Low-cost car insurance in Louisiana

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In Louisiana, Southern Farm Bureau offers the cheapest average premium at $2,223 per year. For comparison, the statewide average monthly cost is $348, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Louisiana, the minimum liability requirement is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $25,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Southern Farm Bureau has the lowest average car insurance premium in Louisiana, costing $2,223 per year. That’s $1,957 the state average.
For drivers with an at-fault accident on record, Southern Farm Bureau offers the most affordable coverage at around $2,776 annually.
The 71064 ZIP code stands out as the cheapest area for auto insurance in Louisiana, with an average yearly cost of $3,182.

Low-cost car insurance companies in Louisiana

Among all insurers in Louisiana, Southern Farm Bureau comes in lowest at $2,223 per year – $1,957 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Louisiana.

Company	Average annual rates
Southern Farm Bureau	$2,223
GEICO	$3,347
Progressive	$4,218
Farmers	$4,627
Safeway Insurance	$4,679
State Farm	$4,761
Auto Club Enterprises (AAA)	$4,853
Louisiana Farm Bureau	$5,169
Allstate	$9,726
USAA*	$2,696

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Louisiana

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Louisiana

Drivers in the 71064 ZIP code pay the lowest average annual premium in Louisiana, at $3,182. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
71064	Plain Dealing	$3,182
71055	Minden	$3,217
71075	Springhill	$3,230
71247	Hodge	$3,245
71251	Jonesboro	$3,247
71071	Sarepta	$3,250
71272	Ruston	$3,254
71006	Benton	$3,258
71474	Simpson	$3,259
71037	Haughton	$3,259

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Louisiana by city

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Low-cost car insurance in Louisiana by age

Young drivers often face the highest premiums. In Louisiana, for example, a 16-year-old pays $13,299 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$14,121
Young Adults (20-24)	$7,042
Adults (25-60)	$4,090
Seniors (65-75)	$3,862

Low-cost car insurance in Louisiana by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Louisiana

Just one speeding ticket in Louisiana can raise your rates by 34% – $1,403 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Southern Farm Bureau	$2,223	$2,466	11%	$243
Safeway Insurance	$4,679	$4,756	2%	$77
State Farm	$4,761	$5,060	6%	$299
Progressive	$4,218	$5,479	30%	$1,261
GEICO	$3,347	$6,324	89%	$2,977
Auto Club Enterprises (AAA)	$4,853	$6,363	31%	$1,509
Farmers	$4,627	$7,824	69%	$3,197
USAA*	$2,696	$3,461	28%	$764

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Louisiana

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Southern Farm Bureau has the lowest average rate at $2,776 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Louisiana with the most affordable rates for drivers with an accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Southern Farm Bureau	$2,223	$2,776	25%	$553
State Farm	$4,761	$5,402	13%	$641
Safeway Insurance	$4,679	$5,765	23%	$1,086
GEICO	$3,347	$6,779	103%	$3,432
Auto Club Enterprises (AAA)	$4,853	$7,070	46%	$2,217
Progressive	$4,218	$7,084	68%	$2,866
Farmers	$4,627	$7,665	66%	$3,039
USAA*	$2,696	$4,063	51%	$1,367

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Louisiana

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Louisiana are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Southern Farm Bureau	$2,223	$2,814	$590	27%
Progressive	$4,218	$4,732	$514	12%
State Farm	$4,761	$5,060	$299	6%
Safeway Insurance	$4,679	$6,169	$1,490	32%
Auto Club Enterprises (AAA)	$4,853	$6,595	$1,742	36%
GEICO	$3,347	$7,163	$3,816	114%
Farmers	$4,627	$11,203	$6,577	142%
USAA*	$2,696	$4,342	$1,646	61%

*USAA is only available to military community members and their families.

Average cost of car insurance Louisiana

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Louisiana, the average cost of full coverage is $1,667 more compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Louisiana, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Louisiana.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Louisiana. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.