Cheap Car Insurance in Louisiana

To find cheap car insurance with a low average rate in Louisiana, you’ll need to know about the best auto insurance companies with the lowest rates in the state. Here are the best and most affordable options.

• Allstate
• GEICO
• Louisiana Farm Bureau
• Progressive
• Safeway
• State Farm
• USAA

1. Improve your credit score. Car insurance companies in Louisiana can give higher rates to people with bad credit, so one way to save money is to improve your credit score.
2. Move. You can also save money by moving from an urban area to a suburban or rural area, where car accidents, theft, and vandalism are less likely.
3. Bundle. Bundle multiple policies under the same provider to get loyalty discounts.
4. Get minimum coverage. The cheapest coverage is Louisiana’s minimum car insurance. Just keep in mind the out-of-pocket costs you could incur if you cause an accident.
5. Ask for discounts. Your insurance agent will know all the ways you can save through discounts, which vary by company. If you have a DUI, you may be able to save money if you take a defensive driving course. For young drivers, the same might apply with a driver training course.

Louisiana requires liability coverage only, which covers the other party’s bodily injuries and property damages in accidents you cause. On the other hand, if someone hits your car, their liability coverage will cover your losses. But what if someone without insurance hits you? What if you have an at-fault accident that injures you and your passengers, or damages your car?

The point is that liability coverage is not enough on its own. You’ll also want uninsured motorist coverage, to cover your losses in an accident someone without insurance causes, as well as collision and comprehensive coverage. Collision coverage applies to your property damages in collisions you cause, while comprehensive coverage is for non-collision incidents like vandalism and catalytic converter theft.

Louisiana Automobile Insurance Plan

Can’t find any auto insurance company willing to cover you? In that case, the state offers the Louisiana Automobile Insurance Plan.¹

The program, created in 1972 with the Automobile Insurance Plan Service Office (AIPSO), gives coverage to people who can’t find it otherwise. Licensed insurance agencies in the state can voluntarily join this program to provide drivers with auto insurance. As a driver in need of car insurance, you must fit one of these categories to register for the plan:

• You have a car registered in Louisiana or one that will be registered in Louisiana in 15 days, whether you are a resident or nonresident.
• You are a nonresident member of the military who is stationed in Louisiana and has a car registered in another state but garaged in Louisiana at the time of application.²

Here’s how to apply if you’re eligible:

1. Gather the following documents.
   • Anti-theft credit documents, if applicable
   • Copy of your registration
   • A deposit check for the full annual premium
   • A driver training certificate, if applicable
   • Finance agreement, if applicable
   • Original signed application from https://www.aipso.com/LinkClick.aspx?fileticket=cTaN4a2K4IA%3D&tabid=157&portalid=0&mid=724
   • Supplementary vehicle scheduled, if needed
2. Mail the documents to the following address.
   • Louisiana Automobile Insurance Plan
   • 302 Central Ave.
   • Johnston, RI 02919

If you have any questions, either email AIPSO at laip@aipso.com or call 866-989-9902. The phone line is available Monday through Friday, 9 a.m. to 5 p.m. ET.

Self-Insurance

Another option is to insure yourself if you meet either of these criteria:

• You have more than 25 vehicles.
• You own property worth at least $100,000.

You’ll also need a certificate of self-insurance from the Louisiana Office of Motor Vehicles’ assistant secretary.³

• URL: https://dpsweb.dps.louisiana.gov/OMVContactUs.nsf
• Mailing address:
  • P.O. Box 64886
  • Baton Rouge, LA 70896
• Physical address:
  • 7979 Independence Blvd.
  • Baton Rouge, LA 70806
• Phone number: 225-925-6146

You’ll need proof of insurance to register your car in Louisiana, not the other way around. So when you buy or are looking to buy a car, insurance should be the first thing on your mind. Of course, some things are easier said than done, especially when Louisiana is the most expensive state for car insurance.⁴ To learn more about cheap car insurance in the Bayou State, read our frequently asked questions below.