The Cheapest Car Insurance in Louisiana for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Louisiana for a variety of ages and driving histories.
Dec 10, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Louisiana isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Louisiana is $3,094 per year, or about $258 per month, according to NerdWallet’s analysis. Minimum coverage in Louisiana is $957 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Louisiana at $446 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in Louisiana

Southern Farm Bureau Casualty

$150/month

Not yet rated.

Cheapest for minimum coverage

$37/month

4.5

NerdWallet rating 

Cheapest for young drivers

Southern Farm Bureau Casualty

$247/month

Not yet rated.

Cheapest for drivers with poor credit

Safeway

$150/month

Not yet rated.

How we chose the cheapest companies in Louisiana

NerdWallet’s editorial team analyzed car insurance rates from 11 auto insurers in Louisiana and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Louisiana. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Louisiana for 20-year-olds

Drivers in Louisiana with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Southern Farm Bureau Casualty: $2,963 per year, or about $247 per month.

  2. Louisiana Farm Bureau: $4,380 per year, or about $365 per month.

  3. State Farm: $4,698 per year, or about $392 per month.

  4. Safeway: $4,832 per year, or about $403 per month.

  5. Geico: $4,891 per year, or about $408 per month.

Cheapest minimum coverage car insurance in Louisiana for 20-year-olds

Drivers in Louisiana who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $1,049 per year, or about $87 per month.

  2. Southern Farm Bureau Casualty: $1,101 per year, or about $92 per month.

  3. State Farm: $1,369 per year, or about $114 per month.

  4. Louisiana Farm Bureau: $1,511 per year, or about $126 per month.

  5. Allstate: $2,007 per year, or about $167 per month.

Cheapest auto insurance in Louisiana for 20-year-olds with poor credit

Drivers with poor credit in Louisiana should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $1,336 per year, or about $111 per month.

  2. Southern Farm Bureau Casualty: $1,800 per year, or about $150 per month.

  3. Safeway: $2,212 per year, or about $184 per month.

  4. Allstate: $2,394 per year, or about $200 per month.

  5. Louisiana Farm Bureau: $2,876 per year, or about $240 per month.

Cheapest auto insurance in Louisiana for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Louisiana, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $1,278 per year, or about $106 per month.

  2. Southern Farm Bureau Casualty: $1,445 per year, or about $120 per month.

  3. State Farm: $1,729 per year, or about $144 per month.

  4. Louisiana Farm Bureau: $1,786 per year, or about $149 per month.

  5. Allstate: $2,708 per year, or about $226 per month.

Cheapest auto insurance in Louisiana for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Southern Farm Bureau Casualty: $1,573 per year, or about $131 per month.

  2. Louisiana Farm Bureau: $1,760 per year, or about $147 per month.

  3. Geico: $1,801 per year, or about $150 per month.

  4. State Farm: $2,141 per year, or about $178 per month.

  5. Allstate: $2,616 per year, or about $218 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Louisiana for 30-year-olds

Drivers in Louisiana with clean driving records may get the lowest rates from these companies:

  1. Southern Farm Bureau Casualty: $1,962 per year, or about $164 per month.

  2. Louisiana Farm Bureau: $2,378 per year, or about $198 per month.

  3. Geico: $2,558 per year, or about $213 per month.

  4. Safeway: $2,627 per year, or about $219 per month.

  5. State Farm: $2,707 per year, or about $226 per month.

Cheapest minimum coverage car insurance in Louisiana for 30-year-olds

Drivers in Louisiana who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $453 per year, or about $38 per month.

  2. Southern Farm Bureau Casualty: $555 per year, or about $46 per month.

  3. State Farm: $597 per year, or about $50 per month.

  4. Louisiana Farm Bureau: $705 per year, or about $59 per month.

  5. Auto Club of SoCal: $974 per year, or about $81 per month.

Cheapest auto insurance in Louisiana for 30-year-olds with poor credit

Drivers with poor credit in Louisiana should consider the following companies with the lowest average rates for full coverage:

  1. Safeway: $2,627 per year, or about $219 per month.

  2. Southern Farm Bureau Casualty: $3,496 per year, or about $291 per month.

  3. Geico: $3,583 per year, or about $299 per month.

  4. Louisiana Farm Bureau: $4,614 per year, or about $384 per month.

  5. Allstate: $5,645 per year, or about $470 per month.

Cheapest auto insurance in Louisiana for 30-year-old drivers with one at-fault crash

