GEICO is the cheapest car insurance in Louisiana at $164 a month for full coverage and $56 a month for minimum coverage, the lowest for both. Most clean-record drivers should start with GEICO. The cheapest option changes for some profiles. State Farm is cheapest after an at-fault accident at $237 a month and after a DUI at $225 a month. Safeway is cheapest for teens at 16 and 17 and after a speeding ticket at $223 a month. GEICO is also cheapest for bad credit at $179 a month. Louisiana has some of the highest car insurance rates in the country, so comparing carriers matters more here than in most states.
Cheapest Car Insurance in Louisiana for 2026
Updated: July 13, 2026
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GEICO | $56 | 4.63/5 | |
GEICO | $164 | 4.63/5 | |
Safeway Insurance | $617-$630 | 4.10/5 | |
GEICO | $167 | 4.63/5 | |
Safeway Insurance | $223 | 4.10/5 | |
State Farm | $237 | 4.57/5 | |
State Farm | $225 | 4.57/5 | |
GEICO | $193 | 3.65/5 | |
GEICO | $179 | 4.63/5 | |
Farm Bureau | $31-$80 | 4.54/5 |
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GEICO
Best Cheap Car Insurance for Full Coverage in Louisiana
GEICO is cheapest in Louisiana for both full coverage at $164 a month and minimum coverage at $56 a month. It offers add-ons like roadside assistance and rental car coverage, though it ranks 4th of 5 Louisiana insurers for coverage options and last for customer experience. Its AM Best rating of A++ is the highest available, so it has the financial strength to back claims. Louisiana drivers can lower the $164 rate through GEICO's clean-record discount, up to 22% off, its multi-vehicle discount, up to 25% off, or its DriveEasy app, which saves 5% to 15%.
Cheapest Car Insurance by Coverage Type in Louisiana
GEICO | $56 | $164 | 4.63/5 |
State Farm | $72 | $214 | 4.57/5 |
Safeway Insurance | $133 | $219 | 4.10/5 |
Farmers | $167 | $227 | 4.32/5 |
Progressive | $78 | $227 | 4.78/5 |
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Cheapest Minimum Coverage in Louisiana
GEICO is cheapest for minimum coverage in Louisiana at $56 a month, $16 less than State Farm at $72. Minimum coverage only meets the state's legal requirement, so what separates insurers at this level is how well they handle a claim when another driver hits you. GEICO ranks last of the five for customer experience, while State Farm ranks 3rd, so paying $16 more gets you a better service record.
Cheapest Full Coverage in Louisiana
GEICO is the cheapest full coverage option in Louisiana at $164 a month, $50 less than State Farm at $214. Progressive and Farmers offer the most coverage options, but both cost $227 a month, $63 more than GEICO.
Cheapest Car Insurance for Teens and Young Adults in Louisiana
Safeway is cheapest for 16- and 17-year-old drivers in Louisiana, starting at $630 a month for males and $617 for females at 16. Teens file more claims than any other age group, and Safeway has the lowest customer experience score of the Louisiana insurers, so that low price comes with the weakest service. At 19, GEICO becomes cheapest for both genders and holds through age 25. The drop is sharp. A 19-year-old male pays $350, down from $535 the year before. In Louisiana, female drivers pay more than males at the same age, from $385 versus $350 at 19 to $174 versus $158 at 25. Re-quote GEICO at 19, and use the how to switch car insurance companies guide to switch without a break in coverage.
