- Louisiana is the most expensive state for car insurance with drivers paying $1443.72 per year, on average.
- Shopping around for your auto insurance is the best way to save and to get the best coverage for your money.
- GEICO offers the most affordable coverage at every credit level.
- Check out our partner Savvy — a free tool that lets you compare car insurance quotes in minutes »
Louisiana is the most expensive state for car insurance in the US, according to the Insurance Information Institute, with the average driver spending about $1,443 per year on premiums.
"Louisiana remains among the most expensive states for car insurance because of a number of factors, including a high rate of uninsured drivers as well as a high rate of auto litigation," writes The New Orleans Advocate.
Auto insurance costs can vary widely from person to person, and there are many factors that go into them.
Things like your age, gender, and your credit score can all influence your premium, or the amount you'll pay for coverage. Each company uses a different formula to consider these factors, so you'll want to get a few different quotes to see which company offers you the best price.
As it is in every state, the best way to get a good deal on car insurance is always to shop around. It's important to make sure that you're getting the best deal for you, so you'll want to get several quotes from different companies and compare them.
The most popular car insurance companies in Louisiana
The following are the most popular car insurance companies in Louisiana, based on the percentage of insured Louisiana drivers who use them:
| Company | Market share (%) |
| State Farm | 29.51 |
| Progressive | 16.43 |
| GEICO | 11.70 |
| Allstate | 11.05 |
| USAA* | 6.02 |
| Southern Farm Bureau Casualty | 5.00 |
| Liberty Mutual | 4.05 |
| GoAuto Insurance Co. | 3.34 |
| National General Holdings | 2.14 |
| Shelter Insurance | 1.43 |
| Safeway Insurance | 1.40 |
| Old American | 1.14 |
| American National | 0.95 |
| MetLife | 0.84 |
| Kemper | 0.69 |
| The Hartford | 0.55 |
| Auto Club Exchange | 0.52 |
| The Hanover Insurance | 0.42 |
| Horace Mann | 0.41 |
| LA Farm Bureau Mutual | 0.38 |
| Root Insurance Co. | 0.31 |
| American Family Insurance | 0.29 |
| AmTrust Financial | 0.24 |
| Markel | 0.15 |
| Farmers Insurance | 0.15 |
*USAA is only for active military, veterans, and their families.
Data from S&P Global Intelligence
The best car insurance in Louisiana based on customer satisfaction
Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Southeast region (which includes Louisiana):
- Farm Bureau Insurance TN
- Erie Insurance
- Alfa Insurance
- GEICO
- Auto-Owners Insurance
- North Carolina Farm Bureau
- Kentucky Farm Bureau
- Region Average
- Progressive
- Allstate
- Safeco
- State Farm
- Farmers
- National General
- Nationwide
- Travelers
- Liberty Mutual
- MetLife
The best cheap car insurance in Louisiana based on credit score
Consumer Reports compiled data from all auto insurance companies in every state, and looked at how their algorithms price premiums. It worked out the average premium for a single driver with three different credit types in Louisiana, and found that these three companies had the best rates for each credit category.
Here are the companies that offer the best cheap car insurance for drivers with excellent credit, FICO scores 800-850, and the average premium for a single adult driver, based on Consumer Reports' data.
- GEICO car insurance: $1,215 per year
- USAA car insurance: $1,418 per year
- State Farm car insurance: $1,767 per year
For those with good credit, FICO scores 670-739, along with the average premium for a single adult driver:
- GEICO car insurance: $1,464 per year
- USAA car insurance: $1,623 per year
- State Farm car insurance: $2,077 per year
Drivers with poor credit scores, FICO scores 300-579, are likely to pay the most for car insurance. In Louisiana, Consumer Reports suggests that these are the three most affordable companies for low-credit drivers, listed with the average premium for a single adult driver.
- GEICO car insurance: $2,301 per year
- Louisiana Farm Bureau car insurance: $3,056 per year
- State Farm car insurance: $3,516 per year
The best car insurance for drivers with a clean record
For a driver in Louisiana age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| Root | $143 |
| Safeauto | $161 |
| State Farm | $189 |
| GEICO | $192 |
| Esurance | $226 |
| Progressive | $233 |
| USAA* | $248 |
| Allstate | $249 |
| Liberty Mutual | $271 |
| Safeco | $282 |
*USAA is only for active military, veterans, and their families.
Above data obtained from Savvy, based on 1,343 policyholders in the state of Louisiana
Best car insurance for one or more accidents on record
For a driver in Louisiana age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| State Farm | $185 |
| GEICO | $213 |
| Esurance | $234 |
| Allstate | $243 |
| Progressive | $252 |
Above data obtained from Savvy, based on 1,343 policyholders in the state of Louisiana
Louisiana car insurance rates by city
Below is the estimated average annual premium of auto insurance policies per household in Louisiana's most populous cities:
| City | Average annual insurance premium |
| New Orleans | $1,268 |
| Baton Rouge | $1,271 |
| Shreveport | $1,215 |
| Metairie CDP | $1,372 |
| Lafayette | $1,268 |
| Lake Charles | $1,274 |
| Kenner | $1,349 |
| Bossier City | $1,288 |
| Alexandria | $1,285 |
| Monroe | $1,199 |
| Houma | $1,260 |
| Marrero CDP | $1,249 |
| Prairieville CDP | $1,603 |
| Slidell | $1,349 |
| New Iberia | $1,199 |
| Laplace CDP | $1,373 |
| Central | $1,448 |
| Terrytown CDP | $1,295 |
| Ruston | $1,203 |
| Chalmette CDP | $1,302 |
| Harvey CDP | $1,258 |
| Hammond | $1,292 |
| Sulphur | $1,346 |
| Bayou Cane CDP | $1,284 |
| Natchitoches | $1,135 |
| Shenandoah CDP | $1,520 |
| Gretna | $1,252 |
| Zachary | $1,465 |
| Estelle CDP | $1,418 |
| Opelousas | $1,054 |
| Pineville | $1,313 |
| Thibodaux | $1,232 |
| River Ridge CDP | $1,402 |
| Baker | $1,286 |
| Bayou Blue CDP | $1,314 |
| West Monroe | $1,198 |
| Mandeville | $1,449 |
| Belle Chasse CDP | $1,431 |
| Crowley | $1,160 |
| Moss Bluff CDP | $1,430 |
Data from S&P Global Intelligence
Who gets the best cheap car insurance in Louisiana?
The person who gets the best car insurance rate in Louisiana is going to be someone who has a great credit score, according to Consumer Reports' calculations above.
While it might be worth working to raise your credit score before getting your car insurance, it's also a good idea to shop around to see who offers the best rate for you.
You'll want to get several quotes, and compare them to see which offers the best premiums and more. You'll also have to look past the premium to find the best coverage — consider the different coverage types and each of their respective limits, and what the deductible will be that you'll have to pay out of pocket if you get into an accident.
Shopping around can help you to find the best rate for your specific situation, and might help you save a few dollars in the process, too.