Progressive is the best overall car insurance company in Louisiana, earning a MoneyGeek score of 4.78 out of 5 for its strong customer service, affordable rates and comprehensive coverage options. Since insurance needs vary by driver, we also recommend considering GEICO, State Farm, Farm Bureau and AAA.
Best Car Insurance in Louisiana
Updated: August 27, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Louisiana is Progressive, ranking first in customer experience with a perfect 5-out-of-5 score.
State Farm offers the best car insurance in Louisiana for drivers with accidents, while GEICO provides the most affordable coverage for low-income residents.
Louisiana drivers should determine their coverage needs, research provider options and compare plenty of quotes to find the best insurance rates.
Best Car Insurance Companies in Louisiana
| Progressive | 4.78 | $151 | 1 | 2 |
| GEICO | 4.63 | $105 | 5 | 4 |
| State Farm | 4.57 | $141 | 3 | 4 |
| Farm Bureau | 4.54 | $150 | 2 | 5 |
| AAA | 4.38 | $178 | 4 | 4 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Louisiana by Driver Profile
Progressive leads Louisiana auto insurance rates in seven out of ten driver categories. State Farm offers the lowest rates for young drivers and those with accidents, while GEICO provides the most affordable coverage for low-income drivers.
| Young Drivers | State Farm | 3 | 3 | 4 |
| Adult Drivers | Progressive | 5 | 1 | 2 |
| Senior Drivers | Progressive | 4 | 1 | 2 |
| Drivers With an Accident | State Farm | 1 | 3 | 4 |
| Drivers With a DUI | Progressive | 3 | 1 | 2 |
| Drivers With A Speeding Ticket | Progressive | 5 | 1 | 2 |
| Drivers With Bad Credit | Progressive | 3 | 1 | 2 |
| Drivers With Low Income | GEICO | 1 | 5 | 4 |
| Drivers With Newer Cars | Progressive | 2 | 1 | 2 |
| Drivers With Old Cars | Progressive | 5 | 1 | 2 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Louisiana Car Insurance Recommendations
Our general recommendations might not match your specific needs. You can compare the top five insurance providers below to find coverage that fits your personal profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Progressive | 4.51 | $316 | 1 | 2 |
| Farm Bureau | 4.50 | $242 | 2 | 5 |
| GEICO | 4.33 | $260 | 5 | 4 |
| Allstate | 4.28 | $295 | 6 | 3 |
| Safeway Insurance | 4.25 | $166 | 8 | 5 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Louisiana Car Insurance Reviews
Check out our detailed service analysis for each top-rated insurance company below.
Progressive
Best Customer Experience and Coverage Options in Louisiana
MoneyGeek Rating
4.8/ of 5
4.7/5Affordability
5/5Customer Experience
4.8/5Coverage Options
Average Monthly Full Coverage Cost
$225For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$77For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.3/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Pet Injury Coverage
GEICO
Best Cheap Car Insurance in Louisiana
MoneyGeek Rating
4.6/ of 5
5/5Affordability
4.4/5Customer Experience
2.9/5Coverage Options
Average Monthly Full Coverage Cost
$156For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$54For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
How to Find the Best Car Insurance in Louisiana
Looking for the right car insurance in Louisiana doesn't have to be complicated. Our guide helps you find coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
Take time to evaluate your driving patterns, vehicle value and financial situation when choosing coverage you need while meeting Louisiana required minimums.
- 2
Research average costs and discounts you may qualify for
Research average car insurance costs in Louisiana. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can also mean more savings.
- 3
Look through provider customer experiences and coverage options thoroughly
Review provider coverage options and add-ons, and look at customer reviews.
- 4
Consider non-standard coverage options
Alternative options like manufacturer insurance, non-owner car insurance, and pay-per-mile policies might better suit your needs. If you need an SR-22 in Louisiana, be sure to factor this into your provider selection.
- 5
Compare plenty of quotes through multiple means
Getting multiple quotes is crucial to finding the cheapest option possible. Gather quotes through different channels including independent agents, direct from insurers and comparison websites to find the best rates.
- 6
Reassess annually
Review your coverage and shop for new quotes each year to find the best deal.
Best Louisiana Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Progressive is the top-rated company overall, while GEICO and State Farm are also good options for drivers in Louisiana.
Best Auto Insurance in Louisiana: FAQ
Your ideal car insurance depends on your needs and preferences, so here are answers to common questions that'll help you select the right policy.
What is the best car insurance company in Louisiana?
Progressive is the best car insurance company in Louisiana overall, with a MoneyGeek score of 4.78 out of 5 and an average monthly premium of $225 for full coverage.
What is the best car insurance company for minimum coverage in Louisiana?
GEICO offers the most competitive minimum coverage in Louisiana with average rates starting at $645 per year.
What is the best car insurance in Louisiana for young drivers?
State Farm provides the best insurance option for young adults in Louisiana, offering competitive rates at $151 per month and reliable customer service.
What is the best car insurance for Louisiana drivers who value customer service?
Progressive ranks highest for customer experience in Louisiana with a score of 5 out of 5. The company excels in its buying process, agent service, policy management tools and general claims satisfaction.
What is the best car insurance in Louisiana if you have driving offenses?
Progressive leads the pack for Louisiana drivers with violations, offering monthly rates of $102 for minimum coverage and $299 for full coverage auto insurance.
How We Rated the Best Car Insurance in Louisiana
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Louisiana. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Louisiana. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Louisiana-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.