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Cheapest Car Insurance in Louisiana

Beem’s guide will help Louisiana residents navigate through the changing trends to discover cost-effective car insurance options and empower new and experienced drivers to make informed choices in this dynamic industry. Let’s explore!
cheapest car insurance in louisiana
Cheapest Car Insurance in Louisiana
Finding affordable and dependable car insurance in Louisiana can be complex with evolving industry trends such as technology integration, rising costs, and personalized policies. We got you covered with the most comprehensive guide to finding the cheapest car insurance options in Louisiana.
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Today, car insurance is essential for drivers as it provides financial security and ensures compliance with state laws. Finding affordable and dependable car insurance can be complex with evolving industry trends such as technology integration, rising costs, and personalized policies. 

Digitalization and market competition have reshaped the insurance landscape, making it easier to access information and discounts.

This guide helps Louisiana residents of all backgrounds navigate these trends to discover cost-effective car insurance options, empowering new and experienced drivers to make informed choices in this dynamic industry. Meanwhile, use Beem to find the best insurance quotes to make the right choice for your needs and get up to 40% on your coverage.

Cheapest Car Insurance in Louisiana

Louisiana, known for its vibrant culture and unique cuisine, is also home to some unique challenges regarding car insurance. The state’s high accident rates and unique insurance laws complicate finding affordable coverage. But fear not, as we’ve done the research to help you find the cheapest car insurance in Louisiana for September 2023.

What is the Cheapest Car Insurance in Louisiana?

To determine Louisiana’s cheapest car insurance options, we considered various factors such as age, driving history, and credit score. The rates provided are average annual premiums, but individual rates may vary. Let’s dive into the details.

How We Chose the Cheapest Companies in Louisiana

Our research for Cheapest Car Insurance in Louisiana involved examining rates from multiple insurance companies based on driver profiles. We analyzed the cost of full coverage and minimum coverage policies for drivers at various ages and with different factors affecting their rates, such as poor credit, speeding tickets, at-fault crashes, and DUI convictions.

Cheap Car Insurance in Louisiana

Louisiana’s unique insurance landscape means that rates vary widely based on your circumstances. To help you navigate these differences, we’ve organized our findings by age groups, from teenagers to senior citizens, and included full coverage, minimum coverage, and the impact of factors like credit score and driving history. Let’s begin by looking at the rates for teen drivers in Louisiana.

Louisiana Rates for Teen Drivers

Teenagers often face the highest car insurance rates due to their lack of driving experience. In Louisiana, these rates can be exceptionally high. Here are the cheapest options we found for teen drivers:

Cheapest for 20-year-old drivers

As young adults, 20-year-old drivers can also expect higher insurance rates. However, some companies offer more affordable coverage. Let’s explore the options for 20-year-olds.

Cheapest full coverage car insurance in Louisiana for 20-year-olds

1. Southern Farm Bureau Casualty: Offering an annual rate of approximately $3,198, equivalent to around $266 monthly.

2. Louisiana Farm Bureau: Providing coverage at an average yearly cost of about $4,829, or roughly $402 monthly.

3. State Farm: Extending insurance at an average annual fee of approximately $5,528, or about $461 monthly.

4. Safeway: Extending coverage at a yearly rate of roughly $6,031, or around $503 monthly.

5. Geico: A yearly premium of approximately $6,474 translates to about $540 monthly.

Cheapest minimum coverage car insurance in Louisiana for 20-year-olds

1. Southern Farm Bureau Casualty: Providing coverage at an annual rate of approximately $1,155, or around $96 per month.

2. Louisiana Farm Bureau: Extending insurance at an average yearly cost of about $1,590, which equates to roughly $132 per month.

3. State Farm: Offering coverage at an average annual premium of approximately $1,679, or about $140 monthly.

4. Geico: Providing coverage at a yearly rate of roughly $1,700, equivalent to about $142 per month.

5. Progressive: Extending insurance at an average yearly cost of approximately $1,781, or around $148 per month.

Cheapest auto insurance in Louisiana for 20-year-olds with poor credit

1. Southern Farm Bureau Casualty: Offering coverage at an annual rate of about $1,888, or approximately $157 per month.

2. Geico: Extending insurance at an average yearly cost of around $2,263, equivalent to about $189 per month.

3. Safeway: Providing coverage at an average annual premium of roughly $2,557, or about $213 per month.

4. Louisiana Farm Bureau: Offering coverage at an average annual rate of about $3,040 translates to approximately $253 per month.

