Compare Rates and Save on Auto Insurance

widget-location-pin

The cheapest auto insurance provider in Louisiana for most drivers is Louisiana Farm Bureau. GEICO is also great option, depending on the driver's profile.

MoneyGeek also determined the best car insurance in Louisiana for affordability and service quality.

MoneyGeek Logo IconCheapestCar InsuranceLouisiana
2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Louisiana (October 2023)

Our analysis of the cheapest car insurance policies that only meet the minimum state requirements indicates that the cheapest insurers in Louisiana are:

  • Louisiana Farm Bureau: $478 per year
  • GEICO: $586 per year

Allstate, which has an average annual cost of $1,348, is the priciest option for the minimum liability policy. Policies with the minimum state-required limits cover costs associated with third-party bodily injury and property damage.

Company
Annual Premium
Monthly Premium

Louisiana Farm Bureau

$478

$40

GEICO

$586

$49

Progressive

$600

$50

GEICO

$601

$50

Louisiana Farm Bureau

$626

$52

GEICO

$648

$54

Progressive

$717

$60

State Farm

$745

$62

Progressive

$758

$63

Louisiana Farm Bureau

$776

$65

State Farm

$814

$68

AAA

$842

$70

State Farm

$914

$76

AAA

$934

$78

Louisiana Farm Bureau

$1,015

$85

AAA

$1,041

$87

Louisiana Farm Bureau

$1,253

$104

Allstate

$1,348

$112

Allstate

$1,443

$120

Allstate

$1,532

$128

Louisiana Farm Bureau

$1,554

$130

GEICO

$1,697

$141

GEICO

$1,732

$144

GEICO

$1,774

$148

Progressive

$1,834

$153

State Farm

$1,928

$161

State Farm

$1,997

$166

Progressive

$2,126

$177

AAA

$2,316

$193

Progressive

$2,400

$200

State Farm

$2,459

$205

AAA

$2,577

$215

AAA

$2,880

$240

Allstate

$4,005

$334

Allstate

$4,082

$340

Allstate

$4,468

$372

The state minimum policy is the cheapest way to access car insurance in Louisiana, but it only covers injuries and property damage to third parties. If you wish to get coverage for your own car during an accident, comprehensive and collision (commonly known as full coverage) insurance may be more suitable.

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

widget-location-pin
Loading...

Cheapest Full Coverage Car Insurance in Louisiana (October 2023)

In Louisiana, the cheapest providers of full coverage car insurance on average are:

  • Louisiana Farm Bureau: $1,015 per year
  • GEICO: $1,697 per year

If you are considering getting a policy from Allstate, know that it’s the most expensive, at an average of $4,005 per year.

Full coverage car insurance offers more protection in an accident than minimum coverage. Aside from standard liability insurance, you will get coverage for your vehicle and medical expenses, along with damage from theft, vandalism and other off-road accidents.

A full coverage policy offers higher limits but costs significantly more. For instance, a minimum state policy from Louisiana Farm Bureau will be $537 cheaper on average than comprehensive and collision coverage from the same provider.

Company
Annual Premium
Monthly Premium

Louisiana Farm Bureau

$478

$40

GEICO

$586

$49

Progressive

$600

$50

GEICO

$601

$50

Louisiana Farm Bureau

$626

$52

GEICO

$648

$54

Progressive

$717

$60

State Farm

$745

$62

Progressive

$758

$63

Louisiana Farm Bureau

$776

$65

State Farm

$814

$68

AAA

$842

$70

State Farm

$914

$76

AAA

$934

$78

Louisiana Farm Bureau

$1,015

$85

AAA

$1,041

$87

Louisiana Farm Bureau

$1,253

$104

Allstate

$1,348

$112

Allstate

$1,443

$120

Allstate

$1,532

$128

Louisiana Farm Bureau

$1,554

$130

GEICO

$1,697

$141

GEICO

$1,732

$144

GEICO

$1,774

$148

Progressive

$1,834

$153

State Farm

$1,928

$161

State Farm

$1,997

$166

Progressive

$2,126

$177

AAA

$2,316

$193

Progressive

$2,400

$200

State Farm

$2,459

$205

AAA

$2,577

$215

AAA

$2,880

$240

Allstate

$4,005

$334

Allstate

$4,082

$340

Allstate

$4,468

$372

MoneyGeek’s sample full coverage car insurance policy used in this study comprises liability protection with the following limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability per accident

How much you pay for auto insurance will depend on how much car insurance you need. A policy with a lower limit, such as a minimum liability policy, will cost you less but provide limited protection. You may also save on costs by choosing an option with a higher deductible.

