The Best Car Insurance in Louisiana

Progressive ranks as our top choice for most Louisiana drivers. The company combines strong customer service, competitive rates across nearly all driver categories, and extensive coverage options. The mobile app is stand-out, with same-day claims decisions and no required calls to adjusters. For high-risk drivers with violations or poor credit, Progressive's rates beat competitors significantly.

While Progressive is not the cheapest company in our rankings, they offer competitive rates, especially for drivers with lower credit scores or those with violations. Full coverage averages $207 monthly, with minimum coverage at $77 monthly.
Progressive offers bundling discounts savings of 12 to 25 percent  on both policies for Louisiana home owners.  Their Snapshot telematics program tracks safe driving and rewards good behavior with rate reductions. Paperless billing and automatic payment options add small additional savings.

Progressive's customer experience ratings in Louisiana show strong performance in policy service and claims handling. The mobile app lets you file claims, upload photos, get same-day decisions, and skip calling an adjuster. With 24/7 support and local Louisiana operations, Progressive handles coastal property damage and hurricane-related claims better than national competitors. Wait times for phone support are minimal compared to competitors that we tested.

Progressive offers comprehensive coverage options in Louisiana beyond standard liability, collision, and comprehensive protection. The company provides pet injury coverage, custom parts coverage, gap insurance, roadside assistance, and emergency rental reimbursement. This flexibility lets Louisiana drivers build policies tailored to their specific needs. The ability to customize coverage is particularly valuable for drivers who have unique risks like storm damage and high theft in areas like New Orleans

GEICO ranks best in our analysis of average rates for Louisiana drivers GEICO's digital experience has an intuitive app, fast quotes, and online claims handling.

In Louisiana, GEICO's monthly premiums average $105, with costs ranging from $32 to $1,207 depending on coverage levels and driver profiles. Full coverage averages $156 monthly, while minimum coverage averages $54 monthly. Rates are particularly competitive for drivers with clean records and older vehicles.

Low-income drivers and retirees on fixed incomes see substantial savings. They also stand out with a 15% discount for mililary families, often beating USAA rates.

GEICO has a customer experience rating of 4.6 out of 5 in Louisiana. .Wait times for phone support are longer than Progressive. If you need to discuss a complex claim or have detailed coverage questions, this becomes a limitation.

During hurricane season, GEICO's claims processing takes longer than Progressive's. Progressive's local relationships provide faster resolution during disaster-related claim surges.

GEICO offers standard coverage options in Louisiana including liability, collision, and comprehensive coverage. The company also provides mechanical breakdown coverage for newer vehicles and emergency roadside assistance. Coverage customization is limited compared to Progressive. You get the essentials but nothing beyond standard protections. For drivers of older vehicles or those wanting basic coverage, this works fine. Drivers seeking customization like pet injury coverage or gap insurance will need to look elsewhere.

State Farm ranks best for young drivers and drivers with accidents in Louisiana. Young drivers pay $417 monthly compared to $568 with Farmers and $716 with Progressive. After an at-fault accident, State Farm charges $229 monthly versus $268 at GEICO and $350 at Progressive.

State Farm's 19,000 independent agents provide personalized service for high-risk drivers navigating coverage decisions. The company's rental reimbursement and roadside assistance add-ons address common needs for younger policyholders who may face more frequent vehicle issues.

State Farm offers competitive rates for drivers who typically face higher premiums. Young drivers pay $417 monthly for full coverage, beating Farmers at $568, Progressive at $716 and Allstate at $969. Only GEICO at $384 and Safeway Insurance at $320 offer lower rates.

Drivers with at-fault accidents pay $229 monthly with State Farm, lower than GEICO at $268, Farmers at $302 and Progressive at $350. This pricing advantage makes State Farm attractive for drivers rebuilding their insurance history.

State Farm has a customer experience rating of 4.8 out of 5 in Louisiana. The company's 19,000 independent agents provide personalized service and local claims support. Your experience depends heavily on your specific agent's responsiveness and expertise.

Agent quality varies across Louisiana. Some agents offer exceptional service with quick response times and proactive policy reviews, while others provide more basic support. The 4.6 agent service score reflects this variability in local office performance.

State Farm's mobile app and online tools supplement agent support for policy management and claims filing. Policyholders can handle routine tasks digitally but benefit from agent guidance for complex coverage decisions.

State Farm provides roadside assistance, rental reimbursement and rideshare coverage as add-ons.

Roadside assistance covers towing, flat tire changes and lockout services. Young drivers benefit from this protection as they're more likely to experience mechanical issues. Rental reimbursement provides a temporary vehicle while your car is being repaired, addressing a critical gap for drivers who can't afford to be without transportation during claims. Rideshare coverage protects young drivers who supplement income through Uber or Lyft.

State Farm doesn't offer accident forgiveness, diminishing deductibles, new car replacement, gap insurance or pet injury coverage. Drivers seeking these protections need to look elsewhere.