Car Insurance in Louisiana: How to Find the Policy That Fits You

MoneyGeek has provided analysis and solutions for all of your car insurance needs, helping you find the best fit.

Find the Best or Cheapest Car Insurance in Louisiana

MoneyGeek collected and evaluated quotes from various companies to determine the cheapest car insurance providers in Louisiana. We also used our unique rating system to identify the top companies providing affordability and quality.

If you’re looking for a breakdown of overall costs, MoneyGeek evaluated how much you can expect to pay based on various factors, such as age, driving record and more.

Our resources above explore the best and cheapest car insurance for certain types of drivers. The table below gives an overview of what you can expect. Unless otherwise specified, all recommendations are for full coverage insurance.

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THE CHEAPEST CAR INSURANCE COMPANIES IN LOUISIANA
  • Minimum liability: Southern Farm Bureau
  • Full coverage: Southern Farm Bureau
  • Drivers with a DUI: Southern Farm Bureau
  • After an accident: Southern Farm Bureau
  • Drivers with a ticket: Southern Farm Bureau
  • Drivers with bad credit: Southern Farm Bureau
  • Senior drivers: Southern Farm Bureau
  • Student drivers: State Farm
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THE BEST CAR INSURANCE COMPANIES IN LOUISIANA
  • Overall: State Farm
  • Customer Service: State Farm
  • On a Budget: State Farm
  • Poor Driving Record: State Farm
  • Military: USAA
  • Young Drivers: State Farm
  • New Cars: Allstate
  • Low-Mileage Drivers: Nationwide

Get a Louisiana Car Insurance Quote

MoneyGeek found that car insurance premiums in Louisiana might vary by as much as $2,897 per year for the same driver profile across different companies. Obtaining estimates can be worth the time. To save money on insurance, compare quotes from at least three insurance companies.

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Car Insurance Laws in Louisiana

MoneyGeek has all the resources you need on Louisiana car insurance laws and requirements. The state of Louisiana requires that your car insurance policy include the following liability insurance coverages:

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

In Louisiana, the state minimum coverage can only protect you up to these financial limits. Comprehensive and collision insurance is not required in Louisiana, so it's crucial to figure out how much coverage you need to be protected in any situation, including an at-fault accident.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN LOUISIANA?

Louisiana drivers convicted of a serious traffic offense, such as a DUI, must submit an SR-22 form for proof of insurance. In this guide, MoneyGeek outlines how much an SR-22 in Louisiana would cost and how to file with your provider.

Specialty Car Insurance in Louisiana

In some cases, traditional car insurance is not the best choice for your needs. To help you make an informed decision, MoneyGeek has researched alternative forms of car insurance in the state of Louisiana, including non-owner auto insurance and temporary car insurance. Learn more about these unique types of car insurance below. Unfortunately, insurance specific to low-income drivers is not provided in Louisiana.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

If you frequently borrow or rent cars and need proof of insurance, this is an ideal option for drivers in Louisiana.

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Temporary car insurance

If you only need coverage for a few months, consider Louisiana temporary car insurance by buying a policy and canceling it early or getting rental car insurance. This type of insurance is ideal for those visiting Louisiana.

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Car insurance for low-income drivers

Most states (including Louisiana) do not have government support programs for low-income drivers. That said, MoneyGeek found a way to help you save money on car insurance in Louisiana.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.