Selecting the right car insurance isn’t always easy when you’re on a budget. This is why we analyzed and compared the cheapest car insurance in Louisiana.
You came to the right place whether you’re looking for minimum coverage, full coverage, or cheap auto insurance after an accident.
We also compared insurance options for Louisiana drivers with poor credit, a DUI, and a speeding ticket.
On top of that, you will also find information on car insurance prices for Louisiana drivers that are 20, 22, 25, and 30 years old.
Overview of the Cheapest Car Insurance in Louisiana
For Minimum Coverage: Southern Farm Bureau offers cheap auto insurance for minimum coverage at $987 annually or $82.25 a month.
Cheapest Full Coverage: Southern Farm Bureau also offers the cheapest full coverage car insurance at $1442 a year or $120.17 a month.
For Drivers With One At-Fault Accident: Southern Farm Bureau is the best option for drivers with one at-fault accident. Going with Southern Farm Bureau will cost you $1825 a year or $152.08 per month.
Cheapest For Drivers With a DUI: Drivers with a DUI will pay $1895 annually or $157.92 a month with Southern Farm Bureau.
For Drivers With a Speeding Ticket: Southern Farm Bureau offers the lowest priced auto insurance at $1628 a year or $135.67 a month.
Cheapest For Drivers With Poor Credit: If you have poor credit, Southern Farm Bureau is the cheapest option for auto insurance. Getting Southern Farm Bureau insurance will cost you $2753 a year or $229.42 per month.
We excluded USAA from these Louisiana insurance choices due to USAA only being available to those currently or previously involved with the military.
Cheapest Minimum Coverage Car Insurance in Louisiana
If you want the bare minimum coverage in Louisiana, these are the lowest rates:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $946 | $78.83 |
| Southern Farm Bureau | $987 | $82.25 |
| GEICO | $1,337 | $111.42 |
| State Farm | $1,396 | $116.33 |
| Allstate | $1,632 | $136.00 |
Cheapest Full Coverage Car Insurance in Louisiana
These are the rates you can expect in Louisiana if you want to be fully covered when driving:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $1,295 | $107.92 |
| Southern Farm Bureau | $1,442 | $120.17 |
| State Farm | $1,941 | $161.75 |
| GEICO | $1,987 | $165.58 |
| Allstate | $2,389 | $199.08 |
Cheap Car Insurance in Louisiana For Drivers With Previous Accidents
Accidents will likely result in your monthly insurance costs increasing. Getting in an accident in LA may include; speeding tickets, at-fault accidents, or DUIs.
Cheapest Louisiana Car Insurance With a Speeding Ticket
Here are the cheapest car insurance in LA for a driver with a speeding ticket.
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $2,473 | $206.08 |
| Southern Farm Bureau | $2,753 | $229.42 |
| State Farm | $3,708 | $309.00 |
| GEICO | $3,796 | $316.33 |
| Allstate | $4,562 | $380.17 |
Cheap Louisiana Auto Insurance With One At-Fault Accident
These are the cheapest options when it comes to car insurance for LA drivers with one at-fault accident.
| Insurance Company | Annual Rate | Monthly Rate |
| Southern Farm Bureau | $1,825 | $152.08 |
| USAA | $1,944 | $162.00 |
| State Farm | $2,242 | $186.83 |
| GEICO | $2,947 | $245.58 |
| Allstate | $3,550 | $295.83 |
Cheap Louisiana Car Insurance With a DUI
These insurance companies each have cheap annual rates for LA drivers with a DUI.
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $1,879 | $156.58 |
| Southern Farm Bureau | $1,895 | $157.92 |
| State Farm | $2,092 | $174.33 |
| Allstate | $3,203 | $266.92 |
| Progressive | $3,964 | $330.33 |
Related: Cheapest Car Insurance in Indiana
Cheapest Auto Insurance For Louisiana Drivers With Poor Credit
If you’re located in Louisiana and have poor credit, these are your options for cheap car insurance:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $2,473 | $206.08 |
| Southern Farm Bureau | $2,753 | $229.42 |
| State Farm | $3,708 | $309.00 |
| GEICO | $3,796 | $316.33 |
| Allstate | $4,562 | $380.17 |
Cheapest Car Insurance For 20-Year-Old Drivers in Louisiana
Younger drivers typically have to deal with higher insurance costs. This is especially true for 20-year-olds in LA.
