- 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.
Car insurance companies consider your location, age, gender, and driving record to calculate rates for premiums. Other factors like credit score, marital status, vehicle type, previous coverage, and miles driven can all play a role in the amount you'll pay for coverage.
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 based on market share
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 Market 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):
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.
| Excellent credit (FICO 800+) | Good credit (FICO 670-739) | Poor credit (300-579) |
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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 |
Data from S&P Global Market 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.