Safeway Insurance | $617 | Safeway Insurance | $630 | 3.15/5 | |
Safeway Insurance | $532 | Safeway Insurance | $543 | 3.15/5 | |
Safeway Insurance | $532 | State Farm | $535 | 3.15/5, 3.8/5 | |
GEICO | $385 | GEICO | $350 | 3.65/5 | |
GEICO | $350 | GEICO | $318 | 3.65/5 | |
GEICO | $264 | GEICO | $241 | 3.65/5 | |
GEICO | $244 | GEICO | $222 | 3.65/5 | |
GEICO | $224 | GEICO | $204 | 3.65/5 | |
GEICO | $207 | GEICO | $188 | 3.65/5 | |
GEICO | $174 | GEICO | $158 | 3.65/5 |
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Cheapest Car Insurance for Seniors in Louisiana
GEICO is the cheapest option for seniors in Louisiana at $167 a month, $18 less than Farmers at $185, and it outranks Farmers for service too. Since seniors file more claims than younger drivers, customer experience matters most, and GEICO ranks last of the five carriers on it. State Farm ranks higher for customer experience at $212 a month, so paying $45 more than GEICO gets a better service record. GEICO also handles claims by app or phone rather than in person, worth knowing if you'd rather deal with a local agent on a claim.
GEICO | $167 | 3.65/5 |
Farmers | $185 | 3.40/5 |
Safeway Insurance | $194 | 3.15/5 |
State Farm | $212 | 3.80/5 |
Progressive | $225 | 3.90/5 |
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Cheapest Car Insurance by City in Louisiana
Farm Bureau is cheapest for minimum coverage in 18 of Louisiana's 20 largest cities, from $31 a month in Sulphur to $79 in New Orleans. The New Orleans metro is the most expensive part of the state, with New Orleans at $79 and its suburbs close behind, which fits the area's hurricane exposure and dense city driving. The southwest and north are the cheapest, with Sulphur, Bossier City and Houma all under $40. Lafayette and Metairie are the two exceptions to Farm Bureau's lead, where GEICO is cheapest at $65 and $80. Quote GEICO first in those two cities and Farm Bureau everywhere else.
Sulphur | Farm Bureau | $31 |
Bossier City | Farm Bureau | $32 |
Houma | Farm Bureau | $36 |
Lake Charles | Farm Bureau | $37 |
New Iberia | Farm Bureau | $38 |
Slidell | Farm Bureau | $40 |
Monroe | Farm Bureau | $41 |
Hammond | Farm Bureau | $43 |
Shreveport | Farm Bureau | $46 |
Central | Farm Bureau | $49 |
Prairieville | Farm Bureau | $49 |
Laplace | Farm Bureau | $50 |
Kenner | Farm Bureau | $55 |
Marrero | Farm Bureau | $57 |
Harvey | Farm Bureau | $60 |
GEICO | $65 | |
Alexandria | Farm Bureau | $69 |
Baton Rouge | Farm Bureau | $69 |
Farm Bureau | $79 | |
Metairie | GEICO | $80 |
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Cheapest Car Insurance for High Risk Drivers in Louisiana
State Farm is cheapest after both an at-fault accident at $237 a month and a DUI at $225 a month, which is unusual since the at-fault rate costs $12 more than the DUI. Safeway is cheapest after a speeding ticket at $223 a month. GEICO is cheapest after a texting violation at $193 a month and for bad credit at $179 a month.
Louisiana requires an SR-22 after a DUI, kept active for three years from the conviction date, and State Farm files it directly with the state. Once your insurer stops applying the increase, re-quote to bring the rate back down. Drivers who need an SR-22 without a vehicle can get a non-owner car insurance policy in Louisiana.
Speeding Ticket | Safeway Insurance | $223 | 3.15/5 |
At-Fault Accident | State Farm | $237 | 3.80/5 |
DUI | State Farm | $225 | 3.80/5 |
Texting While Driving | GEICO | $193 | 3.65/5 |
Bad Credit | GEICO | $179 | 3.65/5 |
Your Next Step:
Get your real quotes from trusted insurance providers.
How to Get Cheaper Car Insurance in Louisiana
Switching to GEICO from Louisiana's most expensive full coverage insurer saves $63 a month. Dropping from full to minimum coverage at GEICO saves $108 more.
- 1
Compare at least three Louisiana insurers and save $63 per month
GEICO's $164 full coverage rate is $63 less than the most expensive Louisiana carrier at $227. Quote GEICO, State Farm and Progressive before renewing to confirm you're at the lowest rate for your profile.
