Cheapest Car Insurance in Louisiana

Louisiana drivers get the cheapest full coverage from GEICO at $166 per month, which totals $1,988 per year and is 33% below the state average. Safeway follows closely at $2,008 per year, or $167 per month, making both companies strong options for affordable full coverage.

The remaining companies list higher prices. Farmers costs $2,358 per year, Farm Bureau reaches $2,465 and State Farm comes in at $2,483. The $495 yearly difference between GEICO and State Farm shows why Louisiana drivers benefit from comparing car insurance quotes. That gap equals about two months of free coverage simply by choosing a lower-priced carrier.

GEICO has the lowest price for liability-only coverage at $697 per year, which is well below the Louisiana state average. AAA charges $1,084 per year for the same state-required coverage, which is $387 more than GEICO’s rate. Choosing GEICO instead of AAA saves enough in one year to pay for seven months of GEICO’s minimum coverage.

Across 19 of Louisiana’s 20 largest cities, Farm Bureau posts the lowest minimum coverage rates. Drivers in New Orleans pay $79 per month for minimum coverage, while drivers in Bossier City pay $32 per month. That creates a $564 yearly difference for cities only a few hours apart.

Louisiana cities show big differences in car insurance rates. 

Metairie drivers pay $83 per month for minimum coverage, while West Monroe drivers pay $37 per month, which is a $552 yearly gap for the same state-required coverage. These differences come from local factors such as theft rates, accident frequency and repair costs.

Young drivers age 16 pay the least with Southern Farm Bureau, priced at $348 per month for minimum coverage, or $4,176 per year. By age 25, GEICO gives young adults the lowest rate at $87 per month, or $1,044 per year.

This creates a $3,132 yearly difference between ages 16 and 25 and shows how insurers price risk. Car insurance for teens costs more because teen drivers are involved in more accidents on average, even when their own records are clean.

Note: Teen drivers under 18 may have extra legal requirements that differ by state. Parents or guardians usually need to be involved when a minor gets car insurance.

Southern Farm Bureau offers the lowest senior rates in Louisiana at $89 per month for drivers ages 70 to 80. This creates an unusual trend where premiums drop as seniors get older. At age 65, the monthly rate is $115, and it decreases by $26 per month over the next 15 years, which adds up to $312 in yearly savings.

In most states, rates go up after age 70 because slower reaction times and higher accident rates increase risk. Louisiana’s pattern shows that Southern Farm Bureau places more weight on long driving experience than on age-related risk.

Full coverage rises slightly from $171 per month at age 65 to $186 per month for ages 70 to 80, which reflects higher repair costs for all drivers. Minimum coverage, however, stays at $89 per month for ages 70 to 80, helping keep Louisiana one of the more affordable states for senior drivers.

State Farm offers the cheapest DUI car insurance in Louisiana at $74 per month for minimum coverage, compared to Progressive’s $84 per month. That creates a $120 yearly difference for the same state-required coverage after a DUI conviction.

Full coverage brings three affordable options close together. State Farm charges $217 per month, Safeway is slightly higher at $219 and Farm Bureau follows at $223. These rates fall within a $72 yearly range, showing how close the pricing is for high-risk coverage.

GEICO's clean-record dominance evaporates after DUIs. The carrier jumps to $335 monthly for full coverage, $118 more per month than State Farm. That's an additional $1,416 in annual costs.

The steep increase in GEICO’s premiums shows that the company rates DUIs much higher in Louisiana. State Farm's modest 5% increase positions them as the budget-friendly choice for drivers with DUI convictions.

Southern Farm Bureau offers the cheapest SR-22 insurance in Louisiana at $100 per month for minimum coverage, compared to GEICO’s $122 monthly rate. An SR-22 certificate proves you carry the required coverage after serious violations and your insurer files this form with Louisiana’s DMV as documentation. It's not a separate insurance policy.

Full coverage through Southern Farm Bureau costs $217 per month with an SR-22 filing, while GEICO charges $337. 

The yearly savings add up: Southern Farm Bureau customers pay $264 less per year for minimum coverage compared to GEICO and $1,440 less per year for full coverage.

