Search

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.
In this article

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$3,198$266
Louisiana Farm Bureau$4,829$402
State Farm$5,528$461
Safeway$6,031$503
Geico$6,474$540

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$1,155$96
Louisiana Farm Bureau$1,590$132
State Farm$1,679$140
Geico$1,700$142
Progressive$1,781$148

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$1,888$157
Geico$2,263$189
Safeway$2,557$213
Louisiana Farm Bureau$3,040$253
Progressive$3,175$265

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$1,359$113
Louisiana Farm Bureau$1,693$141
State Farm$1,853$154
Progressive$2,074$173
Geico$2,214$184

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$1,516$126
Louisiana Farm Bureau$1,873$156
State Farm$2,087$174
Progressive$2,317$193
Geico$2,459$205

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$1,650$138
Louisiana Farm Bureau$1,839$153
Progressive$2,359$197
State Farm$2,562$214
Geico$3,249$271
cheapest auto insurance in louisiana for 20-year-olds after a dui

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$2,128$177
Louisiana Farm Bureau$2,458$205
State Farm$2,672$223
Safeway$3,413$284
Geico$3,474$290

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$582$48
State Farm$614$51
Louisiana Farm Bureau$704$59
Geico$785$65
Progressive$963$80

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

Insurance ProviderAnnual PremiumMonthly Premium
Safeway$3,413$284
Southern Farm Bureau Casualty$3,792$316
Louisiana Farm Bureau$4,783$399
Safe Auto$4,888$407
Geico$5,113$426

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

Insurance ProviderAnnual PremiumMonthly Premium
State Farm$678$56
Southern Farm Bureau Casualty$684$57
Louisiana Farm Bureau$755$63
Progressive$1,197$100
Geico$1,241$103

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$2,676$223
Louisiana Farm Bureau$2,838$236
State Farm$3,219$268
Safeway$4,221$352
Safe Auto$4,975$415

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$2,737$228
Louisiana Farm Bureau$2,761$230
State Farm$3,683$307
Safeway$4,517$376
Safe Auto$4,975$415

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$1,857$155
Louisiana Farm Bureau$2,324$194
State Farm$2,604$217
Safeway$3,184$265
Safe Auto$3,212$268

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$471$39
State Farm$599$50
Louisiana Farm Bureau$648$54
Geico$771$64
Progressive$898$75

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

Insurance ProviderAnnual PremiumMonthly Premium
Safeway$3,184$265
Southern Farm Bureau Casualty$3,355$280
Safe Auto$4,216$351
Louisiana Farm Bureau$4,567$381
Geico$5,074$423

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$554$46
State Farm$662$55
Louisiana Farm Bureau$690$58
Progressive$1,128$94
Geico$1,246$104

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$2,316$193
Louisiana Farm Bureau$2,659$222
State Farm$3,135$261
Safeway$3,930$328
Safe Auto$4,843$404

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$2,350$196
Louisiana Farm Bureau$2,569$214
State Farm$3,584$299
Safeway$4,202$350
Safe Auto$4,843$404

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$1,802$150
Louisiana Farm Bureau$2,057$171
State Farm$2,509$209
Safeway$2,772$231
Safe Auto$2,937$245

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$461$38
Louisiana Farm Bureau$565$47
State Farm$578$48
Geico$717$60
Progressive$839$70

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

Insurance ProviderAnnual PremiumMonthly Premium
Safeway$2,772$231
Southern Farm Bureau Casualty$3,257$271
Safe Auto$3,723$310
Louisiana Farm Bureau$4,022$335
Geico$4,818$402

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$542$45
Louisiana Farm Bureau$606$50
State Farm$637$53
Progressive$1,078$90
Safeway$1,141$95

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$2,243$187
Louisiana Farm Bureau$2,364$197
State Farm$3,021$252
Safeway$3,405$284
Safe Auto$4,334$361

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$2,272$191
Louisiana Farm Bureau$2,291$192
State Farm$3,454$288
Safeway$3,637$303
Safe Auto$4,334$361

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$1,874$156
Louisiana Farm Bureau$2,093$174
State Farm$2,382$198
Safeway$2,743$229
Progressive$2,921$243

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$498$42
State Farm$543$45
Louisiana Farm Bureau$583$49
Geico$730$61
Progressive$825$69

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

Insurance ProviderAnnual PremiumMonthly Premium
Safeway$2,743$229
Southern Farm Bureau Casualty$3,385$282
Safe Auto$3,754$313
Louisiana Farm Bureau$4,086$340
Geico$4,825$402

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$585$49
State Farm$600$50
Louisiana Farm Bureau$628$52
Progressive$1,062$88
Safeway$1,161$97

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$2,337$195
Louisiana Farm Bureau$2,411$201
State Farm$2,869$239
Safeway$3,370$281
Safe Auto$4,386$366

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

Insurance ProviderAnnual PremiumMonthly Premium
Louisiana Farm Bureau$2,342$195
Southern Farm Bureau Casualty$2,374$198
State Farm$3,276$273
Safeway$3,599$300
Safe Auto$4,386$366
cheapest auto insurance in louisiana for 60-year-olds after a dui

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$2,098$175
Louisiana Farm Bureau$2,305$192
State Farm$2,579$215
Safeway$2,743$229
MetLife$3,110$259

