Cheap Car Insurance in Louisiana

Cheap Car Insurance in Louisiana

It is mandatory to get car insurance in Louisiana for drivers to drive legally in the state. Different companies in Louisiana provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Louisiana:

Name of the Company Average annual car insurance premiums
Southern Farm Bureau $1640
USAA $1860
MetLife $1878
State Farm $2168
Cal Casualty $2297
Progressive $2340
GEICO $2936
Safe Auto $2977
Allstate $3420
Metropolitan $3697
Encompass $4000

Cheap car insurance in Louisiana for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Louisiana with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Louisiana provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Louisiana by maintaining a good driving record. Most auto insurance companies in Louisiana provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $446 on car insurance premiums in Louisiana.
  •  Drivers may save $978 on car insurance premiums if they have an accident-free record in Louisiana.
  •  By maintaining a good credit history you may save $1744 on car insurance premiums in Louisiana. 

Cheap car insurance for inexperienced drivers in Louisiana

Most auto insurance providers may charge high auto insurance premiums in Louisiana from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Louisiana vary according to the age of the drivers. Some companies charge high auto insurance cost from young drivers in Louisiana. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $12438 $11622
17 $11983 $9728
18 $11369 $8355
19 $10222 $5186

Affordable auto insurance in Louisiana for high-risk drivers

Car insurance companies in Louisiana charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Louisiana can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Louisiana may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $3118
DUI $3247
Speeding Violation $2587
Bad Credit $3885

Best car insurance companies in Louisiana

Car insurance prices in Louisiana may vary from company to company. Some companies in Louisiana charge lower car insurance premiums than others. To get the best auto insurance policy in Louisiana you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Louisiana by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Louisiana:

  • Allstate
  • Cal Casualty
  • Encompass
  • GEICO
  • Liberty Mutual
  • MetLife
  • Progressive
  • Safeway
  • Southern Farm Bureau
  • State Farm

What auto insurance coverage is mandatory to purchase for drivers in Louisiana?

The average annual cost to get the minimum required coverage in Louisiana may be around $1345.  The minimum required coverage for drivers in Louisiana to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $15000
Bodily injury per accident $30000
Property damage per accident $25000

 The state minimum auto insurance requirements in Louisiana

The state minimum auto insurance coverage requirement in Louisiana is liability coverage.

  1. $25000 bodily injury coverage per person is required in Louisiana.
  2. $30000 bodily injury coverage per accident is required in Louisiana.
  3. $25000 property damage coverage per accident is required in Louisiana.

Other types of optional coverages in Louisiana are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Medical Payments
  7. Uninsured/Underinsured Motorist Bodily Injury
  8. Uninsured Motorist Property Damage
  9. Additional Personal Injury Protection (APIP)
  10. Passenger Personal Injury Protection
  11. Personal Injury Protection (PIP)

Fine for driving without car insurance in Louisiana

If anyone caught driving without a car insurance policy in Louisiana then police may charge a fine.

Car insurance prices by cities in Louisiana

Car insurance premiums in Louisiana may vary from city to city. In some cities of Louisiana, car insurance prices are high compared to others.

City Average annual insurance premiums
New Orleans $3740
Harvey $3328
Kenner $2972
Metairie $2912
Baton Rouge $2860
Prairieville $2755
Central $2748
Alexandria $2547
Slidell $2520
Hammond $2459
Monroe $2430
Lafayette $2406
Lake Charles $2330
New Iberia $2232
Shreveport $2199
Sulphur $2155
Houma $2150
Bayou Cane $2116
Bossier City $2039
Natchitoches $1992
Ruston $1942

If you are looking for a car insurance deal in Louisiana , you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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