GEICO offers affordable non-owner car insurance at $142 per month, which is only $3 less than State Farm’s $145 monthly rate. This type of coverage works well for drivers who need proof of insurance without owning a vehicle, such as those reinstating a license after a suspension, meeting SR-22 requirements or relying on car rentals.

Non-owner policies provide liability coverage only, meaning they cover damage you cause to others but not damage to the vehicle you are driving. This limited protection keeps the price lower than a standard auto policy.

The small difference between GEICO at $142 and State Farm at $145 shows that price plays a smaller role when choosing non-owner coverage. Both companies offer competitive rates, with only a $3 yearly difference.

State Farm offers the cheapest post-accident minimum coverage at $80 per month, which is 34% below Louisiana’s state average for drivers with accidents. After an at-fault crash, premiums usually rise by 20% to 40% and remain higher for three to five years.

Safeway provides affordable post-accident full coverage at $206 per month. This is $62 lower than GEICO’s $268 monthly rate, giving drivers $744 in yearly savings. Farm Bureau charges $231 per month for full coverage, putting it between Safeway and GEICO.

State Farm’s $80 monthly minimum coverage rate is $12 higher than its clean-record rate of $68 per month, which is a 17% increase. GEICO’s post-accident rate shows a larger jump, rising from $58 to $92 per month for a 59% increase.

GEICO offers low-cost pricing at $73 per month for minimum coverage with a speeding ticket, which is almost the same as State Farm’s $74 monthly rate. This comes to $873 to $888 per year with a speeding violation on your record.

Full coverage shows bigger differences among the cheapest options. Safeway leads at $173 per month, ahead of Farm Bureau at $212 and GEICO at $216. Progressive is the most expensive at $287 per month for full coverage after a speeding ticket.

The $114 gap between Safeway at $173 and Progressive at $287 highlights how differently insurers price speeding violations. Safeway’s more lenient pricing saves drivers $1,368 per year compared to Progressive.

Louisiana allows insurers to use credit scores when setting rates, making credit improvement a direct path to lower premiums over time.

GEICO offers the lowest car insurance for drivers with bad credit and low income in Louisiana at $60 per month for minimum coverage, or $720 per year, for drivers with poor credit. Safeway is next at $82 per month, and Progressive follows at $84 per month. The $24 difference between GEICO and Progressive adds up to $288 in yearly savings.

For full coverage with bad credit, the top two affordable options are almost identical. GEICO averages $139 per month, while Safeway averages $140, which is only a $1 difference. That equals $12 per year, which is a small gap for most budgets.

You can save more in Louisiana by comparing insurers and using available discounts. GEICO’s minimum coverage starts at $697 per year, and its full coverage averages $1,988 per year.

Our insurance experts break down the questions many Louisiana drivers have when trying to find affordable car insurance.

Our Research Approach

Louisiana’s car insurance market is complex. Prices vary widely between busy areas like New Orleans and quieter rural parishes. High numbers of uninsured drivers, frequent severe weather and costly legal claims all contribute to the state’s higher-than-average premiums. Our research highlights which insurers offer the most affordable options across Louisiana’s different regions.

We used data from the Louisiana Department of Insurance and Quadrant Information Services, reviewing quotes from 12 major insurers and analyzing more than 200 million rate comparisons for every residential ZIP code in the state.

Sample Driver Profile

Our baseline rates use a 40-year-old driver with good credit and a clean record. This profile reflects many Louisiana drivers who do not have violations or poor credit that increase premiums. The rates shown are starting points and your own quote will change based on your driving history, credit and location.

Coverage Levels We Compared

We looked at two coverage options:

Minimum coverage: Louisiana’s required liability limits of $15,000 per person for bodily injury, $30,000 per accident for bodily injury and $25,000 per accident for property damage (15/30/25). This meets legal requirements but may not be enough for serious accidents.

Full coverage: Liability limits of $100,000/$300,000/$100,000 plus comprehensive and collision coverage with a $1,000 deductible. This covers damage you cause to others and repairs to your own vehicle.

Location Affects Your Rate

Louisiana rates differ a lot by city. Someone living just one town away may pay up to 50% less for the same coverage. Coastal parishes near hurricane zones often have higher comprehensive premiums. Our ZIP code analysis highlights the areas where drivers pay more because of their location.

See our detailed methodology here for more information.