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The cheapest car insurance in Louisiana can be found with Southern Farm Bureau for an average of about $41 per month or $492 per year.
Best Car Insurance In Louisiana
Our Guides team took a close look at cheap car insurance in Louisiana. Through our research into the best auto insurance companies, we found the cheapest auto insurance companies in Louisiana that have the best coverage and overall ratings.
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In this article, we’ll show you the cheapest auto insurance plans in Louisiana based on different coverage and driving profiles. Information about specific state laws and regulations regarding automobile insurance is also provided.
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The Guide team is committed to providing reliable information to help you make the best decision about refueling your car. Because consumers rely on us to provide objective and accurate information, we developed a comprehensive rating system to create our ranking of the best auto insurance companies. We collected data on several car insurance providers to rank these companies on multiple levels. After 800 hours of analysis, the final result is an overall ranking for each provider, with insurers receiving the highest ratings on the list.
Although car insurance rates in Louisiana are higher than the national average, there are still many options for affordable car insurance.
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In the following section we will inform you about the cheapest car insurance and the cheapest car insurance providers based on the insurance options.
Currently, Southern Farm Bureau, USAA, State Farm, and Safeway Insurance are the cheapest auto insurance companies in the state of Louisiana. The table below breaks down the coverage and cost levels for each company:
*Our research team takes national factors into account when assigning ratings to providers. The ranking of providers in this table is specific to car insurance in Louisiana.
Prices are calculated differently for each company, so your rate may vary depending on where you get your insurance. With this in mind, we recommend that you browse and compare provider references to find the best car insurance coverage for you.
The Best Cheap Car Insurance In Louisiana In 2022
The amount of coverage you choose will have a big impact on the car insurance rate you are offered. Most premium plans offered by these providers typically include minimum and maximum car insurance coverage offers. In Louisiana, drivers are only required to have minimum insurance. However, our team recommends that you still consider comprehensive insurance. Although it is expensive, the safety it offers is more than worth it for many drivers.
The minimum coverage in Louisiana is affordable through Southern Farm Bureau with a plan of $41 per month or $492 per year. Southern Farm Bureau, USAA, Geico and State Farm offer the cheapest rates on average. Our average shows that good drivers pay about $77 per month or $925 per year for minimum liability insurance.
Our average is that the cheapest comprehensive insurance in Louisiana is available from Southern Farm Company for about $160 per month. Below are the providers with the lowest rates for comprehensive car insurance in the states.
Depending on your age, driving history, or credit score, your rates can vary greatly. Here we will break down the cheapest car insurance for each of these points.
Best Car Insurance For Teens And Young Drivers Of October 2023
Car insurance companies tend to charge higher rates for young drivers than for older drivers. The table below compares the cheapest car insurance companies for each youth leader group.
16-year-olds in Louisiana can find affordable car insurance through USAA, State Farm and the Louisiana Farm Bureau. Car insurance in Louisiana is cheaper for 16 year olds than any other age group.
17-year-olds in Louisiana can find average car insurance rates starting at $327 per month with USAA or $341 per month with Southern Farm Company.
On average, 18-year-olds in Louisiana find the cheapest car insurance rates at USAA, Southern Farm Bureau and State Farm.
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In Louisiana, 21-year-old drivers with good driving records can find lower rates with USAA, Geico and Southern Farm Bureau. On average, 21-year-old drivers pay less than drivers in their youth.
Other factors like recent car accidents, speeding tickets, and even your credit score can affect what you pay for car insurance in Louisiana.
Cheap car insurance rates start at $179 per month or $2,148 per year at the Farmers Market. Drivers in Louisiana with speeding tickets in their driving history will see their car insurance premiums go up. The cost of car insurance in Louisiana for drivers with speeding violations is $3,712 per year.
Cheap car insurance for drivers with recent accidents from Southern Farm Bureau, State Farm and USAA. Car insurance costs are increasing for drivers who have recently been involved in an at-fault accident. Louisiana car insurance premiums rise to an average of $4,423 per year for drivers with a past accident.
Cheapest Car Insurance In Louisiana (october 2023)
Cheap DUI car insurance from Southern Farm Bureau, State Farm and USAA. A driving under the influence violation will cause your car insurance premiums to increase significantly. Drivers with a DUI on their record pay an average of $4,695 per year for car insurance in Louisiana.
The cheapest car credit insurance is offered by Southern Farm Bureau, USAA and Safeway Insurance. If you have bad credit, car insurance in Louisiana is astronomically more expensive than for people with good credit. Louisiana drivers with bad credit pay an average of $5,632 per year for insurance.
Many car insurance companies offer different types of car insurance premiums and deals for drivers in Louisiana. The table below shows the car insurance discounts from the best car insurance companies, which we explain in detail in the next section.
*These are the standard car insurance premiums offered by each company. Insurance coverage may vary by state. Therefore, speak to an insurance agent to find out how much car insurance you may qualify for.
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Louisiana drivers who take advantage of available auto insurance discounts could see their premiums significantly reduced. If you want to get car insurance, look for companies that offer you the best rates. You can also ask your current provider what discounts might be available that you may not know about.
For those interested in learning more about the best auto insurance companies in Louisiana, we’ve broken down the coverage and ratings for each company below:
Founded in 1946, Southern Farm Bureau has been providing premium insurance products for over 75 years. It’s our research group’s top choice for Louisiana drivers because of its affordable car insurance rates, premium coverage, and added value, such as a deductible compensation program. To get coverage, you must be a Farm Bureau member, but joining is easy.
USAA received the highest rating from our members in our nationwide survey of the best auto insurance companies. It is also a great choice for car insurance in Louisiana due to its affordable prices and excellent customer service. It offers some of the lowest and most average rates for many types of drivers in Louisiana. USAA coverage is only available to military members, veterans and their families, but can be an attractive option for those who qualify.
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As the largest insurance company in the United States, State Farm has a strong reputation in the industry and is another good choice for reliable insurance. It is also known for its wide range of car insurance discounts, especially for students and drivers, which can help you save on your policy.
If you’re looking for quality insurance from a local provider, Safeway Insurance may be a good choice for car insurance in Louisiana. Although the provider’s rates aren’t as cheap as some competitors’ rates, Safeway still offers the lowest prices in the state, especially for people with bad credit.
The cost of comprehensive car insurance in Louisiana is approximately $253 per month or $3,040 per year. This is about 51% more expensive than the national average of $2,008 per year for people with a clean driving record. According to our research, Louisiana is one of the top five most expensive states for car insurance.
In Louisiana, teenagers with their own policies can pay four times what an older driver pays for car insurance. Below you can see the average cost of comprehensive insurance for drivers of different ages.
Best Car Insurance In Louisiana 2023
While Louisiana car insurance rates are high statewide, rates vary depending on where you live. For example, people who live in rural areas pay more for insurance than people who live in the New Orleans area.
Like most states, Louisiana has minimum insurance requirements that all drivers must carry. According to the Louisiana Department of Insurance