GEICO offers Louisiana's most affordable car insurance, with monthly rates of $54 for minimum coverage and $156 for full coverage. Drivers save $71 monthly, or 40%, compared to state averages. Get quotes from Safeway, State Farm, Farm Bureau and Progressive too.
Cheapest Car Insurance in Louisiana
Updated: August 6, 2025
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Key Takeaways
GEICO, Safeway Insurance and State Farm rank as the cheapest car insurance companies for most Louisiana drivers, with average savings of up to 40%.
Car insurance costs can be as low as $28 monthly for minimum coverage and $70 for full coverage policies on average in Louisiana.
To get the cheapest car insurance in Louisiana, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Louisiana?
| Geico | $54 | $156 | -40% |
| Safeway Insurance | $105 | $173 | -21% |
| State Farm | $71 | $211 | -20% |
| Farm Bureau | $87 | $212 | -15% |
| Progressive | $77 | $225 | -14% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN LOUISIANA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Louisiana:
Best Car Insurance Rates by Category in Louisiana
GEICO offers the cheapest rates for six out of our 10 driver categories in Louisiana, while State Farm provides the most affordable rates for two categories. Find your specific rates in the table:
| Young Drivers | Safeway Insurance | $188 |
| Adult Drivers | Geico | $55 |
| Senior Drivers | Geico | $57 |
| Drivers With An Accident | State Farm | $81 |
| Drivers With A DUI | State Farm | $75 |
| Drivers With A Speeding Ticket | Geico | $71 |
| Drivers With Bad Credit | Safeway Insurance | $81 |
| Drivers With Low Income | Geico | $49 |
| Drivers With Newer Cars | Geico | $62 |
| Drivers With Old Cars | Geico | $53 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Louisiana for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Safeway offers the lowest rates at $166 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Safeway Insurance | $166 | $1,992 | -47% |
| Farm Bureau | $242 | $2,902 | -22% |
| Geico | $260 | $3,119 | -16% |
| Allstate | $295 | $3,540 | -5% |
| Farmers | $315 | $3,778 | 1% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Louisiana by City
Where you live in Louisiana affects your insurance costs based on local crime, accidents and traffic density. Farm Bureau charges as little as $28 in Choudrant but $83 in Metairie. Here are the cheapest providers for every Louisiana city.
Data filtered by:Results filtered by:
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City:Abbeville
| Abbeville | Farm Bureau | $38 | -57% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Louisiana By Driver Age Group
We analyzed car insurance rates across Louisiana for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young Drivers: Safeway offers rates starting at $188 per month
- Adult Drivers: Geico provides coverage starting at $55 per month
- Senior Drivers: Geico offers policies beginning at $57 per month
Cheapest Car Insurance For Young Drivers in Louisiana
Young drivers in Louisiana get their best rates from GEICO. Minimum coverage costs $130 per month, saving drivers 46% compared to other providers. Safeway leads for full coverage at $320 monthly, saving young drivers 42%.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $130 | $1,561 | -46% |
| State Farm | $151 | $1,811 | -37% |
| Safeway Insurance | $188 | $2,258 | -21% |
| AAA | $198 | $2,377 | -17% |
| Farm Bureau | $200 | $2,399 | -16% |
Cheapest Car Insurance For Adult Drivers in Louisiana
GEICO offers Louisiana's lowest rates for adult drivers: $55 monthly for minimum coverage and $158 for full coverage.
Data filtered by:Results filtered by:
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coverage_user_friendly:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $55 | $659 | -48% |
| State Farm | $70 | $836 | -34% |
| Progressive | $74 | $893 | -29% |
| Farm Bureau | $84 | $1,011 | -20% |
| AAA | $90 | $1,084 | -14% |
Cheapest Car Insurance For Senior Drivers in Louisiana
GEICO offers Louisiana seniors the most affordable car insurance rates for both coverage types. Full coverage costs $1,839 annually, while minimum coverage runs $682 per year.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $57 | $682 | -47% |
| State Farm | $75 | $898 | -30% |
| Progressive | $78 | $941 | -27% |
| Farm Bureau | $89 | $1,071 | -16% |
| AAA | $98 | $1,181 | -8% |
Cheapest Car Insurance For High-Risk Drivers in Louisiana
We studied four core areas for profiles insurers consider particularly high-risk in Louisiana including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Safeway (From $81/mo)
- Cheapest With a DUI: State Farm (From $75/mo)
- Cheapest With an Accident: State Farm (From $81/mo)
- Cheapest With a Speeding Ticket: GEICO (From $71/mo)
Cheapest Car Insurance For Bad Credit in Louisiana
GEICO offers Louisiana's most affordable car insurance for drivers with poor credit. Annual rates start at $894 for minimum liability coverage and $1,674 for full coverage policies.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Geico | $75 | $894 | -51% |
| Safeway Insurance | $82 | $982 | -46% |
| Progressive | $103 | $1,231 | -32% |
| Farm Bureau | $110 | $1,317 | -27% |
| Farmers | $125 | $1,502 | -17% |
Cheapest Car Insurance With a DUI in Louisiana
State Farm ranks as the most affordable option for Louisiana drivers with DUIs, offering annual rates of $893. Progressive provides the next best value with premiums of $1,005 per year.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| State Farm | $74 | $893 | -52% |
| Progressive | $84 | $1,005 | -46% |
| Farm Bureau | $94 | $1,124 | -39% |
| Geico | $121 | $1,455 | -22% |
| AAA | $122 | $1,462 | -21% |
Cheapest Car Insurance With an Accident in Louisiana
Louisiana drivers with an accident on their record can find the most affordable coverage through State Farm at $80 per month ($958 annually).
