learn more.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
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Best overall for car insurance: GEICO
Full coverage
$296 /month
Liability only
$57 /month
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why GEICO is the best: We chose GEICO as the top car insurance company in Louisiana because of its convenient digital features, including the ability to get quotes and start a policy completely online. GEICO also has relatively low rates and a long list of discount opportunities.
The GEICO app has been rated highly by users on the Google Play and Apple App Store. The GEICO app allows drivers to call roadside assistance after being stranded and get an estimate for their car’s damage following a crash, plus more features that stack up well compared to other insurers.
We found in our April 2026 analysis that GEICO may have some of the best rates in Louisiana for people with clean driving records. Along with cheap rates, GEICO also earned the highest score in our analysis for the number of discounts it offers.
Don’t pick GEICO if: You have an accident or driving violation on your record. According to our analysis, other insurers in Louisiana may have better rates than GEICO for drivers with records like these.
How much is GEICO car insurance in Louisiana? The average cost of car insurance from GEICO for someone with a clean driving record in Louisiana is $296 per month, or $3,549 per year. That’s compared to the statewide average of $4,481 per year.
» Read the full review: GEICO auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $3,549 $679 One speeding ticket, good credit $6,524 $1,263 One at-fault crash, good credit $6,569 $1,303 One DUI, good credit $10,616 $2,226 Clean driving record, poor credit $5,176 $999
Best if you need to make a claim: Amica
Low consumer complaints and a wide variety of policy perks and discounts make Amica a top-rated choice for good drivers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why Amica is the best: Customers seem to like Amica. The insurer earns fewer complaints from its policyholders than expected for its size. Additionally, Amica scored above average on the J.D. Power Auto Claims Satisfaction Study.
Besides its customer satisfaction, there’s a lot that makes Amica stand out compared to many other insurers. We gave Amica some of the best rankings of any insurer in our analysis of auto insurance companies for its informative, easy-to-use website, as well as its coverage offerings and long list of discounts.
Don’t pick Amica if: You haven’t done a car insurance rates comparison yet. We don’t have rates for Amica in Louisiana, but in other states we have seen that Amica may cost more than average for most drivers.
» Read the full review: Amica auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $3,167 $1,089 One speeding ticket, good credit $4,114 $1,372 One at-fault crash, good credit $3,957 $1,505 One DUI, good credit $11,783 $3,661 Clean driving record, poor credit $9,541 $1,854
Best for coverage options: Farmers
Full coverage
$454 /month
Liability only
$222 /month
One of the country's largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Close to expected
Available in: AL, AR, AZ, CA, CO, CT, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SD, TN, TX, UT, VA, WA, WI, & WY.
Why Farmers is the best: Farmers offers a wider selection of optional types of car insurance than many competitors. Options like accident forgiveness, new car replacement, custom parts coverage, gap insurance and coverage for cost of using original rather than aftermarket parts in repairs could all help you strengthen a standard Farmers policy.
Farmers’ usage-based insurance program, Signal, is also worth calling out. Signal monitors driving habits, like your speed, handling and the number of miles you drive. Signal driving could earn you a discount at renewal — though some could face higher rates because of a poor driving score. Signal drivers may also qualify for a chance to win up to $100 in rewards each month.
Don’t pick Farmers if: You’re prioritizing the lowest rates. Louisiana is an expensive state for car insurance compared to the rest of the country, and Farmers may have higher rates than average for some drivers. That said, Farmers has a great set of discounts which could help lower rates.
How much is Farmers car insurance in Louisiana? The average cost of car insurance from Farmers for someone with a clean driving record in Louisiana is $454 per month, or $5,453 per year. That’s compared to the statewide average, which is $4,481 per year.
» Read the full review: Farmers auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $4,042 $1,260 One speeding ticket, good credit $4,970 $1,504 One at-fault crash, good credit $6,040 $1,844 One DUI, good credit $8,055 $2,317 Clean driving record, poor credit $7,614 $2,014
Best for bundling auto and home insurance: State Farm
Full coverage
$400 /month
Liability only
$94 /month
State Farm is a popular insurer that provides personalized service to its customers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Close to expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why State Farm is the best: We gave State Farm relatively high scores versus other insurance companies on both our auto and homeowners insurance comparisons. State Farm offers great sets of discounts on each product, including a discount of up to 17% for bundling auto and home policies.
State Farm may offer an above-average selection of home coverage options. Other insurers might offer a greater number of auto insurance add-ons, but State Farm does have a few useful (if common) options. These may include rideshare insurance as well as essentials like roadside assistance and coverage that will help pay for a rental while your car is in the shop.
Don’t pick State Farm if: Customer experience is the most important factor about an insurance company for you. State Farm earns fewer complaints than expected for its size from its home customers and close to the expected number from its auto customers, but scored below average on the J.D. Property Claims Satisfaction Study. (However, State Farm did score above average on the Auto Claims Satisfaction Study.)
How much is State Farm car insurance in Louisiana? The average cost of car insurance from State Farm for someone with a clean driving record in Louisiana is $400 per month, or $4,802 per year. That’s compared to the statewide average of $4,481 per year.
» Read the full review: State Farm auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $4,846 $1,125 One speeding ticket, good credit $5,417 $1,261 One at-fault crash, good credit $5,808 $1,399 One DUI, good credit $6,594 $1,715 Clean driving record, poor credit $23,001 $6,548
Best digital features: Progressive
Full coverage
$542 /month
Liability only
$168 /month
Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why Progressive is the best: Progressive has convenient digital features and one of the most informative websites of any insurer we analyzed.
