{"id":324607,"date":"2025-11-14T07:46:26","date_gmt":"2025-11-14T12:46:26","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=87492"},"modified":"2025-11-14T07:46:27","modified_gmt":"2025-11-14T12:46:27","slug":"best-in-louisiana","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-louisiana\/","title":{"rendered":"The Best Louisiana Auto Insurance Companies"},"content":{"rendered":"\n<p>Drivers in the state of Louisiana continue to face some of the highest auto insurance costs in the U.S. Recent market analyses indicate typical drivers pay about $3,600\u2013$4,000 per year for full coverage and roughly $1,200\u2013$1,350 for minimum coverage, depending on the insurer, driver profile and location (see recent studies from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/louisiana-car-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-in-louisiana\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/louisiana-car-insurance\/\">Forbes Advisor<\/a> and <a href=\"https:\/\/www.insurance.com\/auto-insurance\/by-state\/louisiana-car-insurance.aspx\">Insurance.com<\/a>). To save money, drivers should shop around for the best car insurance in Louisiana. Although the state only requires drivers to carry liability insurance, it\u2019s wise to protect yourself and your vehicle by buying as much coverage as you can afford. Here\u2019s what the best car insurance companies in Louisiana have to offer.<\/p>\n\n\n\n<ul><li><strong><a class=\"achor-toggles\" href=\"#state-farm\">State Farm<\/a>:<\/strong> Best for high coverage limits\u00a0<\/li><li><strong><a class=\"achor-toggles\" href=\"#progressive\">Progressive<\/a>:<\/strong> Best for discounts and savings<\/li><li><strong><a class=\"achor-toggles\" href=\"#allstate\">Allstate<\/a>:<\/strong> Best for coverage options\u00a0<\/li><li><strong><a class=\"achor-toggles\" href=\"#geico\">Geico<\/a>: <\/strong>Best for low prices<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison\" title=\"Comparison\"><\/span>\n    \n\n\t\t\n<section id=\"block_5fb8392414537\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Car Insurance Companies in Louisiana<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for State Minimum* \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for Full Coverage* \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Overall Customer Satisfaction \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fb8392414537-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$830<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$3,119<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>856<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fb8392414537-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Progressive<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,067<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$3,099<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>828<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fb8392414537-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,324<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$3,341<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>838<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fb8392414537-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$575<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,211<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>820<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information current as of 2025<\/em><\/p>\n\n\n\n<p><em>* Data points reflect recent studies from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/louisiana-car-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-in-louisiana\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/louisiana-car-insurance\/\">Forbes Advisor<\/a> and <a href=\"https:\/\/www.insurance.com\/auto-insurance\/by-state\/louisiana-car-insurance.aspx\">Insurance.com<\/a>. <\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2024 U.S. Auto Insurance Study<\/a> regional results. Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for High Coverage Limits\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for high coverage limits<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Providing insurance since 1922, State Farm offers full coverage of up to $500,000 per incident.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$3,119*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">856**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Providing insurance since 1922, State Farm offers full coverage of up to $500,000 per incident.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>The largest insurance carrier in the country based on policies written<\/li>\n                            <li>High-limit 500\/500\/500 car insurance is available<\/li>\n                            <li>File claims easily online or through the full-featured mobile app<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Higher premiums than other insurance carriers<\/li>\n                                        <li>Insurance coverage options could be more innovative<\/li>\n                                        <li>Lacking in discounts<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision and comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Property damage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental car and travel expenses<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rideshare<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured\/underinsured motorist<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accident-free<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Anti-theft devices<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Defensive driving course<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Drive Safe &amp; Save app<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Driving training<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-car<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Passive restraint system<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Steer Clear app<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Student away at school<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a ref=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm homeowners insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm renters insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm auto insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"Progressive\" title=\"Best for Discounts and Savings\"><\/span>\n    \n\n                                                \n\n\n<section id=\"progressive\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Progressive<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for discounts and savings<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                If you\u2019re looking to lower your premium, your odds could be good with Progressive, thanks to the number of discounts available.