866-589-5339
Estimated wait time: < 1 minute
Best Auto Insurance in Louisiana of 2026
GEICO, Nationwide, USAA, and Southern Farm Bureau are some of our top choices for Louisiana drivers.
Best Value
Editor's Rating:
4.9/5
4.9/5
Full Coverage Averages in Louisiana
- Annual premium: $3,213
- Monthly premium: $268
Best for Military and Veterans
Editor's Rating:5/5
5/5
Full Coverage Averages in Louisiana
- Annual premium: $2,737
- Monthly premium: $228
Best Regional Provider
Editor's Rating:4.3/5
4.3/5Last updated: October 17, 2026
Key Takeaways: Best Auto Insurance in Louisiana 2026
GEICO is the best cheap auto insurance in Louisiana, with USAA cheapest for military-affiliated drivers.
Full coverage averages $3,903/year in Louisiana, 66% above the national average of $2,356/year.
GEICO has the cheapest minimum coverage at $61/month, 44% below the state average of $109/month.
USAA has the lowest full coverage rate at $228/month, but is only available to military families.
Among providers available in Louisiana, Nationwide and USAA score highest in the Southeast for customer service, according to J.D. Power.
Our pricing data reflects average rates, which can be a helpful starting point when comparing insurers. However, keep in mind that you will likely be quoted different rates based on your driving record, age, and other factors.
Summary of the Best Auto Insurance in Louisiana
- Best Value: GEICO
- Best for Customer Service: Nationwide
- Best for Military and Veterans: USAA
- Best Regional Provider: Southern Farm Bureau
- Best for High-Risk Drivers: Direct Auto
Compare the Best Cheap Auto Insurance in Louisiana
| Company | Full Coverage Monthly Avg. in LA | Minimum Coverage Monthly Avg. in LA | Southeast customer satisfaction (J.D. Power) |
|---|---|---|---|
| GEICO | $268 | $61 | Above average |
| Nationwide | Data not available | Data not available | Above average |
| USAA | $228 | $81 | Above average |
| Southern Farm Bureau | $307 | $77 | Not rated |
| Direct Auto | Data not available | Data not available | Below average |
| Louisiana | $325 | $109 | – |
Breaking Down the Best Cheap Auto Insurance in Louisiana
1. GEICO - Best Value
4.9
Editor's Rating:
- Average Louisiana Rate for Minimum Coverage
- $61 mo.
- Average Louisiana Rate for Full Coverage
- $268 mo.
Easy and intuitive online purchase flow- Affordable rates for various driver profiles
- Numerous easy-to-obtain discounts
Limited agent presence- Doesn't underwrite home insurance
Why we chose it
GEICO has some of the cheapest average rates in Louisiana (regardless of driving record) and plenty of discounts, including easily obtainable ones for paperless billing and online quotes. The company also has the DriveEasy telematics program, which provides a discount for safe driving, as well as discounts for military members and federal employees.
Besides its affordable policies, GEICO is also known for its digital-first approach to car insurance, with a robust online platform and mobile app through which you can manage your policy. While GEICO doesn’t have a wide network of agents, its online tools are user-friendly and allow for quick quotes and easy purchasing without requiring you to speak with anyone.
Who it’s best for
Drivers who prefer to purchase a policy online, customers looking for cheap rates, federal employees or military members
GEICO Louisiana Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $268 | $61 |
| Annually | $3,213 | $736 |
| Difference from Louisiana average | -18% | -44% |
2. Nationwide - Best for Customer Service
4.8
Editor's Rating:
- Average Rate for Minimum Coverage
- $60 mo.
- Average Rate for Full Coverage
- $162 mo.
- High customer satisfaction ratings in Southeast region
- Strong digital tools for self-servicing policies
- Easy online quote and purchase flow
- Not available in select states
- Expensive for teen drivers
Why we chose it
Nationwide has a superb customer service record, underscored by its strong rankings with third-party studies on customer satisfaction. The company ranks second overall in J.D. Power’s Auto Insurance Study for the Southeast region, and first out of providers available in Louisiana (Erie took the number one spot). It also ranks near the top of J.D. Power’s Claims Satisfaction Study and Digital Experience Study for the service category.1
Additionally, Nationwide offers valuable add-on coverages such as rental car reimbursement, gap coverage, and accident forgiveness. You can save by bundling your auto policy with home, renters, or boat insurance, or utilizing good student, safe driver, and anti-theft discounts. Note that Nationwide’s telematics programs, SmartRide and SmartMiles, are unavailable in Louisiana.