5. Progressive: Extending insurance at an average yearly cost of around $3,175, or about $265 per month.

Cheapest auto insurance in Louisiana for 20-year-olds with one speeding ticket

1. Southern Farm Bureau Casualty: Providing coverage at an annual rate of approximately $1,359, or around $113 per month.

2. Louisiana Farm Bureau: Extending insurance at an average yearly cost of about $1,693, equivalent to roughly $141 per month.

3. State Farm: Offering coverage at an average annual premium of approximately $1,853, or about $154 per month.

4. Progressive: Providing coverage at a yearly rate of about $2,074, which translates to roughly $173 per month.

5. Geico: Extending insurance at an average yearly cost of about $2,214, or approximately $184 per month.

Cheapest auto insurance in Louisiana for 20-year-olds with one at-fault crash

1. Southern Farm Bureau Casualty: Providing coverage at an annual rate of approximately $1,516, or around $126 per month.

2. Louisiana Farm Bureau: Extending insurance at an average yearly cost of about $1,873, equivalent to roughly $156 per month.

3. State Farm: Offering coverage at an average annual premium of approximately $2,087, or about $174 per month.

4. Progressive: Providing coverage at a yearly rate of about $2,317, which translates to roughly $193 per month.

5. Geico: Extending insurance at an average yearly cost of about $2,459, or approximately $205 per month.

Cheapest auto insurance in Louisiana for 20-year-olds after a DUI

1. Southern Farm Bureau Casualty: Offering coverage at an annual rate of approximately $1,650, or around $138 per month.

2. Louisiana Farm Bureau: Extending insurance at an average yearly cost of about $1,839, equivalent to roughly $153 per month.

3. Progressive: Providing coverage at a yearly rate of about $2,359, which translates to roughly $197 per month.

4. State Farm: Offering coverage at an average annual premium of approximately $2,562, or about $214 per month.

5. Geico: Extending insurance at an average yearly cost of about $3,249, or approximately $271 per month.

cheapest auto insurance in louisiana for 20-year-olds after a dui
Cheapest Car Insurance in Louisiana 5

Cheapest for 30-year-old drivers

The 30-year-old drivers can enjoy reduced car insurance rates. However, it’s still important to shop around for the best rates.

Cheapest full coverage car insurance in Louisiana for 30-year-olds

1. Southern Farm Bureau Casualty: Offering coverage at an annual rate of approximately $2,128, or around $177 per month.

2. Louisiana Farm Bureau: Extending insurance at an average yearly cost of about $2,458, equivalent to roughly $205 per month.

3. State Farm: Providing coverage at an average annual premium of approximately $2,672, or about $223 per month.

4. Safeway: Offering coverage at a yearly rate of roughly $3,413, or around $284 per month.

5. Geico: Extending insurance at an average yearly cost of about $3,474, or approximately $290 per month.

Cheapest minimum coverage car insurance in Louisiana for 30-year-olds

1. Southern Farm Bureau Casualty: Providing coverage at an annual rate of approximately $582, equivalent to about $48 per month.

2. State Farm: Extending insurance at an average yearly cost of about $614, or roughly $51 per month.

3. Louisiana Farm Bureau: Offering coverage at an average annual premium of approximately $704, or about $59 per month.

4. Geico: Providing coverage at a yearly rate of roughly $785, which translates to about $65 per month.

5. Progressive: Extending insurance at an average yearly cost of about $963, or around $80 per month.

Cheapest auto insurance in Louisiana for 30-year-olds with poor credit

1. Safeway: Providing coverage at an annual rate of approximately $3,413, equivalent to about $284 per month.

2. Southern Farm Bureau Casualty: Offering coverage at a yearly rate of about $3,792, or roughly $316 per month.

3. Louisiana Farm Bureau: Extending insurance at an average yearly cost of approximately $4,783, which equates to about $399 per month.

4. Safe Auto: Providing coverage at a yearly rate of about $4,888, which translates to roughly $407 per month.

5. Geico: Extending insurance at an average yearly cost of about $5,113, or approximately $426 per month.

Cheapest auto insurance in Louisiana for 30-year-olds with one speeding ticket

1. State Farm: Providing coverage at an annual rate of approximately $678, equivalent to about $56 per month.

2. Southern Farm Bureau Casualty: Offering coverage at a yearly rate of about $684, or roughly $57 per month.

3. Louisiana Farm Bureau: Extending insurance at an average yearly cost of approximately $755, which equates to about $63 per month.