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325339-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$3,099*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">828**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                If you\u2019re looking to lower your premium, your odds could be good with Progressive, thanks to the number of discounts available.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Offers coverage for high-risk, hard-to-insure drivers<\/li>\n                            <li>Name Your Price lets you set a budget and choose the level of coverage you can afford<\/li>\n                            <li>Low, $100 deductible available<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No accident forgiveness available <\/li>\n                                        <li>Customer reviews rank Profressive low in claims satisfaction<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Custom parts and equipment<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Deductible savings bank<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Gap insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rideshare<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental car reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">SR-22 policies<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Automatic payments<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Continuous insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Distant student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Insurance bundles<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Online quote<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Paperless billing<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pay in full<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Snapshot\u00ae safe driver program<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Teen driver<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Progressive Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/progressive-review\/\">Progressive auto insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/progressive-review\/\">Progressive homeowners insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/progressive-review\/\">Progressive renters insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for Coverage Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for coverage options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate has enough types of coverage for all driver types, such as those with a side hustle with Uber, classic car collectors and audiophiles \n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,571352,6720045&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/affiliate-autoplanners.html?CID=AFF-REV-AU-073845-200616&#038;campaign=444490000073845&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$3,341*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">838**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate has enough types of coverage for all driver types, such as those with a side hustle with Uber, classic car collectors and audiophiles \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Rideshare drivers can buy extra coverage<\/li>\n                            <li>Coverage for expensive vehicle upgrades such as high-end sound systems<\/li>\n                            <li>Provide a claims-satisfaction guarantee<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Claims can\u2019t be filed through the mobile app<\/li>\n                                        <li>Missing some common discounts<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Classic cars<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision and comprehensive\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roadside coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Sound system insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured and underinsured motorist coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Anti-lock brakes<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Anti-theft devices<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Automatic payments<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New car<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Paperless<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pay-in-full<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Responsible payer<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Safe driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Smart student<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/Allstate-review\/\">Allstate auto insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/Allstate-review\/\">Allstate homeowners insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/Allstate-review\/\">Allstate renters insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Best for Low Prices\"><\/span>\n    \n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for low prices<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico is well-known in the industry for offering low rates, but it also provides good customer satisfaction and a wide array of discounts.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,211*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">820**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico is well-known in the industry for offering low rates, but it also provides good customer satisfaction and a wide array of discounts.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low annual premiums<\/li>\n                            <li>Above-average customer satisfaction<\/li>\n                            <li>Many discounts<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Few local agents available<\/li>\n                                        <li>No gap coverage<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical payments<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured &amp; underinsured motorist<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mechanical breakdown<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Vehicle equipment features<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Seat belt use<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Defensive driving<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Driver\u2019s education course<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Emergency deployment<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Membership &amp; employee<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Military<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><span style=\"font-weight: 400;\">Multi-policy\u00a0<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Geico Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\">Geico auto insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/geico-review\/\">Geico homeowners insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\">Geico vs. State Farm car insurance<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Data points reflect recent studies from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/louisiana-car-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-in-louisiana\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/louisiana-car-insurance\/\">Forbes Advisor<\/a> and <a href=\"https:\/\/www.insurance.com\/auto-insurance\/by-state\/louisiana-car-insurance.aspx\">Insurance.com<\/a>. <\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2024 U.S. Auto Insurance Study<\/a> regional results. Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Louisiana<\/h2>\n\n\n\n<p>Louisiana remains among the most expensive states for car insurance. Recent analyses show average annual premiums of roughly $3,600\u2013$4,000 for <a href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\">full coverage<\/a> and about $1,200\u2013$1,350 for minimum coverage for a typical 40-year-old driver with a clean record, depending on methodology and insurer mix (<a href=\"https:\/\/www.bankrate.com\/insurance\/car\/louisiana-car-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-in-louisiana\">NerdWallet<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/louisiana-car-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.insurance.com\/auto-insurance\/by-state\/louisiana-car-insurance.aspx\">Insurance.com<\/a>).<\/p>\n\n\n\n<p>Rates are higher than average in Louisiana due to several factors \u2014 including elevated claim and litigation costs, catastrophe exposure and a meaningful share of uninsured motorists. About 12% of Louisiana drivers are estimated to be uninsured (roughly one in eight), slightly below the national average, according to the Insurance Research Council (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\">source<\/a>). Accidents caused by uninsured drivers can raise premiums for everyone else, and as rates increase some drivers drop coverage, perpetuating the cycle. It\u2019s vital to shop around and <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\">compare car insurance prices<\/a> to make sure you\u2019re getting the best deal.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-companies\" title=\"Top 3 Cheapest Car Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in\u00a0 Louisiana<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Southern Farm Bureau<\/td><td>$1,871<\/td><\/tr><tr><td>USAA<\/td><td>$2,035<\/td><\/tr><tr><td>Geico<\/td><td>$2,211<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Based on historical Bankrate datasets; current statewide averages are higher \u2014 see sources cited above.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-most-expensive-companies\" title=\"Top 3 Most Expensive Car Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Louisiana<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>AAA<\/td><td>$4,197<\/td><\/tr><tr><td>Allstate<\/td><td>$3,341<\/td><\/tr><tr><td>State Farm<\/td><td>$3,119<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Based on historical Bankrate datasets; current statewide averages are higher \u2014 see sources cited above.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-cities\" title=\"Top 3 Cheapest Cities\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Louisiana<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Sarepta<\/td><td>$2,143<\/td><\/tr><tr><td>Springhill<\/td><td>$2,154<\/td><\/tr><tr><td>Cullen<\/td><td>$2,154<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Based on historical Bankrate datasets; current statewide averages are higher \u2014 see sources cited above.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-most-expensive-cities\" title=\"Top 3 Most Expensive Cities\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Louisiana<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>New Orleans<\/td><td>$4,234<\/td><\/tr><tr><td>Arabi<\/td><td>$3,816<\/td><\/tr><tr><td>Chalmette<\/td><td>$3,804<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Based on historical Bankrate datasets; current statewide averages are higher \u2014 see sources cited above.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Guide to Louisiana Car Insurance&nbsp;<\/h2>\n\n\n\n<p>If you\u2019re new to Louisiana, you\u2019ll need to change your driver\u2019s license for a Louisiana one in person at an Office of Motor Vehicles <a href=\"https:\/\/www.expresslane.org\/Pages\/default.aspx\">location<\/a>. A vision exam will be required.<strong> <\/strong>You\u2019ll have 30 days to register your out-of-state car, but need to have Louisiana auto insurance coverage first.<\/p>\n\n\n\n<ul><li>Louisiana is an at-fault state. Drivers are financially responsible for the accidents they cause, although <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\">about 12% of drivers are uninsured<\/a>.<\/li><li>Louisiana recently passed tort reformation laws to reduce the cost of car insurance, but <a href=\"https:\/\/www.theadvocate.com\/baton_rouge\/opinion\/mark_ballard\/article_02e5f6e6-de5b-11ea-adf0-4348e5944d4c.html\">many don\u2019t think<\/a> rate changes occur immediately; research indicates any relief from reforms generally emerges over multiple years and interacts with other cost drivers such as claims inflation and catastrophe risk (<a href=\"https:\/\/home.treasury.gov\/policy-issues\/financial-markets-financial-institutions-and-fiscal-service\/federal-insurance-office\/reports\">U.S. Treasury FIO<\/a>; <a href=\"https:\/\/www.swissre.com\/institute\">Swiss Re Institute<\/a>).<\/li><li>Among the best car insurance companies in Louisiana, <a href=\"https:\/\/www.usnews.com\/news\/best-states\/louisiana\/articles\/2020-07-06\/state-farm-plans-another-car-insurance-rate-cut-in-louisiana\">State Farm<\/a> and other large carriers have periodically adjusted rates; industry data show broad price pressure in recent years, with increased use of telematics programs helping some drivers manage costs (<a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-auto-insurance-study\">J.D. Power 2024<\/a>).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Car Insurance Add-Ons That Will Further Protect You&nbsp;<\/h2>\n\n\n\n<p>Based on the high insurance rates in the state and the number of uninsured motorists who could leave you holding the bag after an accident, consider the following car insurance add-ons to expand your protection.<\/p>\n\n\n\n<ul><li><strong>Collision coverage: <\/strong>The best car insurance in Louisiana should include <a href=\"https:\/\/www.reviews.com\/insurance\/car\/comprehensive-collision-insurance\/\">collision and comprehensive coverage<\/a>. The state only mandates a minimum amount of liability insurance. If you\u2019re driving a newer-model vehicle and have an accident, you should know that the minimum liability coverage will not pay for damage to your vehicle.