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Last Updated on January 2, 2026
Louisiana is consistently one of the most expensive states in America for car insurance. Rates can be especially steep in higher-traffic areas (like New Orleans and Baton Rouge) and for drivers with tickets, accidents, lapses in coverage, or high-risk filings.
In recent rate surveys, many Louisiana drivers pay roughly $2,600–$4,100+ per year for full coverage (and around $900–$1,200+ per year for minimum coverage). Your exact price depends heavily on your ZIP code, vehicle, driving history, credit-based insurance score, and the coverage limits you choose.
The good news: even in an expensive state, you can often find better value by comparing quotes, adjusting deductibles, and taking advantage of discounts.
Louisianans have plenty of options—from big national insurers to regional and membership-based providers. Below are 10 strong companies to consider based on availability, coverage options, and overall value. (Not every carrier is competitive for every driver, so the “best” option is usually the one that prices your profile fairly.)
USAA is often one of the best-priced options in Louisiana for eligible drivers. If you’re active duty, a veteran, or a qualifying family member, it’s usually worth getting a quote thanks to strong customer satisfaction and competitive premiums.
State Farm is a popular choice for drivers who want a large agent network and straightforward policy options. It can be especially competitive for drivers with clean records and for households that bundle auto with home or renters insurance.
GEICO is well known for fast online quotes, a strong mobile experience, and frequent discount opportunities. If you’re trying to keep costs down in Louisiana, GEICO is a good carrier to compare—especially if you’re focused on price. Learn more about whether GEICO has the cheapest auto insurance.
Progressive can be a strong fit for drivers who want flexible coverage options, easy online shopping, and a wide range of pricing scenarios. It’s also a common choice for drivers comparing multiple deductible/coverage combinations. If you’re shopping for savings, see what discounts Progressive offers.
Allstate is widely available in Louisiana and offers plenty of customization through add-ons and deductible choices. It’s worth including in your quote comparison if you’re looking for a larger insurer with multiple coverage extras.
Louisiana Farm Bureau is a well-known in-state option that’s popular with drivers who prefer working with local agents—especially in rural areas. Membership may be required. For a deeper look, read our Louisiana Farm Bureau auto insurance review.
Shelter is a strong regional-style option that can be a good value for drivers who want an agent experience and a more traditional approach to coverage. If you’re comparing beyond the biggest national carriers, it’s a smart quote to add. Here’s a closer look at whether Shelter is good for auto insurance.
Nationwide offers many of the perks of a big national insurer (bundling options, add-ons, multiple policy types) and is a good company to include in your quote lineup. Learn more in our Nationwide auto insurance review.
Liberty Mutual is worth considering if you want customizable coverage options and a strong online quoting experience. Pricing varies widely by ZIP code in Louisiana, so treat it as a comparison quote to see how it stacks up for your exact location.
Travelers is commonly sold through independent agents and can be a great fit if you want to bundle auto with home, renters, or umbrella coverage through an agent who can shop options with you.
Quick tip: When you compare quotes, keep coverage limits and deductibles the same across companies. Otherwise, the cheapest price may simply be less coverage.
Louisiana requires drivers to carry bodily injury liability coverage and property damage liability coverage. According to the Louisiana Department of Insurance, drivers must carry the following minimum insurance limits (often shown as 15/30/25): outlined here.
Louisiana also requires insurers to offer uninsured/underinsured motorist coverage, but many drivers can reject it in writing. You can also add optional protections like medical payments coverage and stronger uninsured motorist bodily injury coverage depending on your risk tolerance and budget.
Louisiana does not require collision coverage or comprehensive coverage, but lenders usually require both if you finance or lease your vehicle.
Minimum coverage only meets the state’s liability requirements. “Full coverage” usually means you carry liability plus collision and comprehensive (and often includes additional protections like uninsured motorist coverage). If you’re not sure what your agent means by “full coverage,” see whether full coverage is the same as comprehensive coverage and ask for a quote with the exact coverages listed.
Because Louisiana liability minimums are relatively low, many drivers choose higher limits for better financial protection—especially if they own a home, have savings, or drive frequently in busy areas.
It’s illegal to drive without insurance in Louisiana. To legally operate a vehicle, you must maintain active coverage and be able to show proof of insurance or proof of financial responsibility.
If you’re caught without insurance, penalties can include fines, suspension of your registration and license plates, vehicle impoundment, reinstatement fees, and towing/storage costs. In short: driving uninsured often becomes far more expensive than maintaining a basic policy.
Louisiana is also a “No Pay, No Play” state. Important update: for crashes occurring on or after August 1, 2025, Louisiana’s updated No Pay, No Play rules can severely limit what an uninsured driver can recover after an accident—even if the uninsured driver wasn’t at fault. (There may be exceptions, but you should not count on them.)
And if you cause an accident while uninsured, you’re still responsible for the damage—you just pay out of pocket instead of having insurance handle the bills. Learn what can happen after an accident without insurance.
Getting a DUI is likely to increase car insurance rates significantly—often for several years. In Louisiana, where insurance is already expensive, a DUI can push you into a high-risk pricing tier quickly.
If you have a DUI, the best strategy is to compare multiple quotes, avoid lapses in coverage, and ask whether a company offers any savings programs (like telematics) that can help offset the increase over time.
An at-fault accident can raise your premium at renewal, and the impact can vary a lot from company to company. Some insurers surcharge heavily; others are more forgiving depending on severity and prior history.
If your record is otherwise clean, ask whether a company offers accident forgiveness (or similar features). Even when it exists, it usually has eligibility requirements and may not apply to every crash—but it can be a valuable perk.
Insurers look at your driving history when setting premiums. Even one ticket can increase rates, especially if it’s recent or involves a high speed. If you have tickets, shopping around is key—price differences can be dramatic for the same driver profile.
Young drivers are expensive to insure in every state, and Louisiana can be especially tough on teen and under-25 pricing. The best ways to lower costs are comparing multiple companies, using good-student discounts, choosing a modest vehicle, and adjusting deductibles. For more strategies, see our guide to cheapest car insurance for young drivers.
In many cases, Louisiana insurers can use credit-based factors when pricing policies. If your credit is weak, you may pay more than a driver with similar driving history but stronger credit. Learn more about how credit score can affect car insurance rates and compare quotes—because some insurers weigh credit more heavily than others.
Some Louisiana drivers must file an SR-22 certificate to restore driving privileges after certain violations. An SR-22 isn’t a special “type” of policy—it’s a filing your insurer submits to the Louisiana Office of Motor Vehicles to prove you’re carrying the required coverage.
When you need an SR-22, your premium may increase because insurers see you as higher risk. If you’re trying to keep costs down, start with these tips on finding cheap SR-22 insurance and compare quotes from multiple carriers.
If you can’t get coverage through the standard market, Louisiana has an insurer-of-last-resort option through the Louisiana Automobile Insurance Plan (LAIP): Louisiana Automobile Insurance Plan.
Louisiana car insurance is expensive, but you still have options. The best way to find a good policy is to compare quotes from several insurers, choose coverage limits that actually protect your finances, and take advantage of discounts where you qualify.
Start with the companies above, then fine-tune your policy (limits, deductibles, and optional coverages) until you find the best balance of price and protection.