For drivers in Louisiana with a recent accident, here are the lowest average rate options for full coverage:

  1. Southern Farm Bureau Casualty: $2,460 per year, or about $205 per month.

  2. Louisiana Farm Bureau: $2,754 per year, or about $230 per month.

  3. Safeway: $3,227 per year, or about $269 per month.

  4. State Farm: $3,262 per year, or about $272 per month.

  5. Geico: $4,083 per year, or about $340 per month.

Cheapest auto insurance in Louisiana for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Southern Farm Bureau Casualty: $2,513 per year, or about $209 per month.

  2. Louisiana Farm Bureau: $2,682 per year, or about $224 per month.

  3. Safeway: $3,445 per year, or about $287 per month.

  4. State Farm: $3,694 per year, or about $308 per month.

  5. Geico: $5,400 per year, or about $450 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Louisiana for 40-year-olds

Drivers in Louisiana with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Southern Farm Bureau Casualty: $1,718 per year, or about $143 per month.

  2. Louisiana Farm Bureau: $2,243 per year, or about $187 per month.

  3. Safeway: $2,477 per year, or about $206 per month.

  4. Geico: $2,487 per year, or about $207 per month.

  5. State Farm: $2,672 per year, or about $223 per month.

Cheapest minimum coverage car insurance in Louisiana for 40-year-olds

Drivers in Louisiana who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $443 per year, or about $37 per month.

  2. Southern Farm Bureau Casualty: $450 per year, or about $38 per month.

  3. State Farm: $597 per year, or about $50 per month.

  4. Louisiana Farm Bureau: $649 per year, or about $54 per month.

  5. Auto Club of SoCal: $938 per year, or about $78 per month.

Cheapest auto insurance in Louisiana for 40-year-olds with poor credit

Drivers with poor credit in Louisiana can check out the following insurers with the lowest average rates for full coverage:

  1. Safeway: $2,477 per year, or about $206 per month.

  2. Southern Farm Bureau Casualty: $3,105 per year, or about $259 per month.

  3. Geico: $3,453 per year, or about $288 per month.

  4. Louisiana Farm Bureau: $4,397 per year, or about $366 per month.

  5. Allstate: $5,645 per year, or about $470 per month.

Cheapest auto insurance in Louisiana for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Louisiana, here are the companies with the lowest average rates for full coverage:

  1. Southern Farm Bureau Casualty: $2,137 per year, or about $178 per month.

  2. Louisiana Farm Bureau: $2,575 per year, or about $215 per month.

  3. Safeway: $3,035 per year, or about $253 per month.

  4. State Farm: $3,222 per year, or about $268 per month.

  5. Geico: $3,973 per year, or about $331 per month.

Cheapest auto insurance in Louisiana for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Southern Farm Bureau Casualty: $2,165 per year, or about $180 per month.

  2. Louisiana Farm Bureau: $2,489 per year, or about $207 per month.

  3. Safeway: $3,238 per year, or about $270 per month.

  4. State Farm: $3,646 per year, or about $304 per month.

  5. Auto Club of SoCal: $5,323 per year, or about $444 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage car insurance in Louisiana for 50-year-olds

Drivers in Louisiana with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Southern Farm Bureau Casualty: $1,672 per year, or about $139 per month.

  2. Louisiana Farm Bureau: $2,017 per year, or about $168 per month.

  3. Safeway: $2,173 per year, or about $181 per month.

  4. Geico: $2,442 per year, or about $204 per month.

  5. State Farm: $2,623 per year, or about $219 per month.

Cheapest minimum coverage car insurance in Louisiana for 50-year-olds

Drivers in Louisiana who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $431 per year, or about $36 per month.

  2. Southern Farm Bureau Casualty: $441 per year, or about $37 per month.

  3. Louisiana Farm Bureau: $573 per year, or about $48 per month.

  4. State Farm: $592 per year, or about $49 per month.

  5. Progressive: $893 per year, or about $74 per month.

Cheapest auto insurance in Louisiana for 50-year-olds with poor credit

Drivers with poor credit in Louisiana can check with the following companies, which showed the lowest average rates for full coverage:

  1. Safeway: $2,173 per year, or about $181 per month.

  2. Southern Farm Bureau Casualty: $3,022 per year, or about $252 per month.

  3. Geico: $3,462 per year, or about $288 per month.

  4. Louisiana Farm Bureau: $3,935 per year, or about $328 per month.

  5. Encompass: $5,342 per year, or about $445 per month.

Cheapest auto insurance in Louisiana for 50-year-old drivers with one at-fault crash

For drivers living in Louisiana with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Southern Farm Bureau Casualty: $2,076 per year, or about $173 per month.

