Cheapest Car Insurance in Louisiana for 2026

GEICO has the cheapest full coverage in Louisiana at $164 a month, the cheapest minimum coverage at $56 a month and the lowest rate for bad credit at $179 a month. GEICO is the most affordable despite Progressive's higher overall MoneyGeek score. For a clean record, quote GEICO first. After a DUI or at-fault accident, quote State Farm offers the affordable choice. For teens at ages 16 and 17 or after a speeding ticket, quote Safeway. Louisiana's direct-action statute and high uninsured driver rate push full coverage rates well above the national average. GEICO's 4.63/5 MoneyGeek score is the highest in the state, making it the best car insurance in Louisiana,

Cheapest Minimum Coverage in Louisiana

The $108 monthly difference between minimum and full coverage at GEICO is lower than the $111 spread between Louisiana's cheapest and most expensive minimum coverage carriers ($56 at GEICO vs. $167 at Farmers). GEICO at $56 is $16 less than State Farm at $72. When someone else causes the accident, your insurer manages the resolution on your behalf, so your service record matters here. Quote GEICO first for minimum coverage in Louisiana.

Cheapest Full Coverage in Louisiana

GEICO charges $164 a month for full coverage, the cheapest in Louisiana and $50 less than State Farm at $214. GEICO ranks fourth in Louisiana for coverage options, so more add-ons are available at higher price points. State Farm at $214 a month has the stronger service record in Louisiana, at $50 more per month than GEICO.

Safeway is the cheapest option for 16-year-old drivers in Louisiana at $630 a month for males and $617 a month for females, and it stays that way at ages 16 and 17. State Farm prices the 18-year-old male rate lowest at $535 a month, then GEICO is the cheapest for both genders from age 19 through 25. At 19, GEICO's rates drop $185 a month for males and $147 a month for females in a single year. Re-quote GEICO at age 19 to save $147 a month ($1,764 a year) for females and $185 a month ($2,220 a year) for males. Use the how to switch car insurance companies guide for when and how you can switch insurers.

At age 19, female drivers in Louisiana are priced higher than males with the same insurer. A 19-year-old female pays $385 a month vs. $350 a month for a male, and that cost gap persists through age 25, where the female rate of $174 a month exceeds the male rate of $158 a month by $16. Teen drivers file more claims than any other age group. Safeway has the lowest customer experience score among the insurers on this page. For a profile that files more claims than any other, that's worth knowing before committing past age 17.

GEICO is the cheapest senior option in Louisiana at $167 a month. GEICO also has a stronger service record than Farmers at $185 a month, so seniors get better service at a lower price with GEICO than Farmers. GEICO has local agents across Louisiana for policy questions and support, but claims are handled through its app or by phone. Seniors who prefer in-person claims support should take that into consideration. Seniors currently paying State Farm's $212 a month can re-quote GEICO at the next renewal to recover $45 a month ($540 a year), but GEICO's app and phone claims process is the tradeoff. Louisiana's senior rates are among the highest in the country. At $167 a month, GEICO's senior rate in Louisiana is still well above what seniors pay in most other states. Seniors can compare rates across every state at cheapest car insurance for seniors.

Farm Bureau has the cheapest minimum coverage rates in 18 of 20 Louisiana cities, from $31 a month in Sulphur to $79 a month in New Orleans. That $576 a year difference within one insurer is three times the $192 a year gap between the two cheapest insurers statewide. In Louisiana, where you live matters more than which insurer you pick for minimum coverage. GEICO is cheapest in Lafayette at $65 a month and Metairie at $80 a month. Quote GEICO first in those two cities. Re-quote Farm Bureau before any address change in Louisiana, because the same policy can cost up to $48 a month more depending on where you move.

State Farm is the cheapest after an at-fault accident at $237 a month and after a DUI at $225 a month. At-fault costs $12 more than DUI at the same insurer. Louisiana's direct-action statute lets injured parties sue the insurer directly, raising the costs of at-fault claims in the state. Safeway is the most affordable for speeding at $223 a month. GEICO is the cheapest for a texting violation at $193 a month and for bad credit at $179 a month.

Louisiana requires an SR-22 for DUI convictions under La. R.S. 32:896. This should be kept active for three years from the conviction date. State Farm files the SR-22 directly with the state. Confirm your insurer files the SR-22 directly before choosing coverage. For filing requirements and costs, see the SR-22 car insurance in Louisiana guide. Drivers who need SR-22 coverage without a vehicle can get it through a non-owner car insurance policy in Louisiana. Re-quote when your insurer stops applying the rate increase. Your rate won't drop automatically.