4. Progressive: Providing coverage at a yearly rate of about $1,197, which translates to roughly $100 per month.

5. Geico: Extending insurance at an average yearly cost of about $1,241, or approximately $103 per month.

Cheapest auto insurance in Louisiana for 30-year-olds with one at-fault crash

1. Southern Farm Bureau Casualty: Providing full coverage at an annual rate of approximately $2,676, or around $223 per month.

2. Louisiana Farm Bureau: Extending full coverage insurance at an average yearly cost of about $2,838, equivalent to roughly $236 per month.

3. State Farm: Offering full coverage at an average annual premium of approximately $3,219, or about $268 per month.

4. Safeway: Providing full coverage at a yearly rate of roughly $4,221, which translates to about $352 per month.

5. Safe Auto: Extending full coverage insurance at an average yearly cost of about $4,975, or approximately $415 per month.

Cheapest auto insurance in Louisiana for 30-year-olds after a DUI

1. Southern Farm Bureau Casualty: Offering full coverage at an annual rate of approximately $2,737, or around $228 per month.

2. Louisiana Farm Bureau: Extending full coverage insurance at an average yearly cost of about $2,761, equivalent to roughly $230 per month.

3. State Farm: Providing full coverage at an average annual premium of approximately $3,683, or about $307 per month.

4. Safeway: Providing full coverage at a yearly rate of roughly $4,517, which translates to about $376 per month.

5. Safe Auto: Extending full coverage insurance at an average yearly cost of about $4,975, or approximately $415 per month.

Cheapest for 40-year-old drivers

The 40-year-old drivers typically enjoy lower car insurance rates than younger age groups. However, it’s still important to shop around for the best rates. Let’s explore the options for 40-year-olds in Louisiana.

Cheapest full coverage car insurance in Louisiana for 40-year-olds

1. Southern Farm Bureau Casualty: This company offers the lowest rates, with an average annual premium of $1,857, or about $155 per month.

2. Louisiana Farm Bureau: This company is the second-cheapest option, with an average annual premium of $2,324, or about $194 per month.

3. State Farm: This major insurance company offers competitive rates. The average annual premium is $2,604, or about $217 per month.

4. Safeway: This company is known for its low rates and discounts. The average annual premium is $3,184, or about $265 per month.

5. Safe Auto: This company specializes in high-risk drivers and offers affordable rates. The average annual premium is $3,212, or about $268 per month.

Cheapest minimum coverage car insurance in Louisiana for 40-year-olds

1. Southern Farm Bureau Casualty: This company offers the lowest average rate of $471 per year or about $39 per month.

2. State Farm: This company’s average rate is $599 per year, or about $50 per month.

3. Louisiana Farm Bureau: This company’s average rate is $648 per year, or about $54 per month.

4. Geico: This company’s average rate is $771 per year or about $64 per month.

5. Progressive: This company’s average rate is $898 per year, or about $75 per month.

Cheapest auto insurance in Louisiana for 40-year-olds with poor credit

1. Safeway: The average annual rate is $3,184, or about $265 per month.

2. Southern Farm Bureau Casualty: The average annual rate is $3,355, or about $280 per month.

3. Safe Auto: The average annual rate is $4,216, or about $351 per month.

4. Louisiana Farm Bureau: The average annual rate is $4,567, or about $381 per month.

5. Geico: The average annual rate is $5,074, or about $423 per month.

Cheapest auto insurance in Louisiana for 40-year-olds with one speeding ticket

1. Southern Farm Bureau Casualty: The average annual rate is $554, or about $46 per month. This company is the cheapest option for drivers with a recent speeding ticket in Louisiana.

2. State Farm: The average annual rate is $662, or about $55 per month.

3. Louisiana Farm Bureau: The average annual rate is $690, or about $58 per month.

4. Progressive: The average annual rate is $1,128, or about $94 per month.

5. Geico: The average annual rate is $1,246, or about $104 per month.

Cheapest auto insurance in Louisiana for 40-year-olds with one at-fault crash

1. Southern Farm Bureau Casualty: The average annual rate is $2,316, or about $193 per month. This company is the cheapest option for drivers with a recent accident in Louisiana.

