Louisiana is the most expensive state in the country for car insurance, with full coverage costing an average of $2,724 per year. Louisiana drivers pay more than $1,000 more for car insurance than the national average, which is $1,674 per year.
Regardless of the state's average premiums, you do not have to pay the maximum amount for coverage. In fact, there are several providers with lower-than-average premiums. We keep track of the most recent rates, coverages, and discounts to find the best cheap car insurance companies in Louisiana that offer the coverage you need for your family at a price you can afford.
Louisiana's cheapest car insurance for 2021
There are several Louisiana auto insurance providers to choose from, but the cost of your coverage will vary greatly depending on which provider you choose and whether you opt for a minimum coverage or full coverage policy. The cheapest car insurance rates vary greatly by state, which is why it is critical to always look for the cheapest providers Louisiana has to offer.
Geico
Geico is not only great for low-cost car insurance in Louisiana, but it is also excellent for claim filing and customer service. Agents are located in several of Louisiana's major cities, making policies more accessible to those who are unfamiliar with the company or who prefer direct communication.
However, even without seeing an agent in person, you can get your insurance questions answered through a virtual in-app agent, available 24/7. Opportunities for car insurance discounts include military, safety, good driver and student discounts.
Geico even supplies a helpful resource page for Louisiana drivers, so you know exactly what you need before you hit the road.
Southern Farm Bureau
You must be a member of your local Farm Bureau to benefit from Southern Farm Bureau car insurance, but annual membership dues are generally affordable, making it well worth it for the low insurance costs.Southern Farm Bureau has an A+ (Superior) financial stability rating from AM Best and is available in six Southern states, including Arkansas, Colorado, Florida, Louisiana, Mississippi, and South Carolina, with local agents to assist with all of your auto insurance needs.
Southern Farm Bureau also provides exclusive local insurance for Louisiana residents, such as rental car coverage, roadside assistance, and personal umbrella coverage.
USAA
USAA, headquartered in nearby San Antonio, Texas, is a car insurance provider that
consistently receives positive customer reviews and high ratings, despite the fact that military status is required for membership.However, for those who qualify for membership and coverage, USAA is also known for having some of the lowest insurance rates in the country, as well as a wide range of insurance options. USAA provides its members with simple mobile tools and valuable resources, but its branch network is limited, with only a few locations.
It is also an insurance provider that caters solely to military and veteran customers, as well as their families, with exclusive discounts designed specifically for its customers, such as savings on military base storage and deployment.
State Farm
State Farm is consistently recognised for its excellent mobile tools, which make it simple to file and track claims. It has excellent customer service, as evidenced by its high customer ratings, and it has an A (Excellent) rating from AM Best for financial stability.
Rental car coverage, travel expenses, roadside assistance, and rideshare driver coverage are all options with State Farm's cheap car insurance in Louisiana. There are numerous discounts available to help lower those higher Louisiana rates, including multi-policy, claims-free, safe driving, and student discounts.Students at the University of Louisiana at Lafayette, for example, or one of the state's many other schools or universities, could save up to 25% on premiums until the age of 25, as long as they maintain a B or 3.0 average.
Progressive
Progressive offers numerous ways to save, including its Snapshot programme, which rewards safe driving, and the Name Your Price Tool, which allows you to control how much you pay for car insurance each year, with accident forgiveness for both minor and major accidents.
There are also savings when you keep your coverage continuous, as well as loyalty discounts when you bundle multiple cars and policies. Progressive also makes it simple to bundle home, condo, flood, and personal insurance. There is even classic car insurance available for your antique vehicle.
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