1. States
  2. Louisiana
  3. Cheapest Auto Insurance Quotes

Cheapest Louisiana Auto Insurance Quotes

Enter your Louisiana zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Nov 21, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The words “cheap” and “insurance” really should not be used together, specifically when you are shopping around for the best price on coverage in Louisiana. Because it’s not cheap, let’s get started by showing you some situations that influence auto insurance premiums, and see how we can help you cut the cost of your next policy.

One of the many components that are used to help calculate the cost of insurance is where you live in Louisiana. Areas with increased crime or more people like New Orleans, Terrytown, and Shenandoah tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates get the luxury of paying less.

The table below lists the most costly cities in Louisiana in which to purchase auto insurance.

Most expensive Louisiana cities for auto insurance
Rank City Average Per Year
1 New Orleans $2,943
2 Harvey $2,563
3 Terrytown $2,530
4 Marrero $2,469
5 Shenandoah $2,204
6 Prairieville $2,191
7 Metairie $2,166
8 Kenner $2,159
9 Baton Rouge $2,143
10 Central $2,135
11 Hammond $2,065
12 Alexandria $2,034
13 Laplace $1,991
14 Monroe $1,989
15 Slidell $1,977
16 Sulphur $1,974
17 Lake Charles $1,974
18 Lafayette $1,936
19 New Iberia $1,928
20 Shreveport $1,894
21 Houma $1,865
22 Natchitoches $1,817
23 Bayou Cane $1,782
24 Bossier City $1,780
25 Ruston $1,720
Find Cheaper Insurance Go

Table data uses comparative as specific location information can alter prices significantly.

The vehicle you are seeking coverage for is one of the primary factors when comparing the cheapest Louisiana auto insurance quotes. Vehicles with high performance engines, a lack of advanced safety features, or high incidents of liability claims will cost substantially more to insure than more modest models.

The data below estimates insurance costs for the cheaper vehicles to buy coverage for.

Insurance Rates for Popular Cars in Louisiana
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $1,202 $601 $100
Ford Focus SE 2-Dr Coupe $1,348 $674 $112
Honda Accord LX 4-Dr Sedan $1,016 $508 $85
Honda Civic VP 4-Dr Sedan $1,238 $619 $103
Hyundai Elantra SE 4-Dr Sedan $1,264 $632 $105
Kia Optima SX $1,374 $687 $115
Nissan Altima 3.5 SR 4-Dr Sedan $1,290 $645 $108
Toyota Camry LE $1,202 $601 $100
Toyota Corolla S $1,264 $632 $105
Get a Custom Quote for Your Car Go

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in specific zip code location which can modify coverage prices greatly.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Insurance Rates for Popular SUVs and Crossovers in Louisiana
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX AWD $1,104 $552 $92
BMW X5 3.0I AWD $1,316 $658 $110
Cadillac Escalade Hybrid Platinum 2WD $1,728 $864 $144
Chevrolet Traverse LT AWD $1,130 $565 $94
Ford Escape Limited 2WD $1,042 $521 $87
Ford Explorer Limited 4WD $1,228 $614 $102
GMC Acadia SLE AWD $1,202 $601 $100
Honda CR-V EX-L 2WD $1,042 $521 $87
Honda Pilot Touring 2WD $1,228 $614 $102
Hyundai Tucson Limited 2WD $1,202 $601 $100
Jeep Grand Cherokee Laredo 4WD $1,202 $601 $100
Kia Sportage LX 4WD 4-Dr $1,202 $601 $100
Subaru Forester XT Limited Edition W/Navigation AWD $1,218 $609 $102
Toyota Highlander Hybrid 4WD $1,316 $658 $110
Toyota RAV4 Sport 2WD $1,202 $601 $100
Get a Custom Quote for Your SUV or Crossover Go

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in Louisiana location which can raise or lower auto insurance rates significantly.

Auto Insurance Rates for Popular Pickup Trucks in Louisiana
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD $1,462 $731 $122
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $1,342 $671 $112
Chevrolet Silverado LS Crew Cab 4WD $1,290 $645 $108
Dodge Ram 3500 Mega Cab Laramie 4WD $1,792 $896 $149
Dodge Ram Quad Cab ST 2WD $1,224 $612 $102
Ford F-150 Lariat Crew Cab 2WD $1,228 $614 $102
GMC Canyon SLT Crew Cab 2WD $1,264 $632 $105
GMC Sierra SLT Extended Cab 4WD $1,290 $645 $108
Toyota Tacoma 4WD $1,140 $570 $95
Toyota Tundra SR/5 Double Cab 2WD $1,286 $643 $107
Get a Custom Quote for Your Truck Go

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower premiums significantly.

Deciphering which companies quote the most affordable auto insurance rates in Louisiana may require a little more effort than just quoting one company’s rates. Each insurer uses a little different formula to set policy rates, so we need to take a look at the auto insurance companies with the overall cheapest rates in Louisiana.

Enter your zip code below to view companies that have cheap auto insurance rates.

Rankings for the cheapest Louisiana auto insurance companies
Rank Company Cost Per Year
1 USAA $1,642
2 GEICO $1,907
3 MetLife $1,910
4 Progressive $1,927
5 Safeway $2,132
6 California Casualty $2,246
7 Southern Farm Bureau $2,248
8 State Farm $2,431
9 Safe Auto $2,627
10 Allstate $3,035
11 Encompass $3,234
12 Liberty Mutual $3,719
Quote Your Rates Go

USAA quotes some of the cheapest car insurance rates in Louisiana at around $1,642 per year. GEICO, MetLife, Progressive, and Safeway also are some of the best Louisiana car insurance companies.

