Best Car Insurance in Louisiana for 2024

State Farm offers the best car insurance in Louisiana, according to NerdWallet’s analysis.
Ryan Brady
By Ryan Brady 
Updated
Edited by Ben Moore

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If you’re in the market for car insurance and you live in the Pelican State, you’ve got plenty of options to choose from. But identifying the best car insurance in Louisiana can feel like trying to put together a jigsaw puzzle. Thankfully, we’ve put the pieces together for you.

NerdWallet analyzed 19 insurance companies in Louisiana to help you find the best option. We split our top picks into four categories:

Best car insurance category

Company winner

State Farm

Geico

The Hanover

Auto Club of SoCal

For the full list of best car insurance companies in Louisiana, skip to the bottom.

NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Louisiana. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim.

As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.

Best car insurance in Louisiana overall: State Farm

Best overall
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best overall

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Why it’s the best

The largest personal auto insurance company in the country, State Farm holds the highest overall score out of the 19 companies in Louisiana we analyzed. Because our auto insurance ratings reward companies for customer-first features and practices, this category represents a solid choice for Louisiana drivers seeking a well-rounded insurance company.

State Farm stands out for its ease of use, robust mobile app and financial strength. It also ranked best for customer satisfaction in our best car insurance companies of 2024.

» Read the full review: State Farm auto insurance review

Best car insurance in Louisiana for your budget: Geico

best budget pick
insurance-product-card-logo

Geico

5.0

NerdWallet rating 
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

Close to expected
best budget pick

Geico

5.0

NerdWallet rating 
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

Close to expected

Why it’s the best

Out of the top insurers in Louisiana, Geico offers the best car insurance for your wallet. According to our May 2024 analysis, Geico’s average rate for full coverage car insurance is $190 a month. However, your own rate may be different. The company also offers 16 discounts drivers may qualify for.

For a more comprehensive list, check out NerdWallet’s analysis of cheap car insurance in Louisiana, which includes the absolute cheapest companies.

» Read the full review: Geico auto insurance review

Best car insurance in Louisiana for having few customer complaints: The Hanover

best for having few customer complaints
insurance-product-card-logo

The Hanover

4.5

NerdWallet rating 
The Hanover sells highly customizable policies in 20 states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected
best for having few customer complaints

The Hanover

4.5

NerdWallet rating 
The Hanover sells highly customizable policies in 20 states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected

Why it’s the best

The Hanover is the best car insurance company in Louisiana for having the fewest customer complaints to state regulators relative to insurers of its size. It’s an especially good choice if you prefer working with an independent car insurance agent, since you can’t get a quote without one.

The Hanover offers a unique set of coverage options drivers can use to customize their policies. For example, drivers can sign up for its Travel Right insurance, which pays for lodging and travel expenses when experiencing a covered loss more than 100 miles from home. Customers can unlock more coverage packages when bundling their homeowners insurance with their auto policy.

» Read the full review: The Hanover auto insurance review

Best car insurance in Louisiana for ease of use: Auto Club of SoCal

best for ease of use
insurance-product-card-logo

Auto Club of SoCal

4.5

NerdWallet rating 
Auto Club of SoCal provides AAA-branded auto insurance in 20 states.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
best for ease of use

Auto Club of SoCal

4.5

NerdWallet rating 
Auto Club of SoCal provides AAA-branded auto insurance in 20 states.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Why it’s the best

Auto Club of SoCal is the largest member of the AAA network of motor clubs. NerdWallet ranked it as the best car insurance company in Louisiana for ease of use, which evaluates how easy it is to get quotes, file and track claims, pay premiums and more. Auto Club of SoCal features a well-polished mobile app with high user ratings, and was ranked second for overall satisfaction in J.D. Power’s 2024 U.S. Insurance Shopping Study

.

» Read the full review: AAA Auto Insurance Review

Full list of the best car insurance in Louisiana

If you’re looking for even more options, NerdWallet analyzed 19 car insurers to find the best car insurance companies in Louisiana. Here are the 10 insurers that earned a NerdWallet star rating of 4.5 or higher.

Company

Star rating

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

*USAA is only available to military, veterans and their families.

Still not sure which company to go with? Try these tips:

  • Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.

  • Do your research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.

  • Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.

  • Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

Methodology

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 in 2024 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 2020-2022. 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 2021 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.

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