The best car insurance in Louisiana varies based on your age, driving history, your ward and ZIP code, and how much coverage you need.
Best Car Insurance in Louisiana for 2026
Updated: June 3, 2026
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Our Experience Reviewing Louisiana's Top Car Insurers
Progressive: Best Overall in Louisiana
Progressive earns the top MoneyGeek score in Louisiana at 4.80/5, and a 5/5 customer experience score. Full coverage is $215/month for a 40-year-old male with good credit and a clean record. Progressive ranks sixth on affordability among the top carriers. Drivers whose only priority is the lowest monthly bill will pay less with GEICO. For those weighing service quality against cost, Progressive is the best option in the state.
GEICO: Best for Affordability in Louisiana
At $157/month for full coverage and $55/month for minimum coverage, GEICO ranks as the most affordable option among Louisiana's top carriers for a 40-year-old male with good credit. Its coverage score sits at 2.95/5 due to a thinner add-on lineup. Drivers who need gap insurance, new car replacement or mechanical breakdown coverage will find more options with Farmers or Progressive.
Farm Bureau: Best Customer Experience Alternative
With a 4.98/5 customer experience score, Farm Bureau ranks second only to Progressive's perfect 5/5. Satisfaction ratings are high and complaint volume is low. Its coverage score of 2.50/5 is the lowest among the top five, and its add-on lineup is narrower than Progressive or Farmers. Drivers who want gap insurance, new car replacement or other optional coverages will find more choices elsewhere. Full coverage averages $204/month for clean-record adult drivers.
State Farm: Best Balance of Price and Experience
State Farm pairs a mid-range rate with above-average service: full coverage at $207/month and minimum coverage at $70/month, alongside a 4.78/5 customer experience score that ranks third among the five carriers. That combination makes it the right option for drivers who want a national carrier with reliable claims support. State Farm's coverage score is 2.95/5. Drivers who need the widest add-on selection should look at Farmers instead, which has a 5/5 coverage score.
Farmers: Best Coverage Selection
No Louisiana carrier matches Farmers on add-on variety, where it earns a 5/5 coverage score. Full coverage averages $201/month for clean-record adult drivers, and its affordability score sits at 4.78/5, third among the top five. Its 3.89/5 customer experience score trails Progressive (5/5), Farm Bureau (4.98/5) and State Farm (4.78/5), so drivers who prioritize claims satisfaction will find better options among those three carriers.
Best Car Insurance Companies in Louisiana: Scores and Methodology
Progressive | 4.80/5 | 6 | 1 | 2 |
GEICO | 4.63/5 | 1 | 5 | 4 |
Farm Bureau | 4.60/5 | 4 | 2 | 5 |
State Farm | 4.57/5 | 5 | 3 | 4 |
Farmers | 4.53/5 | 3 | 7 | 1 |
Why You Can Trust MoneyGeek's Louisiana Ratings
MoneyGeek evaluated eight insurance companies in Louisiana, including national carriers and Southeast regional insurers. Rankings combine rate analysis, customer feedback, and coverage assessments across three weighted factors. MoneyGeek does not receive compensation tied to which companies rank highest. Rate data comes from Quadrant Information Services, which sources actual insurance filings across every ZIP code.
Affordability (60%)
Rate quotes were gathered for multiple driver profiles using a baseline 40-year-old male driver with good credit, a clean driving record, and no prior claims. Quotes covered full coverage at 100/300/100,000 limits with a $1,000 comprehensive and collision deductible, plus Louisiana-minimum coverage. Additional quotes covered young drivers and senior drivers. Driver profiles with violations were also tested, including DUI convictions, at-fault accidents, and speeding tickets, to measure how each carrier prices each category. Affordability scores reflect the carrier's performance across all of these driver profiles, with a baseline adult-driver clean-record rate weighted most heavily.
Customer experience (30%)
Customer satisfaction data was compiled from J.D. Power studies (including the 2025 U.S. Auto Insurance Study and the 2025 U.S. Auto Claims Satisfaction Study), AM Best financial strength ratings, and multi-platform review aggregation. NAIC complaint indexes also feed the composite score. J.D. Power scores shown in each carrier section are one input to the composite, not the full ranking.
Coverage options (10%)
Coverage scoring measures provider range of coverage types and LA-specific add-ons. Standard coverages (bodily injury liability, property damage liability, uninsured/underinsured motorist, medical payments / PIP, comprehensive, collision) are included in the baseline score. Add-on coverages weighted in the score include accident forgiveness, new car replacement, rideshare endorsements, gap insurance, custom parts coverage, mechanical breakdown insurance, and pay-per-mile or telematics-based programs. Coverages restricted or unavailable under Louisiana law are excluded from the score for all carriers.