You don’t need to speak with a Progressive agent to get a quote or start a policy. You can also use the full-service Progressive app to pay your bill, make and track claims, and contact roadside assistance.
One other digital feature from Progressive is Snapshot, which monitors driving behaviors like braking, acceleration and phone usage. Safe drivers may qualify for a discount, though some drivers could see more expensive rates after taking part in Snapshot. This is just one of Progressive’s many cost-saving opportunities it offers.
Don’t pick Progressive if: A company’s customer experience is the most important factor to you. Progressive gets fewer complaints than expected for its size, but it ranks below average on the J.D Power Auto Claims Satisfaction Study.
How much is Progressive car insurance in Louisiana? The average cost of car insurance from Progressive for someone with a clean driving record in Louisiana is $542 per month, or $6,504 per year. That’s compared to the statewide average of $4,481 per year.
» Read the full review: Progressive auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $6,504 $2,021 One speeding ticket, good credit $9,325 $2,453 One at-fault crash, good credit $10,112 $2,692 One DUI, good credit $8,327 $2,316 Clean driving record, poor credit $11,898 $3,475
See what you could save on car insurance
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All of the top-rated insurance companies in Louisiana
There’s not really one car insurance company in Louisiana that’s the clear best pick for every driver. Each person’s own insurance needs, personal details, driving history and budget all play a part in deciding which insurer is the best car insurance company for them.
Of all of the top-rated car insurance companies in Louisiana, these are the ones we think are best for certain types of drivers:
Category winner | NerdWallet star rating |
|---|---|
Best overall car insurance company: GEICO | |
Best if you have to make a claim: Amica | |
Best for coverage options: Farmers | |
Best for bundling: State Farm | |
Best digital features: Progressive | |
Best smaller insurance company: Shelter | |
Best for high-risk drivers: Direct Auto | |
Best for senior-age drivers: The Hartford | |
Best for military families: USAA* | |
*USAA is available only to members of the military, veterans and their families. | |
Here is the full list of car insurance companies reviewed by NerdWallet. Not all insurers offer policies in every state, however.
What to know about car insurance in Louisiana
For the most part, car insurance works the same in Louisiana as in most other states. If you’re involved in an accident and it’s your fault, a basic insurance policy would help pay for the other drivers’ medical costs but not your own.
Louisiana requires drivers to carry:
Bodily injury liability insurance. Your bodily injury liability insurance helps cover the cost of other drivers’ injuries after a crash that you’re responsible for. A basic policy in Louisiana provides up to $30,000 of coverage per accident, limited to up to $15,000 per person involved.
Property damage liability insurance. After an accident that you cause, your policy will help pay to repair or replace other people’s stuff, including their cars. A basic policy covers up to $25,000 of damaged property per accident.
Louisiana doesn’t require coverage for injuries caused by uninsured drivers, but the state’s high percentage of drivers without insurance means that it’s probably a good idea to get it if you can.
Drivers may also consider getting comprehensive and collision insurance to help pay for most types of damage to their own car, including theft and damage caused by the weather.
Louisiana has what you might have heard called a “no play no play law” that limits the amount of money uninsured drivers can get after an accident. If you’re in an accident that’s caused by another driver and you don’t have insurance, you won’t be able to collect the first $100,000 in liability damages.
In other words, even if you’re not at fault for an accident you wouldn’t be able to rely on the other driver’s insurance to cover your injuries. You’d have to cover them yourself. And if you’re awarded less than or up to $100,000 in a lawsuit, you’d have to cover court costs for everyone involved.
The average cost of car insurance in Louisiana is $4,481, but it depends on how much coverage you have and your driving record, as well as other details like your age, where you live, your car and your insurance company.
The difference in the cost of insurance from person to person could make it hard to budget for auto insurance. You could estimate the cost of car insurance with our rates calculator. Enter your ZIP code and you’ll be able to see what rates might look like in your area.
Estimate full coverage rates by ZIP codeEnter your ZIP code to find the average monthly car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average monthly car insurance rate in your ZIP code:
$0If you’re not able to get car insurance on your own because of your driving record, credit history or another factor, you might get coverage through the Louisiana Auto Insurance Plan (LAIP). This isn’t a company. Instead, it’s a way to ensure that all drivers can access a policy.
How to get the best auto insurance in Louisiana
There are more insurance companies in Louisiana than the ones we’ve called out here. If you’re not sure which one is right, or you want to do some research on your own, follow these steps to narrow down your list of the insurers that might work best for you.
Understand the coverage you need. Louisiana has some of the highest insurance costs in the country. While we recommend getting more coverage than what the state requires, make sure that you don’t get (and pay for) more than you truly need.
Know the type of company that you’re looking for. Insurance companies have different strengths. Some are more likely to offer cheap rates, while others may be best for drivers looking for lots of coverage options or reliable service.
Consider other factors that may affect which company is best for you. Your list of top insurance companies may change if you work from home and never drive, you need to bundle different policies or there’s a young driver in your home.
Shop around at least once a year. The cost of car insurance changes regularly. Before you buy a policy, shop around and compare rates from a few car insurance companies to be sure that yours is still the best choice for your budget.
Don’t shy away from smaller insurers. A small, regional insurance company in Louisiana may line up best with your coverage needs and budget. An agent or broker could help you find local insurance companies in your area.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Mar 25, 2026.
- 2.J.D. Power. 2025 U.S. Property Claims Satisfaction Study. Accessed Mar 26, 2026.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