How to Compare Cheap Louisiana Car Insurance Quotes Online

You can obtain a car insurance quote from most lenders online, and the process will typically take you a maximum of 15 minutes. Comparing quotes manually from multiple insurers can take a while, as you will need to provide personal details for each request.

Using MoneyGeek’s auto insurance calculator, you can quickly compare rates from various insurers across parameters that suit your profile. Such parameters include age, gender, driving history and the coverage amount.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Louisiana
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

USAA

Cheapest Car Insurance in Louisiana by Age (October 2023)

Age is one of the biggest factors affecting car insurance rates in Louisiana. MoneyGeek found that State Farm and Louisiana Farm Bureau offer the cheapest options, depending on what age group you and your family belong to.

mglogo icon
CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: State Farm
Cheapest for young adults: Louisiana Farm Bureau
Cheapest for seniors: Louisiana Farm Bureau

Cheapest Car Insurance in Louisiana for Teens and Their Families (October 2023)

MoneyGeek discovered that the cheapest car insurance companies in Louisiana for teens and their families are:

  • State Farm: $4,750 per year for male teens and $3,847 per year for female teens
  • GEICO: $5,417 per year for male teens and $5,032 per year for female teens

Allstate has the highest premium for teens and their families, costing $8,557 per year for families with male teens and $7,508 for those with female teens.

Due to the diminishing car insurance rates for teens as they age, there is a significant premium difference for 16- and 19-year-old drivers, with the latter paying the lowest. For 19-year-old male drivers in Louisiana, the car insurer offering the most affordable rate is State Farm ($3,656 per year).

Parents can save money on premiums by adding teens to their policies instead of purchasing separate individual policies. For example, an individual policy for a 16-year-old costs roughly $10,892 per year, whereas adding the same driver to the family’s policy costs an average of $6,125, showing a huge difference of around $4,767 per year.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

State Farm

$3,847

$4,937

State Farm

$4,750

$6,119

GEICO

$5,032

$11,249

GEICO

$5,417

$10,842

Progressive

$5,440

$15,020

Progressive

$5,775

$16,144

Allstate

$7,508

$9,138

Allstate

$8,557

$10,463

mglogo icon
MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families with teen drivers can also reduce their premiums by leveraging discounts for young drivers. The cheapest insurers in Louisiana offer good student discounts, and most also provide distant student discounts. In addition, Allstate and State Farm have lower rates for young drivers who complete a driver education course.

Cheapest Car Insurance in Louisiana for Young Adults (October 2023)

Drivers in their 20s can find the cheapest auto insurance in Louisiana from the following carriers:

  • Louisiana Farm Bureau: $1,554 per year
  • GEICO: $1,732 per year

Allstate is the most costly insurance provider for young adults in Louisiana, with an average annual cost of $4,468. On average, drivers in their 20s pay $539 more for a Louisiana Farm Bureau auto insurance policy than middle-aged drivers pay for the same policy.

Company
Annual Premium
Monthly Premium

Louisiana Farm Bureau

$478

$40

GEICO

$586

$49

Progressive

$600

$50

GEICO

$601

$50

Louisiana Farm Bureau

$626

$52

GEICO

$648

$54

Progressive

$717

$60

State Farm

$745

$62

Progressive

$758

$63

Louisiana Farm Bureau

$776

$65

State Farm

$814

$68

AAA

$842

$70

State Farm

$914

$76

AAA

$934

$78

Louisiana Farm Bureau

$1,015

$85

AAA

$1,041

$87

Louisiana Farm Bureau

$1,253

$104

Allstate

$1,348

$112

Allstate

$1,443

$120

Allstate

$1,532

$128

Louisiana Farm Bureau

$1,554

$130

GEICO

$1,697

$141

GEICO

$1,732

$144

GEICO

$1,774

$148

Progressive

$1,834

$153

State Farm

$1,928

$161

State Farm

$1,997

$166

Progressive

$2,126

$177

AAA

$2,316

$193

Progressive

$2,400

$200

State Farm

$2,459

$205

AAA

$2,577

$215

AAA

$2,880

$240

Allstate

$4,005

$334

Allstate

$4,082

$340

Allstate

$4,468

$372

Cheapest Car Insurance in Louisiana for Seniors (October 2023)

For seniors, you may consider the following companies for the cheapest full coverage car insurance in Louisiana:

  • Louisiana Farm Bureau: $1,253 per year
  • GEICO: $1,774 per year

The insurer with the highest full coverage policy cost is Allstate. Louisiana seniors will pay about $4,082 per year for a policy from this insurer.