2. Louisiana Farm Bureau: The average annual rate is $2,659, or about $222 per month.

3. State Farm: The average annual rate is $3,135, or about $261 per month.

4. Safeway: The average annual rate is $3,930, or about $328 per month.

5. Safe Auto: The average annual rate is $4,843, or about $404 per month.

Cheapest auto insurance in Louisiana for 40-year-olds after a DUI

1. Southern Farm Bureau Casualty: This company offers the lowest average rate of $2,350 per year or about $196 per month.

2. Louisiana Farm Bureau: This company’s average rate is $2,569 per year or about $214 per month.

3. State Farm: This company’s average rate is $3,584 per year or about $299 per month.

4. Safeway: This company’s average rate is $4,202 per year or about $350 per month.

5. Safe Auto: This company’s average rate is $4,843 per year, or about $404 monthly.

Cheapest for 50-year-old drivers

Drivers in their 50s witness cheaper car insurance rates compared to most other age groups on average. You can also use Beem to compare quotes from different insurance providers and get upto 40% off on your auto insurance coverage. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Louisiana for 50-year-olds

1. Southern Farm Bureau Casualty: This company offers the lowest average rate of $1,802 per year, or about $150 per month.

2. Louisiana Farm Bureau: This company’s average rate is $2,057 per year or about $171 per month.

3. State Farm: This company’s average rate is $2,509 per year or about $209 per month.

4. Safeway: This company’s average rate is $2,772 per year or about $231 per month.

5. Safe Auto: This company’s average rate is $2,937 per year, or about $245 per month.

Cheapest minimum coverage car insurance in Louisiana for 50-year-olds

1. Southern Farm Bureau Casualty: This company offers the lowest average rate of $461 per year or about $38 per month.

2. Louisiana Farm Bureau: This company’s average rate is $565 per year, or about $47 per month.

3. State Farm: This company’s average rate is $578 per year, or about $48 per month.

4. Geico: This company’s average rate is $717 per year or about $60 per month.

5. Progressive: This company’s average rate is $839 per year or about $70 per month.

Cheapest auto insurance in Louisiana for 50-year-olds with poor credit

1. Safeway: This company offers the lowest average rate of $2,772 per year or about $231 per month.

2. Southern Farm Bureau Casualty: This company’s average rate is $3,257 per year or about $271 per month.

3. Safe Auto: This company’s average rate is $3,723 per year, or about $310 per month.

4. Louisiana Farm Bureau: This company’s average rate is $4,022 per year or about $335 per month.

5. Geico: This company’s average rate is $4,818 per year or about $402 per month.

Cheapest auto insurance in Louisiana for 50-year-olds with one speeding ticket

1. Southern Farm Bureau Casualty: This company offers the lowest average rate of $542 per year or about $45 per month.

2. Louisiana Farm Bureau: This company’s average rate is $606 per year, or about $50 per month.

3. State Farm: This company’s average rate is $637 per year, or about $53 per month.

4. Progressive: This company’s average rate is $1,078 per year or about $90 per month.

5. Safeway: This company’s average rate is $1,141 per year or about $95 per month.

Cheapest auto insurance in Louisiana for 50-year-olds with one at-fault crash

1. Southern Farm Bureau Casualty: This company offers the lowest average rate of $2,243 per year or about $187 per month.

2. Louisiana Farm Bureau: This company’s average rate is $2,364 per year, or about $197 per month.

3. State Farm: This company’s average rate is $3,021 per year or about $252 per month.

4. Safeway: This company’s average rate is $3,405 per year or about $284 per month.

5. Safe Auto: This company’s average rate is $4,334 per year or about $361 per month.

Cheapest auto insurance in Louisiana for 50-year-olds after a DUI

1. Southern Farm Bureau Casualty: This company offers the lowest average rate of $2,272 per year or about $191 per month.

2. Louisiana Farm Bureau: This company’s average rate is $2,291 per year or about $192 per month.

3. State Farm: This company’s average rate is $3,454 per year or about $288 per month.

4. Safeway: This company’s average rate is $3,637 per year or about $303 per month.

5. Safe Auto: This company’s average rate is $4,334 per year or about $361 per month.

Cheapest for 60-year-old drivers

60-year-old drivers typically enjoy lower car insurance rates compared to younger age groups. However, it’s still important to shop around for the best rates. Let’s explore the options for 60-year-olds in Louisiana.

