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Louisiana has some of the highest car insurance rates in the country, with average annual premiums over $4,300. But drivers looking for the cheapest car insurance in Louisiana can often do much better than that. Here is an overview of the companies that offer the best car insurance rates for several common driver profiles.

  • Less expensive for typical drivers: Louisiana Agricultural Bureau Insurance
  • Cheaper for drivers with previous accidents: Louisiana Agricultural Bureau Insurance
  • Cheaper for drivers with speeding tickets: Louisiana Agricultural Bureau Insurance
  • Cheapest for young drivers: Louisiana Agricultural Bureau Insurance
  • Cheapest for senior drivers: Safeway Insurance
  • Cheapest for drivers looking for minimal coverage: Geico
  • Cheaper for drivers with bad credit: Safeway Insurance

Cheaper for typical drivers

The average female driver with a clean record pays about $3,452 a year for car insurance in Louisiana, and the average driver pays $3,543 a year. But those who choose Louisiana Farm Bureau Insurance pay a much lower rate. Women pay around $2,349 per year while men only pay $2,315 per year.

These companies also top the list of best auto insurance companies in Louisiana:

  • Safeway Insurance, where female drivers pay $2,513 per year and men pay $2,568 per year
  • Progressive, which has an average annual premium of $2,874 for female drivers and $3,040 for male drivers

Cheaper for drivers with previous accidents

A single accident drives the average Louisiana auto insurance premium to $5,099 per year. Once again, Louisiana Farm Bureau Insurance offers the most affordable rate, with an average annual premium of $2,710.

These insurers also offer the best auto insurance in Louisiana for drivers with accident histories:

  • Safeway Insurance, which bills these drivers about $3,178 per year
  • Safe Auto Insurance, where these drivers pay around $4,413 per year

Cheaper for drivers with speeding tickets

Louisiana Farm Bureau is also a great choice for those with speeding tickets. Its average annual premium for drivers with a speeding ticket is just $2,423. That’s well below the state average of $4,460 for such drivers.

These companies also offer low-cost auto insurance in Louisiana for drivers with speeding tickets:

  • Safeway Insurance, where these drivers pay around $2,628 per year
  • Progressive, where these drivers pay around $3,972 a year for car insurance in Louisiana

Cheaper for young drivers

Teen drivers pay an average of $10,271 a year for car insurance in Louisiana. But fortunately, several companies offer much lower rates, including Louisiana Farm Bureau Insurance. Its average rate for these drivers is only $5,420 per year.

Teenagers can also find cheap car insurance in Louisiana through these companies:

  • Allstate, where the average 18-year-old driver pays $6,405 a year for car insurance in Louisiana
  • Safe Auto Insurance, which charges teens about $7,736 per year on average

Cheaper for senior drivers

The typical 65-year-old driver with a clean record pays $3,379 a year for auto insurance in Louisiana. This time, Safeway is offering the best rate. It only bills seniors about $2,186 a year.

Seniors can also get cheap car insurance quotes in Louisiana through these companies:

  • Louisiana Farm Bureau Insurance, which bills seniors about $2,236 a year
  • Safe Auto, where seniors pay about $3,019 for car insurance in Louisiana

Cheapest for drivers looking for minimal coverage

Minimum auto insurance in Louisiana costs drivers about $1,167 per year. However, Geico offers the same coverage for about half the cost – $665 per year.

These companies also offer cheap liability insurance in Louisiana:

  • Louisiana Farm Bureau, where minimum coverage costs $872 per year
  • Progressive, which charges about $914 per year for minimum auto insurance in Louisiana

Cheaper for drivers with bad credit

Drivers with bad credit pay about $5,867 a year for car insurance in Louisiana. But those who choose Safeway can find coverage for a more reasonable $3,102 per year.

Those with bad credit can also find affordable auto insurance in Louisiana from these insurers:

  • Louisiana Farm Bureau Insurance, which charges drivers with bad credit about $3,477 per year on average
  • Safe Auto Insurance, where these drivers pay an average of $4,491 per year

Average cost of car insurance in Louisiana compared to the national average

How much does car insurance cost in Louisiana? It depends on several factors, including the age of the driver, accident history, make and model of the vehicle, etc. But unfortunately, Louisiana rates tend to be well above average. Here’s a look at how its rates for some of the profiles listed above compare to the rest of the country.

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