The Cheapest Car Insurance in Louisiana for 2022 – NerdWallet

car insurance is an authoritative leverage, but finding cheap car indemnity in Louisiana international relations and security network ’ t constantly easily. That ’ sulfur why it ’ mho important to compare rates from multiple insurers. The average cost of broad coverage car indemnity in Louisiana is $ 3,094 per year, or about $ 258 per calendar month, according to NerdWallet ’ mho analysis. minimum coverage in Louisiana is $ 957 per year on average, but we found you can probable get a cheaper policy. For example, Geico offers the cheapest rates in Louisiana at $ 446 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a houseclean drive record. Why you can trust NerdWallet : Our writers and editors follow rigorous editorial guidelines to ensure fairness and accuracy in our writing and datum analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every venue in the nation where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change merely one variable star at a time, so you can well see how each divisor affects price.

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Cheapest car insurance company overall in Louisiana
southerly Farm Bureau Casualty $ 150/month not even rated .
Cheapest for minimal coverage
Geico $ 37/month

4.5 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Cheapest for young drivers
southerly Farm Bureau Casualty $ 247/month not yet rated .
Cheapest for drivers with inadequate credit
Safeway $ 150/month not yet rated .

How we chose the cheapest companies in Louisiana

NerdWallet ’ s column team analyzed car insurance rates from 11 car insurers in Louisiana and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimal requirements in Louisiana. For full coverage, we used the below coverage limits :

  • $ 100,000 bodily wound indebtedness per person .
  • $ 300,000 bodily injury indebtedness per accident .
  • $ 50,000 property damage liability per accident .
  • $ 100,000 uninsured motorist coverage per person .
  • $ 300,000 uninsured motorist coverage per accident .
  • Collision coverage with a $ 1,000 deductible .
  • comprehensive coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a distribute of quotes to find the best bum car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. still, some companies routinely have better indemnity rates for young drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in Louisiana for 20-year-olds

Drivers in Louisiana with clean drive records may want to consider the follow companies, which had the lowest average rates :

  1. southerly Farm Bureau Casualty : $ 2,963 per year, or about $ 247 per calendar month .
  2. Louisiana Farm Bureau : $ 4,380 per year, or about $ 365 per month .
  3. state farm : $ 4,698 per class, or about $ 392 per calendar month .
  4. Safeway : $ 4,832 per year, or about $ 403 per calendar month .
  5. Geico : $ 4,891 per class, or about $ 408 per calendar month .

Cheapest minimum coverage car insurance in Louisiana for 20-year-olds

Drivers in Louisiana who want equitable the state of matter minimum coverage may want to check with these companies, which had the lowest average rates :

  1. Geico : $ 1,049 per year, or about $ 87 per month .
  2. southern Farm Bureau Casualty : $ 1,101 per year, or about $ 92 per month .
  3. submit farm : $ 1,369 per class, or about $ 114 per calendar month .
  4. Louisiana Farm Bureau : $ 1,511 per year, or about $ 126 per month .
  5. Allstate : $ 2,007 per year, or about $ 167 per calendar month .

Cheapest auto insurance in Louisiana for 20-year-olds with poor credit

Drivers with hapless credit in Louisiana should look at the following insurers with the lowest median rates for minimum coverage :

  1. Geico : $ 1,336 per year, or about $ 111 per month .
  2. southern Farm Bureau Casualty : $ 1,800 per year, or about $ 150 per calendar month .
  3. Safeway : $ 2,212 per year, or about $ 184 per month .
  4. Allstate : $ 2,394 per year, or about $ 200 per calendar month .
  5. Louisiana Farm Bureau : $ 2,876 per class, or about $ 240 per month .

Cheapest auto insurance in Louisiana for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Louisiana, here are the companies with the lowest average rates for minimum coverage :

  1. Geico : $ 1,278 per year, or about $ 106 per calendar month .
  2. southern Farm Bureau Casualty : $ 1,445 per year, or about $ 120 per calendar month .
  3. state farm : $ 1,729 per class, or about $ 144 per month .
  4. Louisiana Farm Bureau : $ 1,786 per year, or about $ 149 per month .
  5. Allstate : $ 2,708 per year, or about $ 226 per month .

Cheapest auto insurance in Louisiana for 20-year-old drivers after a DUI

The cheapest car indemnity we found after a DUI is shown here, alongside the insurers ‘ average rates for minimum coverage .

  1. southerly Farm Bureau Casualty : $ 1,573 per year, or about $ 131 per calendar month .
  2. Louisiana Farm Bureau : $ 1,760 per year, or about $ 147 per calendar month .
  3. Geico : $ 1,801 per year, or about $ 150 per calendar month .
  4. state farm : $ 2,141 per year, or about $ 178 per calendar month .
  5. Allstate : $ 2,616 per year, or about $ 218 per month .