Cheapest full coverage car insurance in Louisiana for 60-year-olds

1. Southern Farm Bureau Casualty: This company offers the lowest average rate of $1,874 per year or about $156 per month.

2. Louisiana Farm Bureau: This company’s average rate is $2,093 per year or about $174 per month.

3. State Farm: This company’s average rate is $2,382 per year, or about $198 per month.

4. Safeway: This company’s average rate is $2,743 per year or about $229 per month.

5. Progressive: This company’s average rate is $2,921 per year or about $243 per month.

Cheapest minimum coverage car insurance in Louisiana for 60-year-olds

1. Southern Farm Bureau Casualty: This company offers the lowest average rate of $498 per year or about $42 per month.

2. State Farm: This company’s average rate is $543 per year, or about $45 per month.

3. Louisiana Farm Bureau: This company’s average rate is $583 per year, or about $49 per month.

4. Geico: This company’s average rate is $730 per year or about $61 per month.

5. Progressive: This company’s average rate is $825 per year or about $69 per month.

Cheapest auto insurance in Louisiana for 60-year-olds with poor credit

1. Safeway: This company offers the lowest average rate of $2,743 per year or about $229 per month.

2. Southern Farm Bureau Casualty: This company’s average rate is $3,385 per year, or about $282 per month.

3. Safe Auto: This company’s average rate is $3,754 per year, or about $313 per month.

4. Louisiana Farm Bureau: This company’s average rate is $4,086 per year or about $340 per month.

5. Geico: This company’s average rate is $4,825 per year or about $402 per month.

Cheapest auto insurance in Louisiana for 60-year-olds with one speeding ticket

1. Southern Farm Bureau Casualty: This company offers the lowest average rate of $585 per year or about $49 per month.

2. State Farm: This company’s average rate is $600 per year, or about $50 per month.

3. Louisiana Farm Bureau: This company’s average rate is $628 per year, or about $52 per month.

4. Progressive: This company’s average rate is $1,062 per year or about $88 per month.

5. Safeway: This company’s average rate is $1,161 per year or about $97 per month.

Cheapest auto insurance in Louisiana for 60-year-olds with one at-fault crash

1. Southern Farm Bureau Casualty: This company offers the lowest average rate of $2,337 per year or about $195 per month.

2. Louisiana Farm Bureau: This company’s average rate is $2,411 per year or about $201 per month.

3. State Farm: This company’s average rate is $2,869 per year or about $239 per month.

4. Safeway: This company’s average rate is $3,370 per year or about $281 per month.

5. Safe Auto: This company’s average rate is $4,386 per year or about $366 per month.

Cheapest auto insurance in Louisiana for 60-year-olds after a DUI

1. Louisiana Farm Bureau: This company offers the lowest average rate of $2,342 per year or about $195 per month.

2. Southern Farm Bureau Casualty: This company’s average rate is $2,374 per year or about $198 per month.

3. State Farm: This company’s average rate is $3,276 per year or about $273 per month.

4. Safeway: This company’s average rate is $3,599 per year or about $300 per month.

5. Safe Auto: This company’s average rate is $4,386 per year or about $366 per month.

cheapest auto insurance in louisiana for 60-year-olds after a dui
Cheapest Car Insurance in Louisiana 6

Cheapest for 70-year-old drivers

As drivers reach their 70s, they typically enjoy lower car insurance rates than younger age groups. However, it’s still important to shop around for the best rates. Let’s explore the options for 70-year-olds in Louisiana.

Cheapest full coverage car insurance in Louisiana for 70-year-olds

1. Southern Farm Bureau Casualty: This company has the lowest average annual rate of $2,098, or about $175 per month.

2. Louisiana Farm Bureau: This company is the second cheapest option, with an average annual rate of $2,305, or about $192 per month.

3. State Farm: This company is the third cheapest option, with an average annual rate of $2,579, or about $215 per month.

4. Safeway: This company is the fourth cheapest option, with an average annual rate of $2,743, or about $229 per month.

5. MetLife: This company is the most expensive option, with an average annual rate of $3,110, or about $259 per month.

Cheapest minimum coverage car insurance in Louisiana for 70-year-olds

1. Southern Farm Bureau Casualty: This company has the lowest average annual rate of $604, or about $50 per month.

2. State Farm: This company is the second cheapest option, with an average annual rate of $639, or about $53 per month.

3. Louisiana Farm Bureau: This company is the third cheapest option, with an average annual rate of $670, or about $56 per month.

