Cheapest Car Insurance in Louisiana for 2026

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Updated: May 26, 2026

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Cheapest in Louisiana by coverage type

Cheapest by city

Cheapest by driver age

Cheapest by driving record and credit score

Cheapest Minimum and Full Coverage Car Insurance in Louisiana

GEICO offers the cheapest minimum coverage in Louisiana at $55/month and the cheapest full coverage at $158/month. Switching from Allstate to GEICO cuts full coverage costs by $399/month ($4,788/year), the largest provider-to-provider gap in this series. 

GEICO also undercuts the next-cheapest full coverage option, Safeway at $169/month, by $11. Louisiana's rate gap is among the widest of any state, so the best car insurance in Louisiana varies sharply by driver profile and ZIP code.

GEICO
$55
$158
State Farm
$70
$207
Progressive
$74
$215
Farm Bureau
$84
$204
AAA
$90
$263
Safeway Insurance
$N/A
$169

Cheapest Car Insurance by City in Louisiana

Farm Bureau has the cheapest full coverage across all 10 Louisiana cities, but rates vary by $113/month depending on location. Bossier City comes in at $82/month while New Orleans reaches $195/month, a difference of $113/month ($1,356/year) for the same provider and coverage level. 

New Orleans carries some of the highest uninsured driver rates in the country, extreme traffic density, high litigation rates driven by Louisiana's direct-action lawsuit environment, and hurricane flood damage risk. Bossier City has far lower density and claims activity.

Even Baton Rouge at $167/month and Lafayette at $171/month are roughly double Bossier City's rate, despite being in the same state with the same insurer. Louisiana's within-state city variance is among the largest in this series. Rates shift enough by location that it's worth taking the time to compare car insurance providers across all Louisiana cities before committing to a policy.

City
Cheapest Provider
Monthly Full Coverage Rate

New Orleans

Farm Bureau

$195

Baton Rouge

Farm Bureau

$167

Shreveport

Farm Bureau

$116

Lafayette

Farm Bureau

$171

Lake Charles

Farm Bureau

$148

Cheapest Car Insurance by Age in Louisiana

Farm Bureau is cheapest for teen drivers on family policies at age 16, $614/month for girls and $642 for boys, the highest age-16 family policy rates in this series. Safeway takes over from age 19 through 24 for both genders. For seniors, GEICO is cheapest at $153/month, $5 below its standard adult rate, an unusual outcome in a high-cost state.

Young Adult Drivers (Standalone)
Safeway Insurance
$320
Teen Drivers (16, Female, Family Policy)
Farm Bureau
$614
Teen Drivers (16, Male, Family Policy)
Farm Bureau
$642
Seniors (65+)
GEICO
$153

Cheapest With Violations or Poor Credit in Louisiana

Safeway offers the cheapest rates for speeding ($173/month), at-fault accidents ($206), texting while driving ($173) and bad credit ($140). State Farm is cheapest for DUI at $217/month; GEICO rises to $335 for DUI, a $118 increase over State Farm.

Rates alone don’t tell the full picture, so reviewing the best car insurance providers in Louisiana can help you find the right fit beyond price. Most violations affect rates for three years. An SR-22 filing is required after certain violations.

Profile
Cheapest Provider
Monthly Rate

Speeding ticket

Safeway Insurance

$173

At-fault accident

Safeway Insurance

$206

DUI

State Farm

$217

Texting while driving

Safeway Insurance

$173

Poor credit

Safeway Insurance

$140

How to Get the Cheapest Car Insurance in Louisiana

Louisiana's extreme rate environment, the second most expensive state at $236/month, means the decisions you make about provider, coverage level, and timing have an outsized financial impact. Choosing GEICO over Allstate saves $4,788/year. The steps below outline the highest-impact actions Louisiana drivers can take to reduce their premiums.

  1. 1
    Compare alternatives before choosing Allstate

    At $557/month for full coverage, Allstate is $399 above GEICO. No driver profile in this analysis makes Allstate competitive in Louisiana.

  2. 2
    Use Safeway for violations and bad credit

    Safeway is a specialty nonstandard insurer with the lowest rates across most violation categories and bad credit scenarios. Its poor-credit rate undercuts GEICO's clean-record rate.