Policy costs for senior drivers vary slightly from middle-aged drivers. In Louisiana, those in their 60s pay approximately $238 more per year than a 40-year-old for a full coverage policy from Louisiana Farm Bureau. Rates increase with age, and you are likely to pay higher premiums once you reach your 70s and 80s.

Company
Annual Premium
Monthly Premium

Louisiana Farm Bureau

$478

$40

GEICO

$586

$49

Progressive

$600

$50

GEICO

$601

$50

Louisiana Farm Bureau

$626

$52

GEICO

$648

$54

Progressive

$717

$60

State Farm

$745

$62

Progressive

$758

$63

Louisiana Farm Bureau

$776

$65

State Farm

$814

$68

AAA

$842

$70

State Farm

$914

$76

AAA

$934

$78

Louisiana Farm Bureau

$1,015

$85

AAA

$1,041

$87

Louisiana Farm Bureau

$1,253

$104

Allstate

$1,348

$112

Allstate

$1,443

$120

Allstate

$1,532

$128

Louisiana Farm Bureau

$1,554

$130

GEICO

$1,697

$141

GEICO

$1,732

$144

GEICO

$1,774

$148

Progressive

$1,834

$153

State Farm

$1,928

$161

State Farm

$1,997

$166

Progressive

$2,126

$177

AAA

$2,316

$193

Progressive

$2,400

$200

State Farm

$2,459

$205

AAA

$2,577

$215

AAA

$2,880

$240

Allstate

$4,005

$334

Allstate

$4,082

$340

Allstate

$4,468

$372

Some insurers in Louisiana offer discounts that can help senior drivers save on auto insurance. Specifically, GEICO and Allstate offer a senior driver discount, whereas State Farm and Progressive offer safe driving discounts. You may also secure the best rates by comparing quotes from multiple insurers.

Cheapest Car Insurance for Higher Risk Drivers (October 2023)

Traffic violations like DUIs, at-fault accidents and speeding tickets may significantly increase your car insurance rates. You may consider taking a safe driver course or fixing errors on your record to keep your rates at a minimum.

Louisiana Farm Bureau has the cheapest coverage for drivers with speeding tickets and at-fault accidents. You will get the lowest rates from Louisiana Farm Bureau if you have a DUI.

CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Louisiana Farm Bureau ($1,171 per year)
Cheapest after an accident: Louisiana Farm Bureau ($1,312 per year)
Cheapest after a DUI: Louisiana Farm Bureau ($1,404 per year)
Cheapest for poor credit: Louisiana Farm Bureau ($1,820 per year)
Cheapest for sports cars: GEICO ($2,026 per year)

Cheapest Car Insurance in Louisiana After a Ticket

The most affordable providers of full coverage auto insurance in Louisiana if you have a speeding ticket are:

  • Louisiana Farm Bureau: $1,171 per year
  • State Farm: $2,218 per year

Allstate provides the highest rates for drivers with speeding tickets at an average cost of $4,599 per year. Typically, rates spike after a speeding ticket, costing an average of $2,575 per year for a full coverage policy, $540 more than what drivers with a clean record pay for the same coverage.