Who it’s best for
Customers who prioritize service, those seeking varied coverage options, drivers looking for ample discount opportunities
3. USAA - Best for Military and Veterans
5
Editor's Rating:
- Average Louisiana Rate for Minimum Coverage
- $81 mo.
- Average Louisiana Rate for Full Coverage
- $228 mo.
- Affordable rates for military-affiliated drivers
- Excellent customer support
- Military-specific resources
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
If you’re an active military or National Guard member in Louisiana, USAA is your best auto insurance option by a wide margin. USAA caters exclusively to military, veterans, and their families and stands out for its competitive rates, military-centric policies, and exceptional customer service. In fact, it’s perennially top-scoring on J.D. Power’s Auto Insurance Study (the company technically doesn’t qualify to rank, due to its limited availability).
USAA offers numerous discounts for bundling policies, adding multiple cars to one auto policy, and more. It also has a telematics program, SafePilot, that rewards safe driving with lower premiums. Keep in mind that since USAA doesn’t have any physical offices, policyholders should expect to manage their policies over the phone or online.
Who it’s best for
Military members (including National Guard), veterans, and their families; customers seeking competitive rates and numerous discounts
GOOD TO KNOW:
Louisiana requires all auto insurers in the state to provide a discount of 25 percent to active duty military members. If you qualify, you can benefit from lower rates, whether with USAA or another insurer.
USAA Louisiana Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $228 | $81 |
| Annually | $2,737 | $975 |
| Difference from Louisiana average | -30% | -26% |
4. Southern Farm Bureau - Best Regional Provider
4.3
Editor's Rating:
- Average Louisiana Rate for Minimum Coverage
- $77 mo.
- Average Louisiana Rate for Full Coverage
- $307 mo.
- Personalized customer service via local agents
- Cheap rates for most drivers
- Discounts and perks for Farm Bureau members
- Membership required
- Basic mobile features
Why we chose it
Southern Farm Bureau is a regional provider that offers cheap rates in Louisiana and dedicated, people-centric service through local agents. It also offers a telematics program called DriveDown that rewards safe driving with lower deductibles (which differs from most other telematics programs, which tend to offer savings on premiums instead).
In order to purchase a policy from Southern Farm Bureau, you must be a member of the American Farm Bureau Federation, the umbrella agricultural organization with which it’s affiliated. Membership comes with a fee, but you don’t have to be in agriculture to join, and the fee may be worth the potential savings from choosing a Southern Farm Bureau policy.
Who it’s best for
Customers seeking cheap rates, those who prefer local agents over self-service, people in agriculture (though not a requirement)
Southern Farm Bureau Louisiana Pricing
| Southern Farm Bureau | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $307 | $77 |
| Annually | $3,680 | $918 |
| Difference from Louisiana average | -6% | -30% |
5. Direct Auto - Best for High-Risk Drivers
3.6
Editor's Rating:
- Average Rate for Minimum Coverage
- $78 mo.
- Average Rate for Full Coverage
- $264 mo.
- Affordable premiums for drivers with violations
- Offers coverage to high-risk drivers
- Flexible payment options
- Higher costs
- Limited tech tools
- Mixed service ratings
Why we chose it
Direct Auto is best for high-risk policies tailored to drivers with serious violations on record (like a DUI, at-fault accidents, or multiple speeding tickets). Its rates for high-risk drivers are often lower than those offered by standard insurers, and its flexible payment options — such as lower down payments or installment plans — make it easier for policyholders to pay their premiums.
Keep in mind that a high-risk policy often costs more than standard insurance: for example, after a DUI conviction, insurance premiums in Louisiana increase by 34 percent on average. That said, Direct Auto offers multiple discounts that can help keep costs affordable. If you need an SR-22, Direct Auto can also help you file one for a fee.
FYI:
The high-risk designation doesn’t necessarily imply poor driving; age, credit score, and location can also affect the risk level an insurer assigns.
Who it’s best for
Drivers with at-fault accidents, DUIs, or other high-risk factors; customers who want flexible payment options; high-risk drivers who have trouble getting coverage
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southeast2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| Nationwide | 685 | C | 729 | 2.00 |
| USAA | 724 | C- | 741 | 2.98 |
| GEICO | 668 | C- | 697 | 1.74 |
| Southern Farm Bureau | Not rated | B+ | Not rated | 0.28 |
| Direct Auto | 609 | D | Not rated | 2.63 |
| Average | 659 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in Louisiana
Full Coverage Rates in Louisiana
Drivers in Louisiana can expect to pay for auto insurance than the national average. The cost of full coverage in the state is around $3,903 annually, which is 66 percent higher than the average across the U.S.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Louisiana average | $3,903 | $325 |
| National average | $2,356 | $196 |
Minimum Coverage
Minimum coverage insurance in Louisiana is similarly expensive at $1,310 per year on average — 81 percent more expensive than the national average.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Louisiana average | $1,310 | $109 |
| National average | $722 | $60 |
Cost of Auto Insurance in Louisiana by City
Auto insurance costs can vary not only by state, but also by region within a state. In Louisiana, we found that New Orleans is the most expensive city, with an average annual premium of $5,993. That’s 65 percent more expensive than the state average. Meanwhile, average premiums in Shreveport are $3,513 per year, nearly $400 cheaper than the state average.
