Cheapest car insurance in Louisiana for 2025

Bankrate knows that drivers looking for the cheapest car insurance in type of insurance covers the damage and injuries that others sustain in an accident you cause. Generally, the damage done to you, your vehicle and your property is not covered under a liability-only policy. Of the providers we looked at, Geico offers Louisiana drivers the cheapest annual rate for minimum coverage.

Minimum coverage requirements for Louisiana drivers

state’s minimum requirements:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $25,000 property damage liability per accident

uninsured motorist coverage to your policy.

collision coverage in addition to their state’s minimum coverage. Full coverage car insurance almost always costs more than minimum coverage but is designed to provide drivers with greater financial protection. According to our research, you may be able to find affordable coverage from the following providers for this type of policy.

There are multiple factors that influence the cost of your car insurance, and your driving record is one of them. Drivers with clean driving records typically have more favorable rates, while drivers with prior incidents may have a harder time securing a cheap insurance premium. We reviewed rate data from Quadrant Information Services for drivers with a variety of different incidents on their records that can make insurance more expensive. Based on our findings, these companies have the cheapest auto insurance in Louisiana for drivers with imperfect driving records:

• Cheapest car insurance for drivers with a ticket: Geico
• Cheapest car insurance for drivers with an at-fault accident: Geico
• Cheapest car insurance for high-risk drivers: Geico

Cheapest insurance companies for drivers in Louisiana with a speeding ticket: Geico

A telematics program following a ticket may earn you a discount that can help offset the increase. You may also want to consider switching to one of the insurers below if you’ve received a speeding ticket in Louisiana, as they offer the cheapest average rates for drivers with a single speeding ticket on their records. Of the group, Geico has the lowest rates for minimum coverage and USAA has the lowest rates for full coverage.

Cheapest car insurance for drivers in Louisiana with an at-fault accident: Geico

If you cause an accident in Louisiana, you are likely to see an accident forgiveness as an add-on to your policy, however, you may not see an increase after a single accident. This may be a good time to consider switching to one of the companies below, which have lower average rates for drivers with a single accident on their records in Louisiana. As is true for speeding tickets, Southern Farm Bureau stands out for its cheap average rates.

Cheapest rates in Louisiana for high-risk drivers: Geico

If you are deemed a DUI, you may be deemed high-risk. Many insurers work with high-risk drivers — although others do not. Regardless, car insurance for high-risk drivers tends to come with rates that are higher than the state averages. Consider the following companies if you are looking for affordable high-risk car insurance in Louisiana. Once again, Geico has the lowest average rates for full and minimum coverage.

In Louisiana, insurers are allowed to factor your age into your rate calculation. Younger drivers, specifically those 25 and under, are usually seen as more high-risk and therefore see higher insurance rates. But, cheap car insurance for young drivers is still possible. If you’re young or you are about to add a teen driver to your policy, you might want to request a quote from Allstate or Southern Farm Bureau. Our research suggests that they are among the cheapest car insurance companies in Louisiana for young drivers:

• Cheapest car insurance for insuring a teen driver: Geico
• Cheapest car insurance for teens with a ticket: Geico
• Cheapest car insurance for teens with an at-fault accident: Geico
• Cheapest car insurance for young drivers with a DUI: Geico

Cheapest Louisiana car insurance for insuring a teen driver: Geico

If you add a teen driver to your policy, it's likely you'll see a significant increase in your premium. Teens are student discounts. Based on our research, these insurance companies might be able to help you keep the increase to a minimum if you’re a Louisiana parent adding a teen to your policy:

Cheapest Louisiana car insurance for teens with a ticket: Geico

On average, teens with speeding tickets on their records will pay higher insurance costs. They have two things working against them: a lack of experience behind the wheel and a tendency to engage in risky driving behaviors. Below, we’ve put together a list of rates for 18-year-old drivers who have their own insurance policies. According to our findings, Southern Farm Bureau offers the most competitive average rates for teens with a ticket.

Cheapest Louisiana car insurance for teens with an at-fault accident: Geico

Louisiana teens with at-fault accidents on their records may be deemed high-risk drivers and pay even more for their insurance coverage. Depending on your coverage level, you may also face high out-of-pocket costs after an accident. Geico offers lower average rates for teens of this driving profile. Like the table above, these rates also reflect average costs for an 18-year-old driver on their own insurance policy:

Cheapest Louisiana car insurance for young drivers with a DUI: Geico

According to our research, young drivers with a DUI conviction may want to get a quote with Geico, as it offers the lowest average minimum coverage rates. Drivers who would prefer a full coverage policy may want to consider Progressive, though, as it offers the cheapest full coverage average rates.