The Best Car Insurance in Louisiana for 2022
In addition to affordable rates, the best insurance providers provide a combination of financial stability and customer experience. State Farm is the top auto insurance provider in Louisiana, with the greatest customer satisfaction rating. In addition, the provider tied for the highest rating in terms of claims and placed second in terms of affordability.
MoneyGeek compared auto insurance companies on the basis of their rates, customer service and other criteria. In addition, the optimal selection differs depending on the driver's profile. For instance, Allstate offers the best coverage for new cars, while Nationwide ranks first for drivers with low mileage.
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The Best Car Insurance in Louisiana
Furthermore, if you're less concerned with service quality and more concerned with cost, MoneyGeek's research may assist you in finding the cheapest car insurance plans in Louisiana.
Why Trust MoneyGeek? Our scoring system for car insurance in Louisiana incorporates hundreds of quotes analyzed by our data scientists, as well as customer service and financial strength ratings from industry-leading market research firms. Click to learn more about how our scores are calculated out of 100.
Best Full Coverage Car Insurance Companies in Louisiana: Overall
According to MoneyGeek, the following two insurance companies are the best in Louisiana:
- State Farm: MoneyGeek score of 80 out of 100 ($2,442 per year)
- GEICO: MoneyGeek score of 79 out of 100 ($2,437 per year)
With a MoneyGeek rating of 97 out of 100, USAA is the top insurer, but its policies are available only to active and retired military personnel.
MoneyGeek's research of the top car insurance providers in Louisiana considered multiple factors, including claims history, affordability and customer satisfaction. MoneyGeek also determined the most affordable full coverage auto insurance in Louisiana for those looking to reduce their monthly payments.
THE TOP CAR INSURANCE COMPANIES IN LOUISIANA
According to MoneyGeek’s analysis, State Farm is Louisiana's best insurer. It ranked first in user satisfaction, second-best in affordability and tied for first in claims. Its rideshare insurance is great for those working for a ridesharing company.
State Farm’s car insurance policies cost an average of $2,442 per year.
State Farm, like most insurers, provides conventional coverages such as liability insurance, comprehensive insurance and collision insurance. State Farm also provides some of the most common auto insurance add-on coverages, including roadside assistance, rental car and/or travel reimbursement. However, it does not include additional typical coverages such as accident forgiveness, replacement of a new vehicle, gap insurance, deductible modification or better car replacement. State Farm does not offer any unique coverages, although the company does offer rideshare insurance for those who require it. State Farm's rideshare insurance add-on ensures that your auto insurance policy's medical, roadside assistance and rental car reimbursement coverages remain in effect while you work for a ridesharing company. The coverage considers your own deductible, even if it is lower than the ridesharing company's.
GEICO is the second-best car insurance firm in Louisiana. It tied for first in claims, second in customer satisfaction and rates the best for financial stability and affordability. The company's Mechanical Breakdown Insurance is one-of-a-kind.
The average annual rate for car insurance at GEICO is $2,437.
GEICO offers policyholders a range of impressive coverages. GEICO's Mechanical Breakdown Insurance (MBI) covers all parts and systems, not just the specific list of parts covered by most dealer warranties. If your car is unusable for longer than 24 hours due to a covered accident, GEICO will pay up to a specific amount for a rental car. GEICO also forgives accidents for customers with a clean driving record or who reach a milestone anniversary. Accident forgiveness, which prevents premium increases following an at-fault accident, is also available to policyholders who are at least 21 and have maintained an accident-free record for a minimum of five years. Additionally, GEICO offers a discount to policyholders who are members of partner organizations and fraternities, as well as additional reductions for automobiles equipped with anti-lock brakes. Furthermore, the company offers a special discount to customers whose vehicles have daytime running lights.
Allstate tied for second-best in financial stability and scored average in claims and user satisfaction. The company ranked third in affordability, with an average quote of $2,845 yearly. It offers portable electronics and media coverage.