Company
Annual Premium
Monthly Premium

Louisiana Farm Bureau

$558

$47

GEICO

$735

$61

Louisiana Farm Bureau

$736

$61

GEICO

$775

$65

Progressive

$775

$65

State Farm

$871

$73

Louisiana Farm Bureau

$913

$76

GEICO

$924

$77

Progressive

$934

$78

State Farm

$943

$79

Progressive

$1,019

$85

State Farm

$1,061

$88

Louisiana Farm Bureau

$1,171

$98

AAA

$1,258

$105

AAA

$1,426

$119

Louisiana Farm Bureau

$1,460

$122

AAA

$1,592

$133

Allstate

$1,597

$133

Allstate

$1,621

$135

Louisiana Farm Bureau

$1,813

$151

Allstate

$1,862

$155

GEICO

$2,164

$180

State Farm

$2,218

$185

State Farm

$2,274

$190

GEICO

$2,315

$193

Progressive

$2,412

$201

GEICO

$2,623

$219

State Farm

$2,789

$232

Progressive

$2,963

$247

Progressive

$2,996

$250

AAA

$3,318

$277

AAA

$3,760

$313

AAA

$4,202

$350

Allstate

$4,599

$383

Allstate

$4,822

$402

Allstate

$4,972

$414

Cheapest Car Insurance in Louisiana After an Accident

MoneyGeek discovered that the lowest car insurance rates in Louisiana for drivers with at-fault accidents are from:

  • Louisiana Farm Bureau: $1,312 per year
  • State Farm: $2,405 per year

The most expensive insurer to consider for a policy if you have an at-fault accident is Allstate, costing about $5,028 per year. According to our findings, you pay an average of $1,003 more annually for a full coverage policy if you have an at-fault accident.

Company
Annual Premium
Monthly Premium

Louisiana Farm Bureau

$623

$52

Louisiana Farm Bureau

$821

$68

State Farm

$958

$80

GEICO

$968

$81

GEICO

$1,006

$84

Louisiana Farm Bureau

$1,018

$85

State Farm

$1,038

$86

Progressive

$1,115

$93

State Farm

$1,167

$97

GEICO

$1,242

$104

Progressive

$1,263

$105

Louisiana Farm Bureau

$1,312

$109

AAA

$1,431

$119

Progressive

$1,447

$121

AAA

$1,621

$135

Louisiana Farm Bureau

$1,636

$136

Allstate

$1,777

$148

Allstate

$1,806

$151

AAA

$1,812

$151

Louisiana Farm Bureau

$2,034

$169

Allstate

$2,243

$187

State Farm

$2,405

$200

State Farm

$2,476

$206

GEICO

$2,796

$233

GEICO

$2,965

$247

State Farm

$3,029

$252

Progressive

$3,371

$281

GEICO

$3,479

$290

AAA

$3,733

$311

Progressive

$3,920

$327

Progressive

$4,153

$346

AAA

$4,230

$353

AAA

$4,727

$394

Allstate

$5,028

$419

Allstate

$5,446

$454

Allstate

$5,840

$487

Cheapest Car Insurance in Louisiana After a DUI

The cheapest full coverage car insurance companies in Louisiana if you have a DUI are:

  • Louisiana Farm Bureau: $1,404 per year
  • State Farm: $2,218 per year

Allstate is the most expensive insurer in the state for those with DUIs, with an average annual rate of $5,120. You will pay an average of $1,022 more than a driver with a clean record if you get a DUI.

Company
Annual Premium
Monthly Premium

Louisiana Farm Bureau

$678

$56

State Farm

$871

$73

Louisiana Farm Bureau

$894

$74

Progressive

$910

$76

State Farm

$943

$79

State Farm

$1,061

$88

Progressive

$1,061

$88

Louisiana Farm Bureau

$1,109

$92

Progressive

$1,191

$99

GEICO

$1,198

$100

AAA

$1,297

$108

Louisiana Farm Bureau

$1,404

$117

GEICO

$1,405

$117

AAA

$1,469

$122

AAA

$1,641

$137

Louisiana Farm Bureau

$1,756

$146

GEICO

$1,767

$147

Allstate

$1,836

$153

Allstate

$1,868

$156

Allstate

$1,981

$165

Louisiana Farm Bureau

$2,185

$182

State Farm

$2,218

$185

State Farm

$2,274

$190

State Farm

$2,789

$232

Progressive

$2,794

$233

Progressive

$3,322

$277

AAA

$3,410

$284

GEICO

$3,434

$286

Progressive

$3,452

$288

AAA

$3,865

$322

GEICO

$3,982

$332

AAA

$4,319

$360

GEICO

$4,787

$399

Allstate

$5,105

$425

Allstate

$5,120

$427

Allstate

$5,540

$462

Cheapest Car Insurance in Louisiana for Drivers With Poor Credit (October 2023)

The most affordable auto insurance providers in Louisiana for full coverage with a poor credit score are:

  • Louisiana Farm Bureau: $1,820 per year
  • GEICO: $2,565 per year

AAA has the highest coverage cost. Drivers with bad credit pay an average of $5,925 per year with this insurer. A good credit score, ideally above 750, can get you the lowest rates because insurers consider you a low-risk driver. A credit score below 580 can increase your full coverage car insurance rates by $1,777, on average, per year.