Cheapest Full Coverage Car Insurance For 20-Year-Old Louisiana Drivers
These companies have the cheapest full coverage auto insurance for 20-year-olds in LA.
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $2,809 | $234.08 |
| Southern Farm Bureau | $3,128 | $260.67 |
| State Farm | $4,213 | $351.08 |
| GEICO | $4,312 | $359.33 |
| Allstate | $5,183 | $431.92 |
Cheapest Minimum Coverage Car Insurance in Louisiana For 20-Year-Old Drivers
The cheapest minimum coverage auto insurance for 20-year-olds are these companies in LA.
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $2,052 | $171.00 |
| Southern Farm Bureau | $2,141 | $178.42 |
| GEICO | $2,901 | $241.75 |
| State Farm | $3,028 | $252.33 |
| Allstate | $3,541 | $295.08 |
Cheap Auto Insurance For 20-Year-Old Louisiana Drivers With Poor Credit
Here are the lowest annual and monthly rates for 20-year-old LA drivers with poor credit:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $5,360 | $446.67 |
| Southern Farm Bureau | $5,968 | $497.33 |
| State Farm | $8,037 | $669.75 |
| GEICO | $8,227 | $685.58 |
| Allstate | $9,889 | $824.08 |
Cheap Car Insurance For 20-Year-Old Louisiana Drivers With a Speeding Ticket
These insurers have the least expensive car insurance for 20-year-old LA drivers with a speeding ticket.
| Insurance Company | Annual Rate | Monthly Rate |
| Southern Farm Bureau | $3,533 | $294.42 |
| USAA | $3,547 | $295.58 |
| State Farm | $4,540 | $378.33 |
| GEICO | $5,613 | $467.75 |
| Allstate | $6,093 | $507.75 |
Cheap Auto Insurance in Louisiana For 20-Year-Old Drivers With a DUI
Here are the cheapest car insurance prices for 20-year-olds with a DUI:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $4,077 | $339.75 |
| Southern Farm Bureau | $4,133 | $344.42 |
| State Farm | $4,540 | $378.33 |
| Allstate | $6,950 | $579.17 |
| Progressive | $8,603 | $716.92 |
Cheap Car Insurance in Louisiana For 20-Year-Old Drivers With One At-Fault Accident
Here are the least expensive car insurance monthly and annual costs for 20-year-old drivers in LA with one at-fault accident:
| Insurance Company | Annual Rate | Monthly Rate |
| Southern Farm Bureau | $3,960 | $330.00 |
| USAA | $4,218 | $351.50 |
| State Farm | $4,864 | $405.33 |
| GEICO | $6,395 | $532.92 |
| Allstate | $7,704 | $642.00 |
Cheapest Car Insurance For 22-Year-Old Drivers in Louisiana
A 22-year-old LA driver usually won’t be paying as much for their auto insurance compared to 18-year-olds or 20-year-olds. However, a 22-year-old in LA also won’t have the discounted car insurance price older individuals have.
