The best car insurance in Louisiana comes from providers that offer affordable rates and good coverage. For reliable coverage in Louisiana, we at the Guides Auto team recommend State Farm, USAA Liberty Mutual, Geico and Louisiana Farm Bureau.
Best Car Insurance in Louisiana
To rank the best car insurance companies in Louisiana, we considered cost averages from Quadrant Information Services along with customer ratings for service and reliability. Our scores, which rank providers on a 10-point scale, also incorporate discount options, policy features and availability.
Compare Louisiana Auto Insurance
Each of our recommended providers offers at least these six standard coverages options:
Compare our top picks for Louisiana car insurance below. You can see our overall score along with scores in different categories for each provider.
*Our research team considers nationwide factors when rating providers. The ranking order of providers in this table is specific to car insurance in Louisiana.
To see how real people feel about different insurance companies, our team polled nearly 7,000 car insurance customers. The survey results contributed to our customer experience score. All the companies we recommend in Louisiana were included in the survey. In addition to our consumer survey, we also compare industry ratings from the following sources:
- Better Business Bureau (BBB) ratings
- AM Best financial strength ratings
- J.D. Power consumer studies
Best Car Insurance Companies in Louisiana
Below, we take an in-depth look at each of our top recommendations for the best car insurance in Louisiana.
#1 State Farm: Editor’s Choice
J.D. Power score: 855/1,000
AM Best financial strength rating: A++
BBB rating: B
State Farm is our top pick for the best car insurance in Louisiana. The company offers plenty of coverage options and is the most popular provider in Louisiana, according to the National Association of Insurance Commissioners (NAIC).
Our team reached out to State Farm for comment on its BBB customer review score but did not receive a response.
State Farm Insurance Coverage
Beyond the six standard car insurance coverage options we outlined above, State Farm offers the following:
- Emergency road service coverage
- Car rental and travel expense coverage
- Rideshare insurance
- Classic car insurance
State Farm is unique because it offers multiple programs that help drivers save money. Drive Save & Save is a usage-based program that can award discounts of up to 30% for good drivers. Beyond that, State Farm has a program called Steer ClearⓇ, which helps young drivers hone their skills and also awards discounts. This program is available to drivers under the age of 25.
State Farm Reputation
State Farm has a reputation for reliable customer service, which is one reason it’s the most popular provider in Louisiana. It scored above average in both the J.D. Power 2022 U.S. Auto Insurance Study and the 2022 U.S. Auto Claims Satisfaction Study. In our survey, customers rated their overall satisfaction with State Farm as 4.2 out of 5.0.
#2 USAA: Low Rates for Military
J.D. Power score: 886/1,000
AM Best financial strength rating: A++
BBB rating: Not Rated
If you’re a military member or veteran, USAA offers some of the best car insurance in Louisiana. USAA is also available to spouses and children of military members or veterans. In our research, we found that USAA is often the cheapest car insurance company option for those who qualify. According to the U.S. Department of Veterans Affairs, veterans make up 6.5% of the population in Louisiana, so USAA is available to many drivers in the state.
Our team reached out for comment from USAA on its rates for drivers with a conviction for driving under the influence (DUI) but did not receive a response.
USAA Coverage Options
USAA has all the standard car insurance options plus a few upgrades like roadside assistance and rental car reimbursement. The company’s roadside assistance covers towing, spare tire installation, battery jump-start, fuel delivery, lockout services and winching. It can help make a breakdown less of a hassle.
USAA offers a usage-based program in Louisiana called SafePilot. If you’re a safe driver, you could save up to 30% on your auto insurance policy with the program.
If you drive for a company like Uber, you can get rideshare insurance from USAA. Finally, USAA partners with American Collectors Insurance to provide classic car insurance.
USAA Car Insurance Reputation
USAA is known for reliable service. The company scored 886 out of 1,000 on the J.D. Power 2022 U.S. Auto Insurance Study℠ for the Southeast region. This survey covered satisfaction with the billing process, policy offerings, price, claims and interaction. USAA also scored 890 out of 1,000 on the J.D. Power 2022 U.S. Auto Claims Satisfaction Study℠, which shows most customers had positive claims experiences.