Rates and rankings on this page are based on a 40-year-old male driver with good credit and a clean record. Full coverage car insurance rates use 100/300/100,000 liability limits with a $1,000 comprehensive and collision deductible. Minimum coverage rates use Louisiana's mandatory 15/30/25 liability limits per La. R.S. 32:900(B), without UM, UIM, comprehensive, collision, or MedPay. Louisiana is a tort state with no PIP mandate; first-party medical is optional MedPay. UM/UIM is offered by default but rejectable in writing per La. R.S. 22:1295.
Effective January 1, 2026, Louisiana applies modified comparative negligence with a 51 percent bar per La. Civ. Code art. 2323 (HB 431 / Act 15 of 2025). The 'No Pay, No Play' rule per La. R.S. 32:866 (HB 434 / Act 16 of 2025 effective August 1, 2025) bars uninsured drivers from recovering the first $100,000 in bodily injury or property damage from at-fault drivers.
USAA is excluded from all rankings because it is available only to military members and their families, which limits its accessibility for most readers.
Similar scores can reflect very different strengths in Louisiana:
- Progressive (4.80/5) and GEICO (4.63/5) are 0.17 points apart, but Progressive leads on coverage options (4.82/5 vs. 2.95/5) while GEICO leads on affordability (5/5 vs. 4.70/5) and minimum coverage rates.
- Farm Bureau (4.60/5) and State Farm (4.57/5) are nearly tied, with only a 0.03 point difference. Farm Bureau scores higher in customer experience (4.98/5 vs. 4.78/5) while State Farm gets a better rating than Farm Bureau on coverage options (2.95/5 vs. 2.50/5).
- Farmers (4.53/5) has the highest coverage score (5/5) but the lowest customer experience score (3.89/5). It's best for coverage-focused drivers willing to trade some satisfaction for policy customization.
WHAT'S DIFFERENT ABOUT CAR INSURANCE IN LOUISIANA
Louisiana requires 15/30/25 liability minimums. Starting January 1, 2026, drivers more than 50% at fault in an accident can't recover damages under the state's modified comparative negligence rule. The "No Pay, No Play" rule (effective August 1, 2025) bars uninsured drivers from recovering the first $100,000 in bodily injury or property damage, regardless of fault.
Best Louisiana Car Insurance Company Ratings
Progressive
Best Overall in Louisiana
MoneyGeek Rating
4.8/ 5
4.7/5Affordability
5/5Customer Experience
4.8/5Coverage Options
Average Monthly Full Coverage Rate
$215Average Monthly Minimum Coverage Rate
$74J.D. Power Auto Insurance Study Score
645
GEICO
Best for Affordability in Louisiana
MoneyGeek Rating
4.6/ 5
5/5Affordability
4.4/5Customer Experience
3/5Coverage Options
Average Monthly Full Coverage Rate
$157Average Monthly Minimum Coverage Rate
$55J.D. Power Auto Insurance Study Score
670
Farm Bureau
Best Customer Experience in Louisiana
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
5/5Customer Experience
2.5/5Coverage Options
Average Monthly Full Coverage Rate
$204Average Monthly Minimum Coverage Rate
$84J.D. Power Auto Insurance Study Score
Not Rated
State Farm
Best Balance of Price and Experience
MoneyGeek Rating
4.6/ 5
4.7/5Affordability
4.8/5Customer Experience
3/5Coverage Options
Average Monthly Cost
$207Average Monthly Minimum Coverage Rate
$70J.D. Power Auto Insurance Study Score
677
Farmers
Best Coverage Breadth in Louisiana
MoneyGeek Rating
4.5/ 5
4.8/5Affordability
3.9/5Customer Experience
5/5Coverage Options
Average Monthly Full Coverage Rate
$201Average Monthly Minimum Coverage Rate
$103J.D. Power Auto Insurance Study Score
666
Rates at Louisiana's Best Car Insurance Companies
Louisiana's full coverage average of $213/month is below the national average of $216/month. GEICO's full coverage rate of $157/month is $56/month below the in-state average for this driver profile, the largest gap among the top five. Use MoneyGeek's Louisiana car insurance calculator to estimate your personalized rate. The table below shows full and minimum coverage rates for Louisiana's top-ranked carriers.
