Fact CheckedThe cheapest car insurance in Louisiana, at a glance
NerdWallet’s editorial team analyzed rates from 10 car insurance companies in Louisiana to find which ones are cheapest for different drivers and coverage amounts.
Coverage type
Full coverage | Louisiana Farm Bureau, $283 per month
Minimum coverage | GEICO, $57 per month
Driving record
Speeding ticket | Louisiana Farm Bureau, $309 per month
At-fault accident | Louisiana Farm Bureau, $338 per month
DUI | Louisiana Farm Bureau, $321 per month
Driver age
Young drivers | Louisiana Farm Bureau, $426 per month
Millennial drivers | GEICO, $288 per month
Gen X drivers | Louisiana Farm Bureau, $258 per month
Senior drivers | Louisiana Farm Bureau, $287 per month
Credit-based insurance score
Good credit | Louisiana Farm Bureau, $283 per month
Poor credit | GEICO, $419 per month
These are median rates. For details on how our sample driver’s insurance coverage, driving record, age and credit score change throughout this analysis, check out our methodology.
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Cheapest car insurance in Louisiana by coverage type
Your car insurance rates depend in part on how much coverage you have. More insurance means higher rates, but it also means that you’d have more coverage in case something goes wrong.
The best way to find the insurer with the lowest price for the coverage you need is to compare quotes from multiple companies. In a state like Louisiana where the cost of car insurance can be high, shopping around could help you avoid paying more than you have to for coverage.
Louisiana Farm Bureau has the cheapest car insurance in Louisiana for full coverage, with an average rate of $283 per month or $3,396 per year.
If you have an auto loan or lease, you’ll likely be required to have full coverage. A full coverage policy combines the basic insurance that Louisiana requires with comprehensive and collision coverage. Comprehensive and collision cover damage to your car from most sources, including crashes, flooding and theft.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Louisiana Farm Bureau | $3,396 | $283 |
| GEICO | $3,451 | $288 |
| State Farm | $4,658 | $388 |
| Auto Club of SoCal | $4,840 | $403 |
| Farmers | $4,844 | $404 |
GEICO has the cheapest car insurance in Louisiana for minimum coverage, with an average rate of $57 per month or $679 per year.
Louisiana requires just liability insurance to drive legally, but most people need more coverage. Liability insurance pays for the injuries and damage you cause to other people. If you’re responsible for an accident, you would have to pay for your car's damage by yourself.
Most people need more liability insurance than what Louisiana requires, too. After a serious accident, a car insurance policy with the minimum amount of liability insurance could leave you stuck with tens of thousands of dollars in medical and legal bills.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $679 | $57 |
| Louisiana Farm Bureau | $747 | $62 |
| Auto Club of SoCal | $1,032 | $86 |
| State Farm | $1,086 | $91 |
| Allstate | $1,307 | $109 |
These are median rates for 35-year-old drivers, according to our October 2025 analysis.
- Minimum car insurance requirements in Louisiana
Louisiana drivers are required to carry liability insurance, which covers others’ injury treatment and property damage after crashes you cause.
The minimum limits you must buy are:
$15,000 bodily injury liability per person.
$30,000 bodily injury liability per accident.
$25,000 property damage liability per accident.
Although this will be enough to drive legally, experts recommend getting more than the bare minimum to avoid paying out of pocket after serious crashes. You may also want optional coverage such as collision, comprehensive and uninsured motorist coverage.
Check out NerdWallet’s guide to car insurance requirements by state for more information on how these coverage options work and what makes sense for your policy.
» MORE: Best car insurance in Louisiana
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Cheapest car insurance in New Orleans
If you’re a good driver, the cheapest car insurance in New Orleans is GEICO. But the cheapest insurer in the Big Easy for you may be different depending on your driving history and other personal factors.
Your location plays a major part in determining your car insurance rates. The average cost of insurance can change throughout a state — and even throughout one city — as factors like thefts, accidents and the number of drivers on the road change. For reasons like this, car insurance is often more expensive in cities than in rural parts of a state.
| Category | Cheapest Company | Median annual rate |
|---|---|---|
| Clean driving history | GEICO | $4,857 |
| After a DUI | Louisiana Farm Bureau | $6,254 |
| After an accident | Louisiana Farm Bureau | $6,218 |
| After a speeding ticket | Louisiana Farm Bureau | $5,551 |
| Having poor credit | GEICO | $7,109 |
| Category | Cheapest Company | Median annual rate |
|---|---|---|
| Clean driving history | GEICO | $848 |
| After a DUI | Louisiana Farm Bureau | $1,637 |
| After an accident | Louisiana Farm Bureau | $1,512 |
| After a speeding ticket | Louisiana Farm Bureau | $1,365 |
| Having poor credit | GEICO | $1,249 |
These are median rates for 35-year-old drivers in New Orleans, according to our October 2025 analysis.
