The Cheapest Car Insurance in Louisiana for March 2024

Southern Farm Bureau Casualty offers the cheapest car insurance in Louisiana, with an average annual rate of $1,903 for full coverage.
Ben Moore
By Ben Moore 
Updated
Edited by Lacie Glover

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Auto insurance is an important purchase, but finding cheap car insurance in Louisiana isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Louisiana is Southern Farm Bureau at $1,903 per year on average, or $159 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Louisiana. Meanwhile, the average cost of full coverage car insurance in Louisiana is $3,608 per year, or about $301 per month.

Minimum coverage in Louisiana is $876 per year on average, but we found you can likely get a cheaper policy. For example, Southern Farm Bureau offers the cheapest rates in Louisiana at $476 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

NerdWallet also analyzed car insurance rates to find the cheapest options in New Orleans.

How we chose the cheapest companies in Louisiana

NerdWallet’s editorial team analyzed car insurance rates from 12 auto insurers in Louisiana and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Louisiana 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.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best 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: $3,077 per year, or about $256 per month.
  2. Louisiana Farm Bureau: $5,421 per year, or about $452 per month.
  3. Progressive: $6,196 per year, or about $516 per month.
  4. Geico: $6,547 per year, or about $546 per month.
  5. Allstate: $8,482 per year, or about $707 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. Southern Farm Bureau: $1,071 per year, or about $89 per month.
  2. Geico: $1,412 per year, or about $118 per month.
  3. Progressive: $1,509 per year, or about $126 per month.
  4. Louisiana Farm Bureau: $1,569 per year, or about $131 per month.
  5. Allstate: $2,095 per year, or about $175 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. Southern Farm Bureau: $1,751 per year, or about $146 per month.
  2. Geico: $1,823 per year, or about $152 per month.
  3. Allstate: $2,105 per year, or about $175 per month.
  4. Safeway: $2,268 per year, or about $189 per month.
  5. Progressive: $2,551 per year, or about $213 per month.

Cheapest auto insurance in Louisiana for 20-year-old drivers with one speeding ticket

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

  1. Southern Farm Bureau: $1,260 per year, or about $105 per month.
  2. Louisiana Farm Bureau: $1,669 per year, or about $139 per month.
  3. Progressive: $1,749 per year, or about $146 per month.
  4. Geico: $2,051 per year, or about $171 per month.
  5. Safeway: $2,378 per year, or about $198 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. Southern Farm Bureau: $1,406 per year, or about $117 per month.
  2. Louisiana Farm Bureau: $1,848 per year, or about $154 per month.
  3. Progressive: $1,864 per year, or about $155 per month.
  4. Geico: $2,062 per year, or about $172 per month.
  5. Safeway: $2,924 per year, or about $244 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: $1,530 per year, or about $128 per month.
  2. Louisiana Farm Bureau: $1,819 per year, or about $152 per month.
  3. Progressive: $1,847 per year, or about $154 per month.
  4. Allstate: $2,777 per year, or about $231 per month.
  5. Geico: $3,088 per year, or about $257 per month.

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

  1. Southern Farm Bureau: $2,065 per year, or about $172 per month.
  2. Louisiana Farm Bureau: $2,623 per year, or about $219 per month.
  3. Geico: $3,144 per year, or about $262 per month.
  4. Progressive: $3,351 per year, or about $279 per month.
  5. Encompass: $4,233 per year, or about $353 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. Southern Farm Bureau: $553 per year, or about $46 per month.
  2. Geico: $588 per year, or about $49 per month.
  3. Louisiana Farm Bureau: $716 per year, or about $60 per month.
  4. Progressive: $818 per year, or about $68 per month.
  5. Allstate: $862 per year, or about $72 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. Southern Farm Bureau: $3,681 per year, or about $307 per month.
  2. Geico: $4,503 per year, or about $375 per month.
  3. Louisiana Farm Bureau: $5,131 per year, or about $428 per month.
  4. Allstate: $5,657 per year, or about $471 per month.
  5. Progressive: $6,023 per year, or about $502 per month.