Cheapest Full Coverage Car Insurance For 22-Year-Old Louisiana Drivers
The lowest cost full coverage auto insurance for 22-year-olds in LA are these companies:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $1,968 | $164.00 |
| Southern Farm Bureau | $2,191 | $182.58 |
| State Farm | $2,951 | $245.92 |
| GEICO | $3,021 | $251.75 |
| Allstate | $3,631 | $302.58 |
Cheapest Minimum Coverage Car Insurance in Louisiana For 22-Year-Old Drivers
When it comes to cheap minimum coverage auto insurance in LA for 22-year-olds, these are the best companies to use:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $1,437 | $119.75 |
| Southern Farm Bureau | $1,500 | $125.00 |
| GEICO | $2,032 | $169.33 |
| State Farm | $2,121 | $176.75 |
| Allstate | $2,481 | $206.75 |
Cheap Auto Insurance For 22-Year-Old Louisiana Drivers With Poor Credit
Here are the cheapest yearly and monthly auto insurance rates for 22-year-old LA drivers with poor credit:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $3,754 | $312.83 |
| Southern Farm Bureau | $4,181 | $348.42 |
| State Farm | $5,630 | $469.17 |
| GEICO | $5,763 | $480.25 |
| Allstate | $6,927 | $577.25 |
Cheap Car Insurance For 22-Year-Old Louisiana Drivers With a Speeding Ticket
These insurers have the cheapest expensive car insurance for 22-year-old LA drivers with a speeding ticket:
| Insurance Company | Annual Rate | Monthly Rate |
| Southern Farm Bureau | $2,475 | $206.25 |
| USAA | $2,485 | $207.08 |
| State Farm | $3,180 | $265.00 |
| GEICO | $3,932 | $327.67 |
| Allstate | $4,268 | $355.67 |
Cheap Auto Insurance in Louisiana For 22-Year-Old Drivers With a DUI
These are the least expensive car insurance prices for 22-year-olds with a DUI:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $2,856 | $238.00 |
| Southern Farm Bureau | $2,881 | $240.08 |
| State Farm | $3,180 | $265.00 |
| Allstate | $4,868 | $405.67 |
| Progressive | $6,026 | $502.17 |
Cheap Car Insurance in Louisiana For 22-Year-Old Drivers With One At-Fault Accident
These insurance companies offer cheap annual and monthly car insurance for 22-year-olds in LA with an accident:
| Insurance Company | Annual Rate | Monthly Rate |
| Southern Farm Bureau | $2,774 | $231.17 |
| USAA | $2,955 | $246.25 |
| State Farm | $3,407 | $283.92 |
| GEICO | $4,480 | $373.33 |
| Allstate | $5,396 | $449.67 |
Cheapest Car Insurance For 25-Year-Old Drivers in Louisiana
25 is the age when LA auto insurance premiums start to decline quicker. This means living in Louisiana, you get to save more money on car insurance.
Cheapest Full Coverage Car Insurance For 25-Year-Old Louisiana Drivers
Here are the cheapest options for full coverage auto insurance for 25-year-olds in LA:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $1,579 | $131.58 |
| Southern Farm Bureau | $1,759 | $146.58 |
| State Farm | $2,368 | $197.33 |
| GEICO | $2,424 | $202.00 |
| Allstate | $2,914 | $242.83 |
Cheapest Minimum Coverage Car Insurance in Louisiana For 25-Year-Old Drivers
These auto insurers have the cheapest minimum coverage car insurance for LA 25-year-olds.
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $1,154 | $96.17 |
| Southern Farm Bureau | $1,204 | $100.33 |
| GEICO | $1,631 | $135.92 |
| State Farm | $1,703 | $141.92 |
| Allstate | $1,991 | $165.92 |
Cheap Auto Insurance For 25-Year-Old Louisiana Drivers With Poor Credit
25-year-old drivers with poor credit can use these companies for the lowest annual and monthly rates.
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $3,016 | $251.33 |
| Southern Farm Bureau | $3,359 | $279.92 |
| State Farm | $4,523 | $376.92 |
| GEICO | $4,630 | $385.83 |
| Allstate | $5,565 | $463.75 |
Cheap Car Insurance For 25-Year-Old Louisiana Drivers With a Speeding Ticket
Here are the least expensive auto insurance options for 25-year-old LA drivers with a speeding ticket:
| Insurance Company | Annual Rate | Monthly Rate |
| Southern Farm Bureau | $1,986 | $165.50 |
| USAA | $1,994 | $166.17 |
| State Farm | $2,552 | $212.67 |
| GEICO | $3,156 | $263.00 |
| Allstate | $3,425 | $285.42 |
Cheap Auto Insurance in Louisiana For 25-Year-Old Drivers With a DUI
25-year-olds with a DUI have these options for cheap car insurance:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $2,292 | $191.00 |
| Southern Farm Bureau | $2,312 | $192.67 |
| State Farm | $2,552 | $212.67 |
| Allstate | $3,907 | $325.58 |
| Progressive | $4,867 | $405.58 |
Cheap Car Insurance in Louisiana For 25-Year-Old Drivers With One At-Fault Accident
These are the least expensive car insurance yearly and monthly costs for 25-year-old drivers in LA with one at-fault accident:
| Insurance Company | Annual Rate | Monthly Rate |
| Southern Farm Bureau | $2,226 | $185.50 |
| USAA | $2,371 | $197.58 |
| State Farm | $2,735 | $227.92 |
| GEICO | $3,595 | $299.58 |
| Allstate | $4,331 | $360.92 |
Cheapest Car Insurance For 30-Year-Old Drivers in Louisiana
Louisiana auto insurance prices in your 30s will be even cheaper compared to your teenage years and early to mid-20s.
