$39/mo
$66/mo
$82/mo
The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.
The car owners in Louisiana pays on an average of $1690 for six months for car insurance, which is more than the national average. Louisiana Farm Bureau offers cheap and the best rates in Louisiana.
Louisiana Farm Bureau offers the cheapest liability coverage in Louisiana at $39/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Louisiana ↓
Louisiana Farm Bureau provides cheap full insurance coverage in Louisiana at $83/month, offering excellent value.
Read about the cheapest full coverage companies in Louisiana ↓
Louisiana Farm Bureau is the cheapest option after an at-fault accident in Louisiana at $50 per month.
Read more about best car insurance companies after at-fault accident in Louisiana ↓
Louisiana Farm Bureau was named the best overall by J.D. Power and AM Best, making it a top pick among Louisiana’s best car insurers.
Check out the full list of the best car insurance companies in Louisiana ↓For drivers looking to meet Louisiana minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Louisiana is widely available from providers like Louisiana Farm Bureau at $39/month. If you opt for Safeway you will have to pay at least $122/month for your car insurance premium, which is the highest in Louisiana.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $232 | $39 |
| Southern Farm Bureau | $386 | $66 |
| USAA | $487 | $82 |
| Progressive | $499 | $84 |
| State Farm | $523 | $88 |
| Farm Bureau | $600 | $101 |
| AAA | $618 | $103 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Louisiana Farm Bureau offers the cheapest car insurance for full coverage in Louisiana at $83 per month. On the other hand AAA offers the most expensive rate at $403 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $487 | $83 |
| Southern Farm Bureau | $1105 | $184 |
| USAA | $1467 | $247 |
| Progressive | $1651 | $278 |
| Farm Bureau | $1723 | $290 |
| State Farm | $1818 | $306 |
| Safeway | $1859 | $313 |
Get Your Car Insurance Quote in Louisiana Instantly!
Louisiana Farm Bureau stands out as the best car insurance provider in Louisiana, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Progressive is a top pick for drivers seeking value and reliability.
Louisiana Farm Bureau offers a six-month premium of $356, which amounts to approximately $61 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Progressive is $642, which is higher than Louisiana Farm Bureau's by $286. Their higher monthly premium is, due to their strict policies on traffic violations.
State Farm's premium is $659, which is significantly more expensive than Progressive's by $17. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $356 | $61 |
| Progressive | $642 | $107 |
| State Farm | $659 | $112 |
| Southern Farm Bureau | $1105 | $184 |
| USAA | $1283 | $218 |
| Safeway | $1521 | $253 |
Teens and young drivers in Louisiana often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Louisiana is
$4375 for 6 months, which is more than the national average.
Louisiana Farm Bureau is the best options for cheap
car insurance for young drivers in Louisiana.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $380 | $63 |
| State Farm | $2893 | $487 |
| USAA | $3089 | $515 |
| Safeway | $4722 | $803 |
| Allstate | $5251 | $875 |
| Progressive | $5453 | $918 |
| Farm Bureau | $6178 | $1030 |
Car insurance rates in Louisiana have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Louisiana rose by $372 in Jan compared to $304 of Dec. In other words, there has been an increase by $68 when you compare Jan and Dec.
The average cost of liability insurance in the Louisiana rose to $89 in Jan, compared to $85 in Dec. This represents an increase of $4 when comparing Jan and Dec.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Louisiana Farm Bureau gives you the cheapest car insurance rate after an at-fault accident in Louisiana at $50/month. On the other hand AAA is the most expensive option at $645/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $303 | $50 |
| State Farm | $1188 | $200 |
| USAA | $1337 | $225 |
| Progressive | $1467 | $247 |
| Safeway | $1711 | $288 |
| Farm Bureau | $1853 | $315 |
| Allstate | $1883 | $317 |
If you are living in Louisiana you should opt for Louisiana Farm Bureau. Louisiana Farm Bureau ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Louisiana, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Louisiana may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Louisiana after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1639 | $273 |
| One Med/PIP claim | $1639 | $279 |
| Two Med/PIP claims | $1657 | $276 |
| Not-at-fault accident | $1663 | $283 |
| One comp claim | $1669 | $278 |
| Two comp claims | $1729 | $294 |
| Failure to wear a seat belt | $1931 | $322 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Louisiana is Louisiana Farm Bureau at $55 per month. AAA at $585 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Louisiana Farm Bureau | $333 | $55 |
| Southern Farm Bureau | $1372 | $233 |
| Progressive | $1675 | $282 |
| Farm Bureau | $1853 | $315 |
| USAA | $2263 | $381 |
| Safeway | $2340 | $394 |
| State Farm | $2608 | $439 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Shreveport | $1426 | $240 |
| Hornbeck | $1556 | $265 |
| Sarepta | $1556 | $259 |
| Plain Dealing | $1574 | $268 |
| Shongaloo | $1574 | $262 |
| Simsboro | $1574 | $268 |
| Anacoco | $1580 | $263 |
| Arcadia | $1580 | $269 |
| Fort Polk North | $1580 | $263 |
| Jonesboro | $1580 | $269 |
| New Llano | $1580 | $263 |
| Fort Polk | $1586 | $270 |
