The Best Car Insurance in Louisiana

Known for strong customer service, State Farm has over 60 locations in Louisiana. Its rates are competitive, particularly for drivers who want to purchase more than the minimum required insurance in Louisiana, which we recommend doing.

Great Customer Service 

State Farm ranks above average for customer satisfaction in the southeast region in J.D. Power’s 2024 U.S. Auto Insurance Study, with a score of 673 (for reference, the region average is 663). State Farm is generally known for having great customer service, especially among major national insurers.

The company works with a robust network of local agents across the country to deliver personalized support and assistance to customers. In fact, it does not allow for policies to be purchased online, only through an agent. While this may be a downside for some drivers, it helps ensure that you get the coverage you need that fits within your budget and allows policyholders to discuss any questions or concerns they have with an experienced professional.

Numerous Discounts

State Farm also offers the following discounts to customers in Louisiana to help bring down the cost of premiums:

• Anti-theft: Save money if your car is equipped with an approved anti-theft device.
• Defensive driver course: Drivers age 55 and older can save 10 percent for voluntarily completing a state-approved defensive driving course in the past three years.
• Drive Safe & Save: Save 5 percent when you enroll and up to 30 percent once you track your driving with the State Farm app.
• Driver education: Drivers under age 21 who complete an approved driver education course receive a discount.
• Good driving: You earn this discount if all drivers in the household have had no moving violations or at-fault accidents in the past three years.
• Military: Active-duty military and their spouse/dependents are eligible for a discount.
• Multiple vehicles: Households with multiple vehicles on the same policy get a discount.
• Multiline: Save money by bundling auto insurance with a State Farm home, renter, condo, life, or health policy.
• Steer Clear: Drivers under age 25 with no moving violations or at-fault accidents in the past three years can complete a State Farm driver safety program to get a discount.
• Vehicle safety: Vehicles model year 1994 and newer can get a discount, depending on their safety ratings.

Rideshare Coverage

If you drive for Uber, Lyft, or another rideshare company (including food delivery), we recommend adding rideshare coverage to your policy. State Farm offers rideshare coverage in 43 states, including Louisiana. It covers you when the rideshare company’s insurance doesn’t:

It’s strong coverage, considering some insurers don’t offer any protection once you’ve matched with a passenger or are transporting them. 

If you qualify, USAA is an excellent choice for auto insurance in Louisiana. In particular, it stands out for its competitive car insurance rates, exceptional roadside assistance offering, and discounts.

Financial Protection for Active Military Families and Veterans

Louisiana is home to over 15,000 active-duty military members and over 17,000 spouses and dependents, plus nearly 19,000 National Guard and reserve members and their 20,000 spouses and dependents.⁴ These individuals, as well as veterans and their families, are eligible for USAA auto insurance.

USAA’s prices are competitive, and it offers the following auto coverages:

• Bodily injury and property liability 
• Car replacement assistance
• Comprehensive and collision
• Medical payments
• Rental reimbursement
• Roadside assistance
• Umbrella insurance
• Uninsured and underinsured motorist

Great Roadside Assistance

One of the offerings we like the most from USAA is its roadside assistance, which covers the following:

• Towing to the nearest repair shop
• Tire change (spare required) or tow 
• Fuel delivery (cost of fuel not included)
• Battery jump start
• Lockout service
• Winching for a stuck vehicle

If you have roadside assistance on your policy, you won’t pay out of pocket for these services. USAA distinguishes itself in that even if you don’t hold coverage, you can call its roadside assistance services and will pay a special negotiated rate, typically less than you would if you contacted the service provider directly. 

In addition to providing services domestically, you can call roadside assistance in Canada, Mexico (within 75 miles of the border), U.S. territories, and the base country where a policy is issued.

Numerous Discounts

USAA claims that its members save an average of $725 annually, or $60 per month, when they switch from other providers. You can save on auto insurance from USAA with the following discounts:

• SafePilot: Save 10 percent upon enrollment and an additional 30 percent when you track your driving habits with USAA’s app.
• Good grades: If you or a dependent is a full-time high school or college student under age 25 with a B average or higher (3.0 GPA), you’ll get a discount.
• Garage on base: Save up to 15 percent on comprehensive coverage when you garage your car at a military installation, like Fort Polk or NSA New Orleans.
• Safe driver: If you have a clean driving history for five years or if you complete an approved defensive driver or driver education course, you get a discount. After five years of safe driving, you may also qualify for accident forgiveness.
• Bundling: Save up to 10 percent when you insure both property and auto with USAA.
• Multi-vehicle: Get a discount for insuring two or more vehicles on the same policy.
• Vehicle features: Vehicles three years old and newer may be eligible for discounts due to improved safety features. An anti-theft device earns you a discount as well.
• Low mileage: If you are deployed or storing your vehicle for another reason, you can get up to 60 percent off. Additionally, USAA offers a usage-based option, meaning your car insurance premiums are based on how much (and how safely) you drive.
• Loyal member: If you are under 25 years old and transitioning off your parents’ USAA policy onto your own policy, you can save up to 10 percent. 