In our own consumer survey, USAA scored 4.3 out of 5.0 for overall satisfaction. Customers also rated the company’s customer service 4.2 out of 5.0.
#3 Liberty Mutual: Good Programs for Young Drivers
J.D. Power score: 831/1,000
AM Best financial strength rating: A
BBB rating: A+
Comparing multiple quotes is a good way to find the best car insurance in Louisiana, and Liberty Mutual is a great company to have on your list. Liberty Mutual’s standout features include a variety of unique coverage options and good discounts for young drivers, who often face higher premiums as a result of being considered high-risk.
Our team reached out to Liberty Mutual about its customer review score on the BBB but did not receive a response.
Liberty Mutual Coverage
If you’re looking for the most coverage options, look no further than Liberty Mutual. The provider offers a huge range of options for drivers to choose from. Of course, the company provides standard car insurance policy options like liability insurance or full-coverage insurance. Beyond that, you can get:
- New car replacement: This option pays to replace your car with a brand new one if your vehicle is totaled within the first year.
- Better car replacement: This option replaces your car with a car one year newer with 15,000 fewer miles.
- Lifetime repair guarantee: With this coverage, Liberty Mutual will arrange repairs for your car at an approved facility and guarantee repairs for life.
- Rental car reimbursement: This option covers the cost of a rental car up to a limit after an accident. If you visit an approved repair facility, Liberty Mutual will cover the rental for the entire repair period.
- Roadside assistance: This coverage provides services like lockout assistance and fuel delivery if you get stuck on the side of the road.
- Gap insurance: If you owe more than your car is worth, this covers the difference in the case of a total loss.
- Original parts replacement: This option ensures repairs include original equipment manufacturer (OEM) parts if they are available.
- Teachers’ insurance: This coverage waives your deductible in certain situations and covers $2,500 of teaching materials.
- Mexico insurance: Liberty Mutual provides coverage options for vehicles traveling to Mexico.
That’s a lot of choices. To top it off, Liberty Mutual offers a usage-based program called RightTrack®, which gives safe drivers discounts of up to 30%.
Liberty Mutual Reputation
Overall, Liberty Mutual has a solid reputation. The company has a financial strength rating of A from AM Best and an A+ from the BBB. It also scored 4.1 out of 5.0 in our consumer survey for overall satisfaction. However, reviews from customers on the BBB are mixed for Liberty Mutual.
#4 Geico: Affordable for Most Drivers
J.D. Power score: 843/1,000
AM Best financial strength rating: A++
BBB rating: A+
Geico is another solid choice if you’re looking for the best car insurance in Louisiana. Geico has been around since 1936 and has strong industry ratings. It also offers a wide variety of discounts, including discounts for veterans, government employees and students.
Our team reached out to Geico for comment on its J.D. Power scores but did not receive a response.
Geico Auto Insurance Coverage
Geico offers plenty of coverage options for a variety of situations. Whether you just want minimum coverage for an older vehicle or full-coverage car insurance, you can find it with Geico. Extra options from Geico include rental car reimbursement and emergency roadside assistance.
Geico also offers mechanical breakdown insurance, which is similar to an extended warranty. This coverage repairs certain parts in your car after a mechanical failure. Not many insurance companies offer this type of coverage.
Lastly, if you have a classic car, you can get coverage from American Modern through Geico. Classic car insurance is based on an agreed value of the vehicle that is reviewed annually. Geico can also cover spare parts for the vehicle you may have purchased.
Having been in business since 1936, Geico has a strong reputation in the industry. The company has an A++ financial strength rating from AM Best and an A+ rating from the BBB. However, it scores about average on the 2022 Auto Insurance Study and 2022 Claims Satisfaction Study from J.D. Power. In our consumer survey, Geico scored 4.1 out of 5.0 for overall satisfaction.
#5 Louisiana Farm Bureau
J.D. Power score: Not Rated
AM Best financial strength rating: A+
BBB rating: Not Rated
Louisiana Farm Bureau rounds out our list of the best car insurance in Louisiana. Our averages show Louisiana Farm Bureau offers affordable car insurance premiums for many drivers in the state.
You don’t have to be a farmer to get coverage but you do need to pay a small annual fee to become a member. Louisiana Farm Bureau represents the agricultural industry in the state, and members get discounts on vehicles, equipment, travel and more. Louisiana Farm Bureau is a member organization of Southern Farm Bureau.
Louisiana Farm Bureau Coverage
Louisiana Farm Bureau offers basic options like bodily injury liability and comprehensive coverage. You can get the state minimum or a full-coverage policy from the company. As far as extra coverage options go, Louisiana Farm Bureau offers rental car coverage and roadside assistance.
Safe Louisiana drivers can decrease their deductibles with DriveDown, the company’s usage-based program. DriveDown tracks your driving habits and rewards you for being a safe driver. In return, you get discounts on your deductible. You’ll get a 5% discount on your deductible just for signing up.
Louisiana Farm Bureau Reputation
The insurance program at Louisiana Farm Bureau began in 1950, and today the federation has offices in each of the 64 parishes in the state. Louisiana Farm Bureau has an A+ financial strength rating from AM Best, which means it can handle its claims obligations easily. However, the company is not rated by the BBB.
How To Find the Best Car Insurance in Louisiana
Here are a few ways to find the right insurance in Louisiana.
Know Louisiana Car Insurance Requirements
If you’re looking for the cheapest car insurance available, you’ll want to go with the state’s minimum coverage. Louisiana requires liability coverage limits of 15/30/25. This means:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $25,000 property damage liability per accident
The coverages above compensate other drivers following an at-fault accident — a car accident that you caused.
Consider Lender Requirements
If you have a loan on your car, you’ll need to get full-coverage insurance. This is because the lender has an interest in protecting your car until you pay it off. Full-coverage insurance includes comprehensive coverage and collision coverage. Average car insurance rates for full coverage are more expensive than minimum coverage in Louisiana.
Find the Right Discounts
Another tip for finding the best car insurance in Louisiana at the cheapest rates is to look for the right discounts. For example, one company may offer a better bundling discount, while another might offer a better military discount. It all depends on your situation. Compare car insurance companies to find which one offers the best discounts.
Average Cost of Car Insurance in Louisiana
According to rate averages from Quadrant Information Services, 35-year-old good drivers in Louisiana pay about $2,783 per year or $232 per month for car insurance. This is much more than the national average of $1,730 per year.
Keep in mind that there are several factors that go into determining insurance rates in addition to age and driving record. Where you live in Louisiana, the age of your vehicle and whether you have good credit or poor credit are examples of items that insurers take into account.
Car insurance in Louisiana is expensive for most drivers for many reasons — for example, the state has densely populated areas, and about 11.7% of drivers are uninsured according to the Insurance Information Institute.
Louisiana Car Insurance Costs by City
Car insurance costs in Louisiana vary greatly depending on your area. You’ll pay less in a rural area and more in an urban one. Below are the 25 most populous cities in Louisiana ranked by car insurance cost.
*Car insurance averages by city are based on the three most popular providers per location.
Car Insurance Discounts in Louisiana
Discounts can make all the difference when looking for the best cheap car insurance in Louisiana.
Whether you have multiple vehicles or multiple drivers in your household, you can save money through most companies by bundling policies together. You can also save if you bundle different types of policies like home and auto or renters and auto.
If you’re a safe driver, you could save with usage-based car insurance programs. These programs track your driving in real-time and can help you save a good chunk of money. But be aware that some programs can raise your base rate if you aren’t a good driver.
Young Driver Discounts
Having a young driver on your policy can mean significantly higher rates. However, some companies offer good discounts for this situation. Look for car insurance quotes that have the following discounts:
- Good student
- Teen driver
- New driver
- Driver education
Best Louisiana Car Insurance: Conclusion
Overall, State Farm, USAA, Liberty Mutual, Geico and Louisiana Farm Bureau are some of the best car insurance companies in Louisiana. Depending on your credit score and driving history, you may find cheaper rates from different companies. We recommend comparing annual premiums from multiple companies to find the lowest rates.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost (30% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation (15% of total score): Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
*Data accurate at time of publication.