$157 | $55 | ~26% | |
$201 | $103 | ~6% | |
Farm Bureau | $204 | $84 | ~4% |
$207 | $70 | ~3% | |
$215 | $74 | — | |
Louisiana Average | *$213* | *$87* | — |
National Average | *$216* | *$61* | — |
Louisiana car insurance rates vary by city, parish and driver profile. New Orleans has some of the highest urban premiums in Louisiana because of hurricane and tropical storm exposure. Statewide flooding also raises premiums above the state average. Baton Rouge and Shreveport get higher rates than the state average, as do Lafayette, Metairie, Lake Charles and Monroe. Rural Louisiana parishes get costs below the state average. The carrier that wins on affordability for a New Orleans ZIP may not win for a rural Tensas or Cameron Parish ZIP.
Coverage Options at Louisiana's Best Car Insurance Companies
Louisiana policies must include bodily injury liability and property damage coverage at minimum limits of 15/30/25, among the lowest bodily injury floors in the nation. Louisiana is a tort state with no personal injury protection (PIP) mandate. Medical payments coverage (MedPay) is optional. Uninsured motorist coverage is a mandatory offer-reject, with underinsured motorist coverage (UIM) paired with UM.
Louisiana permits economic-only UM, covering medical costs and lost wages at a reduced premium, and an optional uninsured motorist property damage (UMPD) endorsement.
Bodily injury liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Property damage liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Comprehensive | ✓ | ✓ | ✓ | ✓ | ✓ |
Collision | ✓ | ✓ | ✓ | ✓ | ✓ |
Uninsured/underinsured motorist | ✓ | ✓ | ✓ | ✓ | ✓ |
Medical payments / PIP | ✓ | ✓ | ✓ | ✓ | ✓ |
Roadside assistance | ✓ | ✓ | ✓ | ✓ | ✓ |
Rental reimbursement | ✓ | ✓ | ✓ | ✓ | ✓ |
Accident forgiveness | ✓ | ✓ | — | ✓ | ✓ |
New car replacement | ✓ | — | — | — | ✓ |
Rideshare coverage | ✓ | ✓ | — | ✓ | ✓ |
Gap insurance | ✓ | — | — | — | ✓ |
Custom parts coverage | ✓ | — | — | — | ✓ |
Coverage total | 13/13 | 10/13 | 8/13 | 10/13 | 12/13 |
Comprehensive coverage vehicle risks. Gulf Coast hurricane and tropical storm damage is a recurring exposure. North and central Louisiana see hail damage and tornado risk, along with pothole-related losses. Comprehensive coverage covers losses that collision coverage doesn't, which makes it a valuable add-on for most Louisiana drivers. All five carriers offer comprehensive and collision coverage.
The "No Pay, No Play" rule means an uninsured driver cannot recover the first $100,000 in bodily injury or property damage from an at-fault driver. Having uninsured motorist coverage closes that gap. Medical payments coverage is optional in Louisiana since the state doesn't mandate PIP. The top five carriers all offer UM/UIM and PIP/MedPay.
Farmers' add-on selections include gap insurance and new-car replacement coverage. GEICO, Farm Bureau and State Farm don't have those coverages. Drivers who finance or lease their vehicles and want gap insurance should look at Farmers or Progressive, the only two carriers among the top five that offer it. For Louisiana drivers who finance or lease their vehicles, Farmers' gap insurance provides financial protection that other top-ranked carriers can't match.
How to Use These Rankings to Find Your Best Louisiana Carrier
Your best Louisiana carrier depends on which factor is most important to your situation.
Price is your top priority
GEICO has the lowest full coverage rate among Louisiana's top five at $157/month for a 40-year-old male with good credit, 26% below the in-state average. It also has the cheapest minimum coverage at $55/month. Our cheapest Louisiana car insurance breakdown includes the cheapest options across all driver profiles.
You want the best Louisiana claims experience
Progressive earns the highest customer experience score among Louisiana's top five at 5/5. Farm Bureau has the second-highest at 4.98/5, driven by a very low NAIC complaint index and strong satisfaction signals from Louisiana policyholders. Both scores draw from AM Best, NAIC complaint index data and multi-platform review data. Progressive scores 645 in J.D. Power's 2025 U.S. Auto Insurance Study for the Southeast region; Farm Bureau isn't rated in that study. Drivers who want the highest-scoring regional carrier for claims satisfaction should consider Farm Bureau, while those who want the top overall score should consider Progressive.