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Cheapest for 30-year-old drivers

By the fourth dimension they reach their 30s, most drivers will enjoy cheaper cable car indemnity rates than in their teens and 20s. silent, factors like a person ’ sulfur drive record and cable car make and model can increase prices. Drivers in their 30s can get lower rates by shopping about and taking advantage of any car indemnity discounts.

Cheapest full coverage car insurance in Louisiana for 30-year-olds

Drivers in Louisiana with clean drive records may get the lowest rates from these companies :

  1. southern Farm Bureau Casualty : $ 1,962 per year, or about $ 164 per calendar month .
  2. Louisiana Farm Bureau : $ 2,378 per year, or about $ 198 per month .
  3. Geico : $ 2,558 per class, or about $ 213 per calendar month .
  4. Safeway : $ 2,627 per year, or about $ 219 per calendar month .
  5. express farm : $ 2,707 per year, or about $ 226 per calendar month .

Cheapest minimum coverage car insurance in Louisiana for 30-year-olds

Drivers in Louisiana who want their state ‘s minimum coverage can check with the following companies, which had the lowest average rates :

  1. Geico : $ 453 per year, or about $ 38 per calendar month .
  2. southern Farm Bureau Casualty : $ 555 per class, or about $ 46 per month .
  3. express farm : $ 597 per year, or about $ 50 per month .
  4. Louisiana Farm Bureau : $ 705 per class, or about $ 59 per month .
  5. Auto Club of SoCal : $ 974 per year, or about $ 81 per month .

Cheapest auto insurance in Louisiana for 30-year-olds with poor credit

Drivers with poor credit in Louisiana should consider the following companies with the lowest median rates for full coverage :

  1. Safeway : $ 2,627 per year, or about $ 219 per calendar month .
  2. southerly Farm Bureau Casualty : $ 3,496 per year, or about $ 291 per month .
  3. Geico : $ 3,583 per year, or about $ 299 per calendar month .
  4. Louisiana Farm Bureau : $ 4,614 per class, or about $ 384 per calendar month .
  5. Allstate : $ 5,645 per year, or about $ 470 per month .

Cheapest auto insurance in Louisiana for 30-year-old drivers with one at-fault crash

For drivers in Louisiana with a holocene accident, hera are the lowest average rate options for wax coverage :

  1. southerly Farm Bureau Casualty : $ 2,460 per year, or about $ 205 per month .
  2. Louisiana Farm Bureau : $ 2,754 per year, or about $ 230 per calendar month .
  3. Safeway : $ 3,227 per class, or about $ 269 per calendar month .
  4. state farm : $ 3,262 per year, or about $ 272 per calendar month .
  5. Geico : $ 4,083 per year, or about $ 340 per month .

Cheapest auto insurance in Louisiana for 30-year-old drivers after a DUI

For the cheapest car insurance after a DUI, we found the follow options for full coverage .

  1. southerly Farm Bureau Casualty : $ 2,513 per class, or about $ 209 per calendar month .
  2. Louisiana Farm Bureau : $ 2,682 per year, or about $ 224 per calendar month .
  3. Safeway : $ 3,445 per year, or about $ 287 per month .
  4. country farm : $ 3,694 per year, or about $ 308 per month .
  5. Geico : $ 5,400 per year, or about $ 450 per month .

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but hush pay more than older senesce groups. Shopping around for cheap car indemnity quotes with multiple insurers is the best way to find lower rates. thoroughly drivers who don ’ deoxythymidine monophosphate induce behind the wheel often might want to consider pay-per-mile indemnity, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Louisiana for 40-year-olds

Drivers in Louisiana with clean drive records may want to think about the succeed companies, which had the lowest average rates :

  1. southern Farm Bureau Casualty : $ 1,718 per year, or about $ 143 per month.
  2. Louisiana Farm Bureau : $ 2,243 per year, or about $ 187 per calendar month .
  3. Safeway : $ 2,477 per class, or about $ 206 per calendar month .
  4. Geico : $ 2,487 per year, or about $ 207 per calendar month .
  5. state grow : $ 2,672 per year, or about $ 223 per calendar month .

Cheapest minimum coverage car insurance in Louisiana for 40-year-olds

Drivers in Louisiana who want merely the minimal coverage may want to check prices from these companies, which had the lowest average rates :

  1. Geico : $ 443 per year, or about $ 37 per month .
  2. southern Farm Bureau Casualty : $ 450 per year, or about $ 38 per month .
  3. department of state farm : $ 597 per year, or about $ 50 per month .
  4. Louisiana Farm Bureau : $ 649 per year, or about $ 54 per calendar month .
  5. Auto Club of SoCal : $ 938 per year, or about $ 78 per month .

Cheapest auto insurance in Louisiana for 40-year-olds with poor credit

Drivers with poor credit rating in Louisiana can check out the following insurers with the lowest average rates for full coverage :

  1. Safeway : $ 2,477 per year, or about $ 206 per calendar month .
  2. southerly Farm Bureau Casualty : $ 3,105 per class, or about $ 259 per month .
  3. Geico : $ 3,453 per year, or about $ 288 per month .
  4. Louisiana Farm Bureau : $ 4,397 per year, or about $ 366 per month .
  5. Allstate : $ 5,645 per year, or about $ 470 per calendar month .

Cheapest auto insurance in Louisiana for 40-year-old drivers with one at-fault crash

For drivers with a late accident living in Louisiana, here are the companies with the lowest modal rates for entire coverage :

  1. southern Farm Bureau Casualty : $ 2,137 per year, or about $ 178 per calendar month .
  2. Louisiana Farm Bureau : $ 2,575 per year, or about $ 215 per month .
  3. Safeway : $ 3,035 per class, or about $ 253 per calendar month .
  4. department of state grow : $ 3,222 per class, or about $ 268 per month .
  5. Geico : $ 3,973 per year, or about $ 331 per month .

Cheapest auto insurance in Louisiana for 40-year-old drivers after a DUI

The cheapest full coverage car policy we found for drivers with a DUI came from the following companies .

  1. southern Farm Bureau Casualty : $ 2,165 per year, or about $ 180 per calendar month .
  2. Louisiana Farm Bureau : $ 2,489 per year, or about $ 207 per month .
  3. Safeway : $ 3,238 per year, or about $ 270 per month .
  4. state farm : $ 3,646 per year, or about $ 304 per month .
  5. Auto Club of SoCal : $ 5,323 per class, or about $ 444 per month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper cable car insurance rates than most early senesce groups on average. Prices will continue to drop as they inch toward their 60s and gain more drive have. Rates can inactive vary depending on other factors such as a driver ’ randomness sex and location, so it ’ second fresh to shop around to find the best rate. Our number of cheap car insurance companies is a thoroughly invest to start.

Cheapest full coverage car insurance in Louisiana for 50-year-olds

Drivers in Louisiana with clean drive records may want to get quotes from these insurers, which had the lowest modal rates :

  1. southerly Farm Bureau Casualty : $ 1,672 per year, or about $ 139 per calendar month .
  2. Louisiana Farm Bureau : $ 2,017 per year, or about $ 168 per calendar month .
  3. Safeway : $ 2,173 per year, or about $ 181 per calendar month .
  4. Geico : $ 2,442 per year, or about $ 204 per month .
  5. submit farm : $ 2,623 per year, or about $ 219 per month .

Cheapest minimum coverage car insurance in Louisiana for 50-year-olds

Drivers in Louisiana who opt for the department of state minimum coverage may want to consider the follow companies, with the lowest average rates :

  1. Geico : $ 431 per year, or about $ 36 per calendar month .
  2. southern Farm Bureau Casualty : $ 441 per year, or about $ 37 per month .
  3. Louisiana Farm Bureau : $ 573 per year, or about $ 48 per month .
  4. state farm : $ 592 per year, or about $ 49 per month .
  5. progressive : $ 893 per class, or about $ 74 per month .

Cheapest auto insurance in Louisiana for 50-year-olds with poor credit

Drivers with poor credit in Louisiana can check with the following companies, which showed the lowest average rates for broad coverage :

  1. Safeway : $ 2,173 per year, or about $ 181 per calendar month .
  2. southerly Farm Bureau Casualty : $ 3,022 per year, or about $ 252 per calendar month .
  3. Geico : $ 3,462 per year, or about $ 288 per month .
  4. Louisiana Farm Bureau : $ 3,935 per year, or about $ 328 per calendar month .
  5. embrace : $ 5,342 per year, or about $ 445 per month .

Cheapest auto insurance in Louisiana for 50-year-old drivers with one at-fault crash

For drivers living in Louisiana with a holocene accident, here are the insurers with the lowest average wide coverage rates :

  1. southerly Farm Bureau Casualty : $ 2,076 per year, or about $ 173 per month .
  2. Louisiana Farm Bureau : $ 2,322 per year, or about $ 194 per month .
  3. Safeway : $ 2,648 per year, or about $ 221 per month .
  4. submit farm : $ 3,163 per class, or about $ 264 per month .
  5. Geico : $ 3,872 per year, or about $ 323 per month .

Cheapest auto insurance in Louisiana for 50-year-old drivers after a DUI

The cheapest car policy we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage .

  1. southerly Farm Bureau Casualty : $ 2,099 per class, or about $ 175 per calendar month .
  2. Louisiana Farm Bureau : $ 2,251 per year, or about $ 188 per calendar month .
  3. Safeway : $ 2,820 per year, or about $ 235 per month .
  4. state farm : $ 3,584 per class, or about $ 299 per month .
  5. Auto Club of SoCal : $ 5,161 per year, or about $ 430 per calendar month .