Portable electronics and media coverage covers the loss of any media used with an auto sound system. Comprehensive coverage must be in effect to utilize this benefit. Allstate's policyholders can sign up for Allstate Deductible Rewards and get $100 off their deductible. Every year you remain accident-free earns you an extra $100 off, up to $500. Sound system coverage covers damage to a car's sound system, such as antennas or other components.
With its average quote of $3,561, Progressive tied for second in financial stability, ranked low in affordability and received average scores for user satisfaction and claims. Its custom parts and equipment add-on coverage is one-of-a-kind.
Progressive's custom parts and equipment coverage will repair or replace items you add to your car. These can include a stereo, navigation system, custom wheels or even a paint job. The insurer’s accident forgiveness is also a highlight. This coverage is usually included in your standard car insurance over time. There are two categories, and your eligibility depends on your Progressive tenure.
MoneyGeek analyzed the best full coverage car insurance plans in Louisiana by evaluating quotes from various companies and comparing them to the customer satisfaction and claim ratings from NAIC and J.D. Power. However, each insurance company has its own method of evaluating quotations and takes into account a variety of key variables. See MoneyGeek's approach for more information on this study.
MoneyGeek's Louisiana Car Insurance Resources:
Best Car Insurance in Louisiana for Customer Service
MoneyGeek found State Farm to be the best auto insurance company in Louisiana for customer service.
We ranked the best auto insurance providers in Louisiana purely on user satisfaction and claims history. In terms of customer service, the two companies below are the best in Louisiana:
- State Farm: 85 out of 100
- GEICO: 82 out of 100
THE TOP TWO CAR INSURANCE COMPANIES IN LOUISIANA FOR SERVICE QUALITY
MoneyGeek rated State Farm as the best company for customer service, with a high user satisfaction score of 4.5 out of 5. It also tied for first in claims ratings with a score of 4.
Except for liability coverage, State Farm's unique rideshare insurance add-on ensures that your auto insurance policy's medical, roadside assistance and rental car reimbursement coverages remain in effect while you work for a ridesharing company like Uber. The coverage takes your personal policy's deductible into consideration, even if it is lower than the ridesharing company's. State Farm offers standard coverages, including liability, comprehensive and collision insurance. Roadside assistance, rental car and/or trip reimbursement are just a few of the popular supplemental coverage options you may add-on to your State Farm's car insurance policy. Even though State Farm's auto insurance prices are, on average, affordable, discounts can further reduce premiums. State Farm offers some of the most common auto insurance discounts, such as those for bundling, multiple vehicles, safe driving, anti-theft systems, defensive driving and airbags.
GEICO tied for first place in claims and financial stability and second in user satisfaction. It scored 5 out of 5 for financial stability and 4 for claims and user satisfaction.
Mechanical Breakdown Insurance (MBI) from GEICO is available for cars less than 15 months old and driven less than 15,000 miles. It covers all parts and systems and is less expensive than a dealer-extended warranty. Furthermore, GEICO provides rental car reimbursement by paying up to a predefined sum for a rental vehicle if your car is not drivable for more than 24 hours due to a covered accident. GEICO also offers roadside assistance and accident forgiveness. Roadside assistance covers the cost of flat tires, towing, jump-starts and lockout services. With accident forgiveness, your insurance premium will not increase after your first at-fault collision. However, GEICO does not offer new car replacement or better automobile replacement coverage, which other leading insurance providers typically offer.
Best Car Insurance in Louisiana for Minimum Coverage
State Farm is the best car insurance company for drivers on a budget, followed closely by GEICO, as shown below:
- State Farm: 83 out of 100 ($1,092)
- GEICO: 83 out of 100 ($1,046)
Drivers on a tight budget may choose to purchase the state minimum insurance. MoneyGeek rated Louisiana's insurers based on their quotes for a minimum insurance policy. If you're looking to save money on your premiums, MoneyGeek has also rated companies that offer the most affordable minimum coverage auto insurance in Louisiana for your profile.
