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Best car insurance in Louisiana for 2022

Updated Nov 15, 2022
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When it comes to car insurance in Louisiana, drivers may be trying to balance coverage and cost. Louisiana has the highest average cost of car insurance in the nation, but drivers don’t need to compromise coverage for affordability. Bankrate’s insurance editorial team reviewed dozens of car insurance carriers for everything from average premiums, coverage options, discount opportunities and more to help you find the best car insurance in Louisiana for your needs.

Auto Insurance
Key takeaways
  • The average cost of car insurance in Louisiana is $2,864 per year for full coverage and $807 per year for minimum coverage.
  • Average full coverage car insurance rates in Louisiana are 68% higher than Mississippi and 53% higher than Texas.

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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.

We assigned a Bankrate Score to each company. On a scale of 0.0 to 5.0, the Scores reflect how highly each company ranked in each scoring category. The higher the Score, the more highly the company ranked. Each company’s Bankrate Score can give a quick impression of each company, as well as be used to compare carriers to each other, which might be worth seeking out for a car insurance quote.

Best car insurance companies in Louisiana

Based on Bankrate’s in-depth analysis of car insurance companies in Louisiana, USAA, Geico and State Farm are some of the best carriers within the state. We reviewed carriers based on average rates sourced from Quadrant Information Services and compared it to the state average, which is $2,864 per year for full coverage and $807 for minimum coverage. Third-party ratings from agencies like AM Best and customer satisfaction scores from J.D. Power’s 2022 U.S. Auto Insurance Study were also considered.

If you are shopping for the best auto insurance in Louisiana, these companies might be a good starting place:

USAA
Rating: 5 stars out of 5
5.0
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
886
/1,000
Average annual full coverage premium
$1,890
Average annual minimum coverage premium
$570
Geico
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
843
/1,000
Average annual full coverage premium
$2,154
Average annual minimum coverage premium
$440
State Farm
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
855
/1,000
Average annual full coverage premium
$2,743
Average annual minimum coverage premium
$548
Progressive
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
842
/1,000
Average annual full coverage premium
$3,571
Average annual minimum coverage premium
$865
Allstate
Rating: 4 stars out of 5
4.0
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
833
/1,000
Average annual full coverage premium
$3,956
Average annual minimum coverage premium
$794
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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.

*Not officially ranked by J.D. Power due to eligibility restrictions

The best car insurance company for military-specific discounts

J.D. Power:
886 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 570
Avg annual premium for full coverage:
$ 1,890
Get a personalized quote

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

The best car insurance company for digital policy management

J.D. Power:
843 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 440
Avg annual premium for full coverage:
$ 2,154
Get a personalized quote

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

The best car insurance company for telematics-based programs

J.D. Power:
855 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 548
Avg annual premium for full coverage:
$ 2,743
Get a personalized quote

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

The best car insurance company for add-on coverage options

J.D. Power:
842 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 865
Avg annual premium for full coverage:
$ 3,571
Get a personalized quote

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

The best car insurance company for savings opportunities

J.D. Power:
833 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 794
Avg annual premium for full coverage:
$ 3,956
Get a personalized quote

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

Average cost of car insurance in Louisiana

The average cost of car insurance in Louisiana is $2,864 per year on average for full coverage, which is over $1,000 more than the national average of $1,771 per year.

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 and the likelihood of getting into an accident.

Average annual premium for minimum coverage in Louisiana Average annual premium for full coverage in Louisiana
$807 $2,864

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, you may want to compare online quotes and 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

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.

Car insurance discounts in Louisiana

Car insurance in Louisiana is expensive, but there are ways to save on your car insurance premium. Some of the best discounts available for Louisiana car insurance include:

  • Young driver discounts: Teen drivers are expensive to insure, on average, but you might save money by taking advantage of good student discounts, driver training discounts or distant student discounts.
  • Safe driver discounts: If you have a clean driving record, you’ll probably already have lower rates than someone who has incidents on their driving record. However, some companies give additional loss-free discounts, and if you drive safely, you could benefit from car insurance with telematics.
  • Other discounts: Most companies offer auto and home bundle discounts, which can sometimes be applied to renters or condo owners as well. You might also save money with payment-centric discounts, like paperless billing, paid-in-full or automatic payment savings.

Discounts vary by company, so the best way to know how to save on your specific car insurance policy is to talk to an agent or company representative.

Frequently asked questions

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Insurance Editor
Reviewed by Senior wealth manager, LourdMurray