Price and coverage both matter to you
Progressive is #1 in Louisiana, with a 4.80/5 MoneyGeek score. Its 5/5 customer experience score pairs with a 4.82/5 coverage options score and a full coverage rate of $215/month. Its range of available coverages includes gap insurance, new car replacement, rideshare endorsement and custom parts coverage. Progressive is the top-ranked carrier in Louisiana for drivers seeking broad financial protection and above-average service.
There's a young driver in your household
GEICO has affordable rates for young drivers in Louisiana. Adding a teen or young adult driver raises premiums across all carriers, but GEICO's affordability advantage tends to hold across age groups. Bundling auto with home or renters insurance can also reduce the total cost. Drivers who want details on bundling options can find them in our best home and auto bundle in Louisiana.
Your record has a DUI or violation
Progressive has rates among the more affordable options for Louisiana drivers with a DUI or at-fault accident. Louisiana requires an SR-22 filed with the Louisiana Office of Motor Vehicles after DUI convictions; a three-year filing period is standard. Louisiana doesn't use FR-44. Full details on SR-22 requirements are in our Louisiana SR-22 insurance guide.
You live in New Orleans or Shreveport
Both New Orleans and Shreveport have urban premiums above the state average because of vehicle theft, traffic density and storm exposure. ZIP-level rate comparisons for each city are in our cheapest car insurance in New Orleans and cheapest car insurance in Shreveport guides.
Best Louisiana Car Insurance: FAQ
What is the minimum car insurance required in Louisiana?
Louisiana requires bodily injury liability of 15/30 (per person/per accident) and property damage liability of $25,000, among the lowest minimums in the nation. UM/UIM coverage is offered by default but may be rejected in writing. Louisiana is a tort state with no PIP mandate; MedPay is optional. Most drivers benefit from having limits above the state minimum, given Louisiana's tort environment and the new 51% comparative negligence bar effective January 1, 2026.
What happens if I drive without insurance in Louisiana?
Driving without insurance in Louisiana can result in fines, vehicle impoundment, and notification to the Louisiana Office of Motor Vehicles (OMV). Louisiana uses electronic insurance verification; insurers must notify the OMV when a policy is canceled or expires. Under the updated 'No Pay, No Play' rule, uninsured drivers can't recover the first $100,000 in bodily injury damages or the first $100,000 in property damage, regardless of fault. Prior thresholds were $15,000 in bodily injury and $25,000 in property damage.
Which Louisiana car insurance company is cheapest for full coverage?
GEICO offers the lowest full coverage rate among Louisiana's top-ranked carriers at $157/month for a 40-year-old male with good credit and a clean record at the 100/300/100 tier with a $1,000 deductible. Farmers ($201/month) and Farm Bureau ($204/month) are the next most affordable on full coverage. Rates vary by ZIP code, driver age, and driving record. Our cheapest Louisiana car insurance guide breaks down the most affordable options across driver profiles.
Is Louisiana a no-fault state?
No, Louisiana is a tort (at-fault) state, not a no-fault state. Injured drivers must seek compensation from the at-fault driver's liability insurance.
Does Louisiana require uninsured motorist coverage?
Louisiana doesn't require uninsured motorist (UM) coverage, but insurers must offer it by default at limits equal to your liability coverage. You can reject UM/UIM coverage in writing. Louisiana also permits economic-only UM at a reduced premium, which covers medical costs and lost wages but not pain and suffering, and an optional UMPD endorsement ($25,000 maximum, $250 deductible).
How does Louisiana's 'No Pay, No Play' law affect my car insurance?
Louisiana's updated 'No Pay, No Play' rule bars uninsured drivers from recovering the first $100,000 in bodily injury damages and the first $100,000 in property damage from an at-fault driver, even if the other driver is 100% at fault. Prior thresholds were $15,000 in bodily injury and $25,000 in property damage. The rule gives uninsured drivers a direct financial reason to maintain continuous coverage.
Sources
- AM Best. "Ratings Services." Accessed 2026.
- J.D. Power. "2025 U.S. Auto Insurance Study." Accessed 2026.
- J.D. Power. "2025 U.S. Auto Claims Satisfaction Study." Accessed 2026.
- Louisiana Department of Public Safety - Office of Motor Vehicles. “3-5.00 Compliance.” Accessed 2026.
- Louisiana Office of the Governor. “2025 Insurance Reforms.” Accessed 2026.
- Louisiana State Legislature. "RS 22:1295." Accessed 2026.
For the complete breakdown of MoneyGeek's scoring weights and rate baseline construction, see our full auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.