See what you could save on car insurance

well compare personalized rates to see how much switch cable car indemnity could save you.

ZIP Code

GET MY RATES Get started on Insure.com

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car indemnity rates than many other senesce groups on average, prices will start increasing as they get older. To find cheap car policy for seniors, drivers in their 60s should make indisputable to shop around to find the best rate. Drivers in this age group should besides take advantage of any available discounts for aged citizens.

Cheapest full coverage car insurance in Louisiana for 60-year-olds

Drivers in Louisiana with clean and jerk drive records may want to think about getting quotes from these companies, which had the lowest average rates :

  1. southern Farm Bureau Casualty : $ 1,737 per year, or about $ 145 per month .
  2. Louisiana Farm Bureau : $ 2,052 per year, or about $ 171 per month .
  3. Safeway : $ 2,216 per year, or about $ 185 per month .
  4. Geico : $ 2,387 per year, or about $ 199 per calendar month .
  5. state farm : $ 2,518 per year, or about $ 210 per calendar month .

Cheapest minimum coverage car insurance in Louisiana for 60-year-olds

Drivers in Louisiana who want just the state minimum coverage may want to check with these insurers, which had the lowest median rates :

  1. Geico : $ 436 per year, or about $ 36 per month .
  2. southerly Farm Bureau Casualty : $ 475 per class, or about $ 40 per month .
  3. state farm : $ 562 per class, or about $ 47 per calendar month .
  4. Louisiana Farm Bureau : $ 592 per year, or about $ 49 per month .
  5. progressive : $ 873 per class, or about $ 73 per calendar month .

Cheapest auto insurance in Louisiana for 60-year-olds with poor credit

Drivers with poor credit in Louisiana can look at the following companies with the lowest average rates for wide coverage :

  1. Safeway : $ 2,216 per year, or about $ 185 per calendar month .
  2. southern Farm Bureau Casualty : $ 3,138 per year, or about $ 262 per month .
  3. Geico : $ 3,335 per class, or about $ 278 per month .
  4. Louisiana Farm Bureau : $ 3,999 per year, or about $ 333 per calendar month .
  5. embrace : $ 5,342 per year, or about $ 445 per month .

Cheapest auto insurance in Louisiana for 60-year-old drivers with one at-fault crash

For drivers with a recent accident be in Louisiana, here are the companies with the lowest median rates for full moon coverage :

  1. southerly Farm Bureau Casualty : $ 2,161 per year, or about $ 180 per calendar month .
  2. Louisiana Farm Bureau : $ 2,369 per class, or about $ 197 per calendar month .
  3. Safeway : $ 2,703 per year, or about $ 225 per month .
  4. state farm : $ 3,036 per year, or about $ 253 per calendar month .
  5. Geico : $ 3,824 per year, or about $ 319 per calendar month .

Cheapest auto insurance in Louisiana for 60-year-old drivers after a DUI

The cheapest car indemnity we found after a DUI came from the following companies, shown with their average rates for entire coverage .

  1. southerly Farm Bureau Casualty : $ 2,191 per year, or about $ 183 per calendar month .
  2. Louisiana Farm Bureau : $ 2,302 per year, or about $ 192 per month .
  3. Safeway : $ 2,879 per year, or about $ 240 per calendar month .
  4. state farm : $ 3,437 per year, or about $ 286 per month .
  5. Geico : $ 5,317 per year, or about $ 443 per calendar month .

Cheapest car insurance for military families

If you ‘re an active member of the military or a veteran — or have an contiguous class member who is — chances are you ‘ll get a relatively bum rate with USAA, a party that is n’t available to the cosmopolitan populace. Because of that restriction, USAA is n’t ranked with the others, but it was among the cheapest three car indemnity options for 36 of the 48 driver profiles we examined.

Minimum required auto insurance in Louisiana

Louisiana drivers are required to carry liability indemnity, which covers others ’ injury treatment and property damage after crashes you cause. The minimum limits you must buy are :

  • $ 15,000 bodily injury liability per person .
  • $ 30,000 bodily injury liability per accident .
  • $ 25,000 property damage indebtedness per accident .

Although this will be enough to drive legally, experts recommend getting more than the unsheathed minimum to avoid paying out of pocket after serious crashes. You may besides want optional coverage such as collision, comprehensive and uninsured motorist coverage. Check out NerdWallet ’ s scout to car insurance requirements by department of state for more information on how these coverage options exploit and what makes sense for your policy.

Alternative car insurance in Louisiana

Drivers who are deny car indemnity on the open market thanks to such factors as a checked drive commemorate can shop for coverage through the Louisiana Automobile Insurance Plan. Try our cable car policy comparison instrument to view rates from peak companies .

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