One of Progressive’s advantages is the number of coverage and add-on options it offers, which you may not find everywhere. Additionally, its accident forgiveness perks make it a good choice for Louisianians who want to avoid rate increases following an at-fault accident.

Many Coverages and Add-Ons

As a major insurer, Progressive offers all typical coverages like liability, medical payments, roadside assistance, rental reimbursement, comprehensive and collision. It also offers the following additional coverages and add-ons.

Accident Forgiveness

In Louisiana, auto insurance premiums increase by an average of 42 percent following an at-fault accident. Luckily, Progressive’s accident forgiveness coverage will prevent your premium from increasing after an accident. You can purchase this coverage as a policy add-on, and Progressive also offers it for free to drivers who have been customers for at least five years with no accidents or violations.

Several Paths to Student Discount

Louisiana is home to big universities like Louisiana State University and Tulane University, as well as smaller schools like Loyola University New Orleans. Whether you’re a student at one of these schools or another, or still in high school, you may be able to earn one or both of Progressive’s student discounts.

To qualify for a student discount from Progressive, you must:

• Be a full-time student with at least a B average
• Be a full-time student 22 years old or younger and attend school at least 100 miles away from where the car is garaged

When you’re shopping for car insurance in Louisiana, make sure you’ve compared quotes from multiple car insurance companies. The cheapest car insurance company for you may not be the most affordable option for someone in another ZIP code.

Southern Farm Bureau is one of the insurance companies affiliated with the American Farm Bureau Federation. In general, Farm Bureau companies are known for offering affordable rates and specialized service to policyholders in their respective states. In order to purchase an insurance policy from Southern Farm Bureau, you must be a Farm Bureau member, which comes with an annual fee.

Affordable Rates

Southern Farm Bureau consistently offers some of the cheapest auto insurance rates in Louisiana. It came out on top as the cheapest option for most driver categories in our pricing data, apart from drivers with low credit, where it came in second. Here’s an overview of its rates for different driver profiles and how they compare to the state averages:

Deductible Rewards

Southern Farm Bureau offers policyholders the option to participate in the Farm Bureau telematics program, called DriveDown. This works a bit differently than most other popular telematics programs as it doesn’t provide a discount on your insurance premium but rather allows drivers to save on their deductible if they drive safely.

Like other telematics programs, DriveDown tracks your driving habits using a mobile app — you’ll first need to download the free MobileAgent app to sign up using your name, driver’s license number, and cell phone number. You’ll then receive a link to download the Routely app, which will actually track your trips.

Farm Bureau doesn’t advertise the maximum rewards for DriveDown, but you will automatically earn a 5 percent reward after taking your first trip. After that, rewards are calculated every 30 days. The next time you file a claim, your deductible will be lowered by the amount of the rewards you earned, saving you money. In addition, filing a claim doesn’t change your rewards, so the reward percentage will stay at the level you’ve earned for future claims as well.

Founded in 1991, Direct Auto insures high-risk drivers. If you have an SR-22 or hold a high-risk designation for another reason, Direct Auto is much more likely to insure you than standard insurers. Though it specializes in high-risk policies, Direct offers discounts and flexible payment options that keep premiums affordable.

Coverage for High-Risk Drivers

On average, Louisiana drivers are more likely to fall into certain high-risk categories than drivers in other states. Take a look at the following statistics about driving in Louisiana:

• There are 20 percent more deaths per 100 million vehicle miles traveled in Louisiana than in the U.S. as a whole.⁵
• In Louisiana, 20 percent of fatal crashes involved distracted drivers, compared to 8 percent of crashes nationally.⁶
• Louisiana has the second-lowest average credit score at 690 (Mississippi is first at 680) — the national average is 715.⁷

The following factors can contribute to a high-risk designation:

• At-fault accidents
• Being a new driver
• Being a teen or senior driver
• Driving an expensive vehicle
• DUI convictions
• Insurance lapses (even if you sold your car)
• Multiple claims in short periods
• Poor credit
• Speeding tickets

Insurers can deny coverage for high-risk drivers (or effectively deny coverage by quoting an exorbitant rate), and many standard providers do. However, Direct Auto specializes in high-risk coverage. It can help you get an affordable policy with flexible payment options if you fall into a high-risk category.

Many Discount Options

High-risk insurance often costs more than standard insurance. For example, after a DUI conviction, insurance premiums in Louisiana increase by 71 percent on average. Direct Auto offers an array of discount options that can help you keep insurance costs affordable: 

Flexible Payment

Affordable insurance isn’t just about the amount you pay each month, but also when and how you pay. Direct Auto offers several payment options to help align your insurance costs and your budget. You can customize the following to your needs:

• Date: Pick the day of the month to make your payment.
• Schedule: Decide how often you’ll pay— in full, monthly, or in installments of a different frequency.
• Monthly amount: Determine your monthly costs by choosing how much to put down up front (like a down payment).
• Method: Pay online by debit, credit, or e-check, or pay in cash at a Direct Auto location. There are 34 locations in Louisiana, including in New Orleans and Baton Rouge.