  3. 3
    Look at State Farm for DUI

    GEICO rises to $335 for DUI, while State Farm leads at $217/month. Louisiana drivers with a DUI should prioritize State Farm when comparing quotes.

  4. 4
    Compare rates by city

    A $113/month gap exists between New Orleans and Bossier City for the same insurer and the same coverage. Louisiana drivers who relocate within the state should re-shop immediately, as city of residence affects premiums.

  5. 5
    Match coverage to vehicle value

    Full coverage averages $236/month in Louisiana. Louisiana's low minimum liability limits (15/30 BI) make the case for full coverage stronger than in most states, but you should first decide how much car insurance you need using our Louisiana car insurance calculator.

  6. 6
    Enroll in a telematics program

    GEICO DriveEasy and State Farm Drive Safe & Save reward safe driving behavior with potential premium reductions. Louisiana-specific discount ranges vary by provider; confirm availability when requesting quotes.

  7. 7
    Re-shop when violations age off

    Most Louisiana violations affect rates for three years, with DUI surcharges lasting longer. The high violation surcharges in Louisiana make re-shopping at the three-year mark worthwhile.

  8. 8
    Consider non-owner coverage

    Louisiana drivers who don't own a vehicle may still need liability protection, covered under non-owner car insurance in Louisiana.

Should You Buy the Cheapest Coverage Amount in Louisiana?

Louisiana's minimum coverage is one of the lowest in the country. The $15,000 limit for injuries per person can be used up by a single hospital visit. The $25,000 limit for property damage won't cover most cars on the road today, which cost over $48,000 on average.

In Louisiana, the driver who causes an accident pays for damages out of their own pocket if costs exceed their policy limits. Lawsuits are more common here and settlements run higher than in most states, which makes running out of coverage more likely.

If you own a home, have savings or earn an income, you need more than the state minimum. The calculator will show you a specific recommendation based on what you own, typically somewhere between 50/100/50 and 250/500/250.

Most Louisiana drivers also need full coverage. The state sees over $2 billion in storm damage every year. Car theft is a real risk, especially in New Orleans. Flooding is common along the coast and near major rivers. None of that is covered by the state minimum.

The only drivers who might be fine with minimum coverage are those with an older car worth less than $5,000 and nothing significant to protect financially. For everyone else, full coverage is worth keeping in Louisiana longer than it would be in most other states.

An image showing how Louisiana's state minimum coverage compares to other states and an explanation of what is covered and where you are left unprotected.

MoneyGeek analyzed auto insurance providers across all Louisiana ZIP codes. Rate data was sourced from Quadrant Information Services. All rates are ZIP code averages; individual quotes vary.

Sample driver profile (baseline):

  • 40-year-old male driver
  • Clean driving record
  • Good credit
  • 100/300/100 full coverage with a $1,000 deductible

Additional profiles analyzed:

  • Young drivers: ages 16 to 25 on a family policy, analyzed separately by gender
  • Seniors: age 65 and older
  • Drivers with violations: speeding ticket, at-fault accident, DUI conviction and texting while driving
  • Drivers with poor credit

Coverage levels analyzed:

100/300/100 means:

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

Louisiana minimum coverage (15/30/25) means:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $25,000 property damage liability

Deductibles applied: none (minimum coverage), $1,000 (full coverage baseline)

State-specific notes:

  • Louisiana is an at-fault state with no PIP requirement and no mandatory UM/UIM coverage
  • Louisiana's 15/30 bodily injury limits are among the lowest in the country
  • Gender is a rating factor in Louisiana; young driver rates reflect separate male and female profiles
  • Safeway Insurance is a nonstandard specialty insurer included in the full competitive set
  • Allstate's full coverage rate of $557 a month is the highest in the dataset; minimum coverage data for Allstate was unavailable
  • Safeway minimum coverage data was unavailable; its full coverage rate of $169 a month is sourced from the Quadrant dataset
  • Louisiana allows direct-action lawsuits against insurers and credit-based insurance scoring
  • SR-22 filing required after certain violations including DUI

About Mark Fitzpatrick

Mark Fitzpatrick headshot

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 writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and 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!

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