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Best car insurance in Louisiana for 2023

Updated Mar 28, 2023
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Best car insurance companies in Louisiana

Our extensive research found Geico, USAA, State Farm, Progressive and Allstate to be the best car insurance companies in Louisiana. To make those determinations, we analyzed average annual car insurance premiums from Quadrant Information Services, reviewed customer satisfaction scores from the 2022 J.D. Power U.S. Auto Insurance Study, and factored in AM Best financial strength ratings. Geico, USAA and State Farm have annual premiums below the Louisiana full coverage average of $2,909 per year and the minimum coverage average of $805 per year.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Southeast)
843
/1,000
Average monthly full coverage premium
$181
Average annual full coverage premium
$2,171
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Southeast)
886
/1,000
Average monthly full coverage premium
$172
Average annual full coverage premium
$2,065
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southeast)
855
/1,000
Average monthly full coverage premium
$234
Average annual full coverage premium
$2,812
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southeast)
842
/1,000
Average monthly full coverage premium
$321
Average annual full coverage premium
$3,857
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Southeast)
833
/1,000
Average monthly full coverage premium
$319
Average annual full coverage premium
$3,833
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Southeast)
843
/1,000
Average monthly minimum coverage premium
$38
Average annual minimum coverage premium
$450
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Southeast)
886
/1,000
Average monthly minimum coverage premium
$50
Average annual minimum coverage premium
$596
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southeast)
855
/1,000
Average monthly minimum coverage premium
$47
Average annual minimum coverage premium
$559
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southeast)
842
/1,000
Average monthly minimum coverage premium
$76
Average annual minimum coverage premium
$916
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Southeast)
833
/1,000
Average monthly minimum coverage premium
$60
Average annual minimum coverage premium
$720
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best for digital policy management

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 843 AM Best: A++

Average annual premium

$ 2,171 for full coverage
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Why Geico made our list: Geico’s self-service model offers flexibility when it comes to reviewing your policy wherever you are, although coverage options are more limited compared to other national carriers. The company also offers generous potential discounts, savings for military members, federal employees, good students and safe drivers.

Who Geico may be good for: Geico car insurance could be ideal for drivers who want to manage their car insurance through a mobile app or online portal.

Read full Geico review

Best for military-specific discounts

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 886 AM Best: A++

Average annual premium

$ 2,065 for full coverage
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Why USAA made our list: USAA offers special military discounts, including a vehicle storage discount, which could be added if you store your vehicle while deployed, and a military installation discount if you garage your vehicle on a military base.

Who USAA may be good for: USAA may be a great choice for Louisiana drivers who value excellent customer service. The company received the highest score on our list for claims satisfaction with J.D. Power but does not qualify for official ranking due to the fact that it sells coverage exclusively to current and retired military and eligible family members.

Read full USAA review

Best for telematics-based programs

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 855 AM Best: A++

Average annual premium

$ 2,812 for full coverage
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Why State Farm made our list: State Farm offers two telematics programs that reward drivers with extra savings based on how safely they drive. Its Drive Safe and Save could reward experienced drivers with up to 30% off their premium based on driving habits, while its Steer Clear program would be ideal for young and new drivers. However, its add-on coverage options are fairly limited for a national insurer, and it notably does not offer gap coverage.

Who State Farm may be good for: Drivers who want to have a direct influence in their car insurance savings through telematics programs may want to consider State Farm.

Read full State Farm review

Best for add-on coverage options

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 842 AM Best: A+

Average annual premium

$ 3,857 for full coverage
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Why Progressive made our list: Progressive offers a host of policy options that can help policyholders tailor their coverage, including loan/lease gap coverage, custom parts and equipment coverage and a deductible savings bank. And you might be able to lower your premium by getting a quote and buying a policy online, having continuous insurance or participating in the Snapshot program. Before purchasing, keep in mind that Progressive received the lowest J.D. Power customer satisfaction score of the companies on our list.

