Key Takeaways: The Cheapest Car Insurance in Louisiana

  • Safeway has the overall cheapest car insurance in Louisiana across a variety of driving records, based on the companies in our analysis.
  • Southern Farm Bureau and Safeway have the overall cheapest car insurance in Louisiana for good drivers, based on the companies in our analysis.
  • Louisiana ranks 15th in our analysis of “The Riskiest States To Drive In,” due in part to having the seventh highest number of drunk drivers involved in fatal car accidents (14.34 per 100,000 licensed drivers) and the seventh lowest percentage of road miles in acceptable condition (71.5%).
  • Louisiana also has the second highest average car insurance premium ($3,545 annually), further reflecting its risky driving environment.

    • The Cheapest Car Insurance Companies in Louisiana for Good Drivers

    Cheapest for... Company Average monthly cost in Louisiana
    Safeway
    $398
    $257
    Southern Farm Bureau
    $245
    Southern Farm Bureau
    $217
    Southern Farm Bureau
    $220
    Safeway
    $239
    80-year-olds
    Safeway
    $239
    Average rates are based coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
    Source: Quadrant Information Services.
    *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

    Cheap Car Insurance for 20-Year-Olds in Louisiana

    Young drivers in Louisiana can face very high insurance rates, especially if the teen isn’t on a parent’s auto insurance policy. In Louisiana, these insurers had the cheapest car insurance according to our evaluation.

    Cheapest Full Coverage Car Insurance for 20-Year-Olds in Louisiana

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Safeway: $398 a month
    2. Southern Farm Bureau: $431 a month
    3. Geico: $524 a month
    4. Progressive: $580 a month
    5. State Farm: $643 a month

    Cheapest Minimum Coverage for 20-Year-Olds in Louisiana

    If you’re looking for only the minimum auto insurance in Louisiana, check quotes from these companies.

    1. Geico: $138 a month
    2. Southern Farm Bureau: $145 a month
    3. Progressive: $145 a month
    4. Safeway: $182 a month
    5. State Farm: $185 a month

    Cheapest Auto Insurance for 20-Year-Olds in Louisiana With Poor Credit

    Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

    1. Safeway: $398 a month
    2. Geico: $802 a month
    3. Southern Farm Bureau: $829 a month
    4. Safe Auto: $855 a month
    5. Allstate: $974 a month

    Cheapest Auto Insurance for 20-Year-Olds in Louisiana With a Speeding Ticket

    Brace yourself for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Louisiana for drivers with a speeding ticket.

    1. Safeway: $407 a month
    2. Southern Farm Bureau: $452 a month
    3. Geico: $684 a month
    4. Progressive: $694 a month
    5. State Farm: $709 a month

    Cheapest Car Insurance in Louisiana for 20-Year-Olds With an At-Fault Accident

    Below are the cheapest companies we found for Louisiana drivers who caused an accident that injured someone else.

    1. Southern Farm Bureau: $496 a month
    2. Safeway: $496 a month
    3. State Farm: $747 a month
    4. Progressive: $759 a month
    5. Safe Auto: $805 a month

    Cheapest Auto Insurance for 20-Year-Olds in Louisiana After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Louisiana who have a DUI conviction.

    1. Southern Farm Bureau: $482 a month
    2. Safeway: $531 a month
    3. State Farm: $709 a month
    4. Progressive: $744 a month
    5. Safe Auto: $805 a month

    Cheap Car Insurance for 30-Year-Olds in Louisiana

    Drivers age 30 in Louisiana can find steep insurance rates depending on their driving record. Here’s a look at the cheapest companies for a variety of common driving records.

    Cheapest Full Coverage Car Insurance for 30-Year-Olds in Louisiana

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Southern Farm Bureau: $257 a month
    2. Safe Auto: $294 a month
    3. Safeway: $302 a month
    4. Geico: $312 a month
    5. Progressive: $319 a month

    Cheapest Minimum Coverage for 30-Year-Olds in Louisiana

    If you’re looking for only the required auto insurance in Louisiana, check prices from these companies.

    1. Progressive: $63 a month
    2. Geico: $73 a month
    3. Southern Farm Bureau: $77 a month
    4. State Farm: $90 a month
    5. Allstate: $121 a month

    Cheapest Auto Insurance for 30-Year-Olds in Louisiana With Poor Credit

    Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

    1. Safeway: $302 a month
    2. Safe Auto: $405 a month
    3. Geico: $476 a month
    4. Southern Farm Bureau: $504 a month
    5. Progressive: $576 a month

    Cheapest Auto Insurance for 30-Year-Olds in Louisiana With a Speeding Ticket

    Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Louisiana for drivers with a speeding ticket.

    1. Southern Farm Bureau: $269 a month
    2. Safeway: $308 a month
    3. Safe Auto: $369 a month
    4. State Farm: $405 a month
    5. Progressive: $416 a month

    Cheapest Car Insurance in Louisiana for 30-Year-Olds With an At-Fault Accident

    Below are the cheapest companies we found for Louisiana drivers who caused an accident that injured someone else.

    1. Southern Farm Bureau: $295 a month
    2. Safeway: $372 a month
    3. Safe Auto: $410 a month
    4. State Farm: $424 a month
    5. Progressive: $506 a month

    Cheapest Auto Insurance for 30-Year-Olds in Louisiana After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Louisiana who have a DUI conviction.

    1. Southern Farm Bureau: $287 a month
    2. Safeway: $398 a month
    3. State Farm: $405 a month
    4. Safe Auto: $410 a month
    5. Progressive: $449 a month

    Cheap Car Insurance for 40-Year-Olds in Louisiana

    Louisiana drivers age 40 can typically save substantial money by comparing costs from multiple insurers. We looked at which insurers offer the lowest quotes in Louisiana, depending on your driving record.

    Cheapest Full Coverage Car Insurance for 40-Year-Olds in Louisiana

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Southern Farm Bureau: $245 a month
    2. Safe Auto: $275 a month
    3. Safeway: $283 a month
    4. Progressive: $297 a month
    5. Geico: $310 a month

    Cheapest Minimum Coverage for 40-Year-Olds in Louisiana

    If you’re looking for only the required auto insurance in Louisiana, check prices from these companies.

    1. Progressive: $54 a month
    2. Geico: $69 a month
    3. Southern Farm Bureau: $72 a month
    4. State Farm: $91 a month
    5. Safeway: $113 a month

    Cheapest Auto Insurance for 40-Year-Olds in Louisiana With Poor Credit

    Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

    1. Safeway: $283 a month
    2. Safe Auto: $363 a month
    3. Geico: $472 a month
    4. Southern Farm Bureau: $484 a month
    5. Progressive: $541 a month

    Cheapest Auto Insurance for 40-Year-Olds in Louisiana With a Speeding Ticket

    Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Louisiana for drivers with a speeding ticket.

    1. Southern Farm Bureau: $255 a month
    2. Safeway: $288 a month
    3. Safe Auto: $367 a month
    4. Progressive: $392 a month
    5. State Farm: $398 a month

    Cheapest Car Insurance in Louisiana for 40-Year-Olds With an At-Fault Accident

    Below are the cheapest insurers we found for Louisiana drivers who caused an accident that injured someone else.

    1. Southern Farm Bureau: $279 a month
    2. Safeway: $348 a month
    3. Safe Auto: $411 a month
    4. State Farm: $416 a month
    5. Progressive: $478 a month

    Cheapest Auto Insurance for 40-Year-Olds in Louisiana After a DUI

    Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Louisiana who have a DUI conviction.

    1. Southern Farm Bureau: $269 a month
    2. Safeway: $372 a month
    3. State Farm: $390 a month
    4. Safe Auto: $411 a month
    5. Progressive: $423 a month

    Cheap Car Insurance for 50-Year-Olds in Louisiana

    Louisiana drivers in their 50s are enjoying the lowest rates they’ll get based on age. But a spotty driving record can make cheap car insurance harder to find.

    Cheapest Full Coverage Car Insurance for 50-Year-Olds in Louisiana

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Southern Farm Bureau: $217 a month
    2. Safeway: $237 a month
    3. Safe Auto: $247 a month
    4. Progressive: $272 a month
    5. Geico: $290 a month

    Cheapest Minimum Coverage for 50-Year-Olds in Louisiana

    If you’re looking for only the minimum auto insurance in Louisiana, check quotes from these companies.

    1. Progressive: $47 a month
    2. Southern Farm Bureau: $63 a month
    3. Geico: $64 a month
    4. State Farm: $90 a month
    5. Safeway: $95 a month

    Cheapest Auto Insurance for 50-Year-Olds in Louisiana With Poor Credit

    Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

    1. Safeway: $237 a month
    2. Safe Auto: $316 a month
    3. Southern Farm Bureau: $428 a month
    4. Geico: $442 a month
    5. Progressive: $498 a month

    Cheapest Auto Insurance for 50-Year-Olds in Louisiana With a Speeding Ticket

    Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Louisiana for drivers with a speeding ticket.

    1. Southern Farm Bureau: $227 a month
    2. Safeway: $242 a month
    3. Safe Auto: $334 a month
    4. Progressive: $364 a month
    5. State Farm: $390 a month

    Cheapest Car Insurance in Louisiana for 50-Year-Olds With an At-Fault Accident

    Below are the cheapest insurers we found for Louisiana drivers who caused an accident that injured someone else.

    1. Southern Farm Bureau: $248 a month
    2. Safeway: $290 a month
    3. Safe Auto: $363 a month
    4. State Farm: $407 a month
    5. Progressive: $452 a month

    Cheapest Auto Insurance for 50-Year-Olds in Louisiana After a DUI

    Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Louisiana who have a DUI conviction.

    1. Southern Farm Bureau: $240 a month
    2. Safeway: $310 a month
    3. Safe Auto: $363 a month
    4. State Farm: $381 a month
    5. Progressive: $399 a month

    Cheap Car Insurance for 60-Year-Olds in Louisiana

    Auto insurance rates often begin to rise around age 65, even if you have a great driving record. We found the cheapest insurers for Louisiana drivers at age 60.

    1. Southern Farm Bureau: $220 a month
    2. Safeway: $239 a month
    3. Safe Auto: $251 a month
    4. Progressive: $252 a month
    5. Geico: $323 a month

    Cheapest Minimum Coverage for 60-Year-Olds in Louisiana

    If you’re looking for only the required auto insurance in Louisiana, check prices from these companies.

    1. Progressive: $44 a month
    2. Southern Farm Bureau: $64 a month
    3. Geico: $73 a month
    4. State Farm: $85 a month
    5. Safeway: $96 a month

    Cheapest Auto Insurance for 60-Year-Olds in Louisiana With Poor Credit

    Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

    1. Safeway: $239 a month
    2. Safe Auto: $320 a month
    3. Southern Farm Bureau: $433 a month
    4. Progressive: $460 a month
    5. Geico: $493 a month

    Cheapest Auto Insurance for 60-Year-Olds in Louisiana With a Speeding Ticket

    Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Louisiana for drivers with a speeding ticket.

    1. Southern Farm Bureau: $230 a month
    2. Safeway: $244 a month
    3. Safe Auto: $340 a month
    4. Progressive: $343 a month
    5. State Farm: $362 a month

    Cheapest Car Insurance in Louisiana for 60-Year-Olds With an At-Fault Accident

    Below are the cheapest options we found for Louisiana drivers who caused an accident that injured someone else.

    1. Southern Farm Bureau: $252 a month
    2. Safeway: $293 a month
    3. Safe Auto: $369 a month
    4. State Farm: $387 a month
    5. Progressive: $429 a month

    Cheapest Auto Insurance for 60-Year-Olds in Louisiana After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Louisiana who have a DUI conviction.

    1. Southern Farm Bureau: $244 a month
    2. Safeway: $312 a month
    3. State Farm: $362 a month
    4. Safe Auto: $369 a month
    5. Progressive: $377 a month

    Cheap Car Insurance for 70-Year-Olds in Louisiana

    Louisiana drivers age 70 are getting higher rates due to age. But relatively cheap auto insurance can still be found by comparing quotes from a few companies.

    Cheapest Full Coverage Car Insurance for 70-Year-Olds in Louisiana

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Safeway: $239 a month
    2. Southern Farm Bureau: $241 a month
    3. Progressive: $264 a month
    4. Safe Auto: $270 a month
    5. Geico: $301 a month

    Cheapest Minimum Coverage for 70-Year-Olds in Louisiana

    If you’re looking for only the minimum auto insurance in Louisiana, check rates from these companies.

    1. Progressive: $53 a month
    2. Southern Farm Bureau: $73 a month
    3. Geico: $73 a month
    4. Safeway: $96 a month
    5. State Farm: $98 a month

    Cheapest Auto Insurance for 70-Year-Olds in Louisiana With Poor Credit

    Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

    1. Safeway: $239 a month
    2. Safe Auto: $344 a month
    3. Geico: $460 a month
    4. Southern Farm Bureau: $473 a month
    5. Progressive: $478 a month

    Cheapest Auto Insurance for 70-Year-Olds in Louisiana With a Speeding Ticket

    Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Louisiana for drivers with a speeding ticket.

    1. Safeway: $244 a month
    2. Southern Farm Bureau: $252 a month
    3. Safe Auto: $366 a month
    4. Progressive: $371 a month
    5. State Farm: $395 a month

    Cheapest Car Insurance in Louisiana for 70-Year-Olds With an At-Fault Accident

    Below are the cheapest companies we found for Louisiana drivers who caused an accident that injured someone else.

    1. Southern Farm Bureau: $277 a month
    2. Safeway: $293 a month
    3. Safe Auto: $398 a month
    4. State Farm: $433 a month
    5. Progressive: $475 a month

    Cheapest Auto Insurance for 70-Year-Olds in Louisiana After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Louisiana who have a DUI conviction.

    1. Southern Farm Bureau: $269 a month
    2. Safeway: $312 a month
    3. State Farm: $394 a month
    4. Safe Auto: $398 a month
    5. Progressive: $405 a month

    Cheapest Car Insurance In New Orleans, Louisiana

    Cheapest for... Company Average monthly cost in New Orleans
    Good drivers
    $332
    Drivers with a speeding ticket
    Southern Farm Bureau
    $345
    Drivers who caused an accident with injury
    Southern Farm Bureau
    $377
    Drivers with a DUI
    Southern Farm Bureau
    $364
    Driver with poor credit
    Safeway
    $478
    *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

    Cheapest Car Insurance In Baton Rouge, Louisiana

    Cheapest for... Company Average monthly cost in Baton Rouge
    Good drivers
    Safe Auto
    $279
    Drivers with a speeding ticket
    Safeway
    $306
    Drivers who caused an accident with injury
    Safeway
    $368
    Drivers with a DUI
    $357
    Driver with poor credit
    Safeway
    $300
    *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

    Cheapest Car Insurance In Shreveport, Louisiana

    Cheapest for... Company Average monthly cost in Shreveport
    Good drivers
    $217
    Drivers with a speeding ticket
    Southern Farm Bureau
    $227
    Drivers who caused an accident with injury
    Southern Farm Bureau
    $249
    Drivers with a DUI
    Southern Farm Bureau
    $241
    Driver with poor credit
    Safeway
    $274
    *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

    How to Find Cheap Car Insurance in Louisiana

    Locating low-cost car insurance in Louisiana can be done by using these strategies. An ideal car insurance policy for you will have a good cost and coverage types that address the risks you have.

    Check Rates from Several Car Insurance Companies

    Car insurance rates can vary significantly among insurers in Louisiana. That means comparing quotes from multiple companies is key to finding cheap car insurance in Louisiana.

    Consider Switching Companies If Your Driving Record Changes

    Getting a ticket or causing an accident will typically result in an insurance bill increase. A company that offered cheap Louisiana car insurance for you previously may no longer be a smart option. In some cases you need to switch car insurance companies in order to regain low rates again.

    Regularly Review Your Auto Insurance Coverage

    You may be able to get savings by removing auto insurance coverage you no longer want, such as roadside assistance or new car replacement coverage. If you haven’t taken a look at your auto policy in a while, it may be a good time to review your policy.

    Rethink Your Deductible

    You may be able to find savings if you have collision and comprehensive insurance. By raising your car insurance deductible you can reduce your premium. Simply contact your insurance agent to find out how much you can save at higher deductible amounts.

    Keep an Eye on Car Insurance Discounts

    Many car insurance discounts are subtracted from your policy automatically, but there may be additional car insurance discounts your insurance company doesn’t know you’re eligible for. For example, if you have a high school or college student in your household who gets good grades, you might qualify for a good student discount. Ask your insurance company for a review of possible discounts.

    Take Advantage of Bundling

    You can often get good savings by bundling auto insurance with home insurance, condo or renters insurance, our analysis found that the average price break for bundling is 14%.

    Optimize Your Insurance Payment Strategy

    The way you pay for auto insurance payment could lead to further discounts. These are usually small discounts but they are easy to get. For example, paying for your entire car insurance term upfront typically garners a price cut. If you’re paying in monthly installments, your insurer might have a small discount for EFT payments. Paperless billing could be another possible discount, depending on your insurer.

    Methodology

    Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.

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