In the above rates, if you currently have a policy with GEICO and switched to USAA, you could see a yearly savings of in the neighborhood of $265. Louisiana drivers with MetLife may save as much as $268 a year, and Progressive customers might cut rates by $285 a year.

To compare your rates to other Louisiana insurance companies, click here to get a free quote or visit any of the low-priced companies below.

Enter your zip code below to view companies that have cheap auto insurance rates.

Understand that those premiums are averages for all insureds and vehicles and do not factor in a rate decrease in Louisiana. So the auto insurance company that is best for you may not even be featured in the above rate chart. That is why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

Rate difference between full and liability-only coverage

Finding the cheapest Louisiana auto insurance quotes is the goal of most people, and an easy way to find cheap insurance is to not pay for full coverage. The example below visualizes the comparison of car insurance rates when comparing full coverage to liability only. The rates are based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are factored in.

If we average all the age groups together, comprehensive and collision coverage on your policy costs an additional $3,620 per year over and above liability only. That is a large expense which might make you wonder if buying full coverage is worth the expense. There is no clear-cut formula of when to stop paying for full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

There are some scenarios where buying only liability insurance is not advised. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should maintain full coverage.

Discounts on Louisiana insurance

Save on auto insurance for drivers in LouisianaInsurance companies that offer the cheapest Louisiana auto insurance quotes may also provide special discounts that can lower rates by as much as 35% or more if you are eligible. The best auto insurance companies and a partial list of their discounts can be found below.

  • GEICO may offer discounts for emergency military deployment, military active duty, anti-lock brakes, anti-theft, and federal employee.
  • Mercury Insurance may include discounts for professional/association, location of vehicle, multi-policy, age of vehicle, good student, and low natural disaster claims.
  • Farmers Insurance policyholders can earn discounts including business and professional, multi-car, bundle discounts, homeowner, mature driver, and distant student.
  • Auto-Owners Insurance offers discounts including safe vehicle, anti-theft, air bags, multi-policy, paperless, paid in full, and student away at school.
  • Liberty Mutual includes discounts for new graduate, preferred payment discount, exclusive group savings, newly married, safety features, teen driver discount, and multi-policy.
  • SAFECO offers premium reductions for drive less, teen safety rewards, multi-car, anti-lock brakes, anti-theft, and homeowner.
  • Progressive discounts include multi-vehicle, multi-policy, continuous coverage, online quote discount, and good student.
  • USAA has savings for safe driver, good student, loyalty savings, family discount, multi-policy, and multi-vehicle.

The information below shows the difference between yearly insurance costs with and without discounts applied to the premium. The costs are based on a female driver, no violations or claims, Louisiana state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, vehicle safety, passive restraint, multiple vehicle, accident-free, and claim-free discounts applied. With discounts applied, the average amount saved on auto insurance in Louisiana is 28% or $696.

Low rates today, overpriced tomorrow

Louisiana auto insurance rates are influenced by many factors that will increase or decrease the policy premium. Simply getting older, moving to a different location, or getting a reckless driving citation may cause policy rate changes resulting in some companies being cheaper than before.

Not only that, but companies file new Louisiana auto insurance rates as often as every three months to adjust for heavy claims or excess profits. A period of higher than normal claims may cause increased rates, while lower claim levels may result in cheaper Louisiana car insurance rates.

The graph below shows which company has the cheapest car insurance in Louisiana for a 40-year-old male driver with no prior claims, no tickets, and excellent credit. If we look at prices based on his personal risk profile, USAA may offer the cheapest car insurance rates in Louisiana at $1,578 per year. This is $836 less than the average policy premium paid by Louisiana drivers of $2,414. MetLife, GEICO, Progressive, and Safeway are also included in the top five cheapest Louisiana auto insurance companies.

In this example, we will give the driver in the first example an accident surcharge, a lower credit rating, and a couple of points charged on his driving record. Since each auto insurance company uses a different method for filing rates in each state, getting updated rate quotes may result in a different set of the cheapest Louisiana car insurance companies as shown below.

California Casualty now has the lowest price on auto insurance in Louisiana with State Farm, Safe Auto, GEICO, and MetLife now being in the top five. This demonstrates why Louisiana drivers need to shop around with many companies when trying to get the best insurance rates in Louisiana. Prices can be altered by many risk factors and can change without notice, so the most affordable company a year ago may now be wasting a lot of money.

How to find the cheapest auto insurance in Louisiana

Here are many penny-pinching solutions that can help drivers quote low-cost car insurance.

  • Buy vehicles with good safety ratings
  • Bundle car and home insurance and save money
  • Don’t have frequent claims
  • Serious violations like DUI or reckless driving can increase rates dramatically
  • At-fault accidents will increase rates
  • Keep rates low by shopping around frequently

The last tip is notably important, as we hit on in this article. Car insurance prices in Louisiana vary greatly, so drivers shouldn’t hesitate to change to a new company if you find a better deal. Brand loyalty is great, but is isn’t recommended if that inflexibility results in costing you money that could be used for better things. In just a couple of minutes you could shop around and find cheaper insurance in Louisiana.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles