Louisiana's Cheapest Auto Insurance: Best Rates And Deals

Louisiana car insurance costs are on the higher end of the spectrum. On average, Louisiana drivers pay $3,683 per year for full coverage and $953 per year for minimum coverage. This is about 57% more and 49% more than the national averages, respectively.

Based on Bankrate's research, Southern Farm Bureau, USAA and Geico offer some of the cheapest car insurance in Louisiana.

The average cost of full coverage car insurance in Louisiana is $227 per month or $2,719 per year.

Louisiana drivers with a history of speeding tickets or accidents can find cheap coverage with Progressive.

The cheapest car insurance for those with a DUI on their record comes from Southern Farm Bureau, USAA and Progressive.

Cheapest car insurance for young drivers

Young drivers in Louisiana can expect to pay more for car insurance than older adults. The cheapest car insurance companies for young drivers in Louisiana are:

• Southern Farm Bureau: The cheapest option for 16, 17, 18, 19, 21, 25, 35, 60, and 70-year-olds.
• USAA: The cheapest option for 25-year-olds who are military members, veterans, or their families.
• Safeway Insurance: The cheapest option for 16-year-olds.
• Louisiana Farm Bureau: The cheapest option for 17-year-olds.
• GEICO: The cheapest option for 25-year-olds.

Cheapest car insurance for drivers with a DUI

In Louisiana, Southern Farm Bureau offers the cheapest car insurance for drivers with a DUI, with an average rate of $2,212 per year.

Louisiana drivers with a history of speeding tickets or accidents can find cheap coverage with Progressive.

Cheapest car insurance for drivers with a recent accident

Louisiana's car insurance rates are higher than the national average, so finding cheap car insurance in the state can be challenging. The cheapest car insurance company for drivers with a recent accident in Louisiana will depend on factors like the driver's age, gender, location, vehicle, and coverage amount.

According to Bankrate, Southern Farm Bureau has the cheapest average rate for drivers with an at-fault accident on their record in Louisiana. The company's average annual rate for full coverage is $1,751, while its average annual rate for minimum coverage is $674.

MarketWatch also found Southern Farm Bureau to be the cheapest option for drivers with a recent accident. The company's average annual rate for full coverage is $2,448, while its average monthly rate for minimum coverage is $56.

ValuePenguin's findings differ slightly, with USAA and State Farm offering the cheapest average rates for drivers with an at-fault accident in Louisiana. USAA's average annual rate for full coverage is $1,025, while State Farm's average annual rate for full coverage is $2,218.

MoneyGeek, meanwhile, found Louisiana Farm Bureau to be the cheapest option for drivers with an at-fault accident. The company's average annual rate for full coverage is $980.

Cheapest car insurance for drivers with a speeding ticket

Southern Farm Bureau offers the cheapest car insurance in Louisiana for drivers with a speeding ticket, with an average annual rate of $1,966. The most expensive insurer for this group of drivers is Allstate, with an average rate of $5,468 per year.

Cheapest car insurance for drivers with poor credit

If you're looking for the cheapest car insurance in Louisiana for drivers with poor credit, you may want to consider the following companies:

• Southern Farm Bureau
• Safeway Insurance
• Geico
• Allstate

According to Bankrate, drivers with poor credit pay around 90% more for car insurance in Louisiana than drivers with good credit. This is because insurers consider those with a poor credit score to be higher-risk.

The Zebra reports that drivers with poor credit in Louisiana pay 55% more per year than those with exceptional credit.

Louisiana Farm Bureau is also mentioned as the cheapest auto insurance provider in Louisiana for most drivers, so this may be worth looking into as well.

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