4. Geico: This company is the fourth cheapest option, with an average annual rate of $847, or about $71 per month.

5. Progressive: This company is the fifth cheapest option, with an average annual rate of $976, or about $81 per month.

Cheapest auto insurance in Louisiana for 70-year-olds with poor credit

1. Safeway: Providing full coverage at an average annual rate of $2,743, with monthly installments of about $229.

2. Southern Farm Bureau Casualty: Extending coverage at an average annual cost of $3,791 translates to approximately $316 per month.

3. Safe Auto: Offering full coverage at an average annual rate of $4,101, equating to roughly $342 per month.

4. Louisiana Farm Bureau: Providing full coverage with an average yearly premium of $4,497, resulting in an estimated $375 per month.

5. Geico: This established insurer offers full coverage at an average yearly rate of $5,137, roughly $428 per month.

Cheapest auto insurance in Louisiana for 70-year-olds with one speeding ticket

1. State Farm: Extending coverage at an average annual cost of $705, which equates to approximately $59 per month.

2. Southern Farm Bureau Casualty: Providing policies with an average yearly premium of $711, an estimated $59 per month.

3. Louisiana Farm Bureau: Offering coverage with an average annual rate of $724, translating to about $60 monthly.

4. Safeway: Providing minimum coverage at an average annual rate of $1,161, with monthly installments of about $97.

5. Progressive: This established insurer offers minimum coverage at an average yearly rate of $1,321, roughly $110 per month.

Cheapest auto insurance in Louisiana for 70-year-olds with one at-fault crash

1. Southern Farm Bureau Casualty: Providing full coverage at an average annual rate of $2,634, with monthly installments of about $220.

2. Louisiana Farm Bureau: Offering full coverage at an average yearly premium of $2,668, resulting in an estimated $222 per month.

3. State Farm: Known for its reliability, State Farm extends full coverage at an average yearly cost of $3,118, translating to approximately $260 per month.

4. Safeway: Providing full coverage at an average annual rate of $3,370, equating to roughly $281 per month.

5. Safe Auto: This reputable insurer offers full coverage at an average yearly rate of $4,803, roughly $400 per month.

Cheapest auto insurance in Louisiana for 70-year-olds after a DUI

1. Louisiana Farm Bureau: Providing coverage at an average annual rate of $2,602, roughly $217 per month.

2. Southern Farm Bureau Casualty: Extending coverage at an average annual cost of $2,694, equivalent to approximately $224 per month.

3. State Farm: Known for its reliability, State Farm offers policies at an average yearly cost of $3,593, resulting in approximately $299 in monthly payments.

4. Safeway: Providing full coverage at an average annual rate of $3,599, with monthly installments of about $300.

5. Safe Auto: This reputable insurer offers full coverage at an average yearly rate of $4,802, roughly $400 per month.

How Much Is Full Coverage Car Insurance in Louisiana?

The average annual rate for full coverage car insurance in Louisiana is $3,040. However, your rates may vary depending on your circumstances, such as your age, driving record, and car type.

The following table shows the average annual car insurance rates in Louisiana for the five companies:

CompanyFull CoverageLiability-Only
Southern Farm Bureau Casualty$3,040$1,155
Louisiana Farm Bureau$3,198$1,190
State Farm$3,249$1,215
Safeway$3,413$1,255
Safe Auto$3,570$1,305

Average annual car insurance rates in Louisiana by company

The average annual car insurance rates in Louisiana vary depending on the company. Southern Farm Bureau Casualty has the cheapest full coverage car insurance rates in Louisiana, with an average annual rate of $3,040. Louisiana Farm Bureau is another good option for cheap car insurance in Louisiana, with their average annual rate for full coverage being $3,198.

State Farm is a national company that offers car insurance in Louisiana, and its average annual rate for full coverage is $3,249. Safeway is a regional company that offers car insurance in Louisiana, and their average annual rate for full coverage is $3,413. Safe Auto is a budget-friendly car insurance company that offers car insurance in Louisiana, and their average annual rate for full coverage is $3,570.