Company
Annual Premium
Monthly Premium

Louisiana Farm Bureau

$2,579

$215

GEICO

$2,619

$218

Progressive

$4,483

$374

Allstate

$5,505

$459

State Farm

$5,723

$477

AAA

$7,511

$626

GEICO

$875

$73

Louisiana Farm Bureau

$1,288

$107

Progressive

$1,346

$112

Allstate

$1,718

$143

State Farm

$2,336

$195

AAA

$2,716

$226

Louisiana Farm Bureau

$1,820

$152

GEICO

$2,565

$214

Progressive

$3,485

$290

State Farm

$4,579

$382

Allstate

$5,084

$424

AAA

$5,925

$494

GEICO

$852

$71

Louisiana Farm Bureau

$858

$71

Progressive

$1,074

$89

Allstate

$1,693

$141

State Farm

$1,917

$160

AAA

$2,148

$179

Louisiana Farm Bureau

$2,265

$189

GEICO

$2,684

$224

Progressive

$3,956

$330

State Farm

$4,705

$392

Allstate

$4,996

$416

AAA

$6,726

$561

GEICO

$948

$79

Louisiana Farm Bureau

$1,131

$94

Progressive

$1,274

$106

Allstate

$1,828

$152

State Farm

$2,078

$173

AAA

$2,435

$203

Most states, including Louisiana, allow insurance providers to determine auto insurance costs based on your credit score.

Insurers have determined that having a low credit score increases your probability of filing a claim. Therefore, they will charge higher premiums if you have poor credit.

You can reduce your premiums over time by improving your score. In the meantime, you can secure the cheapest car insurance policy by comparing quotes from different lenders and leveraging discounts that match your profile.

Cheapest Car Insurance in Louisiana for Sports Cars (October 2023)

The top two companies offering the cheapest full coverage auto insurance in Louisiana for sports cars are:

  • GEICO: $2,026 per year
  • Progressive: $2,241 per year

With an average annual cost of $4,598, Allstate is the priciest.

Insurance rates for sports cars are typically higher than other cars due to the high cost of replacing a stolen or totaled vehicle. Louisiana’s full coverage car insurance costs an average of $672 more annually if you have a sports car.

Company
Annual Premium
Monthly Premium

Louisiana Farm Bureau

$478

$40

GEICO

$586

$49

Progressive

$600

$50

GEICO

$601

$50

Louisiana Farm Bureau

$626

$52

GEICO

$648

$54

Progressive

$717

$60

State Farm

$745

$62

Progressive

$758

$63

Louisiana Farm Bureau

$776

$65

State Farm

$814

$68

AAA

$842

$70

State Farm

$914

$76

AAA

$934

$78

AAA

$1,041

$87

Allstate

$1,348

$112

Allstate

$1,443

$120

Allstate

$1,532

$128

GEICO

$2,000

$167

GEICO

$2,026

$169

GEICO

$2,081

$173

Progressive

$2,241

$187

State Farm

$2,354

$196

Progressive

$2,362

$197

State Farm

$2,401

$200

State Farm

$2,986

$249

Progressive

$3,018

$252

Allstate

$4,497

$375

Allstate

$4,598

$383

Allstate

$5,017

$418

MoneyGeek used a Ford Mustang to source sample quotes for sports cars from insurers in Louisiana. Depending on your car model, you will likely pay more or less than the cost estimates in this study. Electric, sports and luxury cars are usually more costly to insure than other models, although this is not true in all states. Several other factors also impact your rates.

Cheapest Car Insurance in Louisiana for Military Drivers (October 2023)

For active duty and retired military veterans, MoneyGeek found that the cheapest auto insurance carrier in Louisiana is Louisiana Farm Bureau. The insurer’s full coverage policies cost an average of $1,015 per year.