| City | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| New Orleans | $5,993 | $499 |
| Metairie | $4,571 | $381 |
| Baton Rouge | $4,483 | $374 |
| Lafayette | $3,961 | $330 |
| Shreveport | $3,513 | $293 |
How Many Car Accidents Happen in Louisiana?
In 2025, there were 758 fatal crashes in Louisiana and 35,197 accidents that involved injuries, according to Louisiana’s Highway Safety Commission.6 While total accidents were down from the previous year, fatalities were slightly up compared to 2024.
Minimum Auto Insurance Requirements in Louisiana
Louisiana residents must carry at least the following minimum coverage limits to legally drive in the state:
- Bodily injury to one person: $15,000 per accident
- Bodily injury to two or more people: $30,000 per accident
- Property damage: $25,000 per accident
Although carrying the minimum required insurance is legally sufficient, it may not provide comprehensive protection. In the event of a serious at-fault accident, inadequate coverage limits could leave you financially responsible for substantial expenses. When possible, it’s wise to opt for higher limits — such as 100/300/100 — along with full coverage.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers in Louisiana based on four key factors:
- Price (40%): We analyze average premiums for full and minimum coverage for good drivers with good credit, as well as various driver profiles, including those with DUIs, accidents, or low credit. We also consider available discounts. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state-required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Learn more about our ratings and methodology sources.
Frequently Asked Questions
The best companies in Louisiana are: GEICO (best value), Nationwide (best for customer service), USAA (best for military/veterans), Southern Farm Bureau (best regional provider), and Direct Auto (best for high-risk drivers). Providers are evaluated on cost, J.D. Power customer satisfaction, and CRASH Network claims grades.
Full coverage in Louisiana averages $325/month ($3,903/year). Minimum coverage averages $109/month. Rates can vary by zip code, your driving record, and insurer — see our analysis on different insurance factors above for more context.
Louisiana rates are about 66 percent above the national average ($2,356/year), and are amongst the most expensive in the country. This is due to high rates of uninsured drivers, extreme weather and poor road conditions leading to more claims, and high rates of people filing claims and lawsuits — all of which translate to higher costs passed on to drivers.
USAA offers the lowest rates at $2,737/year for full coverage. For minimum coverage, GEICO is cheapest and averages $736/year ($61/month). Keep in mind that if you’re in the military, you’re legally eligible for a 25 percent discount regardless of the insurer you choose.
In Louisiana, compare companies on:
- Price — Louisiana has some of the highest car insurance rates in the country, so get at least 3 quotes to find competitive rates
- Service & Satisfaction — J.D. Power and CRASH Network evaluate insurers on their customer service and claims practices
- Financial Strength — An AM Best grade of A or A+ signals a company can reliably pay out claims
- Coverage — Ensure a company offers any special coverage or paperwork you might require, like a rideshare endorsement or an SR-22 certificate
Louisiana requires the following minimum car insurance limits:
- Bodily injury to one person: $15,000 per accident
- Bodily injury to two or more people: $30,000 per accident
- Property damage: $25,000 per accident
The minimum coverage averages $61/month, but we recommend you get full coverage if possible if you have a leased or newer vehicle.
Sources
Insurance Websites and Apps Miss Opportunities to Build Customer Engagement, JD Power Finds. JD Power. (2026, May 13).
https://www.jdpower.com/business/press-releases/2026-us-insurance-digital-experience-studyAuto Insurers Struggle to Maintain Seamless Interactions Across Channels, JD Power Finds. JD Power. (2026, June 09).
https://www.jdpower.com/business/press-releases/2026-us-auto-insurance-study/91 U.S. auto insurers graded in 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 27).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmCar crash injuries at record low in Louisiana. But DWI deaths remain a problem.. Nola. (2026, Sept 17).
https://www.nola.com/news/louisiana-motor-vehicle-crash-injury-seat-belt-data/article_a86fe497-b566-448d-b9b2-a5d416b9b826.html
Related Articles
Guide to Car Insurance in Louisiana
May 13, 2026
Best Cheap Car Insurance in New Orleans
June 1, 2026