Cheapest Full Coverage Car Insurance For 30-Year-Old Louisiana Drivers
Here are the cheapest car insurance options for 30-year-olds in LA that want to be fully covered:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $1,295 | $107.92 |
| Southern Farm Bureau | $1,442 | $120.17 |
| State Farm | $1,941 | $161.75 |
| GEICO | $1,987 | $165.58 |
| Allstate | $2,389 | $199.08 |
Cheapest Minimum Coverage Car Insurance in Louisiana For 30-Year-Old Drivers
Here are the cheapest auto insurance rates for 30-year-olds in LA that want minimum coverage:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $946 | $78.83 |
| Southern Farm Bureau | $987 | $82.25 |
| GEICO | $1,337 | $111.42 |
| State Farm | $1,396 | $116.33 |
| Allstate | $1,632 | $136.00 |
Cheap Auto Insurance For 30-Year-Old Louisiana Drivers With Poor Credit
These are the least expensive annual and monthly rates for 30-year-old LA drivers with poor credit:
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $2,473 | $206.08 |
| Southern Farm Bureau | $2,753 | $229.42 |
| State Farm | $3,708 | $309.00 |
| GEICO | $3,796 | $316.33 |
| Allstate | $4,562 | $380.17 |
Cheap Car Insurance For 30-Year-Old Louisiana Drivers With a Speeding Ticket
Check out these LA insurance companies for cheap car insurance for 30-year-old drivers with a speeding ticket:
| Insurance Company | Annual Rate | Monthly Rate |
| Southern Farm Bureau | $1,628 | $135.67 |
| USAA | $1,635 | $136.25 |
| State Farm | $2,092 | $174.33 |
| GEICO | $2,587 | $215.58 |
| Allstate | $2,808 | $234.00 |
Cheap Auto Insurance in Louisiana For 30-Year-Old Drivers With a DUI
These insurers have the cheapest auto insurance prices for LA 30-year-olds with a DUI.
| Insurance Company | Annual Rate | Monthly Rate |
| USAA | $1,879 | $156.58 |
| Southern Farm Bureau | $1,895 | $157.92 |
| State Farm | $2,092 | $174.33 |
| Allstate | $3,203 | $266.92 |
| Progressive | $3,964 | $330.33 |
Cheap Car Insurance in Louisiana For 30-Year-Old Drivers With One At-Fault Accident
Here are the least expensive car insurance monthly and yearly costs for 30-year-old drivers in LA with one accident on record:
| Insurance Company | Annual Rate | Monthly Rate |
| Southern Farm Bureau | $1,825 | $152.08 |
| USAA | $1,944 | $162.00 |
| State Farm | $2,242 | $186.83 |
| GEICO | $2,947 | $245.58 |
| Allstate | $3,550 | $295.83 |
Louisiana Minimum Auto Insurance Requirements
The state of Louisiana has a list of requirements for the minimum amount of auto insurance a driver can have.
These requirements include:
- At a minimum; insured for $15,000 bodily injury liability per person and $30,000 total.
- A total of $25,000 per crash for vehicle or property damage caused by the vehicle.
Methodology For Choosing Cheapest Louisiana Auto Insurance
We compared rates from Louisiana auto insurance companies throughout the state. The rates we used are calculated for a 35-year-old male with a good credit score (690-719).
Other stats used for the calculated rates include:
Bodily Injury Coverage: $50,000
Overall Coverage: $100,000
Property Damage Coverage: $50,000
Age: 35 years old
Vehicle: 2020 Sedan
Number of Incidents: 0
Credit Score: Good (690-719)
Comprehensive and Collision Coverage: None
