Cheapest Car Insurance in Louisiana for 2022
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in Louisiana
| City | Premium | Percent Increase |
| Ruston | $1,286 | 0.0% |
| Bossier City | $1,409 | 9.6% |
| Shreveport | $1,577 | 22.6% |
| Mandeville | $1,681 | 30.7% |
| West Monroe | $1,713 | 33.2% |
| Covington | $1,718 | 33.5% |
| Slidell | $1,744 | 35.6% |
| Monroe | $1,755 | 36.4% |
| Hammond | $1,795 | 39.5% |
| Sulphur | $1,797 | 39.7% |
| Thibodaux | $1,827 | 42.1% |
| Houma | $1,882 | 46.3% |
| New Iberia | $1,884 | 46.4% |
| Lake Charles | $1,910 | 48.5% |
| Pineville | $1,911 | 48.6% |
| Gonzales | $1,940 | 50.8% |
| Opelousas | $1,975 | 53.5% |
| Prairieville | $1,981 | 54.0% |
| Lafayette | $2,003 | 55.7% |
| Alexandria | $2,009 | 56.2% |
| La Place | $2,011 | 56.3% |
| Denham Springs | $2,036 | 58.3% |
| Baton Rouge | $2,117 | 64.5% |
| Metairie | $2,346 | 82.3% |
| Kenner | $2,400 | 86.6% |
| Westwego | $2,547 | 97.9% |
| Marrero | $2,615 | 103.3% |
| Gretna | $2,626 | 104.1% |
| Harvey | $2,642 | 105.4% |
| New Orleans | $2,819 | 119.2% |
Factors That Affect Car Insurance Premiums in Louisiana
Although mature drivers pay less for car indemnity than teens, older drivers start to see their rates go up as they enter their aged years. Comparing car insurance rates can save older drivers hundreds of dollars a class.
Read more: The Best Car Insurance Companies for 2022
Cheapest Car Insurance in Louisiana
7 Tips for How to Get Cheap Car Insurance in Louisiana
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Louisiana, regional insurers like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance might have lower rates than national companies like State Farm, Geico, and Nationwide and have comparable customer satisfaction ratings.
2. Know the factors affecting insurance in Louisiana
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose coverage that is right for you
You need
5. Search for discounts
Top car insurance companies in Louisiana have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
6. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in Louisiana. On average, drivers in the
7. Contact an independent agent
Captive agents only represent one insurance company, but an independent agent can provide quotes from multiple insurers. Louisiana drivers overpay for insurance at a higher rate than the rest of the country – spending about $1,100 more per year than they could have in 2018, for example.
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $25,000 in property damage liability, as required by Louisiana’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Louisiana insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of brassy cable car insurance companies in Louisiana is based on data from the Louisiana DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 unlike driver profiles designed to identify the cheapest car indemnity companies for Louisiana drivers in a collection of key categories. For each profile, WalletHub compared quotes among clear Louisiana car insurance companies by averaging premiums from 34 zip code codes that represent at least 20 % of Louisiana ‘s population. Military-specific companies like USAA were lone considered for the military-specific category, due to their eligibility restrictions. In some cases, they may placid be the best choice overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ randomness analysis, in addition to the specific subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Louisiana policy quotes across 40 different driver profiles, using the above variables. Quote data is from Quadrant Information Services and is spokesperson only. individual rates will be different.
Don ’ t forget to include local anesthetic policy companies in your search for brassy car insurance. In Louisiana, regional insurers like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance might have lower rates than national companies like State Farm, Geico, and Nationwide and have comparable customer atonement ratings.Everyone knows that your driving habits and claims history affect how a lot you pay for car policy. But in Louisiana, companies can besides consider your historic period, gender, credit history, marital condition, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.You ’ ll see higher rates if you let your insurance oversight, even if you don ’ thymine own a car. Louisiana drivers who don ’ thymine maintain continuous coverage pay an average of 12 % more than those with five or more years of insurance history.You need liability indemnity to pay for the other driver ’ sulfur expenses if you ’ re at fault in an accident in Louisiana. Collision and comprehensive examination coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based policy might be a better match than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, excessively. Don ’ thyroxine stint on the coverage you need. But make informed choices so you don ’ thyroxine pay more than you have to.Top car insurance companies in Louisiana have a variety of discounts, thus about anyone can find ways to save. You may be able to get a discount if you ’ re a student, veteran, good driver, homeowner, will to go paperless, and more.Car indemnity prices can vary a lot based on zip up code in Louisiana. On average, drivers in the most expensive parts of Louisiana spend over $ 2,500 more per class on car indemnity than those living in the least expensive areas.Captive agents lone represent one insurance party, but an freelancer agentive role can provide quotes from multiple insurers. Louisiana drivers overpay for indemnity at a higher rate than the rest of the state – spending about $ 1,100 more per year than they could have in 2018, for model .