Cheap Car Insurance in Louisiana

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Finding cheap car insurance in Louisiana

Looking for cheap car insurance in Louisiana? Because rates can vary considerably by company, it's important to compare prices.

You can possibly save hundreds of dollars a year just by comparison shopping. We looked at premiums reported by EverQuote users in Louisiana for large insurance companies. The prices below reflect rates for one driver with a clean record and insuring one vehicle.

Company
(Click to see reviews)
Average monthly premium
Farm Bureau $151
Allstate $170
State Farm $174
USAA $176
Geico $177
Progressive $180
Esurance $187
Source: EverQuote. See full methodology below.


Keep in mind that the cheapest car insurance company in Louisiana for you when you have a good driving record might not be the cheapest if you have had accidents, auto insurance claims or tickets. But don't let a poor driving record stop you from comparison shopping. 

Louisiana car insurance rates after accidents & speeding tickets

Accidents, claims and tickets for moving violations can all lead to a rate increase at renewal time. Even with a poor driving record you could potentially get cheaper car insurance by comparison shopping. We looked at premiums reported by EverQuote users in Louisiana who had an accident or speeding ticket on their records compared to those who didn't.  

On driving record Average monthly premium difference vs. clean record in Louisiana
Speeding ticket 16%
Accident 39%
Source: EverQuote. See full methodology below.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Louisiana drivers are speeding and using their phones while driving.


Louisiana car insurance rates by city

We also analyzed Louisiana car insurance rates reported by EverQuote users in various cities. Drivers in Slidell reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Slidell $156
Shreveport $161
Monroe $162
Lake Charles $164.50
Metairie $169
Lafayette $173
Houma $173
Baton Rouge $185
New Orleans $194
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Louisiana

You'll typically get the best rates by comparing prices among multiple insurance companies and keeping a clean driving record.

Also:

  • Ask your agent to review the possible auto insurance discounts to make sure you're getting all the savings possible.
  • Find out from your agent how much you can save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Improve your credit. People with poor credit generally pay more for auto insurance. Insurers often use a credit-based insurance score when determining rates. 

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 31, 2018

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