<\/li><li><strong>Comprehensive coverage:<\/strong> In addition to collision insurance, comprehensive coverage will protect your car and its contents against damage from fire, flooding and storms. Considering that Louisiana is prone to hurricanes, tornadoes and extreme weather, comprehensive coverage adds a layer of protection.&nbsp;<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/motorist-coverage\/\"><strong>Uninsured\/underinsured motorist coverage<\/strong><\/a><strong> (UM\/UIM):<\/strong> If you\u2019re in an accident with someone who doesn\u2019t have enough insurance (or none at all), UM\/UIM insurance will step in to pay for the losses they caused you. In Louisiana, UM\/UIM is included by default unless you reject it in writing or choose lower limits (<a href=\"https:\/\/legis.la.gov\/Legis\/Law.aspx?d=322776\">La. R.S. 22:1295<\/a>).&nbsp;<\/li><li><strong>Rideshare insurance: <\/strong>Many people don\u2019t realize that making food deliveries or driving for Lyft or Uber isn\u2019t included in a standard insurance policy. Add <a href=\"https:\/\/www.reviews.com\/insurance\/car\/why-you-need-rideshare-insurance\/\">rideshare insurance<\/a> to protect you financially if you\u2019re at fault for a crash while you\u2019re working. The best car insurance companies in Louisiana offer the coverage for as little as $10 extra per month.&nbsp; For more on how personal auto and TNC periods interact, see <a href=\"https:\/\/www.iii.org\/article\/ridesharing-and-insurance\">Insurance Information Institute guidance<\/a>.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Louisiana Minimum Insurance Requirements<\/h3>\n\n\n\n<p>All drivers in the state of Louisiana must have a minimum of 15\/30\/25 in liability coverage (<a href=\"https:\/\/legis.la.gov\/Legis\/Law.aspx?d=88562\">La. R.S. 32:900<\/a>). Wondering what those numbers mean? Take a closer look at how much, exactly you need:<\/p>\n\n\n\n<ul><li>$15,000 bodily injury coverage per person<\/li><li>$30,000 bodily injury coverage per accident<\/li><li>$25,000 property damage coverage per accident<\/li><\/ul>\n\n\n\n<p>Although having this amount of coverage is perfectly legal, liability insurance does not cover your vehicle if you cause an accident. In addition, if you cause an accident with higher costs than your insurance provides, you\u2019ll need to pay the rest out of pocket. If you find yourself responsible for another driver\u2019s $50,000 in medical bills, your insurance company will only help you out with the first $15,000. That leaves you to pay the remaining $35,000 on your own.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Louisiana Car Insurance FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Louisiana Car Insurance FAQ <\/h2>\n\n\n<div id=\"block_5fb83e8114586\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the minimum car insurance required in Louisiana?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The minimum amount of car insurance to legally drive in Louisiana is:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">$15,000 bodily injury coverage per person<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">$30,000 bodily injury coverage per accident<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">$25,000 property damage coverage per accident<\/span><\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fb83e9414587\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average auto insurance cost in Louisiana?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Louisiana is the most expensive state in the country for car insurance. Average rates for auto insurance in Louisiana are $975 per year for basic coverage and $2,724 per year for full car insurance, according to 2021 rate data from Bankrate.com. Rates vary due to a number of personal circumstances, so your premium could be different.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fb83ea914588\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What are the best car insurance companies in Louisiana?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Choosing the best car insurance in Louisiana depends on what you\u2019re looking for. The best car insurance companies in Louisiana based on a combination of customer reviews, pricing and policy options are State Farm, Progressive, Allstate and Geico. Be sure to get quotes from more than one company \u2014 the same level of coverage could be cheaper with one insurance carrier compared to another. You can also check our list of the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-cheap\/\"><span style=\"font-weight: 400;\">best cheap car insurance companies<\/span><\/a><span style=\"font-weight: 400;\"> in the U.S.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fb83ebf14589\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest car insurance company in Louisiana?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Southern Farm Bureau offers the cheapest full coverage, on average, in Louisiana, based on Bankrate\u2019s data. The average full coverage premium from the carrier is $1,871 per year. Your rates could vary, and another company might be cheapest for you.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.&nbsp;<\/p>\n\n\n\n<p>As for average pricing, we referenced multiple recent national studies of car insurance in Louisiana \u2014 including <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/louisiana-car-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-in-louisiana\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/louisiana-car-insurance\/\">Forbes Advisor<\/a> and <a href=\"https:\/\/www.insurance.com\/auto-insurance\/by-state\/louisiana-car-insurance.aspx\">Insurance.com<\/a> \u2014 which typically model a 40-year-old driver with a clean record. For full coverage, these sources commonly assume 100\/300\/50 liability limits with $500 comprehensive and collision deductibles (often with uninsured motorist coverage). Figures vary by source due to differences in company mix, ZIP code sampling and assumptions.<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.\u00a0<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Drivers in the state of Louisiana continue to face some of the highest auto insurance costs in the U.S. Recent market analyses indicate typical drivers pay about $3,600\u2013$4,000 per year for full coverage and roughly $1,200\u2013$1,350 for minimum coverage, depending on the insurer, driver profile and location (see recent studies from Bankrate, NerdWallet, Forbes Advisor [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":357445,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Louisiana Auto Insurance Companies - Reviews.com<\/title>\n<meta name=\"description\" content=\"State Farm made it to the top of our list of the best auto insurance companies in Louisiana. 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