MoneyGeek’s Pick: State Farm
An affordable minimum coverage policy at an average of $1,092 per year
It offers discounts for being a safe driver for three continuous years and for bundling home or renters insurance with car insurance. There’s even a discount on medical payments coverage for insuring new cars.
Claims score of 4 out of 5 and user satisfaction ratings of 4.5 out of 5
No discounts for making payments in full or for paperless billing
Even though the rates for State Farm’s auto insurance are reasonable, customers may still qualify for discounts that further decrease the cost of coverage. State Farm offers numerous auto insurance discounts, including those for multiple vehicles, safe driving, anti-theft devices, defensive driving and airbags.
State Farm’s policyholders on a budget can save more money by insuring several cars or by bundling home, renters, condo and life insurance. Furthermore, driving safely for three years in a row may qualify you for discounts. Vehicles with anti-theft devices and airbags and people who finish a defensive driving course qualify for reduced rates.Read MoneyGeek's State Farm Auto Insurance Review
Best Car Insurance in Louisiana for Young Drivers and Students
In Louisiana, State Farm is the best insurance company for young drivers and students.
The companies that provide the most affordable and best coverage for young drivers in Louisiana are:
- State Farm: 89 out of 100
- GEICO: 85 out of 100
Even if you are a student or a young driver in Louisiana, you can get affordable auto insurance that provides great service. If you're looking to save money on your car insurance premium, MoneyGeek has also evaluated the cheapest auto insurance in Louisiana for young drivers, ensuring you obtain the lowest prices. Our research centered on rates for teenagers and drivers in their early 20s.
MoneyGeek’s Pick: State Farm
Affordable quotes for adding students and young drivers at around $5,873 per year
Offers good student, driver's education and distant student discounts
Highest user satisfaction score of 4.5 out of 5
4 out of 5 score for claims ratings
No accident forgiveness, new car replacement, gap insurance, deductible modification or better car replacement coverage
It is costly to insure students and young drivers individually as well as to include them on a parent’s or guardian’s insurance policy. State Farm offers affordable rates to young drivers while providing superior customer service. A high customer service rating indicates that the company provides superior customer service and an efficient claims procedure. Because young drivers are more likely to file claims, working with a company with solid customer service can be advantageous.
Full-time students earning a B average, 3.0 GPA or who rank in the top 20% of their class can get a good student discount from State Farm. Students under 25 who live away from home and only drive while visiting home can get a distant student discount. Additionally, drivers under 21 can obtain a driver’s education discount by completing an approved driver education course.Read MoneyGeek's State Farm Auto Insurance Review
Best Car Insurance in Louisiana for Seniors
MoneyGeek evaluated Louisiana auto insurance providers in terms of customer service and pricing to identify the best option for elderly drivers.
Based on the findings, the leading companies in the state are:
- State Farm: MoneyGeek score of 83 out of 100 ($2,518 per year)
- GEICO: MoneyGeek score of 83 out of 100 ($2,360 per year)
State Farm and GEICO provide senior policyholders with the best combination of cost and customer service. Nonetheless, if affordability is your top concern, you can consult MoneyGeek's rating of insurers offering the cheapest auto insurance for seniors in Louisiana.
MoneyGeek’s Pick: State Farm
One of the less expensive options for seniors, at $2,518 annually
User satisfaction ratings on MoneyGeek are five out of five
Offers a good driver discount
Provides rideshare insurance
There is no accident forgiveness, gap insurance, new car replacement, deductible modification or better car replacement coverage
No unique coverages are provided, like OEM
Seniors typically pay higher auto insurance rates than younger drivers. According to our research, State Farm offers the ideal combination of affordable rates and customer satisfaction. State Farm has a perfect customer satisfaction rating and an above-average rating for customer claims. The insurer is also affordable for most drivers, even seniors.