Cheapest car insurance in Louisiana by age
Age (or experience behind the wheel) affects what you pay for car insurance. Rates are usually much higher for young, newly licensed drivers than they are for older drivers. While car insurance for teens and other young drivers is most expensive, rates also start to go up for many people in their 70s.
It’s important to regularly compare quotes as you get older. If you shop around before your coverage renews, it's easy to tell whether you’re paying more for car insurance than you have to for someone your age.
- Cheapest for young drivers
Louisiana Farm Bureau has the cheapest car insurance for young drivers in Louisiana, with an average rate of $426 per month or $5,106 per year for full coverage.
It can be hardest for young drivers in their teens and 20s to find affordable coverage, but it’s still possible. Besides comparing rates from multiple companies, try to find insurers that offer car insurance discounts for completing safe driving classes and keeping good grades.
If you’re a parent or guardian of a young driver, it’s often much cheaper to add them to your car insurance than it is to get a standalone policy.
Company Median annual rate Median monthly rate Louisiana Farm Bureau $5,106 $426 GEICO $7,108 $592 Allstate $9,584 $799 Auto Club of SoCal $9,600 $800 State Farm $9,612 $801 Company Median annual rate Median monthly rate Louisiana Farm Bureau $1,560 $130 GEICO $1,612 $134 Safeway $2,294 $191 Allstate $2,534 $211 Auto Club of SoCal $2,588 $216 These are median rates for 20-year-old drivers who get their own standalone policy, according to our October 2025 analysis. A driver who’s added to an existing policy may have cheaper rates.
- Cheapest for millennial drivers
GEICO has the cheapest car insurance for millennials in Louisiana, with an average rate of $288 per month or $3,457 per year for full coverage.
Car insurance is usually cheaper for drivers in their 30s than for teens and drivers in their 20s. If you’re a good driver and don’t drive many miles, you might be able to get lower rates with usage-based car insurance. This type of policy provides the same coverage as standard car insurance, but its cost is based on your driving habits.
Company Median annual rate Median monthly rate GEICO $3,457 $288 Louisiana Farm Bureau $3,648 $304 State Farm $4,701 $392 Farmers $4,933 $411 Auto Club of SoCal $4,942 $412 Company Median annual rate Median monthly rate GEICO $679 $57 Louisiana Farm Bureau $852 $71 Auto Club of SoCal $1,062 $89 State Farm $1,097 $91 Allstate $1,307 $109 These are median rates for 30-year-old drivers, according to our October 2025 analysis.
- Cheapest for Gen X drivers
Louisiana Farm Bureau has the cheapest car insurance for Gen X drivers in Louisiana, with an average rate of $258 per month or $3,097 per year for full coverage.
Insurers generally offer some of the cheapest car insurance compared to any age group to drivers in their 40s and 50s. As you get older, it's a good idea to think about your car insurance needs before buying or renewing a policy. If you drive an older car that’s worth less than what it costs to insure, you may be able to lower your rates by dropping full coverage.
Company Median annual rate Median monthly rate Louisiana Farm Bureau $3,097 $258 GEICO $3,221 $268 Allstate $4,448 $371 Farmers $4,465 $372 State Farm $4,495 $375 Company Median annual rate Median monthly rate GEICO $636 $53 Louisiana Farm Bureau $685 $57 Auto Club of SoCal $970 $81 State Farm $1,048 $87 Allstate $1,158 $97 These are median rates for 50-year-old drivers, according to our October 2025 analysis.
- Cheapest for senior drivers
Louisiana Farm Bureau has the cheapest car insurance for senior drivers in Louisiana, with an average rate of $287 per month or $3,444 per year for full coverage.
You may be able to find cheap car insurance from more than one company in your 60s, as long as you have a good driving record and credit history. That said, car insurance rates for senior-age drivers are usually more expensive once you’re in your 70s.
Company Median annual rate Median monthly rate Louisiana Farm Bureau $3,444 $287 GEICO $3,537 $295 Farmers $4,199 $350 Allstate $4,448 $371 State Farm $4,656 $388 Company Median annual rate Median monthly rate GEICO $797 $66 Louisiana Farm Bureau $852 $71 Auto Club of SoCal $1,114 $93 Allstate $1,158 $97 State Farm $1,164 $97 These are median rates for 70-year-old drivers, according to our October 2025 analysis.
