CheapInsurance.com has put together information, quote comparisons, and expert tips to help you find cheap car insurance in Louisiana. When people think of Louisiana, they think of alligators, jazz music, and the Mardi Gras festival.

Louisiana is famous for its swamps, which are large areas of wetland that house a variety of plant and animal life.

The most famous swamp in Louisiana is the Atchafalaya Basin, which covers more than 1 million acres and is home to alligators, turtles, snakes, fish, and many bird species.

Whether you are driving to the swamps, the famous World War II museum in New Orleans, or to celebrate life at the Mardi Gras, the state of Louisiana requires all drivers to have car insurance.

Bayou Breezes & Insurance Updates: Navigating Louisiana Roads in 2024

Gear up for Louisiana’s vibrant culture and breathtaking landscapes with these key updates for 2024:

Louisiana Vehicle Code Changes:

  • Electronic vehicle (EV) charging infrastructure expansion: New programs and investments aim to significantly increase EV charging stations across the state. Stay informed through the Louisiana Department of Natural Resources. (Source: Louisiana Department of Natural Resources)
  • Motor vehicle registration renewal reminder: Electronic reminders will now be sent directly to drivers approaching renewal dates. (Source: Louisiana House Bill 833)
  • Increased penalties for driving under the influence (DUI): Expect harsher fines and potential vehicle impoundment for repeat DUI offenses. (Source: Louisiana Revised Statutes Title 14)

Remember: These are just highlights, and other changes may apply. Visit the Louisiana Office of Motor Vehicles website for complete information. (Source: Louisiana Office of Motor Vehicles)

Average Auto Insurance Rates in Louisiana (2024):

(Sources: The Zebra, ValuePenguin)

CompanyFull CoverageMinimum Coverage
State Farm$3,226$445
GEICO$3,104$398
Progressive$3,352$381
Farmers$3,497$424
Liberty Mutual$3,586$453

Remember: Individual rates in Louisiana can vary significantly based on driving history, location, flood zone, and desired coverage.

We have found that on average, the cost of a minimum liability car insurance policy in Louisiana is $279.20 per month.

To help you find the best deals on auto insurance in the state, we’ve compared quotes from car insurers in these Louisiana parishes:

  • East Baton Rouge Parish.
  • Jefferson Parish.
  • Orleans Parish.
  • St. Tammany Parish.
  • Lafayette Parish.

Since the cost of auto insurance is dependent on your individual driving profile, we’ve gone a step further and compared the cost of Louisiana car insurance rates for these types of drivers:

  • Good drivers (those with a clean driving record).
  • Young drivers (those aged between 16 and 25).
  • Bad drivers (those with a history of traffic violations).

Is It Legal to Drive without Car Insurance in Louisiana?

You must have auto insurance in Louisiana. Drivers must maintain an insurance policy and carry proof of insurance with them at all times.

Louisiana drivers who are caught without car insurance, must pay $100 for a first offense, $250 for a second offense, and up to $700 for further offenses.

In addition to the fine, you may have your driving privileges revoked.

Your vehicle may be impounded, and your license plates and car registration could be canceled for 180 days.

You may even lose your driving privileges for 12 to 18 months if you falsely claim that you have insurance.

Minimum Liability Insurance in Louisiana

Minimum liability car insurance is an insurance policy that provides financial protection for a driver who harms someone else or their property while driving.

Minimum coverage car insurance only covers injuries or damages to third parties and their property—not to the driver or the driver’s property, which may be separately covered by other parts of their policy.

Liability insurance is the least amount of auto insurance coverage you must have to pay for any damages you cause and it includes:

  • Bodily injury liability coverage which covers other people’s physical damages in an accident.
  • Property damage liability coverage which covers damages to the other driver’s property.

The minimum liability coverage that you must carry is based on your state’s laws. With minimum coverage car insurance, drivers often pay much cheaper auto insurance premiums.

We have found that on average, the cost of minimum liability coverage car insurance in Louisiana is $259.61 per month.

According to our research, Geico provides the cheapest minimum liability car insurance rates in Louisiana, with average monthly auto insurance premiums of just $220.43.

Cheapest Minimum Liability Car Insurance in Louisiana
ProviderEast Baton Rouge ParishJefferson ParishOrleans ParishSt. Tammany ParishLafayette ParishAverage
Bristol West$310.00$333.00$425.00$293.00$269.00$326.00
Progressive$222.00$253.00$293.00$210.00$184.00$232.40
Geico$203.31$253.70$250.55$207.21$187.38$220.43

Find Cheap Comprehensive Car Insurance in Louisiana

Comprehensive insurance, also referred to as full coverage car insurance, is coverage that helps pay to replace or repair your vehicle if it’s stolen or damaged in an incident that’s not a collision.

Full coverage insurance, sometimes called “other than collision” coverage, typically covers damage from fire, vandalism, or falling objects (like a tree or hail).

If you’re financing or leasing your car, your lender likely requires comprehensive coverage.

Although full coverage insurance is optional in Louisiana, it’s worth taking out if you don’t have savings that can cover damage to your vehicle in the following scenarios:

  • Theft or theft of parts.
  • Non-crash damage (e.g. natural disasters, flooding).
  • Broken windshield.
  • Car damage from hitting an animal.

Repairing car damage can cost thousands of dollars.

Without comprehensive car insurance, you risk finding yourself in a situation where you can’t drive your car because you can’t afford to get it repaired.

We found that the cheapest average for full coverage car insurance in Louisiana is $402.67.

Geico provides the cheapest full coverage auto insurance rates in Louisiana, with average car insurance premiums of just $350.62 per month.

Cheapest Full Coverage Insurance in Louisiana
ProviderEast Baton Rouge ParishJefferson ParishOrleans ParishSt. Tammany ParishLafayette ParishAverage
Bristol West$454.00$551.00$617.00$416.00$365.00$480.60
Progressive$361.00$424.00$470.00$337.00$292.00$376.80
Geico$316.81$411.60$405.73$328.93$290.03$350.62

Cheap Car Insurance in Louisiana for Drivers with Clean Driving Records

Good drivers (drivers with a clean driving record) are in a good position to find cheap car insurance. Auto insurance companies consider good drivers to be people who:

  • Have not been the cause of any car accidents.
  • Have no traffic offenses.
  • Have a good credit score.
  • Have no speeding tickets.
  • Have no reckless driving charges.
  • Have no DUI convictions.

As an incentive, many auto insurance companies offer a good driver discount on your car insurance rates, saving you more money.

Some car insurance companies will offer an additional discount if you have completed an accredited defensive driving course. 

We’ve looked at the average car insurance rates offered by auto insurance companies in Louisiana for good drivers.

The cheapest car insurance rates for good drivers are offered by Geico, with average premiums of $308.14 per month.

Cheapest Car Insurance for Good Drivers in Louisiana
ProviderEast Baton Rouge ParishJefferson ParishOrleans ParishSt. Tammany ParishLafayette ParishAverage
Bristol West$374.00$441.00$506.00$347.00$295.00$392.60
Progressive$286.00$330.00$373.00$268.00$233.00$392.60
Geico$279.21$357.92$353.03$287.74$262.79$308.14

Cheap Car Insurance in Louisiana for High-Risk Drivers

Drivers with incidents on their record—such as an at-fault accident or a DUI (driving under the influence) citation—often pay higher insurance rates.

The reason for this is that insurance companies believe these drivers are more likely to make future claims against their auto insurance policy.

Some of the offenses that may lead to someone being considered a high-risk driver include:

  • Reckless driving.
  • Speeding tickets.
  • Being found at-fault in a major accident.
  • Having too many points on your driving record.
  • Driving without meeting the minimum liability coverage requirements.
  • A poor credit rating.

How Does My Credit Rating Affect the Auto Insurance Premiums I Will Have to Pay?

Your credit score affects your risk profile in most states, even though it has nothing to do with your ability to drive safely.

Drivers with a poor credit score are seen as being more of a risk and they are likely to pay a lot more on their insurance policy.

On average, Louisiana drivers with poor credit pay more per year than those with good credit ratings.

We’ve done the hard work of comparing car insurance quotes from various insurers to help you find the best rate.

The cheapest car insurance for high-risk drivers is Geico, with average rates of $230.23 per month.

Cheapest Auto Insurance for Bad Drivers in Louisiana
ProviderEast Baton Rouge ParishJefferson ParishOrleans ParishSt. Tammany ParishLafayette ParishAverage
Bristol West$453.00$572.00$800.00$480.00$585.00$578.00
Progressive$355.00$400.00$459.00$210.00$292.00$343.20
Geico$212.57$264.47$261.23$216.60$196.28$230.23

Cheapest Car Insurance in Louisiana for Young Drivers

Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates compared to more mature drivers.

A full coverage policy is recommended for teen drivers if they can afford it.

Teens tend to get into accidents more often than adult drivers, so they’re more likely to benefit from having repairs on their car covered.

A minimum coverage policy, though it’s much cheaper, could ultimately cost more if a teen gets into a serious accident and has to pay for repairs completely out-of-pocket.

Good student and driver safety course discounts can help young drivers reduce their rates, as can staying on a parent’s policy for as long as possible.

On average, most drivers will see their rates drop as they get older with a significant decrease once they turn 25 years old.

We’ve compared the cost of car insurance for young drivers to help you save on auto insurance costs.

The cheapest average car insurance for young drivers is Geico at $222.12 per month.

Cheapest Car Insurance for Young Drivers in Louisiana
ProviderEast Baton Rouge ParishJefferson ParishOrleans ParishSt. Tammany ParishLafayette ParishAverage
Progressive$317.00$291.00$347.00$252.00$229.00$287.20
Bristol West$515.00$595.00$704.00$489.00$445.00$549.60
The GeneralN/AN/ANA/$581.00$542.00$561.50
Geico$210.12$250.67$248.08$207.94$193.80$222.12

Need Cheap Auto Insurance in Other States?

Out-of-state insurance is illegal in almost all U.S. states and is considered to be insurance fraud.

This means that your car insurance must be registered in the state you live in. Some of the penalties for committing insurance fraud include:

  • Up to five years in prison.
  • A $50,000 fine.

If you plan to move from Louisiana, you will need to find a new car insurance company in the state you move to.

You will usually have a 90-day grace period to cancel your car insurance and get car insurance in your new state.

To find the best insurance rates in other U.S. states, read our articles below:

Top Tips for Finding Affordable Car Insurance

Take Note of Lender Requirements

If your car is financed or leased, your lender is likely to require that you have liability insurance, comprehensive coverage, and collision insurance.

Full coverage car insurance protects your lender if you’re in a car accident or your car is stolen, and you can no longer afford to meet your monthly payments.

Compare Quotes from Different Car Insurance Companies

Even if you think you’ve found a good deal on car insurance, it’s always a good idea to shop around for a lower rate.

The only way to be completely certain that you’re getting the best rates on your car insurance is to compare prices from multiple insurers.

You can do this yourself, but it is time-consuming. You’ll need to phone each auto insurance company or fill out an online form for them to give you a quote.

To save time, you can go through a licensed insurance agent or compare quotes from different insurance providers by using our online quote finder.

Top Car Insurance Companies in Louisiana

The General

The General is an auto insurance provider that operates in multiple states across the U.S.

The company was originally founded in 1963 and specializes in car insurance coverage for high-risk drivers.

The General Automobile is a subsidiary of PGC Holdings Corporation (PGC) which is an affiliate of American Family Insurance.

PGC has been writing automobile insurance in many states throughout the country for nearly 60 years.

It’s a leader in the low-cost auto insurance field and has a Better Business Bureau (BBB) Rating of A+.

Get the best deal with a free quote.

Bristol West

Founded in 1973, Bristol West’s national footprint makes it one of the top ten biggest insurance companies in the U.S.

Bristol West was originally created to provide high-risk drivers with affordable insurance policies and has since expanded its services to all types of drivers.

Some of the benefits offered by Bristol West include:

  • Multiple policy bundling discounts.
  • Personalized car insurance policies.
  • Rideshare coverage.
  • Medical payments.
  • Gap coverage.
  • Towing and roadside assistance.
  • Rental car reimbursement.

Let us help you with a personalized and free quote.

Car Insurance in Louisiana FAQs

Is Louisiana a no-fault state?

No, Louisiana is an “at-fault” state, meaning that if you are hurt in a car accident you can recover costs from the driver who caused the accident.

In an at-fault state, drivers are financially responsible for any accident they cause.

What is minimum liability insurance in Louisiana?

Under Louisiana law, you must carry the following liability coverage on any automobile you own:

  • $15,000 for bodily injury to one person.
  • $30,000 for bodily injury to more than one person in a single accident.
  • $25,000 coverage for damage to someone else’s vehicle or other property.

What car insurance discounts are available in Louisiana?

You can get car insurance discounts in Louisiana based on how you drive, the car you own, and your relationship with your insurance company.

In Louisiana, car insurance companies consider factors such as your credit rating and where you live when setting premiums.

What is the best auto insurance company in Louisiana?

The best auto insurance company in Louisiana varies for everyone based on their individual preferences and circumstances.

If you’re looking for the lowest premium, you may want to get quotes from a number of car insurance companies, find out what discounts they offer, and compare the rates.

If you’re looking for companies offering the best customer satisfaction, you may want to spend extra time researching customer satisfaction scores and customer reviews.

An independent or exclusive insurance agent may be able to help you find the best provider for you and your family.

How can I lower my auto insurance rates in Louisiana?

If you’re looking to lower your auto insurance rates in Louisiana, you may want to look into the discounts that apply to you.

For instance, several car insurance carriers in Louisiana offer programs that track your driving in real time and offer discounts for safe driving practices.

Your car insurance company may also lower your car insurance premium if you complete a safe driving course.

The best way to find out how to lower your premium is to talk to your insurance agent.

How Do I Find Cheap Car Insurance in Louisiana?

It’s essential to shop around for policy options to help you identify cheap coverage for your needs. The best car insurance companies may not cater to your particular needs.

Let us help you find the most affordable rates.