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
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Credit Alignment:Good
| State Farm | $80 | $958 | -44% |
| Geico | $92 | $1,110 | -35% |
| Farm Bureau | $97 | $1,163 | -32% |
| Progressive | $121 | $1,457 | -14% |
| Safeway Insurance | $127 | $1,523 | -10% |
Cheapest Car Insurance With an Speeding Ticket
Louisiana drivers with speeding tickets can find the lowest rates through GEICO. The provider offers minimum coverage at $873 per year, while full coverage costs $2,587 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Geico | $73 | $873 | -41% |
| State Farm | $74 | $893 | -40% |
| Farm Bureau | $88 | $1,058 | -29% |
| Progressive | $98 | $1,177 | -21% |
| Safeway Insurance | $109 | $1,313 | -12% |
How to Get the Cheapest Car Insurance in Louisiana
Finding the lowest-priced insurance companies is just one part of getting affordable car insurance in Louisiana. Here are proven ways to save the most on auto insurance.
- 1
Compare multiple providers through various means
Get quotes from multiple companies through different channels: directly from insurers, independent agents and comparison sites. Your rates can vary widely depending on how you get quotes, so try all these options.
- 2
Decide on your coverage needs before buying
Figure out what coverage you need before you shop. This helps you avoid paying for extras you don't need while getting enough financial protection.
- 3
Choose to get a lower coverage amount if appropriate
If you're trying to cut costs, you can lower your coverage levels and raise your deductibles. First check your finances, how much you drive and what your car's worth to make sure this makes sense.
- 4
Research costs and take advantage of discounts
Look up average costs for drivers like you so you know what's normal. Check what discounts you qualify for and see if bundling home and auto insurance saves you money.
- 5
Consider auto insurance alternatives
If you don't drive much, check out pay-per-mile insurance or telematics programs that track your driving. These options can save you money compared to regular policies.
- 6
Improve your risk profile
Improve your credit score and keep a clean driving record. Better credit and safe driving usually mean lower rates over time.
- 7
Get a cheaper car to insure
If you're buying a car, pick one that's cheaper to insure. Older, reliable cars usually cost less for insurance and repairs than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Louisiana
Louisiana's minimum required coverage follows a 15/30/25 liability structure. This means drivers must carry $15,000 for bodily injury liability per person, $30,000 total injury coverage per accident and $25,000 for property damage liability. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Louisiana, average property damage claims hit $4,711 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Louisiana gets hit with severe weather that damages cars regularly. National Centers for Environmental Information data shows significant weather-related auto claims in 2023. Basic coverage won't pay for hurricane or storm damage. Add comprehensive coverage to protect against floods, hurricanes and wind damage.
Bodily injury damage is more likely to exceed minimum limits
Louisiana's $15,000 minimum bodily injury coverage often isn't enough. The Insurance Information Institute reports average bodily injury claims in Louisiana reached $22,340 in 2023, far exceeding the minimum limit. Rising medical costs mean you could face major out-of-pocket expenses. Consider increasing coverage to at least 50/100/50 for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Louisiana has a serious uninsured driver problem, with 11.7% of drivers lacking insurance. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Louisiana, according to National Insurance Crime Bureau statistics. Cities like Shreveport and New Orleans report particularly high rates. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Louisiana: Bottom Line
GEICO offers the lowest car insurance rates in Louisiana for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Louisiana: FAQ
Below, our experts answer common questions about Louisiana car insurance to help you find affordable coverage.
What are the cheapest car insurance companies in Louisiana?
GEICO provides Louisiana's most affordable car insurance, averaging $645 annually for minimum coverage and $1,877 for full coverage. Safeway, State Farm, Farm Bureau and Progressive also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Louisiana?
Safeway Insurance provides the most affordable rates for young drivers in Louisiana, with monthly premiums starting at $188.
Who offers the cheapest car insurance rates for seniors in Louisiana?
Senior drivers in Louisiana can find the lowest rates with GEICO, offering policies for those aged 65 and up at monthly rates starting at $57.
Who has the cheapest car insurance in Louisiana for bad credit?
Safeway provides the lowest rates for bad-credit drivers in Louisiana, with monthly premiums averaging $81 for minimum coverage and $139 for full coverage.
Who has the cheapest car insurance in Louisiana with an accident?
State Farm offers the most affordable car insurance rates for Louisiana drivers with an accident, starting at $81 per month for minimum coverage.
Who has the cheapest car insurance in Louisiana with a DUI?
State Farm provides the cheapest car insurance after a DUI in Louisiana. Monthly rates start at $75 for minimum coverage and $221 for full coverage.
Who has the cheapest car insurance in Louisiana for those with a speeding ticket?
If you have a speeding ticket, GEICO provides the most budget-friendly insurance in Louisiana, charging $71 monthly for minimum coverage and $214 for full coverage.
Should you buy the cheapest car insurance in Louisiana?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Louisiana.
How We Found the Most Affordable Car Insurance in Louisiana
MoneyGeek collected auto insurance data from the Louisiana Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Louisiana.
Louisiana Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Louisiana
We compared car insurance companies in Louisiana that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Louisiana.
The minimum coverage liability limits in Louisiana are:
- $15,000 per person for bodily injury
- $30,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 15, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 15, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 15, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 15, 2025.