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$604$50
State Farm$639$53
Louisiana Farm Bureau$670$56
Geico$847$71
Progressive$976$81

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

Insurance ProviderAnnual PremiumMonthly Premium
Safeway$2,743$229
Southern Farm Bureau Casualty$3,791$316
Safe Auto$4,101$342
Louisiana Farm Bureau$4,497$375
Geico$5,137$428

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

Insurance ProviderAnnual PremiumMonthly Premium
State Farm$705$59
Southern Farm Bureau Casualty$711$59
Louisiana Farm Bureau$724$60
Safeway$1,161$97
Progressive$1,321$110

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

Insurance ProviderAnnual PremiumMonthly Premium
Southern Farm Bureau Casualty$2,634$220
Louisiana Farm Bureau$2,668$222
State Farm$3,118$260
Safeway$3,370$281
Safe Auto$4,803$400

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

Insurance ProviderAnnual PremiumMonthly Premium
Louisiana Farm Bureau$2,602$217
Southern Farm Bureau Casualty$2,694$224
State Farm$3,593$299
Safeway$3,599$300
Safe Auto$4,802$400

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

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.

Discover Other States Cheapest Car Insurance in USA

Cheapest Car Insurance in CaliforniaCheapest Car Insurance in GeorgiaCheapest Car Insurance in Illinois
Cheapest Car Insurance in FloridaCheapest Car Insurance in MichiganCheap Car Insurance in Maryland
Cheapest Car Insurance in TexasCheap Car Insurance in AlabamaCheapest Car Insurance in New York
Cheap Car Insurance in New JerseyCheapest Car Insurance in ArizonaCheap Car Insurance in Arkansas
Cheapest Car Insurance in OhioCheapest Car Insurance in ColoradoCheap Car Insurance In Kansas
Cheap Car Insurance in VirginiaCheapest Car Insurance in WisconsinCheap Car Insurance in Maine
Cheapest Car Insurance In AlaskaCheapest Car Insurance In Washington DCCheapest Car Insurance In Indiana
Cheapest Car Insurance In ConnecticutCheapest Car Insurance In HawaiiCheapest Car Insurance In Iowa
Cheapest Car Insurance in DelawareCheapest Car Insurance In IdahoCheapest Car Insurance In Kentucky
Cheapest Car Insurance In MassachusettsCheapest Car Insurance In MissouriCheapest Car Insurance in Nevada
Cheapest Car Insurance in MinnesotaCheapest Car Insurance in MontanaCheapest Car Insurance in New Hampshire
Cheapest Car Insurance In MississippiCheapest Car Insurance in NebraskaCheapest Car Insurance in New Mexico
Cheapest Car Insurance In North CarolinaCheapest Car Insurance in OregonCheapest Car Insurance in South Carolina
Cheapest Car Insurance in North DakotaCheapest Car Insurance in PennsylvaniaCheapest Car Insurance in South Dakota
Cheapest Car Insurance in OklahomaCheapest Car Insurance in Rhode IslandCheapest Car Insurance in Tennessee
Cheapest Car Insurance in VermontCheapest Car Insurance in Wyoming

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.

Was this helpful?

Did you like the post or would you like to give some feedback? Let us know your opinion by clicking one of the buttons below!

👍👎

Author

Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

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.

Related Posts
Cheapest Car Insurance in West Virginia
Cheapest Car Insurance in West Virginia
Considering car insurance companies have different ways of calculating their premium for the best coverage, it is important to compare rates from multiple providers. This guide provides the necessary details to find the cheapest car insurance in West Virginia to help you make an informed decision.
car insurance in Chattanooga
Car Insurance In Chattanooga
Several factors influence car insurance in Chattanooga, including your driving record, age, type of vehicle, location, and credit score. Additionally, coverage options, deductibles, and insurance history can impact the cost of your premiums.
car insurance in Bowling Green
Best Car Insurance in Bowling Green, KY
Several factors influence car insurance in Bowling Green, KY, including driving record, age, vehicle type, location, credit history, and coverage options. Insurance companies assess these factors to determine risk levels and calculate premiums accordingly.
car insurance In Beaumont
Best Car Insurance In Beaumont, TX
Several factors influence car insurance in Beaumont, TX, including your driving record, age, gender, vehicle type, coverage options, credit score, and location. Companies also consider local factors such as traffic patterns, crime rates, and weather conditions.
car insurance in Aurora
Best Car Insurance in Aurora, CO
Several factors influence car insurance in Aurora, CO, including your driving record, age, gender, marital status, credit score, vehicle type, and the amount of coverage you choose.
car insurance in Augusta
Best Car Insurance in Augusta, GA
Several factors influence car insurance in Augusta, GA, including driving records, age, credit score, type of vehicle, and coverage options. Other factors may include location, annual mileage, and whether you qualify for any discounts.
Features
Essentials

Get up to $1,000 for emergencies

Send money to anyone in the US

Ger personalized financial insights

Monitor and grow credit score

Save up to 40% on car insurance

Get up to $1,000 for loss of income

Insure up to $1 Million

Coming Soon

File federal and state taxes at low cost

Quick estimate of your tax returns

Get up to $1,000 for emergencies

Send money to anyone in the US

Save big on auto insurance - compare quotes now!

Zip Code:
Zip Code: