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The Best Louisiana Auto Insurance Companies

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    Drivers in the state of Louisiana have some of the highest insurance rates in the country. To save money, drivers should shop around for the best car insurance in Louisiana. Although the state only requires drivers to carry liability insurance, many can’t afford basic coverage. Protect yourself and your vehicle by buying as much coverage as you can afford. Here’s what the best car insurance companies in Louisiana have to offer.

    Compare the Best Car Insurance Companies in Louisiana

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin State Farm$1,338.06$2,955.464.6A++856
    Pin Progressive$1,316.37$2,949.804A+828
    Pin Allstate$1,122.23$2,789.943.8A+838
    Pin Geico$782.21$2,540.213.8A++820

    Information accurate as of July 2021

    * Data provided by Coverage.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Southeast region. Based on a 1,000-point scale.

    State Farm

    Best for high coverage limits

    Why we chose it

    Providing insurance since 1922, State Farm offers full coverage of up to $500,000 per incident.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,338.06 Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 856** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Providing insurance since 1922, State Farm offers full coverage of up to $500,000 per incident.

    Pros

    • The largest insurance carrier in the country based on policies written
    • High-limit 500/500/500 car insurance is available
    • File claims easily online or through the full-featured mobile app

    Cons

    • Higher premiums than other insurance carriers
    • Insurance coverage options could be more innovative
    • Lacking in discounts
    Read More

    Types of Coverage Offered

    • Collision and comprehensive
    • Property damage
    • Rental car and travel expenses
    • Rideshare
    • Roadside assistance
    • Uninsured/underinsured motorist

    Discounts Available

    • Accident-free
    • Anti-theft devices
    • Defensive driving course
    • Drive Safe & Save app
    • Driving training
    • Good driver
    • Good student
    • Multi-car
    • Multi-policy
    • Passive restraint system
    • Steer Clear app
    • Student away at school

    More State Farm Insurance Reviews

    Progressive

    Best for discounts and savings

    Why we chose it

    If you’re looking to lower your premium, your odds are best with Progressive, thanks to the number of discounts available.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,316.37* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 828** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    If you’re looking to lower your premium, your odds are best with Progressive, thanks to the number of discounts available.

    Pros

    • Offers coverage for high-risk, hard-to-insure drivers
    • Name Your Price lets you set a budget and choose the level of coverage you can afford
    • Low, $100 deductible available

    Cons

    • No accident forgiveness available
    • Customer reviews rank Profressive low in claims satisfaction
    Read More

    Types of Coverage Offered

    • Custom parts and equipment
    • Deductible savings bank
    • Gap insurance
    • Rideshare
    • Rental car reimbursement
    • SR-22 policies

    Discounts Available

    • Automatic payments
    • Continuous insurance
    • Distant student
    • Good student
    • Insurance bundles
    • Multi-vehicle
    • Online quote
    • Paperless billing
    • Pay in full
    • Snapshot® safe driver program
    • Teen driver

    More Progressive Insurance Reviews

    Allstate

    Best for coverage options

    Why we chose it

    Allstate has enough types of coverage for all driver types, such as those with a side hustle with Uber, classic car collectors and audiophiles
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,122.23* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 838** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate has enough types of coverage for all driver types, such as those with a side hustle with Uber, classic car collectors and audiophiles

    Pros

    • Rideshare drivers can buy extra coverage
    • Coverage for expensive vehicle upgrades such as high-end sound systems
    • Provide a claims-satisfaction guarantee

    Cons

    • Claims can’t be filed through the mobile app
    • Missing some common discounts
    Read More

    Types of Coverage Offered

    • Classic cars
    • Collision and comprehensive 
    • Rental reimbursement
    • Roadside coverage
    • Sound system insurance
    • Uninsured and underinsured motorist coverage

    Discounts Available

    • Anti-lock brakes
    • Anti-theft devices
    • Automatic payments
    • Multi-policy
    • New car
    • Paperless
    • Pay-in-full
    • Responsible payer
    • Safe driver
    • Smart student

    More Allstate Insurance Reviews

    Geico

    Best for low prices

    Geico is well-known in the industry for offering low rates, but it also provides good customer satisfaction and a wide array of discounts.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $782.21* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 820** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is well-known in the industry for offering low rates, but it also provides good customer satisfaction and a wide array of discounts.