How Much Is Liability-Only Coverage Car Insurance in Louisiana?

The average annual rate for liability-only car insurance in Louisiana is $1,155. This type of coverage only covers the cost of repairs to other people’s cars and property in the event of an accident. It does not cover the cost of repairs to your car.

Minimum Car Insurance Requirements in Louisiana

Bodily Injury Liability Coverage: Louisiana requires a minimum bodily injury liability coverage of $15,000 per person and $30,000 per accident. 

Property Damage Liability Coverage: The state also mandates a minimum property damage liability coverage of $25,000 per accident. 

Tips for How to Get Cheap Car Insurance in Louisiana

  • Shop Around: Compare quotes from multiple insurance companies to find the best rates. 
  • Maintain a Clean Driving Record: Safe driving and avoiding accidents and traffic violations can help keep your insurance rates low. 
  • Bundle Policies: If you have multiple insurance needs, consider bundling your car insurance with other policies, such as homeowners or renters insurance.
  • Opt for Higher Deductibles: Choosing a higher deductible can lower your premium
  • Maintain Good Credit: Your credit score can influence your insurance rates. 
  • Drive a Safer Vehicle: Safety features on your vehicle can lead to discounts on your insurance premiums. 
  • Take Defensive Driving Courses: Completing a defensive driving course may make you eligible for discounts on your car insurance.
  • Ask About Discounts: Inquire with your insurance company about available discounts. 
  • Consider Usage-Based Insurance: Some insurers offer usage-based insurance programs where your premium is based on your driving habits.
  • Review and Update Your Policy Regularly: Review your insurance policy to ensure it meets your current needs.

No-Fault Insurance in Louisiana

Louisiana is a modified no-fault state, meaning that your insurance company will pay for your medical expenses, regardless of who is at fault in an accident. However, you are still responsible for paying for property damage to other vehicles.

You can file a claim against the other driver’s insurance company for pain and suffering, but you must prove they were at fault for the accident. There are a few exceptions to the no-fault rule in Louisiana, such as if the other driver was driving under the influence of alcohol or drugs or if they were intentionally negligent.

no-fault insurance in louisiana
Cheapest Car Insurance in Louisiana 7

Conclusion

Finding the cheapest car insurance in Louisiana requires careful consideration of your age, driving history, and specific circumstances. Use Beem to compare quotes from multiple insurance companies, adjust your coverage options, and explore discounts of up to 40% off.

You can save big bucks on your car insurance premiums while ensuring adequate coverage. If you have specific questions about car insurance in Louisiana or need further assistance, don’t hesitate to reach out to insurance providers directly or consult with a licensed insurance agent who can provide guidance tailored to your needs.

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Frequently Asked Questions

Is car insurance required in Louisiana?

Yes, car insurance is required in Louisiana.

Which cars are required to be insured in Louisiana?

All vehicles driven in Louisiana must be insured.

When should I get car insurance in Louisiana?

Getting car insurance before driving on Louisiana’s roads would be best.

How much car insurance do I need in Louisiana?

Louisiana requires minimum coverage: $15,000 per person, $30,000 per accident for bodily injury liability, and $25,000 for property damage liability.

How much is car insurance in my city in Louisiana?

Car insurance costs vary by location, so getting quotes for your specific city is best.

What happens if my car is not properly insured in Louisiana?

Driving without proper insurance can lead to penalties, fines, license suspension, and impoundment.

Is Louisiana a no-fault state?

Yes, Louisiana is a no-fault insurance state and requires personal injury protection (PIP) coverage.

Do I need uninsured motorist coverage in Louisiana?

While not mandatory, uninsured motorist coverage is recommended in Louisiana.

Is liability insurance required in Louisiana?

Yes, liability insurance is required in Louisiana.

Does Louisiana accept digital insurance cards?

Yes, Louisiana accepts digital insurance cards as proof of coverage.

Is insurance expensive in Louisiana?

Due to various factors, Louisiana’s car insurance rates may be higher than the national average.

What’s the average cost of car insurance in Louisiana?

Car insurance costs in Louisiana vary based on individual factors, making personalized quotes necessary for accurate pricing.

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Team Beem
Team Beem
Team Beem brings you the latest in the world of personal finance to you. From tips and tricks on how to manage money to how to get cash for emergencies, Beem is your destination for all the information you need to be smart about your money.

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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