USAA is also available for military members at $1,354 per year. USAA is a company that specializes in providing services for veterans and active-duty military personnel and their families. It’s accessible in every state and provides quality customer service without sacrificing cost.

mglogo
MoneyGeek Top Pick
Louisiana Farm Bureau
  • $1,015 per year
  • Ranks first out of seven insurance companies for affordability for military customers

Louisiana Farm Bureau is the cheapest insurer in Louisiana for drivers who are military members. It offers roadside assistance and rental car and/or travel reimbursment.

Cheapest Car Insurance in Louisiana by City

Your auto insurance premium tends to vary depending on where you live. Drivers residing in areas with high theft, vandalism or accident rates are more likely to submit claims. Therefore, they usually pay higher premiums.

The city of Shreveport has the cheapest full coverage car insurance in Louisiana. The policy is from Louisiana Farm Bureau and costs approximately $1,438 annually.

New Orleans has the priciest policy, also from Louisiana Farm Bureau, costing $2,271 on average per year.

The following table compares rates across the cheapest insurers in Louisiana cities.

City
Cheapest Company
Annual Premium

Baton Rouge

Louisiana Farm Bureau

$2,170

Lafayette

Louisiana Farm Bureau

$1,750

Metairie

Louisiana Farm Bureau

$1,741

New Orleans

Louisiana Farm Bureau

$2,271

Shreveport

Louisiana Farm Bureau

$1,438

Car Insurance in Louisiana: What You Need to Know

The state minimum car insurance policies in Louisiana comprise bodily injury liability and property damage liability. Insurers also offer medical payments coverage, uninsured/underinsured motorist coverage and personal injury protection, but these are not compulsory.

Louisiana Car Insurance Requirements

Louisiana’s car insurance policies must meet the minimum required limits by the state and include bodily injury liability and property damage liability protection. Purchasing the state minimum insurance policy is the most affordable option, but you will receive the least protection.

High-risk traffic violations, such as speeding tickets or DUIs, require you to get SR-22 insurance, which will be submitted to the state by your insurance provider. SR-22 insurance is more costly than standard insurance.

  • male icon

    Bodily Injury Liability

    According to Louisiana law, your policy should have at least $15,000 liability coverage per person and $30,000 per accident. Bodily injury liability covers the costs associated with injuring a third-party individual if you are at fault in an accident. This coverage does not protect you, so if you get injured in an accident, you will pay for your medical expenses out of pocket. You may consider getting higher bodily injury limits for added protection. Otherwise, your policy may not cover all the costs if a serious injury occurs in an accident.

  • accident2 icon

    Property Damage Liability

    This covers the cost of third-party property damage, and the required limit in Louisiana is $25,000 per accident. The expenses covered under property damage liability include repairs and replacement costs. Property damage liability does not cover these costs for your own vehicle. Although Louisiana only requires $25,000 coverage, you can increase your limits to avoid paying out of pocket if you cause more damage in an accident.

To ensure your policy meets your insurance needs adequately, we suggest at least $100,000 in bodily injury liability per person and $300,000 per accident, with $100,000 in property damage liability per accident.

If you finance your car, your lender may require comprehensive and collision insurance. You should also get full coverage if you have a valuable car, as this can save you a lot of repair and replacement costs in the event of an accident.

Comprehensive coverage usually covers the cost of damage from non-road accidents like vandalism and theft. Collision coverage pays for damage from hitting an object, such as another car or a building.

Car Insurance Alternatives in Louisiana

You need to carry a 15/30/25 minimum liability insurance policy in Louisiana. If you have the finances to compensate other drivers without relying on insurance, you can apply for a self-insurance certificate from the Office of Motor Vehicles.

The certificate serves in place of a standard policy, acting as proof of insurance. It is usually valid for a year, and you must reapply annually. If you purchase a new car, you can add it to your self-insurance certificate by providing proof of ownership.

FAQs About Car Insurance in Louisiana

Car insurance policy rates often vary significantly due to multiple factors. MoneyGeek answered the frequently asked questions about cheap auto insurance in Louisiana to ensure you choose the best coverage for your profile.

Expert Advice on Finding Cheap Car Insurance in Louisiana

To help you find credible and accurate insight on car insurance in Louisiana, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What steps can drivers in Louisiana take to find affordable car insurance?
Mark Ratchford
Mark Ratchford

Professor of Practice - Freeman School of Business at Tulane University

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.