Cheapest car insurance in Louisiana by driving record
Car insurance often gets more expensive if you have a driving violation on your record. But while you might be considered a high-risk driver by some insurers, there may still be companies that offer you relatively low rates. What you pay will depend on the violation and other personal details.
- Cheapest after a speeding ticket
Louisiana Farm Bureau has the cheapest car insurance in Louisiana after a speeding ticket, with an average rate of $309 per month or $3,702 per year for full coverage.
A speeding ticket can raise your car insurance rates, but it depends on the insurance company and your driving history. The good news is that a speeding ticket may have less of an effect on your rates than other driving violations.
Company Median annual rate Median monthly rate Louisiana Farm Bureau $3,702 $309 Allstate $5,181 $432 State Farm $5,218 $435 GEICO $6,337 $528 Farmers $6,508 $542 Company Median annual rate Median monthly rate Louisiana Farm Bureau $862 $72 State Farm $1,199 $100 GEICO $1,262 $105 Allstate $1,485 $124 Safeway $1,600 $133 Rates refreshed October 2025.
- Cheapest after an at-fault accident
Louisiana Farm Bureau has the cheapest car insurance in Louisiana after an at-fault accident, with an average rate of $338 per month or $4,057 per year for full coverage.
Most people will pay higher car insurance rates after an accident. Depending on how severe the crash was and your insurer, your rates could get cheaper after three to five years — as long as you avoid any more accidents.
Company Median annual rate Median monthly rate Louisiana Farm Bureau $4,057 $338 State Farm $5,592 $466 Allstate $5,987 $499 GEICO $6,379 $532 Auto Club of SoCal $7,602 $634 Company Median annual rate Median monthly rate Louisiana Farm Bureau $951 $79 GEICO $1,303 $109 State Farm $1,352 $113 Allstate $1,874 $156 Auto Club of SoCal $1,932 $161 Rates refreshed October 2025.
- Cheapest after a DUI
Louisiana Farm Bureau has the cheapest car insurance in Louisiana after a DUI, with an average rate of $321 per month or $3,853 per year for full coverage.
The difference in the cost of car insurance after a DUI can be significant. While the average cost of car insurance in Louisiana is $4,299 for someone with a clean driving record, rates following a DUI jump to $6,507 for that same driver. This makes it even more important to compare quotes before buying a policy.
Company Median annual rate Median monthly rate Louisiana Farm Bureau $3,853 $321 Allstate $5,733 $478 State Farm $6,351 $529 Auto Club of SoCal $7,059 $588 Progressive $8,319 $693 Company Median annual rate Median monthly rate Louisiana Farm Bureau $975 $81 State Farm $1,657 $138 Auto Club of SoCal $1,752 $146 Allstate $1,951 $163 Safeway $2,106 $176 Rates refreshed October 2025.
If you’ve tried and can’t find car insurance on your own, you might be able to get coverage through the Louisiana Automobile Insurance Plan (LAIP). The LAIP helps by matching drivers who have had trouble getting coverage with an insurance company.
Cheapest car insurance in Louisiana by credit history
GEICO has the cheapest car insurance in Louisiana for drivers with poor credit, with an average rate of $419 per month or $5,025 per year for full coverage.
Like most states, Louisiana doesn’t prevent insurers from considering your credit-based insurance score when setting rates. This isn’t the same as the credit score you’re probably more familiar with. But if you can improve your credit, it could help make your car insurance cheaper.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $5,025 | $419 |
| Louisiana Farm Bureau | $5,977 | $498 |
| Allstate | $6,234 | $520 |
| Farmers | $11,782 | $982 |
| Progressive | $11,889 | $991 |
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $999 | $83 |
| Louisiana Farm Bureau | $1,274 | $106 |
| Allstate | $1,490 | $124 |
| Safeway | $1,528 | $127 |
| Safe Auto | $1,799 | $150 |
Cheapest car insurance in Louisiana for military families
USAA
- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
USAA is only available to a few groups of people, including active and retired members of the military, their families and employees of some federal agencies. Because of that restriction, USAA isn't ranked with the other insurers.
But if you’re eligible for coverage, it’s worth considering. It was among the cheapest three auto insurance options for 65 of the 70 driver profiles we examined.
METHODOLOGY
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2022 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
