Home Car insurance Car insurance rates by state Cheapest car insurance in Louisiana Cheapest car insurance in Louisiana In Louisiana, Southern Farm Bureau offers the cheapest auto insurance rates at $2,121 annually. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 21, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Southern Farm Bureau offers the cheapest car insurance in Louisiana, with an average annual cost of $2,121, based on Insure.com’s data study. However, the exact rates may vary based on factors specific to you.Each state has different car insurance requirements. In Louisiana, drivers are required to carry minimum liability coverage of $15,000 for bodily injury protection per person, $30,000 of bodily injury coverage per accident, and $25,000 for property damage accident. However, many Louisiana drivers prefer full coverage car insurance because it provides adequate coverage in the event of an accident.Below, you’ll find which insurance companies are the most affordable for different categories. Cheapest overall: Southern Farm Bureau $2,121/year National avg. rate Cheapest for at-fault accident: Southern Farm Bureau $2,647/year Avg. rate after an at-fault accident Cheapest for speeding ticket: Southern Farm Bureau $2,352/year Avg. rate after speeding ticket Key Takeaways Southern Farm Bureau offers Louisiana drivers the cheapest car insurance rate at $2,121 annually, which is around 26% lower than the state’s average cost.In Louisiana, you can find the cheapest car insurance from Southern Farm Bureau at an annual cost of $2,647, even if you have a history of at-fault accidents.Based on Insure.com’s analysis, the 71071 ZIP code has the cheapest car insurance rates for Louisiana drivers, with an average cost of $2,452 a year. Cheap car insurance companies in LouisianaSouthern Farm Bureau offers Louisiana’s most affordable car insurance rates, at $2,121 per year, 26% less than the state’s annual cost. However, your rate may differ based on personal factors like your driving history, ZIP code and vehicle type.When looking for auto insurance, make sure to compare quotes from at least three different companies to ensure you’re getting the best coverage.The table below shows the most affordable car insurance companies and their average annual premiums.CompanyAverage annual ratesSouthern Farm Bureau$2,121GEICO$2,983Farmers$3,002Progressive$3,065Louisiana Farm Bureau$3,122Safeway Insurance$3,191Auto Club Enterprises (AAA)$3,473State Farm$3,570USAA*$1,973 *Note: USAA only offers coverage to military members, veterans and their families.How we choose the cheapest car insurance companies in Louisiana 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in LouisianaThe 71071 ZIP code in Louisiana has the cheapest auto insurance, with an average price of $2,452 annually. Discover the cheapest ZIP codes for car insurance in Louisiana below.ZIP codeCityAverage annual rates71071Sarepta$2,45271052Mansfield$2,45971439Hornbeck$2,46871270Ruston$2,48071272Ruston$2,48071275Simsboro$2,48071073Sibley$2,48271429Florien$2,48371018Cotton Valley$2,48771055Minden$2,488Auto 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 cityBaton RougeLafayetteLake CharlesNew OrleansShreveportCheapest car insurance in Louisiana by ageIn Louisiana, insurance rates for young drivers are significantly higher than for adults, as they are more prone to accidents and filing claims. Insure.com’s analysis shows that a 16-year-old pays $7,588 more for car insurance than a 40-year-old driver.The following table shows the cheapest car insurance premiums for drivers of different ages.Age groupFull coverage annual premiumsTeens (16-19)$8,376Young Adults (20-24)$4,531Adults (25-60)$2,867Seniors (65-75)$2,747 You might find interesting The best, cheapest car insurance in LouisianaLouisiana car insurance calculatorNon-owner car insurance in Louisiana: Which company has the cheapest rates?Cheapest SR-22 insurance in LouisianaBest and cheapest companies for home and auto bundles in Louisiana Cheapest car insurance in Louisiana by driver historyYour driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.Cheapest car insurance after a speeding ticket in LouisianaHere are the top three companies that offer cheap car insurance after a speeding ticket:Southern Farm Bureau: $2,352 per yearSafeway Insurance: $3,243 per yearState Farm: $3,794 per yearAccording to Insure.com data, a single speeding ticket can increase your rates by 34% or $967 in Louisiana.Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in Louisiana, below are some insurers that offer cheap car insurance after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseSouthern Farm Bureau$2,121$2,35211%$231Safeway Insurance$3,191$3,2432%$52State Farm$3,570$3,7946%$224Progressive$3,065$3,98230%$917Auto Club Enterprises (AAA)$3,473$4,55331%$1,080Farmers$3,002$5,07769%$2,075GEICO$2,983$5,63789%$2,654USAA*$1,973$2,53228%$559 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in LouisianaHere are the top three companies that offer cheap car insurance after an accident:Southern Farm Bureau: $2,647 per yearSafeway Insurance: $3,931 per yearState Farm: $4,050 per yearSouthern Farm Bureau offers the cheapest car insurance rates to drivers after an at-fault accident at about $2,647 a year.If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseSouthern Farm Bureau$2,121$2,64725%$526Safeway Insurance$3,191$3,93123%$740State Farm$3,570$4,05013%$480Farmers$3,002$4,97466%$1,972Auto Club Enterprises (AAA)$3,473$5,05946%$1,586Progressive$3,065$5,14968%$2,084GEICO$2,983$6,043103%$3,060USAA*$1,973$2,97351%$1,000 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in LouisianaHere are the top three insurers that provide affordable car insurance rates after a DUI conviction.Southern Farm Bureau: $2,684 per yearProgressive: $3,439 per yearState Farm: $3,794 per yearA DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseSouthern Farm Bureau$2,121$2,684$56327%Progressive$3,065$3,439$37412%State Farm$3,570$3,794$2246%Safeway Insurance$3,191$4,207$1,01632%Auto Club Enterprises (AAA)$3,473$4,719$1,24636%GEICO$2,983$6,385$3,402114%Farmers$3,002$7,270$4,268142%USAA*$1,973$3,177$1,20461% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in LouisianaFull coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Louisiana is $988 more than the national average car insurance rates in the U.S.There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.What is full coverage car insurance in Louisiana?Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.In Louisiana, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.Final thoughtsWhile it’s common to look for ways to lower your car insurance premium, cutting corners on coverage could end up costing you much more in the long run.Before purchasing an auto insurance policy, consider your specific needs to ensure you’re adequately covered. Since insurance rates can vary, it’s a good idea to compare quotes from multiple companies to find the right policy in Louisiana.MethodologyInsure.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 violation 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 applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow moreShivani GiteContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in LouisianaHow we choose the cheapest car insurance companies in LouisianaCheapest ZIP codes for car insurance in LouisianaCheapest car insurance in Louisiana by ageCheapest car insurance in Louisiana by driver historyAverage car insurance cost in LouisianaFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330