Cheapest Car Insurance in Louisiana

Louisiana drivers get the cheapest full coverage from GEICO at $1,988 a year, breaking down to $166 monthly and sitting 33% below the state average. Safeway follows remarkably close at $2,008 annually, creating tight competition between these two carriers. Both companies deliver substantial savings compared to Louisiana's elevated insurance costs.

Farmers costs $2,358 yearly, while Farm Bureau charges $2,465 and State Farm costs $2,483 annually. The $495 gap between GEICO and State Farm equals about two months of free coverage.

GEICO offers Louisiana's cheapest minimum coverage car insurance at $697 a year, working out to $58 monthly and sitting 45% below the state average. State Farm follows at $836 annually, while Progressive charges $944 for state-required coverage. Farm Bureau costs $1,015 yearly, and AAA reaches $1,084 at the top end.

Choosing GEICO instead of AAA saves $387 annually, enough to cover seven months of GEICO's minimum coverage.

Farm Bureau dominates Louisiana's city-by-city market, posting the lowest minimum coverage rates in 19 of the state's 20 largest cities. GEICO takes Lafayette with $65 monthly for minimum coverage, but Farm Bureau controls the rest of Louisiana's major markets. This consistent market leadership makes Farm Bureau the go-to carrier for most Louisiana residents seeking liability-only coverage.

Southern Farm Bureau offers Louisiana's cheapest full coverage car insurance for teens at $348 monthly for 16-year-olds, totaling $4,176 annually. Rates drop dramatically as drivers gain experience, falling to $218 at age 17, $193 at 18 and continuing downward through the early 20s. GEICO takes over market leadership at age 25 with $87 monthly rates, creating a $3,132 yearly difference from teen pricing.

Teen drivers face higher premiums because statistics show an increased likelihood of involvement in accidents, even with clean individual records.

Teens under 18 may face additional legal requirements that vary by state, with parents or guardians usually needing involvement when minors obtain car insurance.

Southern Farm Bureau offers Louisiana's lowest senior rates at $89 monthly for drivers ages 70 to 80, creating an unusual pattern where premiums drop with age. Drivers age 65 pay $115 monthly, decreasing by $26 over 15 years and adding up to $312 in yearly savings. This trend runs counter to most states, where rates often rise after 70 because of slower reaction times and higher accident rates.

State Farm offers Louisiana's cheapest car insurance for drivers with a DUI at $74 monthly for minimum coverage, undercutting Progressive's $84 rate by $10. That difference compounds to $120 in yearly savings for identical state-required coverage after DUI convictions. State Farm's modest pricing positions them as the budget-friendly choice for drivers with convictions.

Full coverage brings three carriers into tight competition, with State Farm at $217 monthly, Safeway at $219 and Farm Bureau at $223, creating just a $72 annual spread.

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 Louisiana's cheapest SR-22 insurance at $100 monthly for minimum coverage, sitting 54% below the state average and undercutting GEICO's $122 rate by $22.

Full coverage through Southern Farm Bureau costs $217 monthly with SR-22 filing, while GEICO charges $337 for identical protection. The savings compound over time, with Southern Farm Bureau customers paying $264 less annually for minimum coverage and $1,440 less yearly for full coverage compared to GEICO's rates.

GEICO offers Louisiana's cheapest non-owner car insurance at $142 monthly, trailing State Farm by just $3 at $145. This coverage type works well for drivers needing proof of insurance without vehicle ownership, including those reinstating licenses after suspensions, meeting SR-22 requirements or relying on frequent car rentals.

Non-owner policies provide liability coverage only, covering damage you cause to others while excluding damage to the vehicle you're driving. This limited protection keeps prices lower than standard auto policies.

State Farm offers Louisiana's cheapest post-accident minimum coverage at $80 monthly, sitting 34% below the state average for drivers with accident history.  Safeway provides affordable post-accident full coverage at $206 monthly, running $62 lower than GEICO's $268 rate and delivering $744 in yearly savings.

Premiums often rise 20% to 40% after at-fault crashes, remaining elevated for three to five years while the incident stays on your driving 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.

GEICO offers Louisiana's lowest minimum coverage for drivers with a speeding ticket at $73 monthly, nearly matching State Farm's $74 rate and translating to $873 to $888 annually with a violation on your record.

Full coverage reveals larger pricing differences among carriers, with Safeway leading at $173 per month, followed by Farm Bureau at $212 and GEICO at $216. Progressive tops the market at $287 monthly for full coverage after speeding violations.

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

GEICO offers Louisiana's cheapest minimum coverage car insurance for drivers with bad credit at $720 a year, breaking down to $60 monthly and delivering needed affordability for drivers facing credit challenges. Safeway follows at $82 monthly, while Progressive charges $84. The $24 monthly difference between GEICO and Progressive compounds to $288 in yearly savings when budgets are already strained.

Full coverage with bad credit shows remarkably tight competition between top carriers. GEICO averages $139 monthly while Safeway charges $140, creating just a $1 monthly difference that translates to $12 annually.

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.