Who Progressive may be good for: Progressive may be a good option for policyholders who are looking for a wide array of add-on coverage options.

Read full Progressive review

Best for savings opportunities

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 833 AM Best: A+

Average annual premium

$ 3,833 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Allstate made our list: Allstate offers a host of discounts opportunities, like savings for new cars, smart students and safety devices. It even offers Deductible Rewards, which rewards $100 up to $500 off your collision deductible for every year of safe driving, and Drivewise, a usage-based telematics program that offers cash back and other rewards for safe driving. If you’re looking to round out your car insurance policy, Allstate offers several optional coverage types to personalize your policy, like sound system coverage and ridesharing coverage. Unfortunately, it scored below average in the 2022 J.D. Power Auto Insurance Study for the Southeast region.

Who Allstate may be good for: Allstate may be a good choice for policyholders looking for savings opportunities. 

Read full Allstate review

How Bankrate chose the best car insurance companies in Louisiana

Bankrate’s insurance editorial team reviewed the largest Louisiana car insurance companies by market share. We first analyzed average quoted premiums obtained from Quadrant Information Services and then extensively reviewed each company’s coverages, discounts, policy features and third-party financial rankings from AM Best and S&P. We also looked at customer satisfaction scores from third-party rating agency J.D. Power.

How much is car insurance in Louisiana?

The average cost of car insurance in Louisiana is $2,909 per year on average for full coverage, nearly $1,000 more than the national average of $2,014 per year. The cost of car insurance in Louisiana is much higher than in surrounding states. For instance, the average cost of car insurance in Mississippi is $1,771 per year for full coverage, and the average cost of car insurance in Texas is $2,019 per year for full coverage.

The high cost of coverage in Louisiana could be due to the economic strain that auto accidents put on Louisiana’s economy. Other possible reasons for the high cost could be the cost of parts and labor for damages, the cost of medical care for injuries, the state’s frequent natural disasters and the likelihood of getting into an auto accident in the state.

Average annual premium for full coverage in Louisiana Average annual premium for minimum coverage in Louisiana
$2,909 $805

How to find the best car insurance in Louisiana

The best car insurance in Louisiana will depend on your individual needs and preferences. It can be helpful to be aware of requirements from your state and lender. Then, you may want to factor in individual preferences such as whether or not you’ll want roadside service. Finally, to find the best auto insurance in Louisiana, you may want to get car insurance quotes and compare car insurance discounts from the top providers to help keep your insurance costs in line with your budget.

Consider minimum insurance requirements in Louisiana

Louisiana requires that every driver carry at least minimum limits of bodily injury liability and property damage liability. To find Louisiana’s specific requirements, you can reference the Louisiana Department of Insurance’s “Consumer’s Guide to Auto Insurance” or Bankrate’s guide to Louisiana’s insurance laws. Most agents recommend that you purchase higher levels of liability for greater financial protection.

Consider lender requirements

Are you leasing or financing your vehicle? If so, your lender or lienholder will likely require you to have full coverage so that they know damages will be covered in the event of an accident. Gap insurance may be a smart optional choice for newer financed vehicles. Gap insurance is designed to pay the difference between what you owe on your new car and what it’s worth if it is stolen or totaled in a covered accident.

Consider your individual needs

When shopping for auto insurance in Louisiana, certain personal factors can affect which car insurance policy you choose. Events like adding a teen driver to your car insurance can increase your car insurance rate. If you’re insuring a young driver, you may want to look for companies that offer competitive student discounts. Or, if you’ve had a DUI conviction in Louisiana, you might want to look for a company that offers insurance to high-risk drivers. A driver with a clean driving record might have different considerations than a driver with an at-fault accident on their record, for example.

Frequently asked questions

Written by
Lizzie Nealon
Insurance Contributor

Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future.

Edited by Insurance Senior Editor
Reviewed by Senior wealth manager, LourdMurray