Budget-conscious State Farm customers can save extra money by insuring several vehicles or bundling home, renters, condo and life insurance. In addition, driving safely for three consecutive years may qualify you for discounts. When insured by State Farm, vehicles with anti-theft devices and airbags qualify for reduced premiums. In addition, drivers who complete a defensive driving course are eligible for pricing discounts.Read MoneyGeek's State Farm Auto Insurance Review
Best Car Insurance in Louisiana for Bad Driving Records
The following companies in Louisiana are the best for drivers with a history of at-fault accidents:
- State Farm: 84 out of 100 ($2,782)
- GEICO: 78 out of 100 ($3,602)
MoneyGeek ranked the best Louisiana auto insurance providers for drivers with a history of traffic offenses, such as being at fault in an accident. The top-rated companies have a good balance between affordability and customer service for those with accident histories on their driving records.
Reviewing MoneyGeek's evaluation of the most affordable auto insurance in Louisiana for drivers with a DUI is another option for drivers interested in cutting costs and saving money.
MoneyGeek’s Pick: State Farm
An affordable full coverage policy for drivers with a bad driving history at roughly $2,782 per year
Offers roadside assistance and rental car reimbursement coverages
Claims score of 4 and user satisfaction ratings of 4.5 out of 5
Does not offer accident forgiveness, new car replacement or better car replacement coverages
At about $2,782 per year, State Farm offers the cheapest car insurance in Louisiana for those with a bad driving history. The company scored 4 for claims and a 4.5 for user satisfaction, with five being the best.
State Farm offers the following coverages, even if you have a poor driving record:
- Roadside Assistance: Roadside assistance services include mechanical assistance, tire replacement, towing and the delivery of fuel, oil and batteries. You will be entitled to one hour of locksmith service if you misplace your key or become locked out of your vehicle.
- Rental Car Reimbursement: If you are at fault in an accident while driving a rented car, this coverage will reimburse you for car rental costs up to a specified limit, travel expenses up to $500 and deductible payback up to $500.
Best Car Insurance in Louisiana for a Military Background
Per MoneyGeek's analysis, USAA is Louisiana’s best car insurance provider for current and former military personnel. The company’s overall MoneyGeek score is 100 out of 100, and it received 5 out of 5 points for financial stability, claims history and affordability, as well as 4.5 ratings for user satisfaction.
The minimum state auto insurance coverage from USAA costs $740 per year on average for a good driver but $2,347 per year for those who are at fault in an accident.
MoneyGeek’s Pick: USAA
An affordable full coverage policy of $2,347 per year on average for poor drivers
Claims score of 5 out of 5, user satisfaction rating of 4.5 out of 5
Offers rental car reimbursement coverage
Offers discounts for being a safe driver
Policies are only accessible to current and former military personnel and their families
In addition to offering some of Louisiana's most affordable insurance plans, USAA is famous for providing its customers with excellent customer service. The company has a strong reputation across the country.
USAA offers the following notable benefits and more:
- Roadside Assistance: With this add-on service, USAA pays for towing, car unlocking, jump-starting, replacing a flat tire and delivering fuel during a roadside emergency.
- Rideshare Insurance: This add-on coverage benefits military members working for a ridesharing company. USAA provides rideshare insurance for the period you're unprotected while waiting for a ridesharing request. If you have a standard USAA auto insurance policy, you may add this coverage for $6 per month.
- Legacy Discount: Those 25 and under who were previously insured by their parent's USAA insurance but are now purchasing their own USAA policy may be eligible for a legacy discount.
- Driver's Education Discount: USAA policyholders are eligible for a discount after completing an authorized driving safety course.
Best Car Insurance in Louisiana for Those With New Cars
MoneyGeek determined the top auto insurance carrier for new-car owners in Louisiana by examining providers that offer new-car replacement coverage, which replaces a damaged vehicle with one of the same make and model. According to our research, the best insurer in this category is:
- Allstate: MoneyGeek score of 68 out of 100 ($2,845 per year)
Drivers who buy a new car should consider adding new car replacement coverage to their policy. If your new car is damaged within the first few years, this protection will cover the cost of purchasing a similar model and brand.