- 2
Match coverage to your vehicle's value and save $108 per month
Full coverage costs $108 more a month than minimum at GEICO. If your car isn't worth much, minimum coverage is the better deal. Coastal drivers should keep comprehensive for hurricane and flood damage regardless of the car's value. Use the how much car insurance you need guide to find your vehicle's current actual cash value.
- 3
Bundle home and auto insurance in Louisiana and save 26%
Progressive has Louisiana's cheapest home and auto bundle at $4,882 a year. State Farm gives a bigger discount, 26% versus Progressive's 10%, but its total bundle still costs $1,802 more, so the bigger discount doesn't mean the lower bill. Compare the total price, not the discount.
- 4
Re-shop when your violation ages off and recover $73 per month
State Farm's at-fault rate of $237 a month is $73 above GEICO's clean-record rate of $164. Once the increase clears, re-quote to bring the rate back down.
- 5
Improve your credit before renewal and recover $15 per month
GEICO charges $179 a month for bad credit versus $164 for good credit, a $15 difference. Louisiana permits credit-based insurance scoring, so re-quote about 45 days after your credit improves.
- 6
Enroll in a carrier discount program
GEICO DriveEasy and State Farm Drive Safe & Save track your driving through an app and can lower your rate at renewal, though poor driving can raise it. Enroll when your driving reflects your normal habits.
GEICO DriveEasy: tracks driving behavior and can lower your rate at renewal. Poor scores can raise your rate. GEICO doesn't publish a maximum discount.
State Farm Drive Safe & Save: can lower your rate by up to 30%. Confirm with State Farm whether poor scores can raise your rate in Louisiana before enrolling.
Rates come from Quadrant Information Services, collected from state insurance filing records across all residential ZIP codes in Louisiana. Carriers are required to file rates with the state regulator before charging them; these are filed rates, not estimates or online quote approximations. MoneyGeek analyzed rates from carriers covering the Louisiana market.
Baseline driver profile: 40-year-old male, 2012 Toyota Camry LE, clean driving record, good credit, 12,000 miles annually, no prior claims. Full coverage is 100/300/100 liability with a $1,000 deductible. Minimum coverage is Louisiana's mandated 15/30/25 limits.
Profile variations analyzed:
Young drivers: Ages 16–25, standalone policy, split by gender (Louisiana uses gender as a rating factor)
Seniors: 70-year-old driver, same vehicle and coverage as the baseline
Violations: Baseline profile with one driving record variable changed; all other variables held constant. Violations analyzed: speeding (11–15 MPH over limit), at-fault accident ($1,000–$1,999 property damage), DUI (BAC ≥ .08), and texting while driving
Poor credit: Baseline profile with credit tier changed to poor. Louisiana permits credit-based insurance scoring per La. R.S. 22:1501
Coverage tiers: Full coverage = 100/300/100 liability with $1,000 deductible. Minimum coverage = 15/30/25 liability, no comp or collision
USAA is excluded from all provider tables; it's available only to military members, veterans, and their immediate families. Eligible drivers should include USAA in any quote comparison.
MoneyGeek scores carriers on three factors. Affordability (60% of score): normalized rates across all carriers within each driver profile; lower rate relative to competitors = higher affordability score, calculated separately per driver profile. Customer Experience (30%): JD Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings, and Google Business ratings; 2024–2025 data weighted twice as heavily as older data. Coverage Options (10%): number of add-on coverages available and included benefits.
Louisiana-specific notes:
Louisiana is an at-fault state with a direct-action statute, permitting injured parties to sue the insurer directly
Louisiana requires SR-22 filing for DUI convictions; filing must be maintained for 3 years from conviction under La. R.S. 32:898
Louisiana permits gender as a rating factor; a 2021 bill to ban gender rating did not pass
Louisiana permits credit-based insurance scoring; it may not be used as the sole rating factor per La. R.S. 22:1501
Uninsured driver rate: 13–14% (Insurance Research Council)
About Mark Fitzpatrick
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 produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.