Cheapest Car Insurance in Louisiana

Louisiana drivers will find the lowest full coverage rate from GEICO at $1,988 a year, or $166 a month, which is 33% below the state average. Safeway is very close at $2,008 annually, creating tight competition between the two. Both companies offer meaningful savings compared to the state’s generally high insurance costs.

Farmers costs $2,358 per year, while Farm Bureau is at $2,465 and State Farm at $2,483. The $495 difference between GEICO and State Farm equals roughly two months of free coverage with GEICO.

GEICO offers the lowest minimum coverage rate in Louisiana at $697 a year, which comes out to $58 a month and sits 45% below the state average. State Farm follows at $836 annually, while Progressive is at $944 for state-required coverage. Farm Bureau costs $1,015 per year, and AAA is the highest at $1,084.

Choosing GEICO instead of AAA saves $387 a year, which equals about seven months of GEICO’s minimum coverage.

Farm Bureau leads Louisiana’s city-by-city market, offering the lowest minimum coverage rates in 19 of the state’s 20 largest cities. GEICO takes the top spot in Lafayette with a $65 monthly rate, but Farm Bureau remains the most affordable choice across nearly every major city. Its consistent pricing makes Farm Bureau the top option for many Louisiana drivers who need liability-only coverage.

For teen drivers in Louisiana, Southern Farm Bureau offers the lowest full coverage rate at $348 a month for 16-year-olds, which totals $4,176 a year. Costs drop quickly as teens get more experience, going down to $218 at age 17 and $193 at age 18, with premiums continuing to decline into the early 20s. 

By age 25, GEICO becomes the most affordable option at $87 monthly, creating a $3,132 yearly difference compared with the rate for 16-year-olds. Teen drivers pay higher premiums because they are statistically more likely to be involved in accidents, even when they have clean driving records.

Note: Teens under 18 may have additional legal requirements that vary by state and parents or guardians usually need to be involved when minors obtain car insurance.

Southern Farm Bureau offers the lowest rates for senior drivers in Louisiana at $89 a month for ages 70 to 80, showing an uncommon trend where premiums decrease with age. Drivers at age 65 pay $115 monthly, so the drop over 15 years results in a $26 monthly difference and $312 in yearly savings. 

This pattern differs from most states, where rates often increase after age 70 due to slower reaction times and higher accident risks.

Drivers in Louisiana dealing with a DUI will get the lowest minimum coverage rate from State Farm at $74 a month, which is $10 less than Progressive at $84. That gap adds up to $120 in yearly savings for the same state-required coverage. State Farm’s lower pricing makes it a practical choice for drivers with a DUI on their record.

Full coverage rates are also closely matched. State Farm charges $217 monthly, while Safeway is at $219 and Farm Bureau follows at $223, creating only a $72 annual difference among the three.

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 lowest SR-22 minimum coverage rate in Louisiana at $100 a month. This is 54% below the state average and $22 cheaper than GEICO, which charges $122.

For full coverage with an SR-22, Southern Farm Bureau costs $217 monthly, while GEICO is much higher at $337 for the same level of protection. That difference leads to meaningful savings over a year, with Southern Farm Bureau costing $264 less for minimum coverage and $1,440 less for full coverage compared to GEICO.

Louisiana drivers who need non-owner coverage will find the lowest rate from GEICO at $142 a month, with State Farm close behind at $145. This type of policy suits people who need proof of insurance without owning a car, such as those reinstating a license after a suspension, meeting SR-22 requirements, or renting vehicles often.

Non-owner coverage includes liability protection only. It pays for damage you cause to others but does not cover the vehicle you’re driving, which is why these policies cost less than standard auto insurance.

State Farm offers Louisiana’s lowest minimum coverage rate after an at-fault accident at $80 a month, which is 34% below the state average for drivers with an accident on their record. For full coverage, Safeway comes in at $206 monthly, coming in $62 lower than GEICO at $268 and saving drivers $744 a year.

Rates usually increase by 20% to 40% after an at-fault crash and can stay higher for three to five years while the incident remains on your record.

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.

In Louisiana, GEICO offers the lowest minimum coverage rate for drivers with a speeding ticket at $73 a month, coming very close to State Farm at $74. That puts annual costs between $873 and $888 for drivers with a violation on their record.

For full coverage, the price differences are wider. Safeway leads at $173 a month, while Farm Bureau follows at $212 and GEICO at $216. Progressive has the highest rate at $287 monthly for full coverage after a speeding ticket.

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

Drivers in Louisiana with bad credit will find the lowest minimum coverage rate from GEICO at $720 a year, or $60 a month. Safeway comes next at $82 monthly, followed by Progressive at $84. The $24 monthly gap between GEICO and Progressive adds up to $288 a year, which helps when budgets are tight.

For full coverage, the pricing is very close. GEICO averages $139 a month and Safeway is right behind it at $140, only a $1 monthly difference that totals $12 a year.

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.