If you want to find cheap car insurance in Louisiana, don’t go with the first quote you get. Rates for the same coverage options and limits can fluctuate from one insurer to the next, so it’s wise to compare as many estimates as possible. This is especially important in Louisiana, where car insurance rates are among the highest in the country.
NerdWallet has done the heavy lifting for you. We compared rates from the six largest insurers in the state and found the three cheapest options for several driver types.
Cheapest for good drivers
Louisiana Farm Bureau is the cheapest carrier we found in the state for residents with clean driving and credit histories, at $257 per month, on average. Allstate and Progressive were second and third, respectively.
Insurer | Average price |
---|---|
*Louisiana Farm Bureau is not rated because there is not enough data to compare it to larger companies. | |
![]() NerdWallet rating: *Not rated | $3,084/year $257/month |
![]() | $3,260/year $272/month |
![]() | $3,302/year $275/month |
Cheapest for drivers with poor credit
Allstate had the cheapest auto insurance rates we found for Louisiana drivers with poor credit, with an average rate of $439 per month. Louisiana Farm Bureau and State Farm also make the list.
Insurer | Average price |
---|---|
*Louisiana Farm Bureau is not rated because there is not enough data to compare it to larger companies. | |
![]() | $5,263/year $439/month |
![]() NerdWallet rating: *Not rated | $5,387/year $449/month |
![]() | $6,045/year $504/month |
Cheapest for drivers with one at-fault crash
Louisiana Farm Bureau had the cheapest car insurance we found for drivers with a recent on-record accident, with an average price of $277 per month. State Farm was second-cheapest, and Allstate came in third.
Insurer | Average price |
---|---|
*Louisiana Farm Bureau is not rated because there is not enough data to compare it to larger companies. | |
![]() NerdWallet rating: *Not rated | $3,322/year $277/month |
![]() | $4,363/year $364/month |
![]() | $5,121/year $427/month |
Cheapest for low-mileage drivers
Louisiana Farm Bureau was the cheapest insurance provider we found for drivers in the state who put few annual miles on their cars, at an average rate of $229 per month. Progressive and State Farm round out the list with average rates very similar to one another.
Insurer | Average price |
---|---|
*Louisiana Farm Bureau is not rated because there is not enough data to compare it to larger companies. | |
![]() NerdWallet rating: *Not rated | $2,742/year $229/month |
![]() | $3,302/year $275/month |
![]() | $3,308/year $276/month |
Cheapest for minimum coverage
Progressive had the lowest average rate we found for minimum coverage car insurance in Louisiana — and the only one we found in the state under $1,000 per year — at $79 per month. State Farm and Louisiana Farm Bureau also make the list.
Insurer | Average price |
---|---|
*Louisiana Farm Bureau is not rated because there is not enough data to compare it to larger companies. | |
![]() | $943/year $79/month |
![]() | $1,043/year $87/month |
![]() NerdWallet rating: *Not rated | $1,067/year $89/month |
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.
Here’s a summary of where you’ll find the cheapest insurance, by category:
Cheapest car insurance in Louisiana
Category | Cheapest option |
---|---|
Good drivers | Louisiana Farm Bureau |
Drivers with poor credit | Allstate |
Drivers with one at-fault crash | Louisiana Farm Bureau |
Low-mileage drivers | Louisiana Farm Bureau |
Minimum coverage | Progressive |