  2. Louisiana Farm Bureau: $2,322 per year, or about $194 per month.

  3. Safeway: $2,648 per year, or about $221 per month.

  4. State Farm: $3,163 per year, or about $264 per month.

  5. Geico: $3,872 per year, or about $323 per month.

Cheapest auto insurance in Louisiana for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Southern Farm Bureau Casualty: $2,099 per year, or about $175 per month.

  2. Louisiana Farm Bureau: $2,251 per year, or about $188 per month.

  3. Safeway: $2,820 per year, or about $235 per month.

  4. State Farm: $3,584 per year, or about $299 per month.

  5. Auto Club of SoCal: $5,161 per year, or about $430 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Louisiana for 60-year-olds

Drivers in Louisiana with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Southern Farm Bureau Casualty: $1,737 per year, or about $145 per month.

  2. Louisiana Farm Bureau: $2,052 per year, or about $171 per month.

  3. Safeway: $2,216 per year, or about $185 per month.

  4. Geico: $2,387 per year, or about $199 per month.

  5. State Farm: $2,518 per year, or about $210 per month.

Cheapest minimum coverage car insurance in Louisiana for 60-year-olds

Drivers in Louisiana who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $436 per year, or about $36 per month.

  2. Southern Farm Bureau Casualty: $475 per year, or about $40 per month.

  3. State Farm: $562 per year, or about $47 per month.

  4. Louisiana Farm Bureau: $592 per year, or about $49 per month.

  5. Progressive: $873 per year, or about $73 per month.

Cheapest auto insurance in Louisiana for 60-year-olds with poor credit

Drivers with poor credit in Louisiana can look at the following companies with the lowest average rates for full coverage:

  1. Safeway: $2,216 per year, or about $185 per month.

  2. Southern Farm Bureau Casualty: $3,138 per year, or about $262 per month.

  3. Geico: $3,335 per year, or about $278 per month.

  4. Louisiana Farm Bureau: $3,999 per year, or about $333 per month.

  5. Encompass: $5,342 per year, or about $445 per month.

Cheapest auto insurance in Louisiana for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Louisiana, here are the companies with the lowest average rates for full coverage:

  1. Southern Farm Bureau Casualty: $2,161 per year, or about $180 per month.

  2. Louisiana Farm Bureau: $2,369 per year, or about $197 per month.

  3. Safeway: $2,703 per year, or about $225 per month.

  4. State Farm: $3,036 per year, or about $253 per month.

  5. Geico: $3,824 per year, or about $319 per month.

Cheapest auto insurance in Louisiana for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Southern Farm Bureau Casualty: $2,191 per year, or about $183 per month.

  2. Louisiana Farm Bureau: $2,302 per year, or about $192 per month.

  3. Safeway: $2,879 per year, or about $240 per month.

  4. State Farm: $3,437 per year, or about $286 per month.

  5. Geico: $5,317 per year, or about $443 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 36 of the 48 driver profiles we examined.

Minimum required auto insurance in Louisiana

Louisiana drivers are required to carry liability insurance, which covers others’ injury treatment and property damage after crashes you cause.

The minimum limits you must buy are:

  • $15,000 bodily injury liability per person.

  • $30,000 bodily injury liability per accident.

  • $25,000 property damage liability per accident.

Although this will be enough to drive legally, experts recommend getting more than the bare minimum to avoid paying out of pocket after serious crashes. You may also want optional coverage such as collision, comprehensive and uninsured motorist coverage.

Check out NerdWallet’s guide to car insurance requirements by state for more information on how these coverage options work and what makes sense for your policy.

Alternative car insurance in Louisiana

Drivers who are denied auto insurance on the open market thanks to such factors as a checkered driving record can shop for coverage through the Louisiana Automobile Insurance Plan.

Try our car insurance comparison tool to view rates from top companies.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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 the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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