    Pros

    • Low annual premiums
    • Above-average customer satisfaction
    • Many discounts

    Cons

    • Few local agents available
    • No gap coverage
    Read More

    Types of Coverage Offered

    • Liability
    • Medical payments
    • Uninsured & underinsured motorist
    • Collision
    • Comprehensive
    • Roadside assistance
    • Rental reimbursement
    • Mechanical breakdown

    Discounts Available

    • Vehicle equipment features
    • New vehicle
    • Good driver
    • Seat belt use
    • Defensive driving
    • Driver’s education course
    • Good student
    • Emergency deployment
    • Membership & employee
    • Military
    • Multi-vehicleMulti-policy 

    More Geico Insurance Reviews

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Southeast region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Louisiana

    Louisiana is the third most expensive state in the country for car insurance behind Florida and New York. Coverage.com reports that full coverage in Louisiana will cost an average of $2,351 per year. Buying basic liability coverage is also expensive at $765 per year, although if we had to rank car insurance rates according to minimum liability coverage pricing, the $765 annual premium ranks in the lower half of the ten most expensive states for car insurance. 

    Rates are higher than average in Louisiana because of the number of uninsured motorists on the road. It’s a vicious circle — accidents caused by uninsured drivers cause insurance rates to increase for everyone else. And as rates increase, some drivers can no longer afford insurance, adding to the number of uninsured motorists on the road. It’s vital to shop around and compare car insurance prices to make sure you’re getting the best deal.

    Top 3 Cheapest Car Insurance Companies in  Louisiana

    CompanyAverage Annual Premium
    Geico$782.21
    Louisiana Farm Bureau$1,031.83
    Allstate$1,122.23

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Louisiana

    CompanyAverage Annual Premium
    Automobile Club $1,891.98
    Safeway Insurance $1,611.96
    Garrison Property & Casualty$1,458.63

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Louisiana

    CityAverage Annual Premium*
    Many$812.89
    Fort Polk South$825.77
    Homer$826.21

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Louisiana

    CityAverage Annual Premium*
    New Orleans$1,628.04
    Marrero$1,591.50
    Terrytown$1,572.52

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Guide to Louisiana Car Insurance 

    If you’re new to Louisiana, you’ll need to change your driver’s license for a Louisiana one in person at an Office of Motor Vehicles location. A vision exam will be required. You’ll have 30 days to register your out-of-state car, but need to have Louisiana auto insurance coverage first.

    • Louisiana is an at-fault state. Drivers are financially responsible for the accidents they cause, although 13% of drivers don’t have car insurance.
    • Louisiana recently passed tort reformation laws to reduce the cost of car insurance, but many don’t think car insurance rates will drop for at least one year.
    • Among the best car insurance companies in Louisiana, State Farm has announced insurance rate cuts in the state to bring drivers some relief. 

    Car Insurance Add-Ons That Will Further Protect You 

    Based on the high insurance rates in the state and the number of uninsured motorists who could leave you holding the bag after an accident, consider the following car insurance add-ons to expand your protection.

    • Collision coverage: The best car insurance in Louisiana should include collision and comprehensive coverage. The state only mandates a minimum amount of liability insurance. If you’re driving a newer-model vehicle and have an accident, you should know that the minimum liability coverage will not pay for damage to your vehicle.
    • Comprehensive coverage: In addition to collision insurance, comprehensive coverage will protect your car and its contents against damage from fire, flooding and storms. Considering that Louisiana is prone to hurricanes, tornadoes and extreme weather, comprehensive coverage adds a layer of protection. 
    • Uninsured/underinsured motorist coverage (UM/UIM): If you’re in an accident with someone who doesn’t have enough insurance (or none at all), UM/UIM insurance will step in to pay for the losses they caused you. 
    • Rideshare insurance: Many people don’t realize that making food deliveries or driving for Lyft or Uber isn’t included in a standard insurance policy. Add rideshare insurance to protect you financially if you’re at fault for a crash while you’re working. The best car insurance companies in Louisiana offer the coverage for as little as $10 extra per month. 

    Louisiana Minimum Insurance Requirements

    All drivers in the state of Louisiana must have a minimum of 15/35/25 in liability coverage. Wondering what those numbers mean? Take a closer looks at how much, exactly you need:

    • $15,000 bodily injury coverage per person
    • $30,000 bodily injury coverage per accident
    • $25,000 property damage coverage per accident

    Although having this amount of coverage is perfectly legal, liability insurance does not cover your vehicle if you cause an accident. In addition, if you cause an accident with higher costs than your insurance provides, you’ll need to pay the rest out of pocket. If you find yourself responsible for another driver’s $50,000 in medical bills, your insurance company will only help you out with the first $15,000. That leaves you to pay the remaining $35,000 on your own.

    Louisiana Car Insurance FAQ

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Louisiana, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Louisiana, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Cynthia Paez Bowman is a contributing writer for Reviews.com. Over the last two years, she has covered insurance, home security and more. She has been featured in MSN, Bankrate, Coverage.com, The Simple Dollar and GOBankingRates. She has dual bachelors degrees in International Business and Journalism from American University in Washington, D.C. “Is It Getting Harder to Get Home Insurance in High-Risk Areas?” is Cynthia’s favorite story on Reviews.com.