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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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 Provider | Annual Premium | Monthly 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:
| Company | Full Coverage | Liability-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.
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.
