Best Car Insurance in Louisiana for 2025

From music and Mardi Gras in New Orleans to the peacefulness of the bayous, Louisiana residents have a lot of reasons to explore the Pelican State by road. But despite having a relatively low cost of living, Louisiana has above-average car insurance rates.

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Key takeaways

The best car insurance in Louisiana is USAA, which costs $156 per month for full coverage insurance.
Drivers with a clean driving record pay an average of $224 per month for full coverage in Louisiana.
Drivers who live in New Orleans pay an average of $263 per month for full coverage.

Best car insurance companies in Louisiana

In Louisiana, full coverage car insurance costs an average of $224 per month and $125 for minimum insurance.

Provider	J.D. Power customer satisfaction rating	Estimated monthly full coverage	Estimated monthly minimum liability coverage
USAA	876/1,000	$156	$116
State Farm	847/1,000	$124	$92
Progressive	836/1,000	$205	$135
Allstate	832/1,000	$202	$150
GEICO	828/1,000	$204	$154

USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction rating in Louisiana. It is one of the state's most affordable full coverage providers and has some of the most affordable minimum coverage. USAA offers standard policies and discounts, but only current and former military members and their families are eligible for a policy.

Pros

USAA had the cheapest full coverage in Louisiana
It offers various discounts, including up to 15% if you garage your car on base

Cons

USAA policies are not available to everyone
You may find more discount and coverage options with a competitor

Get a quote now | USAA review

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Drivers who switch their auto insurance and save with State Farm save $764 on average!

State Farm: Best for new drivers

For full coverage insurance, teen drivers in Louisiana pay a staggering average of $440 per month for full coverage. State Farm was not the lowest-cost option on our list of the best car insurance companies, but it has a variety of policies and discounts, including those specifically for new drivers, who could save as much as 25%.

Pros

State Farm has multiple agents and offices throughout Louisiana
It had below-average prices for both full and minimum car insurance

Cons

You may find more options or discounts with a competitor
State Farm was third place in customer satisfaction in the state

Get a quote now | State Farm review

Allstate: Best for coverage options

Allstate has extensive coverage options, including rideshare, gap coverages, and a vanishing deductible. It also has multiple discounts, including driving a new car or installing anti-theft devices. Despite its numerous options, it was still one of the most expensive carriers for minimum coverage, charging an average of $150 per month.

Pros

Allstate offers multiple policy add-ons, including a vanishing deductible program
It has multiple agents throughout Louisiana

Cons

Allstate was the one of the most expensive options on our list
It had the second-lowest customer satisfaction scores in the state

Get a quote now | Allstate review

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GEICO: Best for senior drivers

Senior drivers in their 60s in Louisiana pay an average of $197 for full coverage. Although GEICO was not the cheapest option available in Louisiana, it does provide discounts and policies specifically for seniors, including a guaranteed renewal program for customers over 50. Additionally, it also offers defensive driving and retired government and military discounts.

Pros

GEICO had lower car insurance rates in Louisiana than some other carriers
It has multiple policy and discount options specifically for people over 50

Cons

GEICO earned the lowest customer satisfaction score in the state
It has limited agents in Louisiana

Get a quote now | GEICO review

Louisiana auto insurance requirements

Drivers in Louisiana are required to carry liability coverage on any vehicle they own. Each vehicle must have:

$15,000 bodily injury coverage for one person
$30,000 bodily injury coverage for more than one person
$25,000 for property damage to someone else's property

How to choose a car insurance provider in Louisiana

When you're looking for a new car insurance provider, keep a few things in mind to help you get the best insurance at the best price:

Check financial stability: Before starting a new car insurance policy, check its ability to pay claims on a website like Standard & Poor's or AM Best. It's also wise to check with the Louisiana Department of Insurance or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed in Louisiana.
Check pricing and discounts: Get quotes from multiple companies to compare pricing. Double-check that you received every discount you qualify for and that the policy amounts and coverage options are similar for an accurate comparison.
Read customer reviews: As you research, pay attention to customer reviews and look for a company that is easy to work with, handles claims quickly, and is good at answering questions.

How much does car insurance cost in Louisiana?

The average cost of car insurance in Louisiana is $224 per month for full coverage and $125 per month for minimum coverage. Comparatively, the national average for full coverage insurance is just $193 per month.

Drivers in Shreveport tend to pay the least for car insurance, an average of $210 per month for full coverage. New Orleans drivers tend to pay the most, with a monthly average of $263.

Louisiana car insurance rates by city

Insurance premiums in Louisiana tend to be higher than in other parts of the country. This can lead to even higher insurance rates in more populated cities since there's a higher likelihood of accidents or vehicle damage.

City	Avg. monthly full coverage premium
New Orleans	$263
Baton Rouge	$272
Lake Charles	$226
Slidell	$232
Lafayette	$220
Shreveport	$210

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Louisiana

What are the minimum car insurance coverage requirements in Louisiana?

In Louisiana, each vehicle must have insurance coverage with at least a minimum of $15,000 for bodily injury to one person and $30,000 for bodily injury to more than one person. Drivers must also have $25,000 for property damage.