Additionally, if your insurance provides better car replacement coverage, you may be able to replace your damaged car with a newer model. Automobiles must be less than five years old to qualify for this coverage, usually at an added cost.
MoneyGeek’s Pick: Allstate
Affordable policies costing an average of $2,845 per year
Offers new car replacement coverage
Doesn’t offer better replacement coverage
Claims and user satisfaction ratings of 3.5 out of 5
Allstate is MoneyGeek's top choice as the best auto insurance provider for individuals with new cars. The insurer offers new and better car replacement insurance as supplemental coverage. As soon as you begin driving your new automobile, its value gradually decreases. If you do not have the appropriate supplementary insurance coverage, you may incur substantial expenditures to replace your new car if it is destroyed.
With Allstate's new and better car replacement coverage, policyholders can rest assured the company will replace their totaled vehicle. If your car is less than two model years old, Allstate’s new car replacement coverage will replace it with a brand-new model rather than only giving you a check for its depreciated value.Read MoneyGeek's Allstate Auto Insurance Review
Best Car Insurance in Louisiana for Low-Mileage Drivers
Nationwide SmartRide is Louisiana’s top pay-per-mile insurance program, while several other providers offer the most affordable low-mileage insurance.
Pay-per-mile insurance is available from a large number of insurance companies. It allows drivers to pay for car insurance based on the miles they drive each year.
MoneyGeek’s Pick: Nationwide
Offers affordable policies to low-mileage drivers
For frequent drivers, this coverage is more expensive than standard auto insurance
The Nationwide SmartRide program is a discount program that evaluates your driving habits to decide whether you are qualified for certain discounts. It combines pay-per-mile pricing with driving behavior. It determines the amount of your discount based on four criteria, including the number of miles driven, the severity of braking and acceleration, the amount of time spent idling and the frequency with which you drive at night. When it comes time to renew your insurance, you'll get the discount automatically applied. It cannot increase your rates as it offers discounts only.Read MoneyGeek's Nationwide Auto Insurance Review
How to Find the Best Car Insurance in Louisiana For You
Selecting the best car insurance policy in Louisiana involves a lot of factors. Consequently, you should choose a company that strikes an appropriate balance of service quality, affordability and financial stability.
MoneyGeek ranked the best car insurance companies in the state based on these criteria, but you should do your own research as well to identify which insurance company and plan best meets your requirements.
Research customer service reputations in Louisiana
MoneyGeek collected car insurance quotes from various providers using a sample driver profile and analyzed NAIC complaint ratios and J.D. Power's customer satisfaction ratings to determine the best insurers in Louisiana. Along with MoneyGeek's recommendations, you may check J.D. Power's ratings and the NAIC's complaint index to determine which provider is the best fit for your needs. Additional information regarding car insurance may be found on Louisiana's department of insurance's website.
Compare quotes for yourself
MoneyGeek analyzed insurance rates for a sample driver rather than the whole state for this research. To get a better idea of the state's average prices and coverage, you should compare quotes from at least three different insurers.
Make sure the company has coverages you want in Louisiana
Prior to buying a car insurance policy, verify that the company you're considering offers the coverage you need and any applicable discounts or offers. Certain insurers may provide a discount or additional coverage but may not indicate if it is accessible in Louisiana.
Double-check financial stability ratings
A company's financial stability should be considered while buying insurance. Larger insurance companies are more likely to pay claims quickly and fairly. Regional insurance firms, on the other hand, may have financial struggles, resulting in slow claim processing.
FAQs About the Best Car Insurance in Louisiana
Your insurance premium in Louisiana will be determined by a number of variables, including the amount of coverage you need. We've answered some of the most frequently asked questions about car insurance in the state.
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