Cheapest auto insurance in Louisiana for 30-year-old drivers with one speeding ticket

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

  1. Southern Farm Bureau: $651 per year, or about $54 per month.
  2. Louisiana Farm Bureau: $765 per year, or about $64 per month.
  3. Allstate: $994 per year, or about $83 per month.
  4. Progressive: $1,018 per year, or about $85 per month.
  5. Geico: $1,114 per year, or about $93 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: $2,597 per year, or about $216 per month.
  2. Louisiana Farm Bureau: $3,008 per year, or about $251 per month.
  3. Allstate: $5,087 per year, or about $424 per month.
  4. Progressive: $5,159 per year, or about $430 per month.
  5. State Farm: $5,681 per year, or about $473 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: $2,653 per year, or about $221 per month.
  2. Louisiana Farm Bureau: $2,918 per year, or about $243 per month.
  3. Progressive: $4,757 per year, or about $396 per month.
  4. Allstate: $4,831 per year, or about $403 per month.
  5. State Farm: $6,594 per year, or about $549 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: $1,811 per year, or about $151 per month.
  2. Louisiana Farm Bureau: $2,492 per year, or about $208 per month.
  3. Progressive: $3,073 per year, or about $256 per month.
  4. Geico: $3,144 per year, or about $262 per month.
  5. Encompass: $4,233 per year, or about $353 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. Southern Farm Bureau: $442 per year, or about $37 per month.
  2. Geico: $588 per year, or about $49 per month.
  3. Louisiana Farm Bureau: $660 per year, or about $55 per month.
  4. Progressive: $745 per year, or about $62 per month.
  5. Allstate: $862 per year, or about $72 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. Southern Farm Bureau: $3,273 per year, or about $273 per month.
  2. Geico: $4,503 per year, or about $375 per month.
  3. Louisiana Farm Bureau: $4,927 per year, or about $411 per month.
  4. Progressive: $5,564 per year, or about $464 per month.
  5. Allstate: $5,657 per year, or about $471 per month.

Cheapest auto insurance in Louisiana for 40-year-old drivers with one speeding ticket

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

  1. Southern Farm Bureau: $521 per year, or about $43 per month.
  2. Louisiana Farm Bureau: $700 per year, or about $58 per month.
  3. Progressive: $936 per year, or about $78 per month.
  4. Allstate: $994 per year, or about $83 per month.
  5. Geico: $1,114 per year, or about $93 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: $2,256 per year, or about $188 per month.
  2. Louisiana Farm Bureau: $2,832 per year, or about $236 per month.
  3. Progressive: $4,821 per year, or about $402 per month.
  4. Allstate: $5,087 per year, or about $424 per month.
  5. State Farm: $5,607 per year, or about $467 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: $2,277 per year, or about $190 per month.
  2. Louisiana Farm Bureau: $2,731 per year, or about $228 per month.
  3. Progressive: $4,421 per year, or about $368 per month.
  4. Allstate: $4,831 per year, or about $403 per month.
  5. Auto Club of SoCal: $6,434 per year, or about $536 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 cheap auto 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: $1,758 per year, or about $147 per month.
  2. Louisiana Farm Bureau: $2,192 per year, or about $183 per month.
  3. Progressive: $2,803 per year, or about $234 per month.
  4. Geico: $2,897 per year, or about $241 per month.
  5. Encompass: $3,651 per year, or about $304 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. Southern Farm Bureau: $432 per year, or about $36 per month.
  2. Geico: $550 per year, or about $46 per month.
  3. Louisiana Farm Bureau: $573 per year, or about $48 per month.
  4. Progressive: $693 per year, or about $58 per month.
  5. Allstate: $768 per year, or about $64 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. Southern Farm Bureau: $3,177 per year, or about $265 per month.
  2. Geico: $4,182 per year, or about $349 per month.
  3. Louisiana Farm Bureau: $4,301 per year, or about $358 per month.
  4. Progressive: $5,088 per year, or about $424 per month.
  5. Allstate: $5,189 per year, or about $432 per month.

Cheapest auto insurance in Louisiana for 50-year-old drivers with one speeding ticket

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

  1. Southern Farm Bureau: $509 per year, or about $42 per month.
  2. Louisiana Farm Bureau: $612 per year, or about $51 per month.
  3. Progressive: $879 per year, or about $73 per month.
  4. Allstate: $929 per year, or about $77 per month.
  5. Geico: $1,027 per year, or about $86 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: $2,179 per year, or about $182 per month.
  2. Louisiana Farm Bureau: $2,503 per year, or about $209 per month.
  3. Progressive: $4,548 per year, or about $379 per month.
  4. Allstate: $4,639 per year, or about $387 per month.
  5. State Farm: $5,384 per year, or about $449 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: $2,205 per year, or about $184 per month.
  2. Louisiana Farm Bureau: $2,422 per year, or about $202 per month.
  3. Progressive: $4,149 per year, or about $346 per month.
  4. Allstate: $4,407 per year, or about $367 per month.
  5. State Farm: $6,179 per year, or about $515 per month.

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 car 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: $1,826 per year, or about $152 per month.
  2. Louisiana Farm Bureau: $2,230 per year, or about $186 per month.
  3. Progressive: $2,677 per year, or about $223 per month.
  4. Geico: $2,897 per year, or about $241 per month.
  5. Encompass: $3,651 per year, or about $304 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. Southern Farm Bureau: $472 per year, or about $39 per month.
  2. Geico: $567 per year, or about $47 per month.
  3. Louisiana Farm Bureau: $592 per year, or about $49 per month.
  4. Progressive: $690 per year, or about $58 per month.
  5. Allstate: $768 per year, or about $64 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. Southern Farm Bureau: $3,300 per year, or about $275 per month.
  2. Geico: $4,187 per year, or about $349 per month.
  3. Louisiana Farm Bureau: $4,375 per year, or about $365 per month.
  4. Progressive: $4,858 per year, or about $405 per month.
  5. Allstate: $5,189 per year, or about $432 per month.

Cheapest auto insurance in Louisiana for 60-year-old drivers with one speeding ticket

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

  1. Southern Farm Bureau: $555 per year, or about $46 per month.
  2. Louisiana Farm Bureau: $635 per year, or about $53 per month.
  3. Progressive: $876 per year, or about $73 per month.
  4. Allstate: $962 per year, or about $80 per month.
  5. Geico: $1,027 per year, or about $86 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: $2,268 per year, or about $189 per month.
  2. Louisiana Farm Bureau: $2,552 per year, or about $213 per month.
  3. Progressive: $4,432 per year, or about $369 per month.
  4. Allstate: $4,639 per year, or about $387 per month.
  5. State Farm: $5,115 per year, or about $426 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: $2,299 per year, or about $192 per month.
  2. Louisiana Farm Bureau: $2,472 per year, or about $206 per month.
  3. Progressive: $4,015 per year, or about $335 per month.
  4. Allstate: $4,407 per year, or about $367 per month.
  5. State Farm: $5,842 per year, or about $487 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Louisiana for 70-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: $2,033 per year, or about $169 per month.
  2. Louisiana Farm Bureau: $2,459 per year, or about $205 per month.
  3. Progressive: $2,920 per year, or about $243 per month.
  4. Geico: $3,155 per year, or about $263 per month.
  5. Allstate: $3,941 per year, or about $328 per month.

Cheapest minimum coverage car insurance in Louisiana for 70-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. Southern Farm Bureau: $566 per year, or about $47 per month.
  2. Louisiana Farm Bureau: $676 per year, or about $56 per month.
  3. Geico: $693 per year, or about $58 per month.
  4. Allstate: $768 per year, or about $64 per month.
  5. Progressive: $773 per year, or about $64 per month.

Cheapest auto insurance in Louisiana for 70-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. Southern Farm Bureau: $3,673 per year, or about $306 per month.
  2. Geico: $4,635 per year, or about $386 per month.
  3. Louisiana Farm Bureau: $4,816 per year, or about $401 per month.
  4. Allstate: $5,189 per year, or about $432 per month.
  5. Progressive: $5,244 per year, or about $437 per month.

Cheapest auto insurance in Louisiana for 70-year-old drivers with one speeding ticket

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

  1. Southern Farm Bureau: $666 per year, or about $56 per month.
  2. Louisiana Farm Bureau: $726 per year, or about $61 per month.
  3. Allstate: $962 per year, or about $80 per month.
  4. Progressive: $1,018 per year, or about $85 per month.
  5. Geico: $1,184 per year, or about $99 per month.

Cheapest auto insurance in Louisiana for 70-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: $2,556 per year, or about $213 per month.
  2. Louisiana Farm Bureau: $2,812 per year, or about $234 per month.
  3. Allstate: $4,639 per year, or about $387 per month.
  4. Progressive: $5,016 per year, or about $418 per month.
  5. State Farm: $5,559 per year, or about $463 per month.

Cheapest auto insurance in Louisiana for 70-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: $2,610 per year, or about $218 per month.
  2. Louisiana Farm Bureau: $2,749 per year, or about $229 per month.
  3. Allstate: $4,407 per year, or about $367 per month.
  4. Progressive: $4,416 per year, or about $368 per month.
  5. State Farm: $6,489 per year, or about $541